Michigan Insurance License
The Michigan insurance license exam, in plain numbers.
Everything below is specific to Michigan — the pass mark, the question counts, who runs the exam, and what the state requires before and after you sit it.
What you need to pass in Michigan
| Edition | Scored questions | Correct to pass | Pass mark | Misses allowed |
|---|---|---|---|---|
| Life & Health | 150 | 113 | 75% | 37 |
| Life only | 100 | 72 | 72% | 28 |
| Health only | 100 | 75 | 75% | 25 |
Administered by PSI Services for the Michigan Department of Insurance and Financial Services. Time limit: 2 hours 30 minutes (150 minutes). Roughly 30 of the scored questions (20%) come from Michigan law — the block national courses cover most lightly.
Prelicensing
20 hours per line of authority and 40 hours for a dual-line license. Within each 20-hour block, 14 hours are subject-specific and 6 hours cover ethics and Michigan insurance law. The course must be completed BEFORE the exam. Certificates are valid 12 months.
Continuing education
24 hours every two years under MCL 500.1204c, including a minimum of 3 ethics hours. Up to 12 non-ethics hours carry over. A 90-day grace period applies if CE is missed, but no new business may be sold during it.
License term
2 years tied to the birth month, in an odd or even year determined by birth year
Regulator
The Michigan Department of Insurance and Financial Services oversees licensing, headed by a Director appointed by the Governor, leading a department that covers financial services broadly.
Michigan Life and Health Insurance Guaranty Association
If an insurer fails, these are the limits that apply to Michigan policyholders. Verified against the NOLHGA state-by-state table dated 1 June 2025.
| What is protected | Limit |
|---|---|
| Life insurance death benefit | $300,000 |
| Life insurance cash surrender value | $100,000 |
| Hospital, medical, surgical, or major medical | $500,000 |
| Disability income and long-term care | $300,000 |
| Other health insurance benefits | $100,000 |
| Annuity benefits (present value) | $250,000 |
The Study Guide
Written for Michigan, not for everyone.
Every rule explained in ordinary English before the terminology arrives. If two things are easy to confuse, we tell them apart in a sentence. No insurance background assumed.
You get two PDFs: a study guide that teaches the material, and a practice exam whose answer key explains why each answer is right. Printable flashcards, a master sheet of every number worth memorizing, and a four-week study plan are included.
Twisting versus churning. Twisting involves lying to move a customer, usually to a different company. Churning happens inside the same company and is about generating commission. If the question mentions misrepresentation, it is twisting. If it mentions the same insurer, it is churning.
Michigan insurance exam questions, answered
How many questions are on the Michigan insurance license exam?
The combined life and health exam has 150 scored questions. You need 113 correct to pass at 75%, which means you can miss 37.
What is the passing score for the Michigan insurance exam?
75%. That works out to 113 correct answers out of 150 scored questions.
Who administers the Michigan insurance license exam?
PSI Services, on behalf of the Michigan Department of Insurance and Financial Services.
Does Michigan require prelicensing education?
20 hours per line of authority and 40 hours for a dual-line license. Within each 20-hour block, 14 hours are subject-specific and 6 hours cover ethics and Michigan insurance law. The course must be completed BEFORE the exam. Certificates are valid 12 months.
How much continuing education does Michigan require?
24 hours every two years under MCL 500.1204c, including a minimum of 3 ethics hours. Up to 12 non-ethics hours carry over. A 90-day grace period applies if CE is missed, but no new business may be sold during it.
Is there a Michigan life-only or health-only exam?
Yes. Life only is 100 scored questions, 72 to pass, Health only is 100 scored questions, 75 to pass.
How much does a Michigan study guide cost?
A single-line guide is $9.99 and the combined life and health guide is $19.99. Each includes a study guide and a practice exam with a full answer key.
These are independent study aids. They are not state-approved prelicensing education courses and do not satisfy any state prelicensing requirement. They are not affiliated with any exam vendor or state insurance regulator. All practice questions are original. We publish no pass-rate claim and make no guarantee of any exam result. Content verified as of August 2026 — confirm current requirements with the Michigan Department of Insurance and Financial Services.