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For Insurance Agents

Michigan Life & Health Insurance Agent Exam: Fees, Registration & Licensing Steps

Official exam fees, registration links, fingerprinting, license types, and non-resident notes — all in one place.

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Become a licensed Life & Health insurance agent in

Michigan

Verified Nov 8, 2026 · Source: Candidate Information Bulletin, updated June 10, 2025

Testing vendor
PSI Services
Testing format
Not offered — licensing exams are in person at PSI test centers.
Before registering
Complete approved prelicensing education unless a state exemption applies; bring the required completion certificate or waiver.

Exam options & fees

  • Life Producer$41License application basis: $10 · Source
  • Accident and Health Producer$41License application basis: $10 · Source
  • Combined Life, Accident & Health Producer$41License application basis: $10 · Source
  • Life, Variable Life and Annuities Producer — combined (16-84)$41License application basis: $10 · Source
  • Variable Life & Annuities Producer (16-83)$41License application basis: $10 · Source
  • Credit Insurance Producer (16-78)$41License application basis: $10 · Source

License application amounts are not a new charge for every exam component. Separate examinations, combined examinations and discounted sessions are labeled above.

Other licensing costs

  • License application — standard Life / Health route$10Official source
  • NIPR transaction — only if applying through NIPR$5.60 per applicationOfficial source
  • Other vendor / processing chargesCheck the official page for any additional processing chargesOfficial source
  • Fingerprinting / backgroundFingerprinting costs are listed below. Some states collect them with your application; any included charge is not an additional fee.

Go directly to the official source

Register / schedule your examFind test centers / locationsCandidate handbook / official exam guideOfficial examination fee sourceState insurance licensing authorityResident license application requirements

Location and remote availability depend on examination eligibility, date and vendor rules.

Register for the Michigan insurance agent exam

  1. Complete approved prelicensing education unless a state exemption applies; bring the required completion certificate or waiver.
  2. Open the official testing program; create an account using the legal name on your identification.
  3. Choose the correct examination and permitted testing format, select an appointment, and pay the official examination fee.
  4. Keep the confirmation. Review the handbook’s exact name-match, photo ID, certificate, check-in, cancellation and retake requirements.

After passing

Follow the state licensing authority’s instructions to complete your license application after passing.

Source differences & fee cautions

  • Older transaction fee and Limited Life exam requirements · Confirm with the stateUse $41 for explicitly listed PSI exams, transaction $5.60. Flag exact Limited Life examination selection/fee until DOI confirms it.

Fingerprinting & background checks

Requirement
Not listed as required in reviewed official instructions; confirm with the state
State instructions
Resident producer instructions require electronic application, education and exam; no routine fingerprints specified.
Vendor / contact
Michigan DIFS
Separate cost
See official page — amount not confirmed
Confirm with the state. The official resident-producer checklist lists no routine fingerprint step, but does not grant a blanket exemption. Confirm with the state if your background or circumstances require additional review.

When to fingerprint, fee details & official sources

When in the process
No routine fingerprint timing stated; answer all application background questions and follow individual DOI requests.
Fee / route notes
Not applicable to a routine fingerprint requirement; no separate fingerprint fee verified. This does not waive criminal-history disclosures or possible additional investigation.

Additional life-related, restricted & specialty license types (3)

These are not shortcuts to unrestricted Life & Health authority. Appointment, securities, employer, tenure and exemption conditions can apply.

Non-resident licensing summary

Already licensed in another state? Qualifying matching Life / A&H authority usually does not require a new target-state exam. Home-state-dependent fees, fingerprint exemptions and other conditions differ from the resident path. Confirm your final eligibility and payment total on the official application.

Non-resident state fees

Life-only state application
$10
A&H-only state application
$10
Life + A&H in the same application
$10
NIPR transaction — separate, only for NIPR applications
$5.60 general initial-application transaction fee; confirm the final charge for your selected state and application with NIPR before paying.

Michigan’s state application fee is $10. NIPR separately lists a $5.60 transaction fee; the Department’s older reference is $6.18.

Fingerprinting & background

Requirement
Not required on the qualifying reciprocal pathway — see official scope and exceptions
State instructions
No routine additional fingerprint submission on the qualifying reciprocal pathway. MCL §500.1204e(1) expressly waives requirements except §500.1206a for valid reciprocal home-state licensees. The enumerated nonresident conditions impose no routine fingerprint submission. This conclusion rests on the EXPRESS waiver, not merely silence in a checklist. Separate disciplinary/1033 consent review is outside this ordinary pathway.

Continuing education and other notes

No Michigan CE verification before nonresident renewal; home-state compliance applies. Michigan uses PDB in lieu of original certification letter. Michigan nonresident producer license is maintained without ordinary biennial producer renewal; keep home-state residency/license and contact information current.

Non-resident license types

  • Insurance Producer

    Lines
    Life
    Fee
    $10

  • Insurance Producer

    Lines
    Accident & Health (Health/Sickness)
    Fee
    $10

  • Insurance Producer

    Lines
    Life, Accident & Health (Health/Sickness)
    Fee
    $10

    Both authorities on one application, not necessarily a distinct combined license class.

General non-resident rules

  • Resident license information available on PDBPDB accepted in lieu of original certification letter.
  • Valid active resident home-state producer license in good standing; reciprocal home-state licensingMCL §500.1204e(1) expressly waives requirements except §500.1206a for valid reciprocal home-state licensees. Ordinary reciprocal licensing requires no additional target-state exam; maintain the matching home-state authority.

Source differences

  • NIPR transaction chargeThe $10 Michigan state fee and $5.60 NIPR transaction fee are separate charges.

Official non-resident application links

NIPR online licensingNIPR target-state requirements and fees

Explore the interactive non-resident path for Michigan