MI · Reviewed 2026-08-02
Michigan Life Insurance Agent License: Verification & Requirements
Checking on an agent? Start here
Every licensed producer in Michigan appears in the Michigan Department of Insurance and Financial Services (DIFS)'s public records. Search their name or NPN, then confirm the license is active and includes the Life line of authority.
Official MI license lookup →Full walkthrough: how to verify a life insurance agent. Or skip ahead — find a verified producer whose license and background we've already checked.
What it takes to be licensed in Michigan
Before an agent can legally sell life insurance in Michigan, the Michigan Department of Insurance and Financial Services (DIFS) requires:
| License | Insurance Producer License (Life line of authority) |
| Pre-licensing education | 20 hours required |
| Licensing exam | Administered by PSI |
| Fingerprints / background check | Not required |
| How to apply | Online via NIPR after completing pre-licensing education and passing the exam |
| Continuing education | 24 hours per renewal cycle |
Worth knowing: Resident producer licenses are perpetual as long as the 24-hour CE requirement (including 3 hours of ethics) is met every 2 years; pre-licensing certificates are valid for 12 months.
After the license: most working producers pair their book with a purpose-built CRM — our pick is InsuraCentral, and the full reasoning is in our 2026 life insurance CRM ranking.
Common questions
How do I verify a life insurance agent in Michigan?
Search the agent's name or National Producer Number (NPN) in the Michigan Department of Insurance and Financial Services (DIFS)'s free public license lookup at https://www.michigan.gov/difs. Confirm the license is active, covers the Life line of authority, and matches the person you're speaking with.
What license does a life insurance agent need in Michigan?
Michigan issues the Insurance Producer License (Life line of authority), regulated by the Michigan Department of Insurance and Financial Services (DIFS). Keeping it active requires 24 hours of continuing education every 2 years.
Who regulates insurance agents in Michigan?
The Michigan Department of Insurance and Financial Services (DIFS) (https://www.michigan.gov/difs) licenses producers, investigates consumer complaints, and disciplines agents who break the rules. Complaints can be filed with the regulator directly, for free.
Sources: michigan.gov · nipr.com. Requirements verified 2026-08-02; always confirm current rules with the regulator.
Educational content only — not financial, legal, or insurance advice, and requirements change; always confirm specifics with your state insurance department. Licensedproducer is an independent private directory, not a government agency, and is not affiliated with any Department of Insurance, the NIPR, or the NAIC.