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Life & Health Insurance Producer (Michigan)

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

Life & Health Insurance Producer (Michigan): a 175-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 (57%) and healthcare.gov (14%) of this exam's citations.

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3
full papers, no repeats
50
questions per paper
175
questions in the bank
What this exam covers
5 real sample questions
Under MCL 500.1208a, within how many days after an appointing insurer executes an agency contract with a Michigan producer, or after the producer submits the first insurance application, must the insurer file a notice of appointment with the Director of DIFS?
A. 15 days
B. 30 days
C. 45 days
D. 60 days
Source: MCL 500.1208a
After DIFS receives an insurer's notice of appointment for a Michigan producer, within approximately how many days must the Director verify that the producer is eligible for the appointment?
A. 15 days
B. 30 days
C. 45 days
D. 10 days
Source: MCL 500.1208a
A Michigan insurance agency wants to obtain a business entity producer license authorizing it to transact both life and accident and health business. Under MCL 500.1208, what must the entity do as a condition of licensure?
A. Maintain a $50,000 surety bond specific to combined-authority agencies
B. File audited financial statements annually with DIFS
C. Designate an individual licensed producer responsible for the business entity's compliance with the Michigan Insurance Code
D. Employ at least one producer separately licensed in property and casualty lines
Source: MCL 500.1208
A Michigan producer holds a combined license covering both the life line and the accident and health line of authority. Before this producer may act as a given insurer's agent for either line, what must occur?
A. The producer must complete 24 hours of continuing education
B. The producer must pay the biennial license renewal fee
C. The producer's business entity license must be separately renewed
D. The producer must become appointed by that insurer for the applicable line(s) of authority under MCL 500.1208a
Source: MCL 500.1208a
A Michigan producer licensed for both the life line and the accident and health line receives an appointment from Insurer X to sell only Insurer X's annuity products. Does this single appointment also authorize the producer to sell Insurer X's disability income policies?
A. No, because appointment in Michigan is tied to the specific line(s) of authority for which the insurer files the notice of appointment, not to every line the producer's license covers
B. Yes, because a combined life and health license automatically extends any single appointment to every line the producer holds
C. Yes, because Michigan appointments are company-wide once filed for any product
D. No, because combined license holders must obtain a separate business entity license before any appointment is valid
Source: MCL 500.1206; MCL 500.1208a
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 & Health Insurance Producer (Michigan) practice test?
175 questions total, split into 3 full papers of 50 each with no repeats across papers.
What topics does the Life & Health Insurance Producer (Michigan) test cover?
12 domains, with the heaviest weight on Annuities, Tax, Retirement, Government Programs, and Consumer Accounts (14%), Applications, Underwriting, Delivery, and Field Responsibilities (14%), and Ethics, Suitability, Advertising, and General Regulation (14%).
Where do CertQuestUSA's Life & Health Insurance Producer (Michigan) questions come from?
Primarily content.naic.org (57%) and healthcare.gov (14%) 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 & Health 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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