Michigan Life & Health Insurance Continuing Education Courses (E-learning)

Michigan Life & Health Insurance Continuing Education

Michigan Department of Insurance and Financial Services approved online continuing education for life, accident and health producers. Approved provider ID# 0991, with completions reported to the state and no hidden fees.

Michigan CE Requirements

• Resident producers and solicitors: 24 hours per review period, including 3 hours of ethics. The remaining 21 hours may be taken in any line of authority.
• Carry-over: up to 12 excess hours apply to the following term, but ethics hours carry as general credit only.
• Repeats: a course counts once per two-year term. Retaking it earns no further credit.
• No requirement for limited life, crop-hail, travel and baggage, title, credit products, or limited lines property and casualty.

Your Review Date Is the First Day of Your Birth Month

Not the last day, as in most states — Michigan uses the first, in odd or even years according to your birth year. Your first review date is printed in the lower left-hand corner of your licence, and must allow at least 12 months; if it would fall sooner, it is pushed to the next review date two years later.

Licences are perpetual as long as CE is met by each review date, so there is no renewal application to file.

Miss It and Your Licence Is Suspended, Not Just Late

Fail to complete CE on time and your licence is suspended for 90 days or until you comply. During suspension you may continue servicing existing customers but cannot transact any new business. Miss the 90 days and the licence is terminated — reinstatement within a year means completing the CE, reapplying for licensure and paying the fees again.

In both cases every carrier you are appointed with is notified of your status.

Exams Must Be Proctored

Michigan requires an impartial proctor with no financial interest in your result to monitor every closed-book final exam. Pass mark is 70% with unlimited retakes. Arrange the proctor before you start rather than at the end.

Annuity and Long-Term Care

• Annuities: producers licensed on or after 29 June 2021 must complete a one-time 4-hour Best Interest training course before selling annuities. Those licensed earlier could satisfy it with either the 4-hour course or a one-hour top-up.
• Long-term care: a one-time 8-hour course before selling LTC, then 4 hours each subsequent term. Unlike Ohio, these hours do count toward your total CE for the period.

Non-Residents

Michigan is reciprocal with all other states. Comply with your home state's CE requirements and you automatically comply with Michigan's.

Available Michigan Life & Health CE Courses

• 24 Hour Life and Health Course with Ethics — full renewal, 21 hours content plus 3 hours ethics
• 3 Hour Ethics Review — all lines

Delivery Method

Online (E-learning), self-paced

Fees

Fees are set and charged in US dollars by the provider and include the state reporting fee. Prices shown are a guide, correct at the time of listing, and subject to change — take current pricing from the provider's website.

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AYPO offer online insurance continuing education to help licensed insurance agents satisfy their CE requirements nationwide and have state approved pre-license training available to help aspiring insurance agents start their new careers. Our innovative courses, customer service, and tech support are here for you, from start to finish. If you need approved continuing education, look no further. We have helped thousands of licensees attain and renew their insurance licenses, and At Your Pace Online will be there to help you every step of the way!

For accredited courses a certificate will be sent directly to you from the appropriate awarding body.

For short courses a completion certificate is available at the end of the course.

All you need to complete our e-learning courses is a computer, tablet or smartphone and an internet connection.

Connection quality is the responsibility of the delegate. If you need to download free video conferencing software please visit our video conferencing software page where you can download the software specified by the training provider.

After you purchase this course you will be contacted by AYPO.

Envico Limited is an independent intermediary working with AYPO in an affiliate program. Envico is not accredited by or associated with AYPO or any other examination body or institution in any way. All courses promoted on this website are delivered by independent and established accredited or approved training providers.