State Requirements

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.