Michigan Insurance Continuing Education Requirements
A Complete Guide for 2025
Licensed insurance professionals in Michigan-including producers, adjusters, and select other license types-must complete continuing education (CE) every two years to maintain an active license. NobleCE offers mobile-friendly courses, bundle pricing, and prompt reporting to help you complete your CE fast and stay compliant.
What Is Insurance Continuing Education?
Insurance CE consists of approved courses that help professionals stay updated on ethics, product training, state law, and regulatory changes. Michigan law mandates 24 hours of CE every two years to ensure professionals remain knowledgeable and competent.
Who Needs to Complete CE in Michigan?
- Resident producers must complete 24 hours, including ethics and specialty training, every two years.
- Resident adjusters licensed in a major line must also comply.
- Public adjusters, title agents, and restricted license holders are typically exempt.
- Non-resident producers are exempt if they meet CE requirements in their home state.
- Brokers licensed before certain dates may qualify for exemption or waivers.
Michigan Insurance CE Requirements Overview
- 24 total CE hours every two years
- Includes 3 hours of ethics
- One-time specialty training: 4-hour annuity suitability, 8-hour LTC (plus 4-hour refresher), and 3-hour flood course
- Up to 12 excess hours may carry over as general credit
- Courses cannot be repeated for credit within the same cycle
Special Requirements for Certain Licensees
- Annuity Training: One-time 4-hour suitability and best-interest course required before selling annuities
- Long-Term Care (LTC): One-time 8-hour partnership course required; thereafter 4-hour refresher every cycle
- Flood Insurance: One-time 3-hour FEMA NFIP course required before selling flood policies
These specialty trainings count toward the 24-hour total when completed within the renewal cycle.
When Is the CE Deadline in Michigan?
Completion must be achieved by the first day of your birth month, every two years, based on odd/even birth year cycles. Providers have up to 30 days to submit completion data, and a $1 per credit hour fee applies.
Exam & Proctor Requirements
- Exams are closed‑book, without any outside materials
- A disinterested third-party proctor (e.g., librarian, not a supervisor or family) must oversee all self-study exams and sign an affidavit
- A 70 percent passing score is required on final exams
- Unlimited retakes are allowed until passing
How to Find Approved CE Courses in Michigan
Courses must be approved by the Michigan Department of Insurance and Financial Services. NobleCE offers fully compliant mobile-friendly courses, including all required specialty and general credits. We handle proctor guidelines, reporting, and anytime access.
Step-by-Step: How to Complete Your Michigan Insurance CE
- Determine your CE due date (first day of birth month, odd/even cycle)
- Select NobleCE’s Michigan-approved course bundle or specific courses
- Complete your coursework online at your convenience
- Take closed-book exams under proctor supervision
- Achieve at least a 70 percent score; retake if necessary
- Download your certificate on-the-spot
- NobleCE reports your completions to Michigan within two business days
What Happens If You Miss the CE Deadline?
Failure to complete CE on time prevents renewal, and the license becomes inactive. To reinstate, complete required hours, pay applicable fees, and resubmit your renewal. You may not conduct insurance business while the license is inactive.
CE Exemptions and Extensions
Exemptions may apply to non-residents compliant in their home state, limited license holders, and individuals with hardship or military service. Licensees licensed prior to certain dates may also be eligible for waivers or exemption.
How to Check Your CE Transcript
Verify your CE through the Michigan DIFS licensing portal or Sircon. Ensure all credits-including specialty training-are correctly recorded. Keep completion certificates for at least five years.
Best Practices for Michigan Insurance CE Success
Complete your CE early in the cycle to allow time for proctor setup. Use NobleCE’s bundle to efficiently cover all required hours. Follow proctor instructions carefully and secure your affidavit. Retain certificate copies and confirm reporting before renewal.
Stay Ahead with Michigan CE Compliance
Meeting CE requirements protects your license and enhances your professional credibility. NobleCE delivers Michigan-approved, mobile-friendly courses with bundle pricing, proctor management, and efficient reporting to help you complete CE fast and confidently.
Frequently Asked Questions (FAQ)
How many hours are required in Michigan
24 hours every two years, including 3 ethics and specialty training as needed.
Are finals required and proctored
Yes. Closed-book exams are required, overseen by an impartial third-party proctor. A 70 percent score is required, with unlimited retakes.
Can I carry over extra hours
Yes. Up to 12 excess credit hours may carry over into the next renewal cycle.
Do annuity, LTC, and flood courses count toward my total hours
Yes. All specialty courses count toward your 24-hour total when completed in your cycle.
Ready to Get Started?
Explore NobleCE’s Michigan courses and complete your CE fast with mobile-friendly learning, bundle pricing options, proctor support, and instant state reporting.
Disclaimer: The information provided by Noble regarding Continuing Education (CE) is intended as a courtesy and aims to be accurate and up to date. However, Noble and its employees do not guarantee the accuracy or current validity of the information. CE regulations are subject to change, so always verify details independently.
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