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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A branch office is any office location other than the primary location of the licensed business entity (agency) that regularly conducts insurance business or is advertised as a place where the public may contact the business entity (agency) or its employees concerning insurance service. A branch office must be registered with the Department of Insurance and Financial Services (DIFS).
Registration and Inactivation of a Branch Office
Effective July 1, 2017, branch office registrations can be opened and closed using the DIFS Insurance Licensing Online Services (ILOS) web page. Each branch office location does not receive a copy of the agency license, but may receive a registration certificate if requested during the registration process.
Modifications to branch registrations can only be made to the phone and/or email contact information. If a branch location address has changed, the agency will need to submit a request to close that branch location. A separate request to open a new branch location will need to be submitted.
Assumed Name/Doing Business As (DBA)
An assumed name is a name other than the official name of the licensee as maintained in the DIFS database. If the branch location utilizes a name which is different than the licensed business entity producer name on file with DIFS, prior registration with our office is required. Information regarding this process is available on the DIFS web page Assumed Names/dba's.
Separate Legal Entity
A business entity that regularly conducts insurance business under a separate Federal Employer ID Number (FEIN) from the primary location, must obtain a separate business entity license. It cannot be registered as a branch office.
Designated Responsible Licensed Producer (DRLP)
Section 1205(2)(b) of the Michigan Insurance Code, MCL 500.1205(2)(b), requires a business entity to identify a Designated Responsible Licensed Producer (DRLP) in order to obtain a license. The DRLP is responsible for the business entity's compliance with the state insurance laws, rules and regulations. A business entity may have more than one DRLP. The DRLP does not have to hold all the same lines of authority as the agency, but the DRLP is responsible for ensuring agency compliance with all laws and regulations.
Separate DRLPs are not required for each branch location.
