Michigan Life & Health Insurance Exam 2026

Welcome to your FREE Michigan Life & Health Insurance exam preparation guide. This comprehensive study resource covers Michigan-specific insurance laws, regulations, and requirements you need to pass your state licensing exam.

Note: This guide covers Michigan state-specific content. You should also study national Life & Health insurance concepts, as the majority of the exam tests general insurance knowledge.

Why Get Licensed in Michigan?

Michigan offers excellent opportunities for insurance professionals:

• Large Population: Over 10 million residents create substantial insurance demand
• Diverse Economy: Automotive, healthcare, manufacturing, and agriculture industries
• Major Metropolitan Area: Detroit metro offers significant market opportunities
• Aging Population: Growing demand for Medicare supplements and long-term care
• Healthcare Hub: Multiple major hospital systems and medical centers
• Small Business Economy: Strong entrepreneurial community needs coverage
• Unique Auto Insurance: Michigan's no-fault system creates specialized knowledge needs

What This Guide Covers

This FREE study guide includes:

• Michigan Insurance Law & Regulations - DIFS structure, Michigan Insurance Code
• Life Insurance - Michigan-specific provisions, policy requirements, beneficiary rules
• Health Insurance - State mandates, consumer protections, continuation rights
• Licensing Requirements - Pre-license education, exam structure, CE requirements
• Practice Questions - Quiz questions with detailed explanations in each chapter

Exam Format & Requirements

Pre-License Education (REQUIRED)

Michigan REQUIRES pre-licensing education before you can take the licensing exam:

The required hours include 6 hours of professional ethics and Michigan insurance laws.

Pre-License Course Requirements

• Complete all lessons sequentially as required by Michigan PLE requirements
• Pass the closed-book Certification Exam with a score of 70% or higher
• Certificate is valid for 12 months from date of course completion
• IMPORTANT: You must complete pre-licensing BEFORE taking the state exam

Critical Warning: If you take the state exam before completing pre-licensing education, your exam results will be invalidated and you will have to retake the exam.

Exam Structure

Important: Higher Passing Score

Michigan requires a 76% passing score - higher than the typical 70% required in most states. Plan your study accordingly.

Variable Life and Annuity Exception

Applicants for the Michigan Variable Life and Annuity producer license are only required to pass the state licensing exam and do not have to complete pre-licensing education.

Exam Costs (2026)

• Pre-License Education Course: $150-$400 (varies by provider)
• State Exam Fee: Approximately $65-$85 per exam
• License Application Fee: Via NIPR
• Total Initial Investment: Approximately $300-$600

Application Process

Steps to Get Licensed

1. Enroll in Pre-License Course: State-approved 40-hour course for combined L&H
2. Complete All Lessons Sequentially: Required by Michigan PLE requirements
3. Pass Certification Exam: Score 70% or higher
4. Receive Certificate: Valid for 12 months
5. Schedule State Exam: Book with Pearson VUE
6. Pass State Exam: Score 76% or higher
7. Submit Application: Apply through NIPR
8. Receive License: Michigan DIFS issues license

Application Timeline

• Pre-licensing certificate valid for 12 months
• Must pass state exam within 12 months of completing pre-licensing
• Apply for license through NIPR after passing exam

Exam Content Areas

National Content (Life Insurance)

1. General Insurance Concepts (15-20%)

   • Risk and insurance fundamentals
   • Policy structure and provisions
   • Insurable interest and indemnity
   • Insurance company operations

2. Life Insurance Products (30-35%)

   • Term life insurance types
   • Whole life and permanent insurance
   • Universal and variable life
   • Annuities and retirement products

3. Life Insurance Policy Provisions (25-30%)

   • Standard policy provisions
   • Optional provisions and riders
   • Beneficiary designations
   • Settlement options

4. Life Insurance Underwriting & Taxation (15-20%)

   • Underwriting basics
   • Tax treatment of life insurance
   • Business uses of life insurance
   • Estate planning concepts

National Content (Accident & Health)

1. General Insurance Concepts (15-20%)

   • Risk and insurance fundamentals
   • Policy structure and provisions
   • Insurable interest principles

2. Health Insurance Products (30-35%)

   • Medical expense insurance
   • Disability income insurance
   • Long-term care insurance
   • Medicare and Medicaid

3. Health Insurance Policy Provisions (25-30%)

   • Mandatory and optional provisions
   • Policy riders and endorsements
   • Renewal provisions
   • Claims procedures

4. Group Health Insurance (15-20%)

   • Group plan characteristics
   • COBRA and continuation rights
   • ERISA requirements
   • ACA compliance

Michigan State Content

The Michigan-specific portion covers:

1. Michigan Department of Insurance and Financial Services (DIFS)

   • Department structure and authority
   • Director of DIFS powers
   • Michigan Insurance Code (Chapter 500)
   • Regulatory oversight and enforcement

2. Michigan Producer Licensing

   • Pre-licensing education requirements (40 hours for L&H)
   • Licensing requirements and process
   • Lines of authority
   • Continuing education requirements (24 hours every 2 years)
   • License renewal procedures

3. Michigan Life Insurance Laws

   • Policy delivery requirements
   • Free look period requirements
   • Beneficiary designation rules
   • Policy replacement regulations
   • Standard policy provisions

4. Michigan Health Insurance Laws

   • State health insurance mandates
   • Michigan continuation rights
   • Individual and group market rules
   • Medicare supplement regulations
   • Essential health benefits

5. Michigan Insurance Trade Practices

   • Unfair trade practices
   • Prohibited practices and penalties
   • Consumer protection laws
   • Claims handling requirements

License Maintenance & Continuing Education

CE Requirements

• Total Hours: 24 hours every 2 years
• Ethics Requirement: 3 hours of ethics CE required
• Deadline: CE must be completed before license expiration

License Renewal

• Renewal Period: Every 2 years
• Renewal Process: Through NIPR
• Late Renewal: Additional fees and potential license lapse

Reporting Requirements

• Report address changes promptly
• Report administrative actions within required timeframe
• Maintain records for required period

Study Strategy

Recommended Study Plan

Week 1-2: Pre-License Course Foundation

• Complete life insurance modules sequentially
• Pass chapter assessments
• Focus on policy types and provisions

Week 3-4: Health Insurance Content

• Complete health insurance modules
• Study Medicare and Medicaid
• Focus on policy provisions

Week 5: Michigan-Specific Content

• Complete 6 hours of ethics and Michigan law
• Study Michigan Insurance Code
• Review DIFS regulations

Week 6-7: Practice & Certification

• Pass pre-license certification exam (70%+)
• Receive certificate
• Begin state exam preparation

Week 8: State Exam Preparation

• Focus on 76% passing score requirement
• Take practice state exams
• Schedule and take state exam

Key Numbers to Memorize

Pre-License Education

• Total Hours: 40 hours for combined L&H
• Ethics/MI Law: 6 hours included
• Certification Exam Pass Score: 70%
• Certificate Valid: 12 months

State Exam Requirements

• Passing Score: 76% (higher than most states)
• Life Exam: 100 questions in 120 minutes
• Combined L,A&H: 150 questions in 150 minutes

Continuing Education

• CE Hours: 24 hours every 2 years
• Ethics Hours: 3 hours required

Michigan Insurance Resources

Official Resources

• Michigan DIFS: michigan.gov/difs
• Insurance Prelicensing Education: michigan.gov/difs/industry/licensing-ins/education
• Michigan Insurance Code: legislature.mi.gov
• Pearson VUE Exam Information: pearsonvue.com
• NIPR Licensing Portal: nipr.com

Important Contacts

Michigan DIFS

• Address: 530 W. Allegan Street, Lansing, MI 48933
• Phone: (517) 284-8800
• Toll-Free: (877) 999-6442
• Website: michigan.gov/difs

Pearson VUE Testing

• Website: pearsonvue.com
• Phone: (800) 274-2609

Getting Started

This study guide is organized into chapters covering Michigan-specific requirements:

Chapter 1: Michigan L&H Regulation & Licensing

• Michigan DIFS structure
• Pre-license education requirements
• Producer licensing process
• Continuing education requirements

Chapter 2: Michigan Life Insurance

• State policy requirements
• Free look and replacement rules
• Beneficiary provisions
• Group life insurance

Chapter 3: Michigan Health Insurance

• State health mandates
• Michigan continuation rights
• Medicare supplement regulations
• Long-term care requirements

Chapter 4: Michigan Ethics & Professional Conduct

• Unfair trade practices
• Producer duties to clients
• Claims handling requirements
• Record keeping and documentation

Ready to start? Begin with Chapter 1 to learn about Michigan's regulatory structure and licensing requirements.

Disclaimer

This study guide is for educational purposes only and reflects Michigan insurance laws and regulations as of January 2026. Insurance laws change frequently. Always verify current requirements with Michigan DIFS before relying on any information for licensing or business decisions.

Good luck on your Michigan Life & Health insurance exam!