Michigan life line
The Michigan life insurance exam.
The Michigan life insurance exam is 100 scored questions, in 120 minutes, passing at 72 percent, $41 per attempt, administered by PSI Exams. We sell study materials and practice exams for it, written from the official Michigan outline. The first 20 study questions are free, and the full License Pass is $79, yours until you pass.
At a glance
| Exam | Michigan Life Producer, Series 16-65 |
| Scored questions | 100 |
| Pretest questions | not published |
| Time limit | 120 minutes |
| Passing score | 72 percent |
| Exam fee | $41 |
| Testing vendor | PSI Exams |
| Retake rules | There is no fixed waiting period, but you cannot rebook on the day you fail. If you fail on a Wednesday, you can call Thursday and retest as soon as Friday, if a seat is open. |
| Prelicensing education | required, from a provider your state insurance department lists |
Checked against PSI Exams' official materials. Specs change, so confirm them when you register.
How to get your Michigan life insurance license
- 1
Meet the basics
Michigan sets its own age, background check and application rules. The Michigan insurance department lists them, so read them before you book.
- 2
Complete the required prelicensing education
Michigan requires prelicensing education from a provider your state insurance department lists before you can test. Complete it with that provider, keep your completion record, then drill practice questions until the material sticks.
- 3
Book the exam with PSI Exams
Register at PSI Exams, pick a test center or online proctoring where offered, and pay the $41 exam fee.
- 4
Pass the exam
Walk in knowing the format, 100 scored questions in 120 minutes, passing at 72 percent. About 57 percent of first-time life exam takers pass nationally (NAIC, 2025 results).
- 5
Apply for the license and get appointed
Submit the license application (fingerprints where required), then get appointed with carriers so you can write business.
What the Michigan exam covers
From the official exam outline, each section's share of the exam and how many of the 100 scored questions it earns.
| Section | Weight | Questions |
|---|---|---|
| Insurance Regulation | 17 percent | 17 questions |
| General Insurance | 18 percent | 18 questions |
| Life Insurance Basics | 21 percent | 21 questions |
| Life Insurance Policies | 12 percent | 12 questions |
| Life Insurance Policy Provisions, Options, and Riders | 21 percent | 21 questions |
| Annuities | 6 percent | 6 questions |
| Federal Tax Considerations for Life Insurance, Annuities, and Qualified Plans | 5 percent | 5 questions |
Free Michigan practice questions
Original questions written to the Michigan outline, the same bank our students drill. Tap a question to check the answer.
Question 1When an insurer ends its appointment of a producer, what must the insurer do?
- A. Publish the termination in a local newspaper
- B. Nothing, because the producer's license automatically ends too
- C. File a notice of termination with the director within the required time
- D. Refund the producer's unearned commissions to the state
Show the answer
Answer: C
When an appointment is terminated, the insurer must notify the state director of the termination within the time the law requires. The producer's license does not automatically end; it stays active even without an appointment. There is no requirement to refund commissions to the state. Newspaper publication is not part of the process.
Question 2An insurer authorizes James to act as its producer by doing what?
- A. Signing a replacement disclosure
- B. Paying his continuing education fees
- C. Endorsing his prelicensing certificate
- D. Filing a notice of appointment with the state
Show the answer
Answer: D
An appointment is created when the insurer notifies the state that it is appointing the producer to represent it. Paying CE fees relates to keeping a license active, not appointment. A replacement disclosure is a document used when replacing policies, not for appointment. A prelicensing certificate proves education was completed, it does not create an appointment.
Question 3Diane lets her Michigan producer license lapse but keeps selling insurance and collecting commissions; what enforcement tool is most directly aimed at stopping her ongoing unlicensed activity?
- A. A guaranty association claim
- B. A free look extension
- C. A cease and desist order
- D. A grace period notice
Show the answer
Answer: C
A cease and desist order is the direct tool to stop someone from continuing prohibited conduct such as transacting insurance without a license. A free look relates to a policyowner's right to return a new policy, not enforcement. The guaranty association protects policyholders when an insurer becomes insolvent. A grace period concerns late premium payment, not unlicensed sales.
Question 4What is the practice of offering a customer something of value not stated in the policy to induce the purchase of insurance?
- A. Rebating
- B. Defamation
- C. Coercion
- D. Twisting
Show the answer
Answer: A
Rebating means giving back part of the premium or offering any valuable consideration not specified in the policy to persuade someone to buy. Twisting is using misrepresentation to convince someone to replace an existing policy. Coercion is using force or pressure to affect an insurance transaction. Defamation is making false statements that harm an insurer's reputation.
MCL 500.2024 (rebating); Michigan Insurance Code unfair trade practices
Question 5A producer named Marcus is convicted of committing an insurance fraud act in Michigan. What consequence can he face?
- A. Criminal penalties and possible suspension or revocation of his producer license
- B. Automatic transfer of his book of business to another agent
- C. A guaranteed second chance with no license impact
- D. Only a written warning with no further penalty
Show the answer
Answer: A
Fraud convictions can bring criminal penalties and administrative action against the producer's license, so the key is correct. A mere warning understates the seriousness of a fraud conviction. There is no guaranteed second chance for fraud. A book of business is not automatically transferred as a penalty.
Take the free Michigan practice test, every question with the answer and the explanation
Michigan exam FAQs
How many questions are on the Michigan life insurance exam?
100 scored questions, with 120 minutes on the clock.
What score passes the Michigan exam?
You need 72 percent to pass.
How much does the Michigan life insurance exam cost?
The exam fee is $41 per attempt, paid to PSI Exams. Licensing application and fingerprint fees are separate.
What happens if I fail the Michigan exam?
There is no fixed waiting period, but you cannot rebook on the day you fail. If you fail on a Wednesday, you can call Thursday and retest as soon as Friday, if a seat is open. About 57 percent of first-time life exam takers pass nationally (NAIC, 2025 results). Failing once is common, and the fix is drilling the sections your score report names.
Does Michigan require prelicensing education before the exam?
Yes. Michigan requires prelicensing education from a provider your state insurance department lists before you can sit for the exam. We sell study materials and practice exams, not prelicensing education, so plan for both, the required education first, then practice here until the exam feels familiar.
What RingReady is, and is not
RingReady sells study materials and practice exams for the life insurance licensing exam. We are not a prelicensing education provider on any state's list, and practicing here does not by itself satisfy any state's education requirement.
If your state requires prelicensing education, you must complete it with a provider your state insurance department lists. The department publishes that list. What we do is help the questions feel familiar when you sit down for the real exam.
Practice the Michigan exam until it feels familiar.
Practice questions written to every section of the outline above, full timed practice exams matched to the real format (100 questions, 120 minutes), and a mastery map that shows what to study next.