Michigan Life & Health Insurance License Exam Guide (2026)
Michigan’s exams are delivered by PSI, with a 51.4% first-attempt pass rate (2024) — one of the lower rates among the states in this guide. Since June 10, 2025, Michigan exams are available only at physical PSI test centers; remote online proctoring has been discontinued.
Remote proctoring discontinued June 10, 2025 — PSI test centers only.
At a glance
Verified against official sources as of 2026-09-02. Question formats and fees change — always confirm details in the current official candidate handbook (linked below) before scheduling.
Exam format, question counts and fees
| Exam | Scored | Unscored (pretest) | Time limit | Passing score | Fee |
|---|---|---|---|---|---|
| Life Insurance (Life-Only) | 100 | 1–10 unscored | 120 min | 72% | $41 |
| Accident & Health | 100 | 1–10 unscored | 120 min | 76% | $41 |
| Life, Accident & Health (Combined) | 150 | 1–10 unscored | 150 min | 75% | $41 |
Unscored pretest questions are mixed in with scored questions and are not identified. Where a state reports a scaled score, the passing value is not a percentage of questions answered correctly.
What the official 2024 pass-rate data says
In 2024, the first-attempt pass rate for Michigan insurance exams (all lines) was 51.4%.
Nationwide, the overall first-attempt pass rate for state insurance licensing exams was 59.4% in 2024 (all lines).
Pre-licensing education in Michigan
Michigan requires 20 hours of approved pre-licensing education per line — 20 for Life, 20 for Accident & Health, 40 if you pursue the combined credential (MCL 500.1204(2)). Classroom or self-study formats are both accepted, and course certificates are valid for 12 months.
If you fail: retake rules
There is no waiting period beyond scheduling logistics — a failed candidate can book the next available seat (typically the third day). Attempts are unlimited.
Total cost to get licensed
- Exam fee: $41 per attempt (PSI)
- License application: $10 + NIPR transaction fee
- No separate fingerprint fee for resident applications
Outdated numbers to watch out for
Some prep sites say: “Unscored pretest questions don’t count against your time”
The current PSI Michigan CIB (2025) states the opposite: experimental items do count against examination time, even though they are not scored.
Every figure on this page is drawn from the current official candidate handbook, content outline or state statute, with sources listed at the bottom. If a prep site disagrees with the official document, the official document wins.
Practice the national core — free
Roughly 70–80% of every state’s L&H exam is national content: policy types, contract law, annuities, tax treatment, Medicare, PPACA, LTC. Our national core question bank covers exactly that layer — 2,180 questions, every one free with a 3-part explanation, no account required. Michigan state-specific drills ship as we build each state’s question bank.
Try a national-core question right now
Free forever — click a question, answer it, and read the full 3-part explanation.
- In an individual life insurance policy, the person whose life is insured and whose death triggers…Answer free →Life Insurance·Difficulty 1/5·National content
- A point-of-service (POS) plan combines features of an HMO and a PPO. Which statement correctly de…Answer free →Medical Expense·Difficulty 2/5·National content
- A client is deciding how to handle the financial risk that her premature death could leave her fa…Answer free →Life Insurance·Difficulty 1/5·National content
National-core practice domains
The nationally reusable layer of the Michigan exam — organized by official content domain.
Frequently asked questions
How many questions are on the Michigan life and health insurance exam?
Scored question counts by exam: Life Insurance (Life-Only) — 100 scored questions (plus 1–10 unscored); Accident & Health — 100 scored questions (plus 1–10 unscored); Life, Accident & Health (Combined) — 150 scored questions (plus 1–10 unscored). Unscored pretest questions may be mixed in and are not identified.
How long is the Michigan insurance licensing exam?
Time limits by exam: Life Insurance (Life-Only) — 120 minutes; Accident & Health — 120 minutes; Life, Accident & Health (Combined) — 150 minutes.
What score do you need to pass the Michigan exam?
Passing scores by exam: Life Insurance (Life-Only) — 72%; Accident & Health — 76%; Life, Accident & Health (Combined) — 75%. The figures come from the current official candidate handbook.
How much does the Michigan insurance exam cost?
Current exam fees: Life Insurance (Life-Only) — $41; Accident & Health — $41; Life, Accident & Health (Combined) — $41. Fees are paid at registration and are generally non-refundable.
Does Michigan require pre-licensing education for a life & health license?
Yes — 20h per line (40h combined). See the pre-licensing education section above for the current statutory requirement.
What happens if I fail the Michigan insurance exam?
There is no waiting period beyond scheduling logistics — a failed candidate can book the next available seat (typically the third day). See the retake section above for the full policy.
The optional $49 Exam Engine (one-time) adds unlimited randomized practice, full exam simulations, timed quizzes and a wrong-answer book around the national core plus California state law — other states’ drills ship as their banks are built.
Official sources for this page
- https://test-takers.psiexams.com/api/content/bulletin/3560
- https://proctor2.psionline.com/media/programs/MIINS/MIINSCONTENTOUTLINESxx.pdf
- https://www.michigan.gov/difs/0,5269,7-303-13648_60666_80784---,00.html
- https://www.michigan.gov/en/difs/industry/licensing-ins/agnt-ins/general-info/how-to-become-licensed-as-a-resident-producer
This page is maintained by PassSprint. Data current as of 2026-09-02; report discrepancies to us and we will re-verify against the official document.
L&H exam guides by state
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