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Michigan · State licensing

Pass the Michigan Life & Health insurance license exam.

Michigan's DIFS requires 20 hours per line and uses PSI for testing. The state application fee is the lowest of the top-10 launch states at $10.

Quick answer: The Michigan Life & Health insurance license exam is administered by PSI as a 150-question combined exam with a 180-minute limit, and you need 70% to pass. Michigan requires 40 hours of pre-licensing education before you can sit. The exam fee is $54 per attempt.

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Quick facts

Testing vendor
PSI
Passing score
70%
Pre-licensing hours
40h combined
Application fee
$10
Exam fee
$54 per attempt
Combined exam length
150 Q · 180 min

Source: www.michigan.gov. Confirm before you register. State schedules change.

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What's on the Michigan L&H exam.

The Michigan L&H exam is administered by PSI after you finish a state-approved 40-hour pre-licensing course. The combined exam runs 150 questions with a 180-minute time limit. Passing requires 70%.

Content roughly follows the NAIC L&H outline: general concepts, life products, annuities, federal tax treatment, health products, social insurance, ethics, and a state-specific law section. The state law portion is where most candidates lose points, it's the section a generic national bank cannot cover well.

What it costs to get licensed in Michigan.

Plan for roughly $104–$139 in mandatory Michigan state and vendor fees before any study materials, plus the cost of the required 40-hour pre-licensing course.

License application
$10
Exam fee
$54 per attempt
Fingerprinting / background check
~$40–$75
Pre-licensing education
40 hours required

A retake means paying the $54 exam fee again, so a first-time pass is the cheapest path. See the full cost breakdown by state and how hard the exam is.

Michigan exam FAQ.

Who regulates insurance licensing in Michigan?
The Michigan Department of Insurance and Financial Services (DIFS).
What's the Michigan passing score?
70%.
How long is a Michigan L&H license valid?
Two years. 24 CE hours per renewal period, including 3 hours of ethics.
Where do I take the Michigan L&H exam?
PSI test centers across Michigan, or online remote-proctored.

Licensing in other states too?

Each state has its own vendor, hours, and fee schedule.