199+ Free MI Life & Health Practice Questions

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Question 1

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Which Michigan agency regulates insurance producers and insurers?

Michigan Office of Insurance Regulation

Michigan Department of Insurance and Financial Services (DIFS)

Michigan Department of Commerce Insurance Bureau

Michigan Insurance Licensing Authority

to track

2026 Statistics

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.

Sample MI Life & Health Practice Questions

Try these sample questions to test your MI Life & Health exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 199+ question experience with AI tutoring.

1Which Michigan agency regulates insurance producers and insurers?

A.Michigan Office of Insurance Regulation

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

C.Michigan Department of Commerce Insurance Bureau

D.Michigan Insurance Licensing Authority

Explanation: DIFS is the state regulator responsible for insurance licensing, enforcement, and market conduct in Michigan. Exam candidates should treat DIFS authority as the primary state-law framework on the 16-80 exam.

2What is the Michigan combined Life, Accident and Health producer exam code?

A.16-70

B.16-75

C.16-80

D.16-83

Explanation: Michigan identifies the combined line exam as Series 16-80. Using the wrong series code when scheduling can result in registering for a different authority.

3How many items are delivered on Michigan Series 16-80?

A.110

B.130

C.150

D.160

Explanation: The Michigan 16-80 content outline states 150 items. Candidates should pace for a full mixed exam that includes both national content and Michigan law content.

4What is the time limit for Michigan Series 16-80?

A.2 hours

B.2 hours 30 minutes

C.3 hours

D.3 hours 30 minutes

Explanation: Series 16-80 allows 2.5 hours, or 150 minutes. Time management matters because regulation, life, annuities, and health topics are all tested in one sitting.

5What passing standard is listed for Michigan Series 16-80?

A.70% (105 correct)

B.72% (108 correct)

C.75% (113 correct)

D.80% (120 correct)

Explanation: The published passing standard is 75%, which equals 113 correct responses out of 150 items. This is higher than the common 70% standard used in many other states.

6What exam fee does the Michigan PSI candidate bulletin list for producer licensing exams?

A.$35

B.$41

C.$49

D.$55

Explanation: The candidate bulletin lists a $41 examination fee. The fee is nonrefundable and nontransferable, so candidates should confirm readiness before booking.

7How long is a Michigan prelicensing certificate of completion valid?

A.6 months

B.9 months

C.12 months

D.24 months

Explanation: Michigan states that the prelicensing certificate is valid for 12 months from course completion. If that window expires, the candidate must complete prelicensing again before testing.

8After passing the Michigan insurance exam, how long are the passing results valid?

A.90 days

B.180 days

C.12 months

D.24 months

Explanation: Passing exam results are valid for 12 months from the pass date. Candidates should complete the licensing application steps within that validity period.

9Under MCL 500.1204, which condition must be met before a resident applicant can take a producer exam?

A.The applicant must hold an active nonresident license in another state

B.The applicant must complete a registered program of study and file a certificate

C.The applicant must first complete fingerprinting through the testing vendor

D.The applicant must complete 24 CE hours

Explanation: MCL 500.1204 requires completion of a registered program of study before exam admission. The certificate must show completion within the allowed timeframe before the exam application is received.

10Under MCL 500.1204(6), what happens if an applicant fails to appear for a scheduled Michigan producer exam?

A.The fee is automatically transferred to the next appointment

B.The applicant is given one free make-up exam

C.The applicant must reapply and pay required exam fees again

D.The applicant can test without rescheduling within 30 days

Explanation: Michigan law states that no-shows or failures require reapplication and payment of required fees. This rule also applies when a candidate fails the exam and wants another attempt.

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

11%

Michigan Insurance Regulation

DIFS authority, producer licensing/appointments, CE, unfair practices, fraud, privacy, and disciplinary powers

10%

General Insurance Concepts

Risk, contract law, insurable risk, insurer types, agency authority, and legal contract principles

25.5%

Life Insurance Core

Life basics, life policy classes, policy provisions/options/riders, nonforfeiture, and beneficiary/ownership concepts

7.5%

Annuities and Life Taxation

Annuity products/uses plus federal tax treatment for life, annuities, and qualified plans

46%

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

1Memorize Michigan exam logistics first: 150 questions, 150 minutes, 75% passing score, and $41 exam fee

2Use the official weighting: health/senior domains are the largest share, so do not over-focus only on life products

3Drill Michigan producer law and CE rules, including reporting deadlines and 90-day CE grace-period restrictions

4Practice state-law scenarios on replacement, Medigap, LTC marketing requirements, and unfair-practice boundaries

5Take full timed mixed exams and target at least 80% in practice before test day

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.