Michigan Insurance Licensing
Michigan life insurance license guide.
Current 2026 requirements.
Michigan's Department of Insurance and Financial Services (DIFS) issues the resident producer license. Michigan is application-first: you file with NIPR before the course and exam.
- License
- Resident Producer – Life
- Regulator
- Michigan DIFS
- Required course
- 20 hrs or approved self-study
- Order
- Apply first, then exam
- Application fee
- $10 + $5 transaction
- License term
- Perpetual (CE-compliant)
- Last verified
- September 2026
Resident licensing path
Getting a Michigan Life license.
- 01
File the application on NIPR
Electronic Resident Licensing application: $10 plus a $5 transaction fee. The application is valid for 180 days. - 02
Complete prelicensing education
An approved 20-hour classroom course or approved self-study. The provider reports completion to DIFS; the certificate is valid 12 months. - 03
Pass the Michigan licensing exam
If you don't pass within 180 days, you must file a new application and fee. - 04
DIFS review
Submission is not approval. DIFS matches your course and exam results to your application.
State fees
Michigan Life license fees.
From DIFS's resident producer page. Course tuition and the exam fee are separate.
- Application fee
- $10
- NIPR transaction fee
- $5
After licensing
The license is where the operating process begins.
- 01License issued
- 02Carrier contracting / appointments
- 03Final Expense Elite onboarding
- 04Leads matched to licensed states
Limited Life is different
DIFS lists Limited Life among license types without a CE requirement. It is a separate, narrower authority from the full Life line.
Official resources
The regulator is the authority.
Other state guides
FAQ
Michigan licensing questions
What license do I need to sell final expense insurance in Michigan?
Final expense is life insurance, so producers generally need a Michigan resident producer license with the Life qualification.
Do I apply before or after the exam?
Before. Michigan starts with an NIPR application, which stays valid for 180 days.
How many prelicensing hours are required?
An approved 20-hour classroom course or an approved self-study course.
What does it cost to apply?
$10 plus a $5 NIPR transaction fee.
Does a Michigan license expire?
Resident producer licenses are perpetual as long as you stay CE-compliant.
What CE does Michigan require?
24 credits every two years, including at least 3 in ethics.
Am I licensed once I apply?
No. Submission is not approval.
Start with the license
Understand the Michigan process. Then build the system.
Final Expense Elite helps developing agents connect licensing resources with sales training, technology onboarding, lead infrastructure, and a structured development roadmap. Michigan licensing approval and requirements are determined by the Michigan Department of Insurance and Financial Services.