Michigan Producer Licensing & CE
The final state topic is how a person becomes and stays a licensed property and casualty producer in Michigan, including appointments and continuing education.
Getting Licensed
To sell property and casualty insurance in Michigan a producer obtains a resident producer license with the property and casualty lines of authority from DIFS. Applicants generally complete an application, pass the state licensing examination through the department's testing vendor, submit to a background check, and pay the required fee. Any prelicensing course-hour requirement is set by DIFS; confirm the current rule before scheduling the exam.
Appointments and Renewal
A license lets a person act as a producer, but to represent a specific insurer that company must appoint the producer, with the appointment on file with DIFS; a producer may hold appointments with several insurers at once. Licenses renew on a set cycle and require the renewal fee. Continuing education, including an ethics component, is required each renewal period; the exact hour totals are set by DIFS and should be verified with the Michigan Department of Insurance and Financial Services before renewal.