How long does it take to get a life insurance license in Michigan?

Plan on 1 to 4 weeks. Most candidates finish the 20-hour pre-licensing course in 1 to 2 weeks studying part-time, then schedule the PSI Services LLC exam. Including fingerprinting and Michigan DOI application processing, total time from start to license issuance is typically 3 to 6 weeks.

How much does a Michigan life insurance license cost?

Budget about $200 all-in: pre-licensing or exam-prep course (~$100), the $41 state exam fee, the $10 Michigan license application fee, and roughly $50 for fingerprinting/background check. The Price Group reimburses qualifying course costs after your first sale.

Do I need to be a Michigan resident to get a Michigan life insurance license?

No. Michigan issues non-resident licenses to agents already licensed in good standing in their home state. The non-resident application is filed through NIPR with no additional Michigan pre-licensing required.

Which Michigan license should I get for selling final expense and term life?

The Michigan Life Producer (Life-Only) license is the minimum required to sell life insurance, including final expense and term/whole life. If you also want to sell Medicare Supplement or under-65 health, you can either take a combined Life & Health course up front or add the Health line later. TPG agents typically start Life-Only and add Health when they are ready.

How to Get Your Life Insurance License in Michigan

20 hours of pre-licensing, PSI Services LLC exam, about $310 all-in. Here is the exact path.

Verified against the Michigan Department of Insurance and Financial Services on May 13, 2026.

Free Michigan Licensing Roadmap

A printable step-by-step PDF covering pre-licensing, fingerprinting, the PSI Services LLC exam, and what to do the week your license arrives.

20 hrs

Pre-licensing hours

72%

Passing score

~$310

Total cost estimate

Typical timeline: 2 to 4 weeks

Path options: Life: 20 hours Health: 20 hours Life + Health: 40 hours

Already licensed in Michigan?

Skip the licensing details. See how Michigan agents are building remote insurance businesses with The Price Group.

How to sell insurance from home in Michigan

5 Steps to Get Licensed in Michigan

Follow this exact sequence to go from zero to fully appointed agent.

1
Complete pre-licensing education
Finish your state-approved pre-licensing course online. Most students complete it in under a week with focused study.
Start the JustInsurance Course
2
Schedule your Michigan state exam
Register through PSI Services LLC, the testing partner for the Michigan Department of Insurance and Financial Services. Pick a testing center near you or, in most states, a remote-proctored slot.
Schedule with PSI Services LLC Visit Michigan Department of Insurance and Financial Services
3
Pass the Michigan life insurance exam
Show up early, bring two valid IDs, and use the JustInsurance practice tests beforehand. Most students who follow the study plan pass on the first attempt.
Retake policy: Retake policy: a 24-hour waiting period.
4
Submit your license application
After passing, file your application through NIPR or your state's online portal. Background check and fingerprinting are usually required.
Fingerprinting: Fingerprint requirement varies; check with the state DOI before applying.
5
Get appointed with carriers
A license alone does not let you sell. You need carrier appointments. The Price Group handles contracting with 20+ A-rated carriers so you can start writing business right away.

Want this written out as a printable checklist?

Michigan Licensing Cost Breakdown

Everything you can expect to pay to get fully licensed in Michigan.

Item	Cost
Pre-licensing course (JustInsurance)	$39
Michigan state exam fee	$41
License application fee	$10
Background check / fingerprinting	$50
Estimated total	~$310

Costs are estimates based on the most current published fees and may change. Verify with your state's Department of Insurance before paying.

License term

2 years

CE hours per renewal

24 hrs (3 ethics)

Official CE rules

Reciprocity

Reciprocal licensing is available for producers licensed in good standing in their home state. No exam or pre-licensing education is required.

Michigan Licensing FAQ

Quick answers to the most common questions about getting licensed in Michigan.

Why agents choose The Price Group

Once you are licensed, the next decision is who you go to market with. The Price Group is built for life insurance agents who want a real system, not an MLM.