Free Michigan Life & Health Exam Prep
Michigan Life, Accident, and Health Insurance
Pass your Michigan Life & Health exam without spending hundreds on expensive prep courses. Free study guides, practice questions, and AI-powered learning.
Quick Facts
Michigan Life & Health Insurance License: Complete Roadmap
Follow this path to maximize your chances of passing on the first try
Complete Pre-License Education
Enroll in DIFS-approved 40-hour pre-license course (20 hours Life + 20 hours A&H). Course can be classroom or approved self-study format. Certificate valid for 12 months.
Life Insurance & AnnuitiesYou are here
Master life insurance products (term, whole, universal, variable), annuities (fixed, variable, indexed), policy provisions, beneficiaries, and Michigan replacement regulations.
Accident & Health Products
Study medical expense insurance, individual and group health plans, disability income, long-term care, Medicare Supplement, and Michigan health insurance regulations.
Michigan Laws & Regulations
Focus on Michigan-specific content: DIFS regulations, Michigan Insurance Code (MCL 500), MILHIGA guaranty association, unfair trade practices, and producer licensing requirements.
Can You Take the Michigan Life & Health Exam?
Check if you meet the basic eligibility requirements
- •Pre-license education must be from DIFS-approved provider
- •Pre-license certificate valid for 12 months after completion
- •Exam must be passed within 12 months of course completion
- •Michigan requires 72% passing score (higher than most states)
- •Waivers available for CLU, CPCU, CFP, ChFC, CIC, FLMI, and other designations
- •CE requirements: 24 hours per 2-year period (including 3 hours ethics)
Free Michigan Life & Health Prep That Actually Works
The official pass rate is ~60-65% (first attempt). Our students do better.
500+ Practice Questions
More free questions than most paid courses
AI Tutor Explains Mistakes
Understand why answers are wrong, not just which ones
Updated for 2026
Content reflects latest exam changes
$0 Forever
No credit card, no trial, no upsells
What You'll Study
7 chapters covering everything you need to pass
Introduction: Michigan Life & Health Insurance Exam Overview
1 sections
Chapter 1: Michigan Insurance Regulation & Licensing
3 sections
Chapter 2: Michigan Life Insurance Laws
3 sections
Chapter 3: Michigan Health Insurance Laws
3 sections
Chapter 4: Michigan Insurance Ethics & Prohibited Practices
3 sections
Chapter 5: Michigan Advanced Annuity Regulations
3 sections
Chapter 6: Michigan Group Insurance & Special Topics
3 sections
Michigan Life & Health-Specific Topics Covered
10 free AI interactions per day
Michigan Life & Health Exam Details
Michigan Life, Accident, and Health Insurance
Administered by Michigan Department of Insurance and Financial Services (DIFS)
Exam Content Breakdown
Based on the official Michigan Department of Insurance and Financial Services (DIFS) content outline
~30 questions: Risk management, contract law, policy provisions
~39 questions: Term, whole, universal life, policy features
~18 questions: Annuity types, taxation, suitability requirements
~33 questions: Medical expense, disability, LTC, Medicare Supplement
~12 questions: Group life, group health, COBRA, HIPAA
~18 questions: DIFS regulations, MILHIGA, unfair practices, licensing
What's Included
7 Chapters
Complete exam coverage
Practice Quizzes
With detailed explanations
Free to Start
No credit card required
Quality Exam Prep Shouldn't Cost Hundreds
I'm Ran Chen, an engineer with 20+ years of coding experience. I passed my Life Insurance license, EA exam, SIE, Series 6, 63, 65, and finally the CFP® exam.
Through all these exams, one thing became clear: exam prep is expensive. But with AI, we can change that. Quality preparation can now be free for everyone.
What's Next After the Michigan Life & Health?
After passing the Michigan Life & Health, you can pursue these career paths
Michigan Life & Health Exam FAQ
Official Michigan Department of Insurance and Financial Services (DIFS) Resources
Verify information with these official sources
More Free Resources
Ready to Start Your Free Michigan Life & Health Prep?
Join thousands of candidates who passed their exams using our free study materials.