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

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Standard CE24 credits / 3 ethics

Details

Michigan resident producers and solicitors complete 24 state-approved credits every 2 years, including at least 3 ethics credits.

Review dateBirth-month based

Details

Michigan sets the CE review date from birth month and birth year; the first review date must allow at least 12 months after license approval, and later review dates repeat every 2 years.

Provider reporting30 days

Details

Michigan providers submit CE credits electronically to DIFS within 30 days; you are not compliant until the hours are posted.

CarryoverUp to 12 general

Details

After meeting 24 credits with 3 ethics, up to 12 extra credits may carry to the next review period as general hours.

Duplicate coursesNo duplicate credit

Details

Michigan gives zero credit for a duplicate course or same course material in the same review period.

Exempt linesLimited lines list

Details

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

Missed CE90-day suspension

Details

If CE is not complete by review date, the license is suspended for education for 90 days or until met; after 90 days it is terminated for education.

NonresidentsHome-state CE

Details

Michigan is reciprocal: nonresidents who satisfy home-state CE automatically comply and do not submit proof to DIFS.

Renewal checklist

  1. Check the CE review date on the license or DIFS Insurance Agent Locator.
  2. Complete 24 credits with 3 ethics before the review date.
  3. Ask the provider how they collect the -per-credit reporting fee and when they will report.
  4. Verify DIFS posting before the review date; do not rely on a certificate alone.
  5. Use carryover only as general credit and avoid duplicate course material in the same review period.

Common mistakes to avoid

  • Assuming completion equals compliance before DIFS posting.
  • Counting a repeated course.
  • Treating carryover ethics as future ethics credit.
  • Letting the 90-day suspended-for-education period expire.

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 your transcript and renewal status with Michigan and the current CE administrator before relying on a deadline or course plan.