Free MI Life & Health Exam Prep
Michigan Life, Accident and Health Producer (Series 16-80)
Prepare for the MI Life & Health exam without spending hundreds on expensive prep courses. Free study guides, practice questions, flashcards, and related exam resources.
Quick Facts
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Michigan Life & Health Insurance License: Complete Roadmap
Follow this path to organize your licensing and exam preparation
Master Michigan Producer Law and Exam LogisticsYou are here
Start with DIFS authority, Chapter 12 licensing rules, appointments, CE, enforcement actions, and exam logistics (150 items, 150 minutes, 75% cut score).
Build Life Policy and Annuity Accuracy
Drill life policy classes, provisions/riders/options, nonforfeiture, replacement duties, and annuity use/taxation with Michigan-specific compliance framing.
Build Health, Disability, and Senior-Market Fluency
Focus on health policy provisions, disability income, medical and group plans, Medicare supplement, LTC, and Michigan-tested health-law duties.
Run Timed 150-Item Simulations
Practice full mixed-domain sessions under 150-minute timing and remediate misses by outline section and statute citation.
Can You Take the MI Life & Health Exam?
Check if you meet the basic eligibility requirements
- •Pass Series 16-80 with at least 113 correct answers out of 150
- •Prelicensing certificate is valid for 12 months from completion date
- •Passing exam results are valid for 12 months from pass date
- •Submit resident producer application through NIPR within validity timelines
- •After licensing, complete 24 CE hours every 2 years including at least 3 ethics hours
- •Michigan CE rules allow carryover of up to 12 non-ethics hours into the next 2-year period
- •Report legal name or address changes to the commissioner within 30 days
MI Life & Health Quick Facts
Time to Get Licensed
4-8 weeks for most candidates
From start to license in hand
Retake Policy
Under MCL 500.1204(6), a candidate who fails or misses the exam must reapply and pay required examination fees again; PSI scheduling policies also prohibit same-day retesting.
Total Cost Breakdown
Free MI Life & Health Prep Tools
Reported exam pass rate: Not publicly reported by DIFS / PSI. Check the exam sponsor for the latest official figure.
668+ Practice Questions
Practice by topic with detailed answer explanations
AI Tutor Explains Mistakes
Understand why answers are wrong, not just which ones
Updated for 2026
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What You'll Study
26 chapters covering the exam topics in this guide
Standalone Coverage Map
1 sections
Introduction: Michigan Life & Health Insurance Exam Overview
1 sections
National Portion: Insurance & Risk Fundamentals
5 sections
National Portion: Life Insurance Basics
4 sections
National Portion: Interest-Sensitive & Variable Life
4 sections
National Portion: Life Policy Provisions & Options
4 sections
National Portion: Life Riders & Underwriting
4 sections
National Portion: Annuities - Structure & Types
4 sections
National Portion: Annuities - Payout, Uses & Suitability
3 sections
National Portion: Life & Annuity Taxation, Group, and Retirement
4 sections
National Portion: Health Insurance Basics
4 sections
National Portion: Disability Income Insurance
4 sections
National Portion: Health Policy Provisions & Clauses
4 sections
National Portion: Group Health & Employer Plans
4 sections
National Portion: Senior & Government Health Programs
4 sections
National Portion: Long-Term Care & Supplemental Health
4 sections
National Portion: Affordable Care Act & Individual Market
3 sections
National Portion: Underwriting, Producers & Claims
3 sections
National Portion: Insurance Regulation & Licensing
3 sections
National Portion: Ethics & Unfair Trade Practices
3 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
MI Life & Health-Specific Topics Covered
MI Life & Health Exam Details
Michigan Life, Accident and Health Producer (Series 16-80)
Administered by Michigan Department of Insurance and Financial Services (DIFS) / PSI
Exam Content Breakdown
Based on the official Michigan Department of Insurance and Financial Services (DIFS) / PSI content outline
DIFS authority, producer licensing/appointments, CE, unfair trade practices, fraud, privacy, and discipline under Michigan Insurance Code Chapter 12 and related statutes/rules
Risk, insurer types, agency authority, legal contract principles, and core insurance terminology
Life basics, policy classes, policy provisions/options/riders, nonforfeiture, beneficiaries, and annuity concepts under Michigan-tested law and rules
A&H basics, policy provisions, disability income, medical plans, group health, dental, Medicare supplement, long-term care, and special-needs coverage topics
Tax treatment for life insurance, annuities, qualified plans, and health insurance benefits/contributions
What's Included
26 Chapters
Complete exam coverage
Practice Quizzes
With detailed explanations
Free to Start
No credit card required
Quality Exam Prep Shouldn't Cost Hundreds
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What's Next After the MI Life & Health?
After passing the MI Life & Health, you can pursue these career paths
MI Life & Health Exam FAQ
Official Michigan Department of Insurance and Financial Services (DIFS) / PSI Resources
Verify information with these official sources
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