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AgentSync State Resources

Michigan Insurance Licensing and Compliance Resources

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State License Division Information

Department of Insurance and Financial Services
P.O. Box 30220
Lansing, Michigan 48909
Phone: (517) 284-8800
Website: https://www.michigan.gov/difs

Non Resident Licensing Information: How to Become Licensed as a Non-Resident Producer

For Carriers in Michigan

  • Drastically reduce time to sell

  • Automatically Sync active agent records with NIPR

  • Reduce time to activate Agents with seamless onboarding experience

For Agencies in Michigan

  • Import the agent record from the NIPR PDB (Producer Database) in real time

  • Daily change updates synced directly with NIPR

  • Daily change updates synced directly with NIPR

For MGAs/MGUs in Michigan

  • Let technology help manage your distribution channel with contracting, licensing, appointments, & compliance solutions.

  • Basic setup completed in days, not months

  • Submit appointments in a few clicks

FAQs

Depending on what type of insurance agent you want to be or what types of policies you need to sell, you will need to choose what type or types of insurance licenses you need to get. The first step to getting your license in Michigan is to apply for your license. If you have more than one line of authority that you would like to carry, be sure to apply for all of those lines. After you’ve determined which licenses you need, you must now take your Michigan insurance pre-license education courses. The next step after completing all of your pre-license coursework is to take the insurance exam. You will take one exam for each line that you wish to carry. In Michigan, Property and Casualty are in a combined test. Life, Accident, and Health are also combined as one exam.

Once you have submitted your application and have filled all the other requirements, your license application will be reviewed by the state. Your background check will also be reviewed.

You’ll first need to take and pass the Michigan Insurance Adjuster License exam. Once you have completed all your coursework and passed the examination, you are now ready to apply for your license. Once you have submitted your application and have completed all the other requirements, your license application will be reviewed by the state. This process generally takes about fourteen (14) business days. Depending on the results of your background check, the Department of Insurance may request more information or documentation.

In Michigan, all insurance licenses are perpetual, except Surplus Lines. Producer licenses remain in good standing as long as the continuing education requirements are met.

If this is the state you reside in, then renewing your license will also keep any non-resident license you have in good standing. You will still need to pay the license renewal fee for non-resident licenses held in other states.

Michigan requires that resident individual licensees complete twenty-four (24) credit hours of continuing education every two years. If the credits aren’t completed, the license will be suspended. Three (3) of those hours must be on the subject of ethics. The rest of the continuing education credits can be electives.

If you have a producer license in more than one line of authority (ex. Property & Casualty and Life & Health), you don’t need to complete double the hours.

You may take your continuing education courses either in person in a classroom setting or online as a self-paced course. The online courses usually require a reading of the subject at hand, then a test at the end.

Although you don’t have to renew most licenses in Michigan, you do have to keep your continuing education credits current every two years. You must complete the credits by the first day of your birth month at the end of the two-year cycle.

There is no fee to renew your license as long as you keep your continuing education requirements filled.

AgentSync can also help with the renewal process.

In the state of Michigan, non-resident individual producer licenses are perpetual as long as the home state license remains active and in good standing – meaning that no continued education (CE) is required. Please note that exceptions do apply to Surplus Lines.

There is no fee to renew your license as long as you keep your continuing education requirements filled. Renewals can be completed via the National Insurance Producer Registry (NIPR). AgentSync can also help with the renewal process.

Michigan adjuster license renewal is perpetual and is automatically renewed every two (2) years. Adjuster licenses, both resident and non-resident, must be renewed annually between February 1 and March 31st.

Non-Resident adjuster applicants must be licensed in the state in which their principal place of residence or business is maintained for all lines of authority requested in Michigan. In addition, if the resident state did not require the successful completion of an examination at the time of licensure, applicants must either take the Michigan examination or provide proof of successful completion of an equivalent examination from a state where they are currently licensed.

There is a $15 renewal fee, and all renewals for Non-Resident Adjuster License in Michigan can be made via the NIPR website.

For more information, contact the Michigan Department of Insurance and Financial Services.

Michigan adjuster license renewal is perpetual and is automatically renewed every two (2) years. Resident Michigan adjusters are not required to complete continuing education hours as part of the license renewal process.

Adjuster licenses, both resident and nonresident, must be renewed annually between February 1 and March 31st. There is no fee to renew your license, however the NIPR does require a $5 processing fee.

For more information, contact the Michigan Department of Insurance and Financial Services.

*State specific rules and regulations can change. Please be sure to visit NIPR or the state’s website for the latest information.