• Life Only – 20 hours 
• Accident & Health Only – 20 hours 
• Life, Accident and Health – 40 hours 
• Casualty – 20 hours 
• Property – 20 hours 
• Property and Casualty – 40 hours 
• Personal lines - 40 hours 

• This is a forced progression (locked) state that requires the student to review each lesson and pass each of the chapter quiz before moving onto the next section/chapter. 
• Assessments on key topics throughout the course must be successfully passed with a minimum score of 75% before moving onto the next chapter. 
• Mandatory final exam. 
• Completion of this course satisfies the prelicensing education requirement. 

To be eligible for a Certificate of completion, you must follow these steps:  

• Completion of the course including the final exam. 
• Download and Print certificate through the “Transcript” tile on the user dashboard. 
• Course completion rosters will be reported to the Department of Insurance within two (2) business days. 
• Education providers are required to collect and report the last four of the ssn. 
• Certificates are valid for 12 months. 

• Registration must be completed online on PSI website: https://test-takers.psiexams.com/midifs
• Exam fee – $41

• You must check the compatibility of your computer before registering for the exam. https://syscheck.bridge.psiexams.com
• If your computer is not compatible with the online software, you will need to schedule your examination at PSI test center.

• There are no limitations on retaking the exam. 

• Be sure to take advantage of XCEL’s 3-Part training program, including Part 2 (Prep Review Course) and Part 3 (Exam Simulator). These are the two sections we hear from students value the most during the exam waiting period. 
  
  • Prep Review Course: This part of the training scales down content to focus solely on the most important material with weighted sections identical to the state exam. Chapters have only a few pages of material, but the content must be mastered to pass. Instructionally designed to teach individuals how to pass, most study effort should be invested here. Chapter exams are substantially larger (50+ questions), providing exposure to the types of questions seen on the state exam. 
  • Exam Simulator: These special exams are designed to gauge content retention levels. Important: Only take the Exam Simulators after the Prep Review Course has been successfully completed. It ensures these questions will be “fresh in the mind.” 
• On the day of testing, you must present two forms of identification bearing your signature, one of which must be a valid government issued photo id.  

• Submit license application online through www.nipr.com
• Application fee $10 per line of authority
• NIPR does not verify exams prior to allowing submission of an application, however, an exam is required prior to the state’s approval of the request.
• If applicant responds “yes” to one of the background questions, please submit supporting documents electronically via NIPR’s Attachments Warehouse. The documents are stated as follows and may be submitted to the state via mail, email, or fax:
• A written statement explaining the circumstances.
• A certified copy of the official document which demonstrates the resolution of the charges or any final judgment.

Name: Department of Insurance and Financial Services
Phone: 877-999-6442
Website: https://www.michigan.gov/difs
Address: PO Box 30220 Lansing, MI 48909-7720

XCEL Solutions provides this information as a courtesy to licensees subject to insurance continuing education requirements. Although every effort is made to maintain the accuracy of this course, recent changes in laws and procedures may not yet be reflected in the content. All information is subject to change without notice.

Agents holding a Major Lines license (Property, Casualty, Personal Lines, Accident & Health, Life or Variable Products) are required to renew their license by the last day of their birth month every two years.

• On-going renewal periods are the first day of the agent’s birth month and odd/even year of birth every two (2) years thereafter.

Continuing education requirements must be met before submitting the license renewal application. 

Licensees renewing a Property, Casualty, Personal Lines, Accident & Health, Life or Variable Products license are required to complete 24 hours of approved continuing education, 3 of which must be approved as ethics, before submitting their renewal application. 

The Michigan Department of Insurance requires specific training requirements for individual agents selling, soliciting, or negotiating Long-Term Care products (LTC), Flood Insurance products (NFIP), and Annuity products (Annuity). Failing to complete the required training may jeopardize the agent’s authority to sell the related insurance products.

• Life or Accident & Health licensees must complete an approved 8-hour Long-term Care course before selling, soliciting, or negotiating long-term care insurance. 
• Agents must also complete an approved 4-hour LTC refresher course every renewal period to continue selling, soliciting, or negotiating long-term care insurance. 
• The initial and refresher LTC course credits count towards the agent's 24-hour CE requirement. 
• Resident agents may complete these training requirements in any state provided the department has approved the course for long-term care credit prior to the agent taking the course. 
• Non-resident agents may complete these training requirements in any state. 

• Life or Variably Annuity licensees must complete an approved one-time 4-hour Annuity Best Interest course before selling, soliciting, or negotiating annuity products. 
• Annuity Best Interest course credits count towards the agent's 24-hour CE requirement. 
• Resident and non-resident agents may complete these training requirements in any state with laws substantially similar to Michigan. 

• Property and Casualty or Personal Lines licensees must complete an approved one-time 3-hour National Flood Insurance Program (NFIP) course by the end of their first renewal period if they plan to sell, solicit, or negotiate Flood insurance. 
• The National Flood Insurance Program course credits count towards the agent's 24-hour CE requirement. 

• Licensees can use independent self-study courses to meet all requirements. 
• Licensees may take courses in any line of authority. 
• Self-study exams are closed book and require a monitor/proctor. 
• Duplicate courses completed in the same renewal period are not allowed and cannot be carried over to future renewal cycles. 
• Excess of up to 12 credit hours earned in the previous biennial renewal period can be carried over to the next reporting period.  
• Excess ethics credits will be applied as general credit. 

• Students must provide their National Producer Number (NPN) to report on course completion. 
• $1.00 per credit hour is required to report course completions to your state. 
• Course completions are reported within one business day. 

Resident and nonresident license renewal applications are processed through NIPR. A $100 renewal fee is required. Agents with a continuing education requirement must obtain all required credits prior to their license expiration date. An agent will not be eligible to renew their insurance license(s) until they have satisfied their continuing education requirement.

Find your Michigan insurance license number View your CE transcript Renew your license.

Michigan Department of Insurance - Licensing Division
www.michigan.gov/DIFS
517-284-8800
DIFS-Licensing@michigan.gov
530 W. Allegan St., 7^th Floor, Lansing, MI 48933-1521