Free Michigan Property and Casualty Practice Exam Online

Correct answer: A. 40 hours

Correct. Michigan requires 20 hours per line of authority (14 hours of subject-specific content plus 6 hours of ethics and Michigan insurance law), so a combined property and casualty license requires 40 total hours.

• B: Incorrect. 20 hours is the requirement for a single line only (property alone or casualty alone), not a combined property and casualty license.
• C: Incorrect. 24 hours is Michigan's continuing education requirement per renewal cycle, not the pre-licensing hour count.
• D: Incorrect. This overstates the requirement; Michigan does not require 52 pre-licensing hours for P&C.

Correct answer: B. 24 hours total, with at least 3 hours in ethics

Correct. Michigan requires 24 hours of continuing education per 2-year renewal cycle, and not less than 3 of those hours must be in ethics.

• A: Incorrect. 20 hours with 1 ethics hour is not Michigan's CE standard.
• C: Incorrect. 40 hours matches the pre-licensing (not CE) hour count for a dual P&C license, and 6 hours is the pre-licensing ethics/law component, not the CE ethics minimum.
• D: Incorrect. Michigan does require an ethics component as part of CE; this option is wrong on both counts.

Correct answer: C. 90 days

Correct. MCL 500.1204c provides a 90-day grace period after license expiration to complete continuing education requirements before the license is cancelled.

• A: Incorrect. Michigan's grace period is longer than 30 days.
• B: Incorrect. Michigan's grace period is longer than 60 days.
• D: Incorrect. Michigan's grace period is shorter than 180 days.

Correct answer: D. The first day of the licensee's birth month, every two years

Correct. Michigan producer licenses renew biennially, with the renewal date falling on the first day of the licensee's birth month (odd-birth-year licensees renew in odd years, even in even years).

• A: Incorrect. Michigan does not use an annual issue-date anniversary system.
• B: Incorrect. Michigan's cycle is two years, not four, and is not tied to the exam date.
• C: Incorrect. There is no single fixed statewide renewal date in Michigan, and the cycle is not three years.

Correct answer: A. Michigan does not require fingerprint-based background checks for standard resident producer licensing; DIFS reviews application disclosures and available records instead

Correct. Michigan's DIFS conducts its background review by analyzing application disclosures and available records rather than requiring fingerprint-based background checks for standard resident producer applicants.

• B: Incorrect. Unlike states such as Louisiana, South Carolina, or Texas, Michigan does not require fingerprint submission through a vendor for standard resident licensing.
• C: Incorrect. Michigan does not use a mailed fingerprint card process for standard licensing.
• D: Incorrect. Michigan does not split a fingerprinting requirement by line of authority; it simply does not require fingerprinting for standard resident licensing.