Michigan / Resident Licensing / Individual

Fees

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

Per application.
Amendment Fee may Include 1 or more LOAs

Resident Producer

Fee:

$10

Amendment fee:

$10

Reinstatement fee:

$10

Surplus Lines

Fee:

$110

Reinstatement fee:

$110

Solicitor

Fee:

$20

Amendment fee:

$20

Reinstatement fee:

$20

Resident Counselor

Fee:

$20

Amendment fee:

$20

Reinstatement fee:

$20

Resident Adjuster for Insured

Fee:

$15

Amendment fee:

$15

Reinstatement fee:

$15

Resident Insurance Adjuster

Fee:

$15

Amendment fee:

$15

Reinstatement fee:

$15

Lines of Authority

Please note that license class names can vary by state.

NIPR does not verify exams prior to allowing submission of an application, however, an exam is required prior to the states approval of the request.
Please note that license class names can vary by state.
Adjuster for the Insured (public adjuster) - An individual allowed by license to contract with and represent the insured who have suffered losses covered by insurance for fire and other hazards. Adjusters for the insured may not adjust worker’s compensation losses.
Insurance Adjuster (independent adjuster) - An individual allowed by license to contract with and represent insurance companies to adjust fire and other hazards, crop, and/or workers' compensation losses.
A company/staff adjuster (an adjuster who is a salaried employee of an insurance company) does not need to be licensed by the State of Michigan. This license exemption does not apply to affiliated insurers within a holding company system (group) or leased through a management company (by contract). It only applies to the insurer with whom the adjuster is employed (1099 employee).

Resident Producer

Life, Accident & Health, Variable Annuities, Property, Casualty, Personal Lines, Credit Products, Crop, Travel, Limited Lines Property & Casualty, Limited Life, Title, Surety & Fidelity

Surplus Lines

No Line of Authority Required

Solicitor

Property, Casualty, Personal Lines, Travel, Crop, Limited Lines Property & Casualty, Title, Surety & Fidelity

Resident Counselor

Life, Accident & Health, Multiple Lines Property & Casualty

Resident Adjuster for Insured

Fire & Other Hazards

Resident Insurance Adjuster

Fire & Other Hazards, Workers' Compensation, Crop

Rules and Regulations

Applicant Can

Submit initial license for individuals electronically.
Submit for major lines of authority.
Submit for limited lines of authority.
Submit for surplus lines for individuals.
Add lines of authority (amend) to an existing active license.
Reinstate/reapply through NIPR's Resident License (RL) Application.

Applicant Cannot

Print license electronically.

Business Rules

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.
Michigan does not discuss pending applications with anyone except the applicant. Applicants must call or submit an e-mail to the state directly to obtain the status of a pending application. Please allow 14-21 business days to review the transaction and provide a response or request for additional information. If you have not received an update within this time frame you may contact the state directly to request a status and determine if additional documentation is required. You may select the state name on the following link http://nipr.com/map_contact_faq.htm to review the states contact information.
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.

Special Instructions

Michigan does not offer license printing services electronically. Click here for additional information.

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).