A Michigan producer has held his resident individual producer license for 20 years without ever filing a renewal, and he has completed every continuing education cycle with no disciplinary history. A colleague warns him that his license must have expired years ago. Which statement is correct?

Why B is correct

Under the Michigan Insurance Code, M.C.L. 500.1206(2) provides that a resident individual producer license remains in effect unless suspended or revoked, and Michigan sets no fixed license term or renewal date — 20 years without a renewal filing does not expire the license. The condition that matters is the continuing education obligation under M.C.L. 500.1204c, which he has satisfied every cycle, so his license is in good standing and DIFS records show no expiration date to miss.

Why the other options are wrong

• A) Michigan does not lapse a resident individual producer license for failure to renew; with no fixed term under M.C.L. 500.1206(2), there is no renewal deadline to miss, and no reapply-and-retest is triggered by the passage of years alone.
• C) The $10.00 figure under M.C.L. 500.240 is the one-time license application fee, not an annual renewal charge; Michigan charges no yearly renewal fee that keeps a resident individual producer license alive.
• D) The 180-day limit is the maximum duration of a temporary license under M.C.L. 500.1211b; a regular producer license is never converted into or renewed as a temporary license.

Memory hook

Twenty years, zero renewals, still licensed — Michigan licenses die only by suspension, revocation, or skipped CE.