Insurance Pre-licensing Education FAQ
- Who is required to take Pre-licensing Education (PE)?
Candidates for a Resident insurance producer or solicitor license are required to successfully complete PE coursework.
- For the Resident Producers and Solicitors, how many hours of PE are required?
Number hours of PE are required for the Resident Producers and Solicitors. Type Hours Required Life/Limited Life 20 hours of coursework Accident & Health 20 hours of coursework Life and Health 40 hours of coursework Property and Casualty 40 hours of coursework Property only 20 hours of coursework Casualty only 20 hours of coursework Personal Lines 20 hours of Property and Casualty coursework Property, Casualty, and Personal Lines 40 hours of Property and Casualty coursework
- Can the PE requirement be waived?
Yes, if a candidate holds certain professional designations (CLU, ChFC, CPCU, AAI, CIC), or possesses a concentration of college credits in insurance from an accredited college. The candidate must submit a request in writing to our office and receive a written waiver before scheduling the exam. Details regarding the waiver process are available on the DIFS web page Insurance Pre-licensing Education Exclusions & Waivers. Following is a list of professional designations that qualify a candidate for a PE waiver:
List of professional designations that qualify a candidate for a PE waiver. Life A & H P & C CEBS RHU AAI ChFC CEBS ARM CIC REBC CIC CFP HIA CPCU CLU FLMI LUTCF
- If I was previously licensed in another state, do I need to obtain a PE waiver before taking the Michigan licensing examination?
Details regarding the process for obtaining a license when moving to Michigan from another state are available on the DIFS web page How to become licensed when moving to Michigan from another state.
If the license held in your previous home state was surrendered less than 90 days ago, you do not need to take the Michigan licensing examination. Submit an electronic application via the NIPR website at www.nipr.com.
If the license held in your previous home state was surrendered more than 90 days but less than 12 months ago, you do not need a PE waiver. In that case, submit an electronic application via the NIPR website at www.nipr.com and successfully pass the Michigan licensing examination.
However, if your previous license was surrendered more than 12 months ago, you will need to successfully complete PE coursework and pass the Michigan licensing examination. In addition, you will need to submit an electronic application via the NIPR website at www.nipr.com.
- Can I fulfill the PE requirements by correspondence?
Yes. In Michigan, PE coursework may be completed in a classroom setting or as a self-study course. Either method is acceptable.
- How do I obtain a list of PE providers?
A list of approved PE providers and coursework is available on the DIFS web page: Insurance Education - Search for Providers, Courses, Offerings, and Instructors. Click the down arrow to the right of "Course Category" to choose Pre-licensing Education Courses. The provider and course list allows the list to be sorted by instruction method and course classification.
- How long is a PE Certificate of Completion valid?
The licensing candidate must take the initial examination within 12 months of the PE course completion date. If a passing exam score is not achieved by the end of the 12 months, the candidate has to take PE coursework again and earn a new Certificate of Completion.
- When I receive my PE Certificate of Completion or PE Waiver, should I take the documents to the examination?
No; those documents should be kept for your records. PE course completion information is sent to our office by the PE provider as an electronic file. The information populates your application in our database and will be matched to your examination score. DIFS Licensing staff will add PE Waiver information to your record in our database.
The answers provided are not meant to be a substitute for legal advice.