Michigan Insurance CE Renewal Requirements and Checklist

Michigan insurance CE and renewal

Michigan Insurance CE Renewal Requirements and Checklist

Michigan producer CE is tied to a review date based on the licensee's birth month and year. Most producers and solicitors must complete 24 approved credits every 24 months, including ethics.

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Michigan at a glance

Short answers first. Open a detail only when you need the source-backed nuance.

Standard CE24 credits

Details

24 credits every 24 months.

Ethics3 ethics hrs

Details

At least 3 of the 24 credits must be ethics. Extra ethics credits count toward the general-credit total.

Review dateReview detail

Details

The first CE review date is based on birth month and year and must allow at least 12 months after license approval. Later review dates occur every 2 years.

ExceptionsReview detail

Details

Limited Life, Turkey/Crop/Hail, Travel/Accident/Baggage, Title, Credit Products, and Limited Lines Property and Casualty do not require CE credits.

NonresidentsNonresident rules differ

Details

Michigan is reciprocal with other states for CE. A nonresident who satisfies home-state CE is not required to submit proof to DIFS.

Missed CENoncompliance risk

Details

Failure to complete CE can place a license in Suspended for Education status for 90 days, then Terminated for Education. After 12 months, reapplication and reexamination may be required.

Renewal checklist

  1. Confirm your CE review date on the license or Michigan agent locator.
  2. Complete 24 approved credits, including 3 ethics credits, unless an exception applies.
  3. Verify credits before the review date.
  4. Request a hardship or military waiver before the license expiration date if needed.
  5. Do not write new business if your license enters Suspended for Education status.

Compliance notes

  • Michigan no longer requires line-specific CE hours for dual-licensed producers, but course content should still fit the products sold.
  • Limited-line exemptions are narrow. Confirm your exact line before assuming no CE applies.
  • Education status problems can escalate quickly after 90 days.

Course planning note

Use TSI National’s course finder to plan Michigan CE before the review date: browse insurance CE courses.

Official sources used

This page is an educational summary, not legal advice. Always confirm current CE status and review dates with Michigan DIFS.