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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Licenses and Lines of Authority:
Active (AC) - Indicates that the licensee is in good standing for the license, qualification or appointment for which this status is attached.
Application Required (AR) - A new application and fee are required to reinstate the license. The licensee has up to 12 months from the date of original loss of qualification and/or license to reinstate. After that the license is made Inactive. The licensee must reapply and reexamine to reinstate the qualification/license.
Inactive (IN) - Indicates that the licensee is no longer eligible for the license, qualification or appointment for which this status is attached.
Revoked (RV) - A disciplinary status indicating that the licensee was taken through the administrative legal procedures for activities which violate the insurance code, and determined by the Commissioner to no longer be fit and proper for the business of insurance or the public's trust.
Suspended for Compliance (SC) - A disciplinary status indicating that the licensee was taken through the administrative legal procedures for activities which violate the insurance code, and determined by the Commissioner to no longer be fit and proper for the business of insurance or the public's trust for a specific length of time.
Suspended for Education (SE) - Solicitors and most Producers must earn 24 credits every 24 months with a minimum 3 of those credits in ethics courses. If a licensee fails to earn the appropriate required credits by the due date the license or qualification will go into Suspended for Education status. It will remain in this status for 90 days. During this status the individual may continue to service existing business, but may not produce new business. On the 91st day if they have not earned the appropriate and required credits their license is Terminated for Education.
Terminated for Education (TE) - If a producer or solicitor is Suspended for Education and does not obtain the necessary credits within 90 days, the license or qualification will go into Terminated for Education status. After 12 months from the due date, if the credits are not earned and reported the license goes Inactive and the person must reapply and reexamine to reinstate the qualification/license.
Voluntary Surrender (VS) - Indicates that the licensee voluntarily surrendered a license or specific qualification. Retirement is an example.
Appointments:
Active - see above
Cancelled - Insurer requested that the appointment be terminated.
Cancelled for Cause - Insurer requested that the appointment be terminated pursuant to one or more of the reasons listed in MCL 500.1239(1).
Revoked - see above
Suspended for Compliance - see above
Suspended for Education - see above
Voluntary Surrender - see above
