200+ Free MI Life & Health Practice Questions
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Key Facts: MI Life & Health Exam
16-80
Michigan Exam Code
PSI Michigan content outline
150
Exam Items
PSI Michigan content outline
2.5 hours
Time Limit
PSI Michigan content outline
75%
Passing Score
113 correct required
$41
Exam Fee
PSI Michigan candidate bulletin
12 months
Certificate/Result Validity
Michigan candidate bulletin
Michigan Series 16-80 is 150 items in 2.5 hours with a 75% cut score (113 correct) and a $41 exam fee. Michigan-specific regulation is heavily tested, including producer licensing under the Insurance Code, CE rules under MCL 500.1204c, and line-specific life and health statutes. Michigan candidate materials also state prelicensing certificates are valid 12 months and passing exam results are valid 12 months.
About the MI Life & Health Exam
Michigan Series 16-80 is a combined producer exam that tests state regulation, life insurance law, annuities, accident and health coverage, group and senior-market concepts, and federal tax basics tied to life and health products.
Questions
150 scored questions
Time Limit
2 hours 30 minutes (150 minutes)
Passing Score
75% (113/150)
Exam Fee
$41 (Michigan Department of Insurance and Financial Services (DIFS) / PSI)
MI Life & Health Exam Content Outline
Michigan Insurance Regulation
DIFS authority, producer licensing/appointments, CE, unfair practices, fraud, privacy, and disciplinary powers
General Insurance Concepts
Risk, contract law, insurable risk, insurer types, agency authority, and legal contract principles
Life Insurance Core
Life basics, life policy classes, policy provisions/options/riders, nonforfeiture, and beneficiary/ownership concepts
Annuities and Life Taxation
Annuity products/uses plus federal tax treatment for life, annuities, and qualified plans
Health, Disability, Medical Plans, and Senior Topics
A&H basics, disability income, medical/group plans, dental, Medicare supplement, LTC, Medicaid, and health-tax concepts
How to Pass the MI Life & Health Exam
What You Need to Know
- Passing score: 75% (113/150)
- Exam length: 150 questions
- Time limit: 2 hours 30 minutes (150 minutes)
- Exam fee: $41
Keys to Passing
- Complete 500+ practice questions
- Score 80%+ consistently before scheduling
- Focus on highest-weighted sections
- Use our AI tutor for tough concepts
MI Life & Health Study Tips from Top Performers
Frequently Asked Questions
How many questions are on Michigan Series 16-80?
Series 16-80 delivers 150 items with a 150-minute time limit. The official cut score is 75%, which equals 113 correct answers.
What does the Michigan Life & Health exam cost?
The Michigan PSI candidate bulletin lists a $41 exam fee. The fee is nonrefundable and nontransferable, so candidates should schedule when prepared.
How long are Michigan prelicensing certificates and passing exam results valid?
Michigan candidate instructions state prelicensing certificates are valid for 12 months from completion, and passing exam results are valid for 12 months from the pass date.
What CE applies after Michigan licensure?
Michigan requires 24 CE hours every 2 years, including at least 3 ethics hours. If CE is missed by license expiration, a 90-day grace period applies, but producers cannot sell new business during that grace period.
How is Michigan different from many states on passing score?
Many insurance states use a 70% exam threshold, but Michigan Series 16-80 uses 75%. That higher cut score increases the need for timed mixed-domain practice.
Is remote-proctored testing available for Michigan insurance exams?
Current Michigan candidate bulletin language states DIFS discontinued remote-proctored insurance exams. Candidates should plan for in-person test-center scheduling.