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Life Insurance Producer (Michigan)

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

Life Insurance Producer (Michigan): a 184-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 (71%) and MCL (15%) of this exam's citations.

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3
full papers, no repeats
50
questions per paper
184
questions in the bank
What this exam covers
5 real sample questions
After an insurer notifies the Michigan commissioner of a for-cause producer termination, within how many days must it mail a copy of that notification to the producer's last known address?
A. 5 days
B. 30 days
C. 45 days
D. 15 days
Source: MCL 500.1208b
Under Michigan's Insurance Code, how many hours of prelicensing education must a resident applicant complete for a single line of authority, such as life insurance?
A. 20 hours, consisting of 14 hours of line-specific content and 6 hours of ethics and Michigan law
B. 40 hours, consisting of 30 hours of line-specific content and 10 hours of ethics
C. No prelicensing education is required; only the state exam must be passed
D. 12 hours, matching the biennial continuing education requirement
Source: MCL 500.1204c (Michigan Insurance Code of 1956)
How many hours of continuing education must a Michigan resident life insurance producer complete during each 2-year license term?
A. 24 hours total, including at least 3 hours of ethics
B. 20 hours total, including at least 6 hours of ethics
C. 12 hours total, with no ethics requirement
D. 30 hours total, including at least 5 hours of Michigan law
Source: MCL 500.1206
Under Michigan's continuing education rules, how many excess CE hours from one license term may a producer carry over as general credit toward the next term?
A. Up to 12 hours
B. All excess hours, with no cap
C. Up to 3 hours (ethics hours only)
D. Excess hours may never be carried over
Source: MCL 500.1206
A Michigan resident producer license renews on what cycle?
A. Annually on a fixed calendar date set by DIFS
B. Every 4 years, tied to the initial issue date
C. Michigan producer licenses do not expire or require renewal
D. Every 2 years, tied to the licensee's birth month
Source: MCL 500.1205; DIFS resident producer renewal rules
Same exam, other states
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Real-world data for this exam
Insurance Sales Agents: real median wage (MI)May 2025$61,900/yr

Frequently asked questions

How many questions are on the CertQuestUSA Life Insurance Producer (Michigan) practice test?
184 questions total, split into 3 full papers of 50 each with no repeats across papers.
What topics does the Life Insurance Producer (Michigan) test cover?
13 domains, with the heaviest weight on Policy Provisions, Riders, Options, and Exclusions (16%), Types of Life Policies (16%), and Applications, Underwriting, Policy Delivery, and Field Responsibilities (14%).
Where do CertQuestUSA's Life Insurance Producer (Michigan) questions come from?
Primarily content.naic.org (71%) and MCL (15%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.
Is there a free diagnostic for Life Insurance Producer (Michigan)?
Yes -- 10 real questions across the exam's domains, no sign-up required, with a domain-by-domain breakdown at the end.
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