Michigan Seal


state commissioner

Anita Fox

STATE phone
(517) 284-8800

Department of Insurance and Financial Services

Appointments & Terminations

Required to report appointments?


Permits Just-in-time (JIT) appointments?


Initial appointment deadlines

Prior to the solicitation of business; Within 15 days of contract execution or first business submission

Initial appointment deadline rule

State statute says the appointment must be submitted to the DOI within 15 days of the appointment effective date, which is the date the agent/agency contract is executed or the first piece of business is submitted to the carrier. The Michigan DOI interpretation takes this to mean that: JIT appointments aren't allowed and the producer must be appointed prior to the solicitation of business

Can be processed via nipr?


Fees for appointing a resident agency or individual?


Fees for appointing a non resident agency or individual?


Appoint agencies?


Agency appointment covers affiliated producers?


Adjuster appointments via NIPR?


Appointment effective date can be specified?


Appointment effective date rule

Required and is the date supplied on transaction. Must not be in the future and must be less than 15 days old.

State requires appointment renewal?


Appointment renewals via

The Michigan DOI sends the company a list of carrier appointments and an invoice every January. Bills are paid through the DIFS epayment login (online services).

When is the state renewal period?


Appointment renewal fee

$10 per appointment for first year and $5 for every year after that

Appointment Terminated if license expires?


Terminations processed via NIPR?


Termination reasons

Termination reason code is not required

Termination date can be specified by carrier?


Termination Effective date rule

Required and is the date supplied on transaction. Must not be in the future and must be less than 15 days old

Termination fee

No fee


Initial individual new license fee

Resident New License Insurance Producer: $10 Resident New License Surplus Lines Producer: $110 Non Resident New License Insurance Producer: $10 Non Resident New License Surplus Lines Producer: $110

License renewal fee

Resident Renewal Surplus Lines Producer $100 Non Resident Renewal Surplus Lines Producer: $100

What is the resident individual producer license renewal date?

First day of birth month every 2 years based on year of birth

When does the nonresident individual producer license renewal period begin?


What is the nonresident individual producer license renewal date?

None, perpetual

Can a producer use a P.O. Box in their resident or business address?

For individual's business address only

Are individuals required to list their county as part of the address?


What addresses are required for individual license maintenance?

Residence, Business, and Mailing

State individual licenses include

Non-Resident Solicitor, Life and Health Insurer, Property/Casualty Insurer, Solicitor, Alternative Financial Delivery System, Resident Adjuster for Insured, Resident Counselor, Resident Insurance Adjuster, Surplus Lines, Non-Resident Adjuster for Insured, Non-Resident Counselor, Non-Resident Insurance Adjuster, Non-Resident Surplus Lines, Resident Producer, Non Resident Producer, Risk Retention

Appointment Terminated if license expires?


State broker license rule

"Brokerage” is not allowed in Michigan. A broker represents a consumer - not an insurer. Acts of misfeasance or malfeasance by a person acting as a broker do not bind any insurer and thereby place the consumer at risk. "Included under Producer License

Requires pre licensing courses?


Study method requirements

Supervised instruction or verifiable self-study

Submission of completion certificate rule

An original certificate awarded on completion of the pre-licensing education course must be submitted at the exam site.

How long is the pre licensing certification valid?

Pre-licensing education completion certificates have a 12-month expiration date from the date of course completion. If the examination is not passed prior to the certificate expiration date, the applicant must complete a new pre-licensing program of study.

Exemptions to pre licensing requirements

The Commissioner may waive the pre-license education requirement if the applicant: a. applies for a limited license as designated by the Commissioner; b. has been a licensed producer within the past 12 months; c. was previously licensed in another state; d. holds a CLU, ChFC, CPCU, CIC, AAI, CEBS, CFP, FLMI, LUTCF, RHU, REBC, HIA, or ARM designation; or e. has an associate's, bachelor's, or master's degree with a concentration in insurance from a Commissioner-approved institution. To request a waiver, the applicant must mail the following to OFIR, Pre-licensing Education Waiver Request, P.O. Box 30220, Lansing, MI 48909: a. a letter requesting waiver; and b. the required proof of waiver: I. a copy of certificate for professional designations or letter confirming certificate; or II. a copy of college transcript and course descriptions.

Background Check Required?

Yes – Full criminal history

Fingerprints Required?

Not Required

Where to apply for resident license?

NIPR Gateway

Other licensing notes

Applicant moving from another state to Michigan may apply for a resident license if they surrender previous state license within 90 days. Prior to filing an application applicant's with conviction histories are strongly encouraged to review Chapter 12 of the Michigan Insurance Code and the Guiding Principles found Michigan's state website for complete information on license eligibility.

What Transactions are Retaliatory Fees Applied to?


Submit Partial License Renewals through NIPR?

No - allows partial renewal of inactive licenses only

Has Personal Lines LOA?


Deadline to report personal data changes (address, name change, phone number, etc.)

All licensees must report a change of residential, mailing, business, or email address within 30 days to the Commissioner. Contact Change Request supported via NIPR Gateway.

Penalty for failure to timely report personal data changes

Licensees who fail to report a mailing address change within 30 days will be fined $100.


Can a sole proprietor be licensed as an entity?


DRLP must have active state license


DRLPs must cumulatively cover all LOAs in application


Agency Licensing renewals

License is perpetual.

Agency License required?


Affiliations: Indicates if producers selling on behalf of/through an entity must be formally affiliated with that entity and if the entity must notify the department of changes

All producers selling on behalf of or through a business entity are affiliated.

Branch office

License not required but branch must be registered


Requires adjuster license?


Offers designated home state?


DHS exam required?


Reciprocity states


Which states require an exam for reciprocity?


Independent adjuster LOAS

Fire & Other Hazards, Workers' Compensation, Crop

Independent adjuster fees

Licensing Fee: $15 Amendment Fee: $15 Reinstatement Fee: $15 Renewal Fee: $5

Independent adjuster exam required?


Independent adjuster renewal date

The license term is one year. The renewal date is March 31st.

Independent adjuster details

The lines of authority are offered for both residents and non residents.

Emergency adjuster details

To adjust in the event of an emergency, the adjuster must apply via the Electronic Licensing Application. The process is expedited for licensure.

Continuing Education

Total hours per renewal period


Renewal period

2 years

CE due before license renewal date?


License renewal date is

First day of birth month

License renewal year based on...

Year of birth

When is the CE due?

On the first day of licensee's birth month, biennially. Licenses are perpetual, except Surplus Lines. Producer licenses are perpetual and remain in good standing as long as CE requirements are met.

Exemptions to CE

If first renewal date would be 12 months or fewer from the date of your first license, you won't need CE in the first renewal cycle. Limited and surplus lines licensees holding only limited life, turkey crop and hail, travel accident and baggage, title, credit, or limited lines property and casualty lines are exempt from CE.

What if a producer missed the renewal date?

License will be suspended 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 new license.

Ethics requirements


Flood-specific CE requirements

3 hours of NFIP course

LTC-specific CE requirements

8-hour initial certification, with 4 hours of LTC-specific training every two years

Annuity-specific CE requirements

One-time, 4-hour course

Regulatory Updates

Michigan Updating State Code Requirements for Mailing and Business Address

Effective October 17, 2023, Michigan will allow individual applicants to change the state code of the mailing address to any state. However, Michigan individual residents’ business address state code must be one of the following: - Michigan - Indiana - Ohio - Wisconsin - Illinois

Michigan establishes procedures to rebut a conviction through good moral character

Effective March 20, 2023, Michigan establishes procedures to rebut a conviction through good moral character.  See attachment for details.

Michigan Issues Bulletin Regarding Pharmacy Benefit Manager Registration

Effective January 1, 2024, Michigan will license and regulate Pharmacy Benefit Managers. See attachment for more details.

Michigan Updates Appointment Mapping

Michigan will be adding new mapping for "Fire" and updating the mapping for "Turkey Crop and Hail."

Michigan Adding Third Party Admin

Michigan will be adding a new License Class of "Third Party Administrator". The effective date is yet to be announced, but is noted to take place at some point in Q3. This will be updated when the date is set.

Michigan Launches a New Website

The Michigan Department of Insurance and Financial Services announces a new website aims to give end users a new, modern experience. This website will continue to provide resources and assistance to consumers and licensees.

NASAA Updates IAR CE Member Adoption list on its Website

NASAA provides an updated version of the IAR CE Member Adoption list on its website.


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