Michigan
Anita Fox
Department of Insurance and Financial Services
Appointments & Terminations
Yes
No
An individual needs a carrier appointment to sell travel as a standalone product (but not as part of a travel retail package deal).
Prior to the solicitation of business; Within 15 days of contract execution or first business submission
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
Yes
$5
$5
Yes
No
No
Yes
Required and is the date supplied on transaction. Must not be in the future and must be less than 15 days old.
Yes
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).
January
$5 every year
No
Yes
Termination reason code is not required
Yes
Required and is the date supplied on transaction. Must not be in the future and must be less than 15 days old
No fee
No
Licensing
Resident New License Insurance Producer: $10 Resident New License Surplus Lines Producer: $110 Nonresident New License Insurance Producer: $10 Nonresident New License Surplus Lines Producer: $110
Resident Renewal Surplus Lines Producer $100 Nonresident Renewal Surplus Lines Producer: $100
First day of birth month every 2 years based on year of birth
N/A
None, perpetual
For individual's business address only
Yes
Residence, Business, and Mailing
Nonresident Solicitor, Life and Health Insurer, Property/Casualty Insurer, Solicitor, Alternative Financial Delivery System, Resident Adjuster for Insured, Resident Counselor, Resident Insurance Adjuster, Surplus Lines, Nonresident Adjuster for Insured, Nonresident Counselor, Nonresident Insurance Adjuster, Nonresident Surplus Lines, Resident Producer, Nonresident Producer, Risk Retention
Yes
"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
Yes
Supervised instruction or verifiable self-study
An original certificate awarded on completion of the pre-licensing education course must be submitted at the exam site.
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.
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.
Applicants must complete the following pre-licensing education requirements: a. life producers - 20 total hours, including: I. 14 hours - life insurance; and II. 6 hours - ethics and Michigan insurance law requirements; b. health producers - 20 total hours, including: I. 14 hours - health insurance; and II. 6 hours - ethics and Michigan insurance law requirements; c. property producers and solicitors - 20 total hours, including: I. 14 hours - property insurance; and II. 6 hours - ethics and Michigan insurance law requirements; d. casualty producers and solicitors - 20 total hours, including: I. 14 hours - liability insurance; and II. 6 hours - ethics and Michigan insurance law requirements; e. personal lines producers - 20 total hours, including: I. 14 hours - property and liability insurance; and II. 6 hours - ethics and Michigan insurance law requirements; f. life and health insurance producers - 40 total hours, including: I. 34 hours - life and health insurance; and II. 6 hours - ethics and Michigan insurance law requirements; and g. property and casualty producers - 40 total hours, including: I. 34 hours - property and liability insurance; and II. 6 hours - ethics and Michigan insurance law requirements. A long-term care producer must complete a one-time 8-hour long-term care training course
Yes – Full criminal history
Not Required
NIPR Gateway
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.
None
No - allows partial renewal of inactive licenses only
Yes
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.
Licensees who fail to report a mailing address change within 30 days will be fined $100.
No
An individual doesn't need a license to sell travel insurance as part of a travel package; they need a travel license and appointment if they sell travel insurance as a standalone product. Michigan licenses travel lines, but honors reciprocity for nonresident applicants whose resident states authorize travel under major lines of authority. Michigan may require additional documentation from those states.
Agency
No
Yes
No
License is perpetual.
Yes
All producers selling on behalf of or through a business entity are affiliated.
License not required but branch must be registered
Licensed business entity producers must use ILOS to update information. a. ILOS must be used to: I. add/cancel affiliations; II. add/cancel a DRLP; III. report a name change; IV. update business and mailing addresses; V. update phone/email/fax information; VI. add/cancel a DBA; and VII. add/cancel a branch registration. b. The FIS 0200, FIS 0201, and FIS 0262 paper forms will no longer be accepted or available on the Department website. Business Entities must submit changes via ILOS found on the "Licensing - Insurance" page of the state's website.
Adjuster
Yes
Yes
Yes
AK, AL, AR, AZ, CT, DE, FL, GA, ID, IN, KY, LA, ME, MN, MS, MT, NC, NH, NM, NV, OK, OR, RI, SC, TX, UT, VT, WA, WV
CA, HI, NY, PR, WY
Fire & Other Hazards, Workers' Compensation, Crop
Licensing Fee: $15 Amendment Fee: $15 Reinstatement Fee: $15 Renewal Fee: $5
Yes
The license term is one year. The renewal date is March 31st.
The lines of authority are offered for both residents and nonresidents.
To adjust in the event of an emergency, the adjuster must apply via the Electronic Licensing Application. The process is expedited for licensure.
Fire & Other Hazards
Licensing Fee: $20 Renewal Fee: $5
Yes
Yes
Continuing Education
24
2 years
First day of birth month
Year of birth
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.
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.
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.
Yes
12 hours of general CE
3
3 hours of NFIP course
8-hour initial certification, with 4 hours of LTC-specific training every two years
One-time, 4-hour course
Annuity course completion must be in compliance with new standards as of June 29, 2021
https://agentsync.io/blog/individual-producers/insurance-continuing-education-michigan
Regulatory Updates
Michigan Updates Time Licensees Must Respond To Consumer Complaints
Effective September 1, 2024, Michigan Department of Insurance has changed the standard time by which licensees must respond to consumer complaints. Licensees will have 14 calendar days to respond to a complaint after it is sent to the licensee’s email and/or mailing address on record with the Department. Please see the attachment for more information.
Michigan Updates Fees Around Surplus Lines Expenses
Effective June 17, 2024, Michigan updated rules surrounding charging a responsible fee to cover unique expenses to surplus lines. Please see the attachment for more information
Michigan Updates Individual and Agency Property and Casualty Surplus Lines Licensing and Premium Tax Requirements
On January 26, 2024, Michigan updated multiple sections of the Property and Casualty Surplus Lines Licensing and Premium Tax Requirements for Individuals and Agencies.
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. On November 30, 2023, Michigan issues update to original regulation notice regarding Pharmacy Benefit Managers to include more details on application process an fee. The fee for an initial application for a Pharmacy Benefit Manager (PBM) license submitted between January 1, 2024 and December 31, 2026 is $5,000.00. See attachment #2 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.
FAQs
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How Do I Get an Insurance License in Michigan?
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How Do I Get a State Adjuster License in Michigan?
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How do I renew my insurance license in Michigan?
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How do I renew my nonresident insurance license in Michigan?
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How Do I renew My Non-Resident Adjuster License in Michigan?
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How Do I Renew My Adjuster License In Michigan?