Michigan · State licensing
Pass the MichiganLife & Health insurance license exam.
Michigan's DIFS requires 20 hours per line and uses PSI for testing. The state application fee is the lowest of the top-10 launch states at $10.
Quick facts
- Testing vendor
- PSI
- Passing score
- 70%
- Pre-licensing hours
- 40h combined
- Application fee
- $10
- Exam fee
- $54 per attempt
- Combined exam length
- 150 Q · 180 min
Source: www.michigan.gov. Confirm before you register, state schedules change.
Get on the Michigan waitlist.
We're building the Michigan-specific question bank now. Waitlist members get 14-day early access and the cheat-sheet PDF.
What's on the MichiganL&H exam.
The Michigan L&H exam is administered by PSI after you finish a state-approved 40-hour pre-licensing course. The combined exam runs 150 questions with a 180-minute time limit. Passing requires 70%.
Content roughly follows the NAIC L&H outline: general concepts, life products, annuities, federal tax treatment, health products, social insurance, ethics, and a state-specific law section. The state law portion is where most candidates lose points, it's the section a generic national bank cannot cover well.
Michigan exam FAQ.
- Who regulates insurance licensing in Michigan?
- The Michigan Department of Insurance and Financial Services (DIFS).
- What's the Michigan passing score?
- 70%.
- How long is a Michigan L&H license valid?
- Two years. 24 CE hours per renewal period, including 3 hours of ethics.
- Where do I take the Michigan L&H exam?
- PSI test centers across Michigan, or online remote-proctored.
Licensing in other states too?
Each state has its own vendor, hours, and fee schedule.