Health Insurance Producer (Michigan)

First published: September 2, 2026Last verified: September 2, 2026Reviewed by the CertQuestUSA team

TL;DR

Health Insurance Producer (Michigan): a 150-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 50 questions each with no repeats, every question citing the real regulation it comes from.

Where these questions come from

Every question in this bank cites a real source -- primarily content.naic.org (61%) and healthcare.gov (18%) of this exam's citations.

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3

full papers, no repeats

50

questions per paper

150

questions in the bank

What this exam covers

Applications, Underwriting, Ethics, and Producer Responsibilities7%
Disability Income and Related Coverages13%
External Review4%
Government Programs, LTC, Tax, and Consumer Accounts13%
Guaranty Association3%
Health Insurance Basics and Policy Types17%
Licensing Education4%
Licensing General1%
Marketplace1%
Medical Expense, Managed Care, and Cost-Sharing17%
Medigap3%
Policy Provisions, Renewability, Riders, and Exclusions17%
Regulatory Authority1%

5 real sample questions

Under the Michigan Insurance Code, an applicant for an accident and health producer license must complete how many hours of prelicensing education?

A. 20 hours

B. 40 hours

C. 52 hours

D. 10 hours

Source: MCL 500.1204c

A Michigan resident producer license holder must complete continuing education every renewal period. How often does that period recur, and how many total hours are required?

A. Every 2 years, 24 hours

B. Every 3 years, 30 hours

C. Every 2 years, 40 hours

D. Every 1 year, 12 hours

Source: MCL 500.1204c

Of the 24 continuing education hours a Michigan producer must complete every 2-year period, how many hours must specifically be in ethics coursework, and can those hours carry over to the next period?

A. 3 hours; ethics hours may carry over like other CE hours

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

C. 6 hours; ethics hours may carry over

D. There is no separate ethics requirement in Michigan

Source: MCL 500.1204c

A Michigan producer completes 30 hours of continuing education in a given 2-year period, 3 of which were ethics hours. How many excess hours, at most, may be applied toward the next 2-year period?

A. 0 hours

B. 3 hours

C. 6 hours (all excess hours)

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

Source: MCL 500.1204c

Which state agency regulates insurance producers and health insurers in Michigan?

A. Department of Insurance and Financial Services (DIFS)

B. Office of Financial and Insurance Regulation (OFIR)

C. Michigan Health and Human Services (MDHHS)

D. Department of Licensing and Regulatory Affairs (LARA) Insurance Bureau

Source: Michigan Insurance Code of 1956, MCL 500.1 et seq.

Same exam, other states

AL AR AZ CA CO CT DC FL GA HI IA ID IL IN KS KY LA MA MD ME MN MO MS NC NE NH NJ NM NV NY OH OK OR PA SC TN TX UT VA WA WI WV

Real-world data for this exam

Insurance Sales Agents: real median wage (MI)May 2025$61,900/yr

Frequently asked questions

What is the Health Insurance Producer (Michigan) practice bank on CertQuestUSA?

The Health Insurance Producer (Michigan) practice bank is a 150-question study tool containing 3 full papers of 50 questions each with no repeats, and every question cites the real regulation it comes from.

What topics are covered on the Michigan Health Insurance Producer exam?

The exam covers 14 topic areas, with the heaviest weight on Health Insurance Basics and Policy Types (17%), Medical Expense, Managed Care, and Cost-Sharing (17%), and Policy Provisions, Renewability, Riders, and Exclusions (17%). Other significant areas include Disability Income and Related Coverages (13%) and Government Programs, LTC, Tax, and Consumer Accounts (13%).

How many hours of prelicensing education are required for a Michigan accident and health producer license?

Under the Michigan Insurance Code (MCL 500.1204c), an applicant for an accident and health producer license must complete 40 hours of prelicensing education.