Insurance License Renewal in Michigan (2026)

Insurance license renewal in Michigan is handled by the Michigan Department of Insurance and Financial Services (DIFS), which requires Insurance Producer (Agent)s to renew every 24 months. Below are the renewal deadline rule, continuing-education (CE) hours, fees, and a direct link to the official renewal page — last verified 2026-06-01. This is an unofficial guide; always confirm the details with the board before you file.

Michigan Insurance renewal at a glance

Renewal cycle	24 months
Deadline rule	Resident individual producer licenses are perpetual and do not renew on a fixed cycle as long as the licensee stays compliant with continuing education. Compliance is measured against a biennial "CE review date" set by the licensee's birth month and year (first day of the birth month), with the first review date allowing at least 12 months to complete 24 credits and successive review dates every two years thereafter. Missing the CE deadline triggers a 90-day suspension, then termination.
CE hours required	24 hours
Renewal fee	see board (fee not fixed/published)
Online renewal	Yes
CE tracking system	NIPR
Governing body	Michigan Department of Insurance and Financial Services (DIFS)

Go to the official Michigan Department of Insurance and Financial Services (DIFS) renewal page →

Last verified 2026-06-01 from the Michigan Department of Insurance and Financial Services (DIFS). automated research workflow (official michigan Department of Insurance), confidence high.

Continuing-education requirements for Insurances in Michigan

Resident producers must earn 24 credits of state-approved CE every two years, including a minimum of 3 credits in ethics; the remaining 21 may be in any line (accident & health, life, property, casualty, etc.). Ethics credits beyond 3 count as general credits. No specific long-term care, annuity suitability, or flood CE mandate is published on these pages. Up to 12 excess credits may carry over to the next review period. Certain limited lines (e.g., Limited Life; Turkey, Crop and Hail; Travel/Accident/Baggage; Title; Credit; Limited Lines Property and Casualty) are exempt from CE. Nonresidents satisfy Michigan CE by meeting their home-state requirements (reciprocal). Providers report credits to DIFS electronically within 30 days, with a $1.00 per credit-hour reporting fee paid by the licensee.

Need approved hours? Compare Michigan Insurance CE courses (some links are affiliate links).

How to renew your Insurance license in Michigan

Confirm your renewal deadline and current status on the Michigan Department of Insurance and Financial Services (DIFS) portal.
Complete the required 24 CE hours and confirm they appear in NIPR.
Submit the renewal application and pay the current fee online.
Keep proof of CE and your renewal confirmation for your records.

Good to know: Michigan does not use a traditional renew-and-pay model for resident individual producers: no renewal invoice is issued and the license remains perpetual so long as CE compliance is maintained, so there is no fixed resident producer renewal fee or late fee (both nulled). The 24-month cadence reflects the biennial CE review cycle, not a license-expiration cycle. The CE review date is set by birth month/year and is fixed at first licensure (name/SSN changes do not alter it). Failing CE by the review date suspends the license for 90 days (may service existing book of business but write no new business); failing within the 90-day window terminates qualifications. Reinstatement within one year requires 24 hours of CE plus a new application via NIPR and applicable fees; after one year the person must reapply as a new applicant (ERL application $10 + $5 transaction fee, pre-licensing education, and exam). NIPR (nipr.com) is the official portal for applications/reinstatement; CE credits are tracked directly in DIFS's system and verifiable via the DIFS Insurance Agent Locator. The agency is DIFS (which absorbed the former Office of Financial and Insurance Regulation), not a separate "Department of Insurance." CE FAQ page last updated 05/29/24.

Insurance license renewal in Michigan: frequently asked questions

How often do I renew my Insurance license in Michigan?

Michigan Insurance licenses renew every 24 months. Resident individual producer licenses are perpetual and do not renew on a fixed cycle as long as the licensee stays compliant with continuing education. Compliance is measured against a biennial "CE review date" set by the licensee's birth month and year (first day of the birth month), with the first review date allowing at least 12 months to complete 24 credits and successive review dates every two years thereafter. Missing the CE deadline triggers a 90-day suspension, then termination.

How many CE hours are required to renew an Insurance license in Michigan?

Approximately 24 continuing-education hours per cycle. Resident producers must earn 24 credits of state-approved CE every two years, including a minimum of 3 credits in ethics; the remaining 21 may be in any line (accident & health, life, property, casualty, etc.). Ethics credits beyond 3 count as general credits. No specific long-term care, annuity suitability, or flood CE mandate is published on these pages. Up to 12 excess credits may carry over to the next review period. Certain limited lines (e.g., Limited Life; Turkey, Crop and Hail; Travel/Accident/Baggage; Title; Credit; Limited Lines Property and Casualty) are exempt from CE. Nonresidents satisfy Michigan CE by meeting their home-state requirements (reciprocal). Providers report credits to DIFS electronically within 30 days, with a $1.00 per credit-hour reporting fee paid by the licensee. Confirm the current requirement with the Michigan Department of Insurance and Financial Services (DIFS).

Can I renew my Michigan Insurance license online?

Yes — Michigan offers online renewal through the Michigan Department of Insurance and Financial Services (DIFS). Use the official link on this page.

What happens if I let my Michigan Insurance license expire?

Practicing on an expired license is generally prohibited and can carry penalties. Late or reactivation fees may apply. Contact the Michigan Department of Insurance and Financial Services (DIFS) promptly if your license has lapsed.

Renew the same license in another state

All states: Insurance Producer (Agent) renewal