Michigan Property & Casualty Insurance License Practice Exam
150 practice questions covering national P&C concepts and Michigan-specific insurance statutes including the reformed no-fault PIP system — 74% to pass.
Michigan P&C — 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 Property & Casualty Insurance Exam
To get your Michigan Property & Casualty 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. $11 exam fee (lowest portfolio); no-fault auto with $250,000 unlimited medical PIP (or lower tiers available since 2020 reform); Michigan Catastrophic Claims Association (MCCA); Michigan Assigned Claims Plan; WC competitive; Director appointed; 10/20/10 minimum BI (unique among no-fault states).
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 Property & Casualty 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 Property & Casualty 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. $11 exam fee. No-fault auto with PIP tiers ($50K to unlimited). Michigan Catastrophic Claims Association (MCCA). 10/20/10 BI minimums. Michigan Assigned Claims Plan. WC competitive market.
Frequently Asked Questions — Michigan L, A&H Insurance Exam
How do I get a Michigan Property & Casualty insurance license?
To become a licensed Property & Casualty 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 Property & Casualty insurance licensing?
Michigan uses PSI Services LLC to administer the Property & Casualty insurance licensing exam. Fee: $11 per line (lowest in portfolio). Passing score: 70%. $11 exam fee (lowest portfolio); no-fault auto with $250,000 unlimited medical PIP (or lower tiers available since 2020 reform); Michigan Catastrophic Claims Association (MCCA); Michigan Assigned Claims Plan; WC competitive; Director appointed; 10/20/10 minimum BI (unique among no-fault states).
Does Michigan require pre-licensing for Property & Casualty insurance?
20 hours per line. For official pre-licensing provider information, visit michigan.gov/difs.
What are Michigan's CE requirements for Property & Casualty 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 Property & Casualty insurance licensing?
$11 exam fee (lowest portfolio); no-fault auto with $250,000 unlimited medical PIP (or lower tiers available since 2020 reform); Michigan Catastrophic Claims Association (MCCA); Michigan Assigned Claims Plan; WC competitive; Director appointed; 10/20/10 minimum BI (unique among no-fault states).
Practice Exam Questions — Michigan Property & Casualty
5 state-specific questions drawn from the Michigan exam content outline. Correct answer highlighted in green.
Michigan Workers' Compensation is:
- Monopolistic — all WC through the Michigan BWC state fund
- Competitive — employers purchase WC from licensed private carriers or self-insure; Workers' Disability Compensation Appeals Commission and DIFS regulate WC; private carriers write all WC policies
- Optional for employers with fewer than 5 employees
- Administered exclusively by DIFS
Michigan's no-fault PIP tiers since 2020 reform include:
- Only one mandatory tier: $250,000 unlimited
- Four tiers: $50,000, $250,000, $500,000, or unlimited; Medicare/Medicaid recipients may opt out; MCCA reinsures unlimited tier; 10/20/10 BI minimums
- Two tiers: $100,000 or unlimited only
- No PIP — Michigan reverted to a tort system
Michigan's exam fee of $11/line is significant because:
- It includes pre-licensing, exam, and first-year renewal
- It is the lowest exam fee in the portfolio — combined L&H: $22 (2×$11); compare: CT $105, AR $100 (2×$50), NV $47, OK $38
- It is a deposit refunded if the candidate passes
- It only covers the state section; general section costs additional $55
Michigan Catastrophic Claims Association (MCCA) is:
- A private reinsurer for Michigan homeowners risks
- A state-created reinsurance organization that reimburses Michigan auto insurers for no-fault PIP medical claims exceeding a statutory threshold; funded by annual per-vehicle assessments
- A federal NAIC affiliate for catastrophic losses
- A surplus lines pool for Michigan commercial auto
Michigan's primary P&C statute is:
- MCL Chapter 257 — Michigan Vehicle Code only
- MCL Chapter 500 — Michigan Insurance Code; DIFS administers at michigan.gov/difs; Director appointed; includes Michigan Assigned Claims Plan (Chapter 3172) and no-fault auto (Chapter 3100)
- MCL Chapter 600 — Revised Judicature Act
- MCL Chapter 418 — Workers' Disability Compensation Act only