Key Takeaways
- Michigan P&C insurance licenses expire on the licensee's birthday every 2 years
- Renewal requires 24 hours of continuing education, including 3 hours of ethics
- CE must be completed before the license expiration date
- Late renewals within 12 months may be reinstated with late fees and CE completion
- DIFS can discipline licensees including suspension, revocation, or fines
Last updated: January 2026
License Maintenance and Continuing Education
Michigan P&C insurance licenses require ongoing maintenance through continuing education and timely renewal.
License Terms and Renewal
| Item | Requirement |
|---|---|
| License Term | 2 years |
| Expiration Date | Licensee's birthday |
| Renewal Fee | $10 |
| Late Renewal (up to 12 months) | May reinstate with fees and CE |
| Expired Over 12 Months | Must reapply, may need to retest |
Continuing Education Requirements
Michigan requires 24 hours of continuing education (CE) every 2 years:
CE Requirements
| Requirement | Hours |
|---|---|
| Total CE Hours | 24 |
| Ethics (required) | 3 |
| Electives | 21 |
| CE Period | 2 years (matches license term) |
CE Course Requirements
- Must be completed at DIFS-approved providers
- Online and classroom options available
- Cannot repeat same course within 2-year period
- CE must be completed BEFORE license expiration
- Ethics hours cannot be waived
Reporting Requirements
Michigan producers must notify DIFS of changes within 30 days:
- Change of business address
- Change of residence address
- Change of name
- Administrative actions by other states
- Criminal charges or convictions
- Change in email address
Disciplinary Actions
DIFS can take disciplinary action against licensees for violations:
Types of Discipline
| Action | Description |
|---|---|
| Warning Letter | Minor first offense |
| Probation | License continues with conditions |
| Suspension | Temporary loss of license |
| Revocation | Permanent loss of license |
| Fine | Monetary penalties |
| Restitution | Payment to harmed parties |
Common P&C Violations
- Misrepresentation of policy terms or coverage
- Twisting (replacing policies for commission)
- Rebating (offering unauthorized inducements)
- Unfair claims practices
- Commingling of funds
- Failure to maintain CE requirements
- Operating without proper appointment
License Status Types
| Status | Meaning |
|---|---|
| Active | License current and in good standing |
| Inactive | Not actively practicing |
| Expired | License term ended, not renewed |
| Suspended | Temporary disciplinary action |
| Revoked | License permanently cancelled |
Appointing Companies
P&C agents must be appointed by insurers to sell their products:
- Appointment Required: Before selling products
- Appointment Fee: Varies by company
- Termination Reporting: Insurers must report terminations to DIFS within 30 days
- For Cause Terminations: May trigger DIFS investigation
Exam Tip: Michigan CE requires 24 hours every 2 years, including 3 hours of ethics. The license expires on your birthday.
Test Your Knowledge
How many hours of continuing education does Michigan require for P&C license renewal?
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Test Your Knowledge
How many hours of ethics CE does Michigan require per renewal period?
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