The birthplace of the assembly line and the auto industry as we know it today, Michigan has a long love of processes and improvements, and this is equally true when it comes to their approach to insurance continuing education (CE).
Before you roll your eyes, keep in mind that keeping up on CE is key to keeping your resident state insurance license current, which is in turn the foundation of all your other insurance licenses. So, while we love a corny joke or two, the real importance of CE in the grand scheme of insurance is no laughing matter.
While we like to pride ourselves in a job well done, please be sure to do your own diligence to stay in compliance with all the state requirements you need to follow. This is a good overview of what you’re looking for, but to ensure you are up to date, it’s also a good idea to check out the state’s guidelines, maybe starting with this FAQ page.
What is the due date for Michigan Insurance CE Credits?
In Michigan, the due date for your CE is also the date you need to remember to keep your license in force. Michigan technically doesn’t have a license renewal date for most licenses, so the CE date is as good as it gets; if you miss your CE, the state will place your license and all appointments on inactive status.
Your CE due date is the first day of your birth month every two years, in even or odd years based on whether you were born in an even or odd year. This is a bit novel since most states give producers the entire month of their birth, so let’s put a little emphasis here: The due date is the first day of your birth month.
For newbie licensees, though, if your first renewal date comes in 12 months or fewer from the date you first get your license, then you won’t need to get CE in your first cycle. After that, it’s business as usual and you will need to complete your CE requirements just like everyone else.
Who’s exempt from Michigan Insurance CE?
Any nonresidents who are up-to-date on their own resident state CE don’t need to worry about Michigan’s CE rules.
If you have a limited lines or a surplus lines license, you likely don’t have to worry about Michigan CE, either, so just be prepared to file a quick renewal every year and otherwise don’t think on it if you hold licenses in only:
- Limited life
- Turkey, crop, and hail
- Travel, accident, and baggage
- Title
- Credit
- Limited lines property and casualty
How many hours of CE are required for Michigan insurance producers?
Most insurance producers or solicitors in Michigan will need 24 hours of CE credits per biennial renewal cycle, including three hours of ethics.
If you overdo it on your ethics credits, they’ll just be counted toward the 21 general credits, which can comprise courses in accident and health insurance, life, property, casualty, or just about any other kind of specialty insurance course.
As a member of the NAIC Continuing Education Reciprocity agreement, there’s a wide catalogue of courses Michigan agrees to accept, and they allow CE double-dipping for producers who are earning professional designations such as Certified Financial Planner.
You can’t repeat CE courses in the same renewal cycle, but you can roll over 12 hours of general CE credits into the next cycle, which is pretty dope.
Michigan is also reasonably serious about proctoring exams, so, if you take a self-study course or online course, you’ll need to have a person who has no financial interest in your success or failure certify that you took the exam without the aid of notes or outside help to get a passing score.
Specific lines of insurance also have additional requirements:
- Flood insurance: three hours of training in accordance with National Flood Insurance Program requirements
- Annuities: a one-time, four-credit training through the State of Michigan Department of Insurance
- Special note on annuities: Producers who completed their annuity training prior to June 29, 2021, will, in the next six months, need to complete a newly approved four-hour annuity training or take a one-hour training regarding appropriate sales techniques to serve the best interests of consumers.
- Long-term care: a one-time, eight-hour long-term care insurance course as well as four hours of ongoing long-term care CE each cycle
For more information about state-specific licensing requirements, or to find out how AgentSync can make it easier to operate across multiple states, check out our state pages.
Michigan Insurance CE FAQs
How do I renew my expired insurance license?
If you missed your CE renewal deadline, the state of Michigan will suspend your license for 90 days or until your 24-hour requirement is met. In that 90 days, you may continue to serve your book of business but can’t take on new clients or solicit new business. After the 90-day period, you have the rest of the year to get current on your CE and apply to reinstate your license with a late fee. After 12 months, you’ll need to apply for a license like a total noob.
I haven’t yet been licensed for a full two years, do I still need to complete 24 hours of CE?
Yes, as long as you’ve been licensed for at least 12 months
Where can I find my transcript?
Look up a Michigan CE transcript
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