Michigan Life Insurance — License Examination Requirements
US-MI · License preparation
This page provides licensing requirements, not a question bank. Review the applicable pathway and official sources below.
Licenses, application pathways and examination requirements
Each license and applicant pathway has its own requirements and exemptions. Choosing practice questions does not determine your eligibility.
Business Entity Insurance Producer — Life
Business entity producer acting in the Life line; a designated responsible licensed producer is an applicant qualification, not an examination of the agency.
Licensing authority: Michigan Department of Insurance and Financial Services · Application information
Continuation of resident or nonresident business entity authority
- Responsible Producer
- Maintain a designated responsible licensed producer and applicable agency affiliations.
- Status
- Resident agency license must remain active and in good standing; nonresident agency must maintain active good-standing home-state authority.
Official no-examination sources
Effective from 2026-09-22.
- Michigan Insurance Code of 1956, Chapter 500
MCL 500.1205(2), complete business entity licensing criteria
- Michigan official renewal.html
Agency perpetual authority
Nonresident business entity licensure
- Application
- Submit the NIPR nonresident business application and applicable fees; satisfy background requirements.
- Home License
- Maintain qualifying good-standing home-state agency authority and reciprocal eligibility.
- Organization
- Obtain FEIN and applicable authority for a foreign corporation to transact business in Michigan.
- Responsible Producer
- Designate a licensed individual responsible for entity compliance.
Official no-examination sources
Effective from 2026-09-22.
- Michigan Insurance Code of 1956, Chapter 500
MCL 500.1205(2), complete business entity licensing criteria
- Michigan Insurance Code of 1956, Chapter 500
MCL 500.1206a(1), nonresident issuance conditions
- Michigan Insurance Code of 1956, Chapter 500
MCL 500.1204e(1), reciprocity waiver
- Michigan official nonresident-agency.html
Nonresident business entity DRLP
Resident business entity licensure
- Application
- Submit the uniform business entity NIPR application and applicable fees; satisfy background requirements.
- Organization
- Obtain FEIN and required Michigan organizational filings.
- Responsible Producer
- Designate an individual licensed producer responsible for compliance. DIFS says the DRLP need not hold all of the same lines as the agency.
Official no-examination sources
Effective from 2026-09-22.
- Michigan Insurance Code of 1956, Chapter 500
MCL 500.1205(2), complete business entity licensing criteria
- Michigan official resident-agency.html
Business entity DRLP requirement
Limited Life Insurance Producer
Limited producer authority for associated life insurance policies or annuity contracts intended for assignment to pay funeral or cemetery goods or services; no other lines of authority.
Licensing authority: Michigan Department of Insurance and Financial Services · Application information
Continuation of existing producer authority
- License Status
- Existing license remains active unless revoked or suspended.
- Nonresident Education
- Nonresident license remains active with active good-standing home-state authority and reciprocal continuing education compliance.
- Resident Education
- DIFS lists Credit Products and Limited Life as exceptions not requiring CE credits.
- Written Assurance
- MCL 500.2080(3) requires the written assurance at application and any renewal; the associated-life scope restriction continues.
Official no-examination sources
Effective from 2026-09-22.
- Michigan Insurance Code of 1956, Chapter 500
MCL 500.1206(2), license continuance
- Michigan official renewal.html
Individual licenses perpetual
- Michigan official ce-faq.html
CE exceptions
Reinstatement within 12 months after a lapse unrelated to CE
- Lapse Reason
- License lapsed for a reason other than failure to satisfy MCL 500.1204c.
- Qualification
- Restore only the same previously held line; the scope restrictions and applicable securities or written-assurance qualifications continue.
- Time Limit
- Reinstate the same license no later than 12 months after the lapse; no written licensing examination is required.
Official no-examination sources
Effective from 2026-09-22.
- Michigan Insurance Code of 1956, Chapter 500
MCL 500.1206(3), non-CE lapse reinstatement
Nonresident licensure by reciprocity
- Application
- Submit the Michigan uniform application through NIPR, pay applicable fees, and establish current good-standing resident licensure and reciprocal treatment.
- Qualification
- The home-state license must carry the same qualification requested in Michigan.
- Scope Restriction
- Only associated life (pre-need) policies or annuity contracts may be sold; no other lines may be held.
- Written Assurance
- Provide the written assurance required by MCL 500.2080(3) concerning subsection (9) at application and any renewal.
Official no-examination sources
Effective from 2026-09-22.
- Michigan Insurance Code of 1956, Chapter 500
MCL 500.1206a(1), nonresident issuance conditions
- Michigan Insurance Code of 1956, Chapter 500
MCL 500.1204e(1), reciprocity waiver
- Michigan official nonresident.html
Nonresident verification in lieu of letter
Reinstatement of nonresident producer authority
- Application
- Submit the NIPR nonresident application and fee; DIFS verifies home-state licensing.
- Home License
- An active home-state resident license is required, and only its qualifications may be licensed in Michigan.
- Specialty Conditions
- The applicable Limited Life scope restriction or Variable FINRA qualification remains an applicant condition.
Official no-examination sources
Effective from 2026-09-22.
- Michigan Insurance Code of 1956, Chapter 500
MCL 500.1206a(1), nonresident issuance conditions
- Michigan Insurance Code of 1956, Chapter 500
MCL 500.1204e(1), reciprocity waiver
- Michigan official reinstatement.html
Non-Resident Producer reinstatement
Resident licensure following qualifying same qualification transfer
- Application
- DIFS instructs applicants moving to Michigan to surrender the prior home-state license and file a NIPR resident application.
- Prior Qualification
- Applicant is currently licensed for the same qualification elsewhere, or application is received within 90 days after cancellation with qualifying proof of good standing, under MCL 500.1206b(1).
- Residency Change
- A producer moving to Michigan must apply within 90 days after establishing legal residence, under MCL 500.1206b(2).
- Scope Restriction
- Only associated life or annuity contracts; no other lines.
- Written Assurance
- MCL 500.2080(3) requires written assurance of understanding and compliance with subsection (9).
Official no-examination sources
Effective from 2026-09-22.
- Michigan Insurance Code of 1956, Chapter 500
MCL 500.1206b(1), prior same-qualification license exemption
- Michigan Insurance Code of 1956, Chapter 500
MCL 500.1206b(2), timely resident application
- Michigan official moving.html
Transfer within 90 days, no examination
Temporary Insurance Producer — Life
Discretionary temporary producer authority to service a life-insurance business, normally limited to 180 days.
Licensing authority: Michigan Department of Insurance and Financial Services · Application information
Temporary licensure — entity member or employee
- Application
- File the NIPR ERL application; any later permanent license requires its own licensure conditions.
- Discretion
- Issuance is discretionary. DIFS may restrict authority, require a suitable licensed sponsor, impose protective conditions or revoke the license.
- Duration
- At most 180 days; it does not continue after disposal of the business.
- Eligible Applicant
- Member or employee of a licensed business entity following death or disability of the designated individual producer.
Official no-examination sources
Effective from 2026-09-22.
- Michigan Insurance Code of 1956, Chapter 500
MCL 500.1211b(1), temporary license without examination
- Michigan Insurance Code of 1956, Chapter 500
MCL 500.1211b(1), entity-member-or-employee
- Michigan official temporary.html
Temporary licensing without examination
Temporary licensure — military designee
- Application
- File the NIPR ERL application; any later permanent license requires its own licensure conditions.
- Discretion
- Issuance is discretionary. DIFS may restrict authority, require a suitable licensed sponsor, impose protective conditions or revoke the license.
- Duration
- At most 180 days; it does not continue after disposal of the business.
- Eligible Applicant
- Designee of a licensed producer entering active military service.
Official no-examination sources
Effective from 2026-09-22.
- Michigan Insurance Code of 1956, Chapter 500
MCL 500.1211b(1), temporary license without examination
- Michigan Insurance Code of 1956, Chapter 500
MCL 500.1211b(1), military-designee
- Michigan official temporary.html
Temporary licensing without examination
Temporary licensure — public interest
- Application
- File the NIPR ERL application; any later permanent license requires its own licensure conditions.
- Discretion
- Issuance is discretionary. DIFS may restrict authority, require a suitable licensed sponsor, impose protective conditions or revoke the license.
- Duration
- At most 180 days; it does not continue after disposal of the business.
- Eligible Applicant
- Other circumstance in which the commissioner finds temporary licensure serves the public interest.
Official no-examination sources
Effective from 2026-09-22.
- Michigan Insurance Code of 1956, Chapter 500
MCL 500.1211b(1), temporary license without examination
- Michigan Insurance Code of 1956, Chapter 500
MCL 500.1211b(1), public-interest
- Michigan official temporary.html
Temporary licensing without examination
Temporary licensure — surviving spouse or representative
- Application
- File the NIPR ERL application; any later permanent license requires its own licensure conditions.
- Discretion
- Issuance is discretionary. DIFS may restrict authority, require a suitable licensed sponsor, impose protective conditions or revoke the license.
- Duration
- At most 180 days; it does not continue after disposal of the business.
- Eligible Applicant
- Surviving spouse or court-appointed personal representative of a licensed producer who dies or becomes mentally or physically disabled; license supports sale or recovery of the business or training and licensing replacement personnel.
Official no-examination sources
Effective from 2026-09-22.
- Michigan Insurance Code of 1956, Chapter 500
MCL 500.1211b(1), temporary license without examination
- Michigan Insurance Code of 1956, Chapter 500
MCL 500.1211b(1), surviving-spouse-or-representative
- Michigan official temporary.html
Temporary licensing without examination