Michigan CE requirements
How many CE hours do Michigan insurance agents need?
Michigan resident producers and solicitors generally complete 24 state-approved CE credits during each two-year review period. At least 3 credits must be ethics; any ethics beyond the minimum counts as general credit.
Which Michigan CE requirement applies to me?
Michigan CE requirements by license
| Michigan resident license | Total CE | Required category or format |
|---|---|---|
| Resident insurance producer | 24 credits | At least 3 ethics credits |
| Resident insurance solicitor | 24 credits | At least 3 ethics credits |
| Producer with multiple standard qualifications | 24 credits | 3 ethics; product training as applicable |
| Qualifying nonresident producer | Home-state requirement | Maintain home-state compliance |
| Listed limited authority | Exempt from regular CE | Verify the exact qualification with DIFS |
Michigan producer licenses are perpetual while the producer remains CE-compliant. There is no ordinary biennial renewal application for resident individual producers, but failing CE changes the license status and authority to transact new business.
Which Michigan authorities are excepted from regular CE?
DIFS lists Limited Life; Turkey, Crop and Hail; Travel, Accident and Baggage; Title; Credit Products; and Limited Lines Property and Casualty. A severe-hardship waiver may also be considered for terminal illness, substantial illness or spouse-care demands, or active military duty when requested with documentation before the deadline.
Official sources: Michigan insurance CE FAQ Michigan producer renewal status
Deadline and review cycle
When is Michigan insurance CE due?
Your Michigan CE review date is the first day of the applicable birth month. The first review date must give a newly licensed producer at least 12 months to earn 24 credits; later review dates occur every two years.
The first CE review date is printed on the license document and can be verified through the Insurance Agent Locator. Birth year parity helps determine the cycle, but the official date—not a general odd/even shortcut—should guide your plan.
If required credit is not complete by the review date, the license is suspended for education for up to 90 days. During suspension, a producer may service existing business but may not sell, solicit, or negotiate new business. After 90 days, the qualifications are terminated for education.
Official sources: Michigan CE review dates and suspension Michigan license termination guidance
Official record
How do I check my Michigan CE transcript or status?
Michigan’s official record uses your seven-digit System ID. Confirm the review date, 24-credit total, 3 ethics credits, carryover, and each completion. DIFS says a producer is not compliant until all required credit is posted.
-
1
Correct license and period
Confirm the active license record, CE period, and compliance or review date.
-
2
Total posted credit
Compare the posted hours with your requirement after any valid exemption, reduction, or carryover.
-
3
Required categories
Check ethics, law update, flood, delivery method, or product-specific categories separately.
-
4
Completion history
Look for missing courses, duplicate or zero credit, incorrect dates, and misclassified completions.
What should I do if completed credit is missing?
Reporting timing. Providers must submit Michigan CE credit electronically within 30 days. Noble reports daily. Michigan also requires a $1-per-credit reporting fee.
1. Confirm the seven-digit System ID used at registration, course title, completion date, and certificate.
2. Check that the course is not a duplicate; Michigan displays duplicate completions with zero credit.
3. Contact the provider first to resolve the roster discrepancy and keep the completion certificate available.
4. Verify the official DIFS record before the first day of the review month because compliance depends on posted credit.
Official sources: Michigan CE and carryover FAQ
Credits and eligibility
What courses count toward Michigan insurance CE?
Michigan CE credit is awarded only for a state-approved course completed through a state-approved provider. The course must match the required credit category and applicable license period.
- Can I repeat a course?
- No. Michigan awards no additional credit for a duplicate course in the same review period. Courses with the same name or substantially similar content may be treated as duplicates.
- Can extra hours carry over?
- Yes. After completing 24 credits, including 3 ethics credits, up to 12 additional credits carry into the next review period as general credit.
- Does partial course credit count?
- No. Michigan does not accept partial credit for a partially completed course.
- Which date assigns the credit?
- The course completion date reported by the provider determines the review period in which the credit applies.
- When am I compliant?
- A producer is CE-compliant only after all required credits are posted to the official Michigan record. A completion certificate alone does not establish compliance.
Official sources: Michigan CE and carryover FAQ Michigan CE carryover details
Course format
Can Michigan insurance CE be completed online?
Yes. Michigan approves classroom, web-based, and self-study formats, including online courses. A self-study exam must follow the state’s monitoring and closed-book controls.
Closed-book self-study exam
Michigan requires the exam to be completed without course materials or other assistance.
Disinterested third-party certification
The provider must use a disinterested third party to certify the exam conditions or arrange a separate testing session. Noble’s course instructions explain the process.
The state’s discontinuation of remote licensing exams is separate from continuing education. Michigan still recognizes approved online CE, subject to the self-study examination controls above.
Official sources: Michigan online and self-study CE rules
Product-specific training
What specialty training do Michigan insurance agents need?
Michigan treats annuity and long-term care education as product-sales training. Approved courses may also earn general CE credit for resident producers, but the product requirement applies to resident and nonresident sellers.
| Training | Who needs it? | Hours and frequency |
|---|---|---|
| Annuity Best Interest | Producers selling or recommending annuities | 4 hours, one time Course approved on/after June 29, 2021 |
| Long-Term Care Partnership | Producers selling, soliciting, or negotiating LTC | 8 hours initially Then at least 4 hours each two-year CE period |
| NFIP Flood | Property and casualty producers selling federal flood insurance | 3 hours, one time Federal minimum training |
For Michigan LTC, choose a course specifically classified as “LTC - Partnership.” A general long-term-care course without that classification may not satisfy the product-training requirement.
Official sources: Michigan annuity suitability training Michigan long-term care training Michigan education resources
Step-by-step
Michigan CE compliance checklist
-
1
Verify the review date
Use the license document or DIFS Insurance Agent Locator; do not guess from birth year alone.
-
2
Audit posted credit
Confirm 24 credits, 3 ethics, valid carryover, and no zero-credit duplicates.
-
3
Complete approved courses
Finish the remaining credit and product training before the first day of the review month.
-
4
Wait for and verify posting
DIFS considers you compliant only after all necessary credit is posted.
-
5
Confirm active status
Because the individual producer license is perpetual, the final step is verifying an active, CE-compliant status rather than filing a routine biennial renewal.
Common compliance mistakes to avoid
- Treating the last day of the birth month as the deadline instead of the first day of the review month.
- Assuming a perpetual license means CE is optional.
- Repeating a course and receiving zero duplicate credit.
- Expecting extra ethics carryover to satisfy the next period’s ethics minimum.
- Waiting for the 30-day provider deadline when the state requires credit to be posted by the review date.
Official sources: Michigan resident producer renewal status Michigan reinstatement after CE suspension
Common questions
Michigan insurance continuing education FAQ
How many CE credits do Michigan insurance producers need?
Most resident producers and solicitors need 24 approved credits every two years, including at least 3 ethics credits.
When is Michigan insurance CE due?
The CE review date is the first day of the applicable birth month. The first date must allow a new licensee at least 12 months; later dates occur every two years.
Do Michigan producer licenses renew every two years?
Resident individual producer licenses are perpetual while the producer remains CE-compliant. The two-year event is a CE review, not an ordinary renewal application.
Can Michigan CE credits carry over?
Yes. After meeting 24 credits including 3 ethics, up to 12 extra credits can carry forward as general credit.
Are Michigan online CE exams open book?
No. Self-study exams must be closed book and completed without assistance under the state’s disinterested-third-party certification process.
What happens if Michigan CE is late?
The license is suspended for education for up to 90 days, during which no new insurance business may be transacted. If the deficiency remains after 90 days, the qualifications are terminated for education.
How quickly must providers report Michigan CE?
Providers must submit credit within 30 days, and Michigan charges a $1-per-credit reporting fee. Noble reports completed courses daily.
Does Noble offer Michigan CE in Spanish?
Yes. Noble offers Michigan course options in English and Spanish. Confirm the course language and approval category in the catalog.
Primary sources
Official Michigan insurance CE sources
Requirements can change. This guide was reviewed against the primary sources below. Use the state record and regulator for an individual licensing question.