Free Michigan Health Insurance Practice Exam Online

Correct answer: A. 20 hours

Correct. Michigan requires 20 hours of prelicensing education for each major line of authority, including accident and health, under MCL 500.1204c.

• B: Incorrect. 40 hours applies to an applicant pursuing both the life line and the accident and health line together (20 hours each), not the health line alone.
• C: Incorrect. 52 hours is not a Michigan prelicensing figure for any single line.
• D: Incorrect. Michigan requires 20 hours per major line, not 10.

Correct answer: A. Every 2 years, 24 hours

Correct. MCL 500.1204c requires 24 hours of continuing education, approved by the DIFS director, within each applicable 2-year period.

• B: Incorrect. Michigan does not use a 3-year CE cycle.
• C: Incorrect. 40 hours is not the Michigan renewal requirement; 24 hours is correct for a 2-year cycle.
• D: Incorrect. Michigan's CE cycle is 2 years, not 1, and the hour total is wrong.

Correct answer: B. 3 hours; ethics hours may NOT be carried over to the next 2-year period

Correct. Michigan requires 3 of the 24 CE hours to be ethics coursework, and unlike excess general CE hours (up to 12 of which may carry to the next period), ethics hours must be completed fresh each 2-year period and do not carry over.

• A: Incorrect. The 3-hour figure is right, but ethics hours specifically cannot carry over under Michigan's rule.
• C: Incorrect. The ethics requirement is 3 hours, not 6, and ethics hours do not carry over.
• D: Incorrect. Michigan does require a dedicated ethics CE component.

Correct answer: D. 12 hours maximum, but ethics hours are excluded from the carryover

Correct. Michigan caps carryover of excess CE hours at 12 hours applied to the next applicable 2-year period, and ethics hours specifically may never be carried over — only non-ethics excess hours (here, 3) count toward that cap.

• A: Incorrect. Michigan does allow limited carryover of excess non-ethics CE hours.
• B: Incorrect. The cap on carryover is higher than 3 hours (up to 12), though this producer only has 3 non-ethics excess hours to carry in this scenario.
• C: Incorrect. Not all excess hours carry over — the ethics hours are excluded, and there is a 12-hour cap regardless.

Correct answer: A. Department of Insurance and Financial Services (DIFS)

Correct. The Michigan Department of Insurance and Financial Services (DIFS) administers and enforces the Michigan Insurance Code of 1956, MCL 500.1 et seq., including producer licensing and health insurer oversight.

• B: Incorrect. OFIR was DIFS's predecessor name (used roughly 2008-2013) before the agency was reorganized and renamed DIFS.
• C: Incorrect. MDHHS handles public health and human services programs, not insurance producer licensing or market regulation.
• D: Incorrect. LARA is Michigan's broader licensing department, but insurance regulation itself is housed in DIFS, a distinct agency created in 2013.