Michigan Life, Accident & Health Insurance License Practice Exam
150 practice questions covering national life & health concepts and Michigan-specific insurance statutes — with Michigan's 75% passing threshold.
Michigan L, A&H — Study by Topic
Drill individual domains or take the full 150-question practice exam.
Life Insurance
Term, whole life, universal life, group life, policy provisions, riders, beneficiaries, nonforfeiture options.
Accident & Health
Individual and group health, HMO, PPO, disability income, long-term care, Medicare supplement, COBRA.
Annuities & Retirement
Fixed, variable, indexed annuities; suitability; qualified plans; Social Security; Medicare Parts A–D.
Michigan State Law
Director of DIFS, MCL 500, producer licensing, unfair practices, guaranty association, replacement regs.
🌟
Full MI L, A&H Exam
National and Michigan-specific questions mixed to match the real PSI exam. 75% to pass.
About the Michigan Life & Health Insurance Exam
The Michigan Life, Accident and Health Producer exam is a single combined test administered by PSI Services LLC for the Michigan Department of Insurance and Financial Services (DIFS), which licenses resident producers. It has 150 items and a 2.5-hour limit, and DIFS sets the cut score at 75%; PSI's content outline lists that as 113 correct answers. Resident candidates must be at least 18, complete DIFS-approved pre-licensing education (40 hours for Life and Health together), and take the initial exam within 12 months of finishing the course.
Michigan also offers single-line exams. The Life Producer exam has 100 items and a 72% cut score, and the Accident and Health Producer exam has 100 items and a 76% cut score, each with a 2-hour limit. The PSI exam fee is $41, valid for one year from payment. Since June 10, 2025, DIFS no longer allows remote proctoring, so every Michigan insurance exam is taken in person at a PSI testing location.
Michigan Life & Health Insurance Exam Topic Breakdown
| Section | Questions / Weight | Key Topics |
|---|---|---|
| MI — I. Insurance Regulation | 17 (11%) | Producer appointment and termination, duties and commissions, licensee types, name and address changes, continuing education, disciplinary actions, unfair trade practices, rebating, fraud, consumer privacy |
| II. General Insurance Concepts | 15 (10%) | Risk management, insurable risk, adverse selection, stock and mutual insurers, producer authority, contract law, waiver and estoppel |
| III. Life Insurance Basics | 15 (10%) | Michigan life insurance laws (insurable interest, replacement, illustrations, guaranty association), needs analysis, business uses, application process, underwriting |
| IV. Life Insurance Policies | 8 (5.5%) | Term, whole life variations, interest sensitive and equity index, adjustable and universal life, group life and conversion |
| V. Life Insurance Policy Provisions, Options, and Riders | 15 (10%) | Standard provisions, beneficiaries, settlement and nonforfeiture options, policy loans, dividends, waiver of premium, accelerated benefit and LTC riders, accidental death |
| VI. Annuities | 6 (4%) | Accumulation vs. annuity period, immediate vs. deferred, fixed, equity indexed and market value adjusted annuities, qualified plan uses |
| VII. Federal Tax Considerations for Life Insurance, Annuities, and Qualified Plans | 5 (3.5%) | Taxation of cash value, dividends, loans and death benefits, non-qualified annuities, IRAs, rollovers, Section 1035 exchanges |
| VIII. Accident and Health Insurance Basics | 15 (10%) | Definitions, limited vs. comprehensive policies, accident-only, critical illness and hospital indemnity, Medicare supplements, outline of coverage, underwriting, replacement |
| IX. Individual Accident, Health, and Disability Insurance Policy General Provisions | 7 (4.5%) | Required and optional provisions, renewability (noncancelable, guaranteed renewable, conditionally renewable) |
| X. Disability Income and Related Insurance | 8 (5.5%) | Own-occupation vs. any-occupation, elimination and benefit periods, partial disability, group and business disability, workers' compensation benefits |
| XI. Medical Plans | 14 (9%) | Major medical, HMOs, PPOs, point-of-service plans, cost containment, utilization review, precertification |
| MI — Michigan Eligibility Requirements (within Medical Plans) | Included in Medical Plans | Dependent child age limits, newborn and adopted children, non-custodial parent enrollment, HIPAA eligibility, guaranteed issue, creditable coverage, renewability |
| XII. Group Health Insurance | 8 (5.5%) | Group contract and certificate, eligible groups, coordination of benefits, COBRA and Michigan continuation rules, small employer plans |
| XIII. Dental Insurance | 2 (1.5%) | Indemnity plans, benefit categories, deductibles and coinsurance, predetermination of benefits |
| XIV. Health Insurance for Senior Citizens and Special Needs Individuals | 12 (8%) | Medicare Parts A to D, Medicare supplements, Medicaid, long-term care insurance, Michigan marketing standards and required disclosures |
| XV. Federal Tax Considerations for Health Insurance | 3 (2%) | Taxation of disability income and medical plans, FSAs, HRAs, HSAs, employer group coverage |
Item counts and weights are from the PSI Michigan Life, Accident and Health Producer content outline (Series 16-80). The outline does not separate national from state items, so only the sections it frames around Michigan law are marked MI; Michigan-specific rules also appear inside Sections III, XII, and XIV. The Michigan eligibility requirements are a topic within Medical Plans and carry no separate item count in the outline.
What Makes the Michigan Life & Health Exam Different
One combined exam, one cut score. Michigan tests Life and Accident and Health together in one 150-item sitting with a 75% cut score. If you only want one line, the Life Producer (100 items, 72%) and Accident and Health Producer (100 items, 76%) exams are separate, so the A&H-only bar is actually higher than the Life-only bar (DIFS Insurance Examination Cut Scores).
Accident and health carries more weight than life. By the outline's item counts, the eight accident, health, and disability sections total 69 of 150 items, versus 49 for the five life and annuity sections and 32 for regulation and general concepts. Medical Plans (14 items) and senior and special-needs health insurance (12 items) are two of the largest single areas.
Pre-licensing is 20 hours per line. DIFS requires 20 hours for Life and 20 for Accident & Health, so a Life and Health candidate completes 40 hours from a Michigan-approved provider, by classroom or self-study (MCL 500.1204a). The course completion certificate is good for 12 months, and the initial exam must be taken in that window; if you have not passed by then, the course must be retaken. DIFS can waive the requirement for certain designations (CLU, ChFC, CPCU, AAI, CIC) or qualifying college credits, but only by written waiver before you schedule.
Michigan-specific rules show up inside the national topics. The outline calls out Michigan life insurance laws (insurable interest, replacement, illustrations, the guaranty association), Michigan eligibility requirements for dependents and newborns (within Medical Plans), Michigan continuation rules alongside COBRA, Michigan Medicare supplement rules, and Michigan long-term care marketing standards and required disclosures.
Appointment is required before you can act for an insurer. An insurer must file your appointment electronically within 15 days of the first application, and a producer who is not properly appointed may not act as that insurer's agent (DIFS appointments guidance).
In-person testing only. DIFS ended remote proctoring for insurance exams after June 2025. PSI asks you to arrive 30 minutes early, and a missed appointment, late cancellation, or lack of proper ID forfeits the exam fee.
Sample Michigan Life & Health Insurance Exam Questions
1. A Michigan life insurance policy has been in force for more than one year, and the policyowner misses a renewal premium due date. What grace period must the policy provide?
2. A Michigan resident producer has earned 24 CE credits in the review period, 3 of them in ethics, and then completes 15 more approved hours. How many of the extra hours can carry over to the next review period?
3. A Michigan candidate finishes a 20-hour Life pre-licensing course and a 20-hour Accident & Health course. How long is the course completion certificate valid, and what does that mean for the exam?
Study Tips for the Michigan Life & Health Exam
The A&H side of the exam is bigger than most people expect: 69 of the 150 items. Spend real time on medical plans (HMO, PPO, point-of-service, cost containment), Medicare and Medicaid, and the Michigan eligibility rules for dependents and newborns, since those sections are where many candidates pick up easy points.
A 75% cut score means 113 correct out of 150, according to PSI's outline, so you can miss about 37 items. Michigan's regulation section is 17 items on its own; learning the appointment, discipline, and unfair trade practice rules can cover more than a tenth of the exam.
Preparing for Property & Casualty too? See our Michigan Property & Casualty practice exam. Nearby: the Ohio Life & Health practice exam and Indiana Life & Health practice exam.
How to Get Your Michigan Life & Health Insurance License
There are four steps to get your Michigan Life, Accident and Health producer license.
Steps to Get Your Michigan Life & Health Insurance License
| Step | What to Do |
|---|---|
| 1. Pre-Licensing Education | Complete 20 hours for Life and 20 hours for Accident & Health (40 total) from a Michigan-approved provider, by classroom or self-study. Each completion certificate is valid for 12 months, and the provider sends your completion data to DIFS electronically. |
| 2. Apply Through NIPR | File the electronic resident application with NIPR for the Michigan DIFS resident producer license. The DIFS page lists a $10 application fee plus a $5 transaction fee, and the application is valid for 180 days. |
| 3. Pass the PSI Exam | Schedule at test-takers.psiexams.com/midifs or by phone at 855-579-4639, and pay PSI the $41 exam fee. You need a 75% cut score on the 150-item Life, Accident and Health Producer exam, taken in person at a PSI site. |
| 4. Get Appointed & Keep Current | An insurer must appoint you within 15 days of the first application before you can act as its agent. Then earn 24 CE credits every two years, including 3 in ethics. |
Michigan Life & Health Insurance License Requirements at a Glance
| Requirement | Detail |
|---|---|
| Minimum age | 18 (MCL 500.1205(1)(a)) |
| Pre-license education | 40 hours (20 Life + 20 Accident & Health); certificate valid 12 months |
| Exam | Life, Accident and Health Producer: 150 items |
| Time limit | 2.5 hours |
| Passing score | 75% (113 correct per PSI outline) |
| Single-line exams | Life Producer: 100 items, 72%. Accident and Health Producer: 100 items, 76% (2 hours each) |
| Fees | $10 NIPR application + $5 transaction fee (DIFS); $41 exam fee (PSI) |
| Continuing education | 24 credits every two years, at least 3 in ethics; up to 12 hours carryover |
| Exam provider | PSI Services LLC (in-person testing only) |
| Licensing authority | Michigan Department of Insurance and Financial Services |
Verified against the PSI Michigan Candidate Information Bulletin and Life, Accident and Health content outline, DIFS licensing, examination, and CE pages, and the Michigan Compiled Laws. Confirm current fees and rules with DIFS before you apply.
Our free Michigan Life & Health practice exam mixes national and Michigan content. You can also try the life & health practice exam or the insurance license exam study guide.
Interested in where this license leads? See our guide to insurance careers — including salary ranges, how to break in, and what the career looks like day to day.
Frequently Asked Questions — Michigan Life & Health Insurance Exam
How many questions are on the Michigan Life and Health insurance exam?
The Michigan Life, Accident and Health Producer exam has 150 items and a 2.5-hour time limit. It is a single combined exam administered by PSI Services LLC.
What is the passing score for the Michigan Life, Accident and Health exam?
DIFS sets the cut score at 75%. PSI's content outline lists that as 113 correct answers out of 150.
Can I take only the Life or only the Accident and Health exam in Michigan?
Yes. The Life Producer exam has 100 items and a 72% cut score, and the Accident and Health Producer exam has 100 items and a 76% cut score, with 2 hours for each. The combined Life, Accident and Health exam is the 150-item test on this page.
How many pre-licensing hours does Michigan require for Life and Health?
DIFS requires 20 hours for Life and 20 hours for Accident & Health, so 40 hours for Life and Health together, from a Michigan-approved provider. Classroom and self-study are both accepted. The course certificate is valid for 12 months, and you must take the initial exam within that window.
Can the Michigan pre-licensing requirement be waived?
DIFS can waive it for candidates with certain designations (CLU, ChFC, CPCU, AAI, CIC) or a concentration of insurance college credits. Which designations qualify varies by line, and you must request and receive a written waiver before scheduling the exam.
How much does the Michigan insurance exam cost?
The PSI exam fee is $41, non-refundable and valid for one year from payment. Separately, the DIFS page lists a $10 application fee plus a $5 NIPR transaction fee for the resident application.
Can I take the Michigan insurance exam online?
No. DIFS ended remote proctoring for insurance exams in June 2025, so exams are taken in person at PSI testing locations. Arrive 30 minutes early, since a candidate who has not checked in by the start time is not allowed to test.
What are Michigan's continuing education requirements for producers?
Resident producers and solicitors must earn 24 State-approved CE credits every two years, at least 3 of them in ethics. After meeting the 24-hour minimum, up to 12 additional hours can be carried over to the next review period. Your first CE review date is based on your birth month and year, must fall at least 12 months after approval, and is printed on your license. Limited Life, Crop/Hail, Travel/Accident/Baggage, Title, Credit Products, and Limited Lines Property & Casualty licenses do not require CE.