Last reviewed: May 10, 2026. This Michigan guide is built from the Sircon/e-PAL Agent Licensing Requirements QuickGuide, the Sircon/e-PAL Prelicense Education Requirements QuickGuide, and state/provider updates noted below. Always verify the final rule with the state insurance department before enrolling, scheduling an exam, or submitting a license application.
Quick Answer
Michigan requires prelicensing education before the licensing exam. The current hour breakdown is listed below so candidates can match the course to the line of authority.
| Prelicensing education | Prelicensing education required |
|---|---|
| Exam provider | PSI |
| Criminal history report | Consent |
| Fingerprints | Verify with state DOI |
| Paper application | No, electronic only |
| Exam attempts | No limit |
Required Prelicensing Hours
- Life only – 20 hrs.
- A&H only – 20 hrs.
- Life/A&H – 40 hrs.
- Property – 20 hrs.
- Casualty – 20 hrs.
- Property/Casualty – 40 hrs.
- Personal Lines – 20 hrs.
Study Method, Certificate, and Validity Rules
Allowed study method:
- Classroom
- Monitored Self-Study
Certificate submission:
Original certificate submitted to the Department of Insurance by the Provider as an electronic file. Keep certificate for your records.
Certificate validity: 1 yr.
Common exemption references:
1, 2, 3, 4, 6
Licensing Workflow
The order matters because some states require education, fingerprints, background items, exam authorization, or an application step before another step can happen. For Michigan, the source workflow is:
- Complete prelicense education
- Schedule and pass license exam
- Submit license application and fees
- Obtain company appointment
How to Prepare for the Exam
Use the required-hour course as the structure, then add practice tests before scheduling the exam. The goal is not only to finish hours; it is to be ready for the state exam while the material is fresh.
TSI National supports national insurance licensing workflows with courses, practice tests, video learning, and live class options. Start with the current course catalog here: TSI National insurance prelicensing courses.
State Verification Links
- Official state insurance department
- State license lookup / licensing page
- NIPR state requirements center
FAQ
Does Michigan require insurance prelicensing education?
Michigan requires prelicensing education before the licensing exam. The current hour breakdown is listed below so candidates can match the course to the line of authority.
Who is the exam provider for Michigan?
The source quick guide lists PSI. Confirm the current candidate handbook before choosing an exam date.
Should I study if Michigan has no required prelicensing hours?
Yes. No-hour states still test insurance terms, state law, products, ethics, and licensing rules. A prep course and practice tests can reduce wasted exam attempts.
Can a nonresident use this guide?
This page is written for resident licensing workflow planning. Nonresident applicants usually follow reciprocity rules through NIPR or the state portal, so verify the nonresident path before applying.
Compliance note: This page is a practical study and licensing workflow guide, not legal advice. State requirements can change; verify current rules with the state insurance department, NIPR, Sircon, Pearson VUE, PSI, or the applicable exam vendor before acting.