Michigan Producer Licensing, Appointments & CE
The second part of the Michigan supplement is how a person becomes and stays a licensed personal lines producer in Michigan: the licensing agency, how appointments tie a producer to an insurer, and the continuing-education duty that keeps a license active. These state rules sit on top of the national licensing concepts in the base bank.
Getting Licensed
Resident personal lines producer licenses in Michigan are issued by the Michigan Department of Insurance and Financial Services (DIFS). Applicants generally must pass the required licensing examination, submit an application, and clear a background check before the license is granted. Because application steps, fees, and the exam vendor can change, confirm the current process on the DIFS website (https://www.michigan.gov/difs) rather than relying on memorized figures.
Appointments
A license alone lets a person act as a producer, but to sell for a specific insurer that company must appoint the producer, and the appointment is filed with DIFS. A producer may hold appointments from multiple insurers at the same time. Appointments (and their termination) are how the department knows which companies a producer represents.
Continuing Education and Renewal
To renew, resident producers must complete state-approved continuing education each cycle, typically including an ethics component. CE keeps producers current on law and product changes. Specific hour totals and the renewal period are set by the department and can change, so verify the current Michigan CE and renewal requirements with DIFS before your license period ends.
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State-specific details
State exam facts
- State regulator
- Michigan Department of Insurance and Financial Services
- Exam vendor
- PSI
Who regulates personal lines insurance licensing in Michigan?
The Michigan Department of Insurance and Financial Services (DIFS) issues the Personal Lines authority and contracts with PSI Services. Personal Lines is a limited P&C license for personal coverage.
What lines does the Michigan Personal Lines license cover?
The Michigan Personal Lines license covers personal auto, homeowners, dwelling/fire, and personal umbrella for individuals and families; commercial property/casualty requires the full P&C license.
What score do I need to pass the Michigan Personal Lines exam?
Michigan passing scores vary by exam and are not the standard 70% used in most states, so confirm the current threshold for the Personal Lines exam with DIFS/PSI before testing.
Sources: https://www.michigan.gov/difs, https://www.psiexams.com/
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