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.
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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, Accident & Health Insurance Exam
To get your Michigan Life & Health insurance license, you must pass the state licensing exam administered by PSI Services LLC with a passing score of 70%. Exam fee: $11 per line (lowest in portfolio). Michigan is regulated by the Michigan Department of Insurance and Financial Services (DIFS) under Michigan Insurance Code (MCL Chapter 500). Visit michigan.gov/difs for official licensing information. Extremely low exam fee ($11/line — lowest in portfolio); Director appointed; Michigan Life and Health Insurance Guaranty Association; no-fault auto state (highest mandatory PIP $250,000 unlimited medical); DIFS regulates both insurance and financial services; large Detroit auto industry drives unique P&C market.
Pre-licensing education in Michigan: 20 hours per line. Continuing education: 24 hours biennial. License renewal fee: biennial. CE must be completed before submitting your Michigan renewal application. How to get licensed in Michigan: complete pre-licensing → submit background check/fingerprinting → pass PSI Services LLC exam → apply for Michigan producer license.
How to get a Michigan Life & Health insurance license in 2026: The Michigan Department of Insurance and Financial Services (DIFS) (michigan.gov/difs) administers all producer licensing in Michigan. Exam: PSI Services LLC, $11 per line (lowest in portfolio), 70%. Pre-licensing: 20 hours per line. Once licensed, maintain your Michigan Life & Health license by completing 24 hours biennial and paying the biennial renewal. For questions contact the Michigan Department of Insurance and Financial Services (DIFS).
DIFS (michigan.gov/difs). MCL Chapter 500. Director (not Commissioner) appointed. $11 exam fee (lowest in portfolio). 20-hr pre-licensing per line. Michigan L&H Guaranty Association. Large aging population = Medicare supplement market.
Frequently Asked Questions — Michigan L, A&H Insurance Exam
How do I get a Michigan Life & Health insurance license?
To become a licensed Life & Health producer in Michigan: (1) Complete any required pre-licensing education (20 hours per line); (2) Submit your application and complete the background check/fingerprinting process; (3) Pass the PSI Services LLC exam ($11 per line (lowest in portfolio), 70%); (4) Apply for your Michigan producer license. The Michigan Department of Insurance and Financial Services (DIFS) (michigan.gov/difs) oversees all insurance producer licensing in Michigan.
What exam does Michigan use for Life & Health insurance licensing?
Michigan uses PSI Services LLC to administer the Life & Health insurance licensing exam. Fee: $11 per line (lowest in portfolio). Passing score: 70%. Extremely low exam fee ($11/line — lowest in portfolio); Director appointed; Michigan Life and Health Insurance Guaranty Association; no-fault auto state (highest mandatory PIP $250,000 unlimited medical); DIFS regulates both insurance and financial services; large Detroit auto industry drives unique P&C market.
Does Michigan require pre-licensing for Life & Health insurance?
20 hours per line. For official pre-licensing provider information, visit michigan.gov/difs.
What are Michigan's CE requirements for Life & Health producers?
Michigan requires: 24 hours biennial. Renewal fee: biennial. CE must be completed before submitting the renewal application. Contact the Michigan Department of Insurance and Financial Services (DIFS) at michigan.gov/difs for CE provider information.
What makes Michigan unique for Life & Health insurance licensing?
Extremely low exam fee ($11/line — lowest in portfolio); Director appointed; Michigan Life and Health Insurance Guaranty Association; no-fault auto state (highest mandatory PIP $250,000 unlimited medical); DIFS regulates both insurance and financial services; large Detroit auto industry drives unique P&C market.
Practice Exam Questions — Michigan Life & Health
5 state-specific questions drawn from the Michigan exam content outline. Correct answer highlighted in green.
Michigan insurance is regulated by:
- The Michigan Department of Insurance (MDI)
- The Michigan Department of Insurance and Financial Services (DIFS) — 'Director' (not Commissioner) appointed by the Governor; michigan.gov/difs; MCL Chapter 500
- The Michigan Department of Finance
- The Michigan Securities Division
Michigan's exam fee is:
- $74 combined
- $65
- $11 per line — the lowest exam fee in the portfolio; PSI Services LLC administers; PSI Bridge available; 20-hr pre-licensing per line required
- $40 per exam
Michigan auto insurance is notable for:
- Having no mandatory PIP requirement
- 25/50/10 minimums with optional PIP
- A unique no-fault system with tiered PIP since 2020 reform — drivers choose PIP tiers ($50K, $250K, $500K, or unlimited for medical); MCCA reinsures unlimited claims; 10/20/10 BI minimums
- Having the lowest auto premiums in the US
Michigan CE requires:
- 24 hours biennial — DIFS-approved providers; Director (not Commissioner) appointed; MCL Chapter 500; no CE carryover
- 30 hours triennial
- 16 hours biennial
- No CE in Michigan
Michigan's primary insurance statute is:
- MCL Title 24 — Professions
- Michigan Compiled Laws (MCL) Chapter 500 — the Michigan Insurance Code; DIFS at michigan.gov/difs; Director appointed; 530 W. Allegan St., Lansing MI 48933
- Michigan Administrative Code Chapter 500
- MCL Title 18 — Finance