How our department monitors insurance market practices
Insurance Company Contract and Rate Filings
DIFS Prohibition Orders for Consumer Finance and Credit Union.
Licensing - Consumer Finance and Mortgage
Consumer Finance and Mortgage Forms
BIDCO and Anti-Redlining Forms.
Statutes, Rules and Regulations
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An individual or business entity (agency) shall not sell, solicit or negotiate any insurance product until the individual or business entity (agency) received a producer insurance license.
A licensed individual or business entity (agency) may not act as an agent of an insurer unless the producer becomes appointed with that insurer (MCL 500.1208). Any prospective insurance employer may access the Insurance Licensee Locator to verify the individual is properly licensed. Also see Appointments/Cancellations.
The applicant must meet all of the qualifications of licensure prior to receiving an insurance license (i.e. pre-licensing education, exam, and background check). During the qualification review, OFIR staff may request additional information. Upon approval, a license will be issued and sent to the mailing address on file.
Applicants are required to attest that the information being submitted in the application and any attachments are true and complete. Therefore, applicants are encouraged to thoroughly review the Licensing section of the OFIR website, and carefully read all questions on the application prior to answering.
The Michigan Insurance Code, MCL 500.1239(1), states in part:
"In addition to any other powers under this act, the commissioner may place on probation, suspend, revoke an insurance producer's license…and shall refuse to issue a license...for...(a) Providing incorrect, misleading, incomplete, or materially untrue information in the license application. ..."
See also, MCL 500.1214(3), 1224(3), 1234(3), and 1242(2).
It is very important that individual and business entity (agency) applicants carefully read all questions on the application and provide accurate responses. During the qualification review, if OFIR staff discovers that the applicant provided false or misleading information, the license application will be denied.
