MICHIGAN Resident Licensing for Individuals

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State Announcements

Posted 2/21/2017

Michigan applicants who are attempting to reinstate a license with inactive lines of authority should contact the NIPR Help Desk directly for assistance at 1-855-674-6477 or via email to customerservice@nipr.com.

Primary Rules (Individual)

Response Question
Yes Accepts initial license for individuals electronically.
Yes Accepts major lines of authority.
Yes Accepts limited lines of authority.
Yes Accepts surplus lines for individuals.
Yes Applicant can add lines of authority (amend) to an existing active license.
Yes Applicant can reinstate/reapply through NIPR's Resident License (RL) Application.
No License printing available electronically.

License Printing

Michigan does not offer license printing services electronically. To document licensure, companies should make a screen print of the producer's license status from the DIFS Insurance License Locator or from NIPR'S Producer Database (PDB).

Business Rules (Individual)

Applicant must be at least eighteen (18) years old or older as determined from the applicant's date of birth.

Individual's license number is the National Producer Number (NPN).

Applicant moving from another state to Michigan may apply for a resident license if they surrender previous state license within 90 days.

Applicants who are currently employed by, own stock in, are an officer or director of, or are in any other manner connected with a funeral establishment, mortuary, or cemetery cannot hold an insurance license in Michigan except the limited life license.

Non-citizens of the U.S. must have a resident license for selling insurance in one of the fifty (50) U.S. states.

Applicants are allowed to use P.O. Boxes for mailing addresses. A physical address is required in the residence or home address only.

Applicants for the variable line of authority (LOA) must supply FINRA CRD number on application.

Applicants applying for variable Annuities must hold active resident life license on Producer Database (PDB) to be eligible for variable contracts (cannot apply for both at the same time).

Applicants for a surplus lines license must hold an active resident license for property & casualty prior to applying for surplus lines.

Resident Insurance Adjuster applicants applying for workers' compensation LOA must actively hold or apply for fire & other hazards simultaneously.

Resident Producer applicants that apply for or currently holds active Property and Casualty LOAs may not apply for Personal Lines license in Michigan.

If applicant responds "yes" to one of the background questions please submit supporting documents electronically via NIPR's Attachments Warehouse. The documents are stated as follows and may be submitted to the state via mail, email, or fax:

  • A written statement explaining the circumstances.
  • A certified copy of the official document which demonstrates the resolution of the charges or any final judgment.

Prior to filing an application applicant's with conviction histories are strongly encouraged to review Chapter 12 of the Michigan Insurance Code and the Guiding Principles found Michigan's state website for complete information on license eligibility.


State Offerings (Individual)

Please note that license class names can vary by state.

License Class Line of Authority (LOA)
Resident Producer Life
Resident Producer Accidents & Health
Resident Producer Property
Resident Producer Casualty
Resident Producer Variable Annuities
Resident Producer Personal Lines
Resident Producer Credit Products
Resident Producer Surety & Fidelity
Resident Producer Travel
Resident Producer Crop
Resident Producer Title
Resident Producer Limited Lines Property & Casualty
Resident Producer Limited Life
Surplus Lines None
Solicitor Property
Solicitor Casualty
Solicitor Personal Lines
Solicitor Surety & Fidelity
Solicitor Travel
Solicitor Crop
Solicitor Title
Solicitor Limited Lines Property & Casualty
Resident Counselor Life
Resident Counselor Multiple Lines Property & Casualty
Resident Counselor Accident & Health
Resident Adjuster for Insured Fire & Other Hazards
Resident Insurance Adjuster Fire & Other Hazards
Resident Insurance Adjuster Workers' Compensation
Resident Insurance Adjuster Crop

License Fees (Individual)

Fees shown are state fees only. These fees do not include NIPR transaction fees.

License Class / LOA Combination License Fee * Amendment Fee * Reinstatement Fee
Resident Producer / All LOAs $10.00 $10.00
$10.00 (total reinstatement fee)
Surplus Lines / None $110.00 N/A $110.00 (total reinstatement fee)
Solicitor / All LOAs $20.00 $20.00 $20.00 (total reinstatement fee)
Resident Counselor / All LOAs $20.00 $20.00 $20.00 (total reinstatement fee)
Resident Adjuster for Insured / Fire & Other Hazards $15.00 $15.00 $15.00 (total reinstatement fee)
Resident Insurance Adjuster / All LOAs $15.00 $15.00 $15.00 (total reinstatement fee)

* Per application.
* Amendment Fee may Include 1 or more LOAs

Contacts

Last Update: 12/22/2016

MICHIGAN Resident Licensing for Business Entities

APPLY HERE

State Announcements

Posted 2/21/2017

Michigan applicants who are attempting to reinstate a license with inactive lines of authority should contact the NIPR Help Desk directly for assistance at 1-855-674-6477 or via email to customerservice@nipr.com.

Primary Rules (Business Entity)

Response Question
Yes Accepts initial license for business entities electronically.
Yes Accepts major lines of authority.
Yes Accepts limited lines of authority.
Yes Accepts surplus lines for business entities.
Yes Applicant can add lines of authority (amend) to an existing active license.
Yes Applicant can reinstate/reapply through NIPR's Resident License (RL) Application.
No License printing available electronically.

License Printing

Michigan does not offer license printing services electronically. To document licensure, companies should make a screen print of the producer's license status from the DIFS Insurance License Locator or from NIPR'S Producer Database (PDB).

Business Rules (Business Entity)

Business entity's license number is state specific ID.
Applicant must be one of the following legal business types:

  • Corporation
  • Partnership
  • Limited Liability Company LLC
  • Limited Liability Partnership LLP
  • Sole Proprietor

Sole Proprietorship and Partnership applicants must submit registration paperwork prior to application approval.

Sole Proprietorship must submit county registered paperwork.  All other business types must be registered with Corporations Division. 

Applicants applying as a Limited Liability Company must identify on application all of the owners with 10% interest or more, partners, officers and directors.

Applicant moving from another state to Michigan may apply for a resident license if they surrender previous state license within 90 days.

Applicants for the variable line of authority (LOA) must supply FINRA CRD number on application.

Applicants applying for Surplus Lines must have a Producer that is licensed in Michigan for Surplus Lines and property and casualty prior to applying for surplus lines license.

Resident Producer applicants that apply for or currently holds active Property and Casualty LOAs may not apply for Personal Lines license in Michigan.

At least one (1) Designated Responsible Licensed Producer (DRLP) must be provided on the application.

The DRLP(s) must be licensed for the LOA's applied for by the business entity applicant and must be submitted prior to the business entity application.

A  Michigan physical address is required in the business address for all agency applicants. 

If applicant responds "yes" to one of the background questions please submit supporting documents electronically via NIPR's Attachments Warehouse. The documents are stated as follows and may be submitted to the state via mail, email, or fax:

  • A written statement explaining the circumstances.
  • A copy of the official document which demonstrates the resolution of the charges or any final judgment.

Prior to filing an application applicant's with conviction histories are strongly encouraged to review Chapter 12 of the Michigan Insurance Code and the Guiding Principles found Michigan's state website for complete information on license eligibility.


State Offerings (Business Entity)

License Class Line of Authority (LOA) DRLP Required
Resident Producer Life Yes
Resident Producer Accident & Health Yes
Resident Producer Property Yes
Resident Producer Casualty Yes
Resident Producer Variable Annuities Yes
Resident Producer Personal Lines Yes
Resident Producer Credit Products Yes
Resident Producer Surety & Fidelity Yes
Resident Producer Travel Yes
Resident Producer Crop Yes
Resident Producer Title Yes
Resident Producer Limited Lines Property & Casualty Yes
Resident Producer Limited Life Yes
Resident Surplus Lines None Yes

License Fees (Business Entity)

Fees shown are state fees only. These fees do not include NIPR transaction fees.

License Class / LOA Combination License Fee * Amendment Fee * Reinstatement fee
Resident Producer / All LOAs $10.00 $10.00
May Include 1 or more LOAs
N/A. Michigan business entity licenses are perpetual and do not reinstate
Resident Surplus Lines / All LOAs $110.00 N/A $110.00 ($110 total reinstatement)

* Per application.

Contacts

Last Update: 4/28/2017

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