A Michigan agent may hold returned premiums in the separate account to pay an insured's future premiums only with what?MCL 500.1207(4)
A Michigan applicant's certificate must show the registered program of study was completed not more than how long before the application for examination is received?MCL 500.1204(2)
A Michigan insurance counselor keeps a copy of the client agreement for not less than how long after completing the services?MCL 500.1236
A Michigan producer has not met continuing education by the license expiration date. How long is the grace period to meet it?MCL 500.1204c(11)
A Michigan producer renews by completing not less than how many hours of continuing education in each applicable 2-year period?MCL 500.1204c(2)
A Michigan producer who completes extra continuing education may apply no more than how many hours to the next 2-year period?MCL 500.1204c(13)
A Michigan producer's license lapsed for a reason other than continuing education. It may be reinstated without a written examination not later than how long after the lapse?MCL 500.1206(3)
Show all 77 questions (70 more)
Licensing, fiduciary duties and counselors, continued
After a summary suspension of a Michigan solicitor's, counselor's or adjuster's license, a requested hearing is held not later than how many days after the suspension takes effect?MCL 500.1242
After a written denial by the Michigan director, an applicant may make written demand for a hearing not later than how many days after the denial?MCL 500.1239
After the separate premium account is set up, for what purpose may a Michigan agent deposit more of the agent's own money into it?MCL 500.1207(2)
An order of the Michigan director under the licensing chapter's penalty section must not require civil fines exceeding how much?MCL 500.1244(1)
During Michigan's continuing education grace period, which activity may the producer continue?MCL 500.1204c(11)
For a violation of Michigan's licensing chapter by a person who did not know of it, the director may order a civil fine of not more than how much for each violation?MCL 500.1244(1)
For what money is a Michigan agent a fiduciary?MCL 500.1207(1)
How many hours of instruction must a combined program of study for Michigan life and health insurance producers provide?MCL 500.1204a(1)
How many hours of instruction must a Michigan program of study for life insurance producers alone provide?MCL 500.1204a(1)
In Michigan, a producer who is not an appointed producer of the insurer with which the policy is placed is treated as representing whom?MCL 500.1201(b)
May a Michigan producer apply extra hours in ethics in insurance to the next 2-year period?MCL 500.1204c(13)
The Michigan director shall not issue a producer license to an applicant convicted of a felony within how many years before the uniform application was filed?MCL 500.1239(1)
Of a Michigan producer's required continuing education hours, not less than how many must be in ethics in insurance?MCL 500.1204c(2)
Regardless of the date of conviction, which felony is a cause to refuse a Michigan producer license?MCL 500.1239(1)
Under Michigan law, what is an agent's failure to turn over fiduciary money in a timely manner to the persons owed?MCL 500.1207(8)
What happens if a Michigan producer still has not met continuing education when the grace period expires?MCL 500.1204c(11)
What must a Michigan insurance counselor's agreement state about the counselor's fee?MCL 500.1236
When must a Michigan insurance counselor's written agreement with a client be prepared and signed?MCL 500.1236
When must a Michigan producer who does business under a name other than the producer's legal name notify the commissioner?MCL 500.1211a
Where must a Michigan agent's separate premium account be established and maintained?MCL 500.1207(3)
Where the Michigan director finds a producer ineligible for appointment, the insurer is notified within how many days of that determination?MCL 500.1208a(4)
Life insurance law 15
A Michigan group life certificate tells the employee of the conversion right. Is a separate notice required when employment ends?MCL 500.4438(2)
A Michigan individual life policy must carry a front-page notice that the policyholder may cancel it within not less than how many days after receiving it?MCL 500.4015
A Michigan life insurer reserves the right to defer payment of a cash surrender value for how long after demand with surrender of the policy?MCL 500.4060
A Michigan life policy is incontestable after 2 years except for nonpayment of premiums and which other exception the statute names?MCL 500.4014
A Michigan life policy may not take effect as of a date more than how long before the application was made, if that lowers the premium?MCL 500.4046(3)
A Michigan life policy may provide forfeiture for failure to repay a policy loan only if no forfeiture occurs until at least how long after notice is mailed?MCL 500.4046
A Michigan life policy must give a grace period of how long for the payment of every premium after the first year?MCL 500.4012(a)
Before coverage terminates, a Michigan life insurer sends written notice to the policyowner's last known address at least how many days ahead?MCL 500.4012(b)
Michigan's written-consent rule does not apply when the person whose life is to be insured is under what age?MCL 500.2211(2)
Michigan's written-consent rule for insuring another person's life applies to life policies and certificates of what amount or more?MCL 500.2211(2)
On converting Michigan group life coverage after termination of employment, the employee may take any form the company customarily issues except which?MCL 500.4438(1)
Under Michigan law, money payable under a policy a husband took on his own life for the benefit of his wife is free from the claims of whom?MCL 500.2207(1)
Under Michigan law, what constitutes the written consent of the person whose life is to be insured by someone with an insurable interest?MCL 500.2211(1)
What is the shortest limit a Michigan life policy may set on the time to sue after a cause of action accrues?MCL 500.4046(2)
Which Michigan life insurer is excused from sending the written notice before termination of coverage?MCL 500.4012(b)
Annuity sales law 6
A Michigan annuity contract must carry a front-page notice that the holder may cancel it within not less than how many days after receiving it?MCL 500.4073(1)
In reviewing an annuity exchange, a Michigan producer considers whether the consumer has had another exchange or replacement within the preceding how many months?MCL 500.4155
Michigan insurers and producers keep records of the information used for annuity recommendations for how long after the insurer completes the transaction?MCL 500.4163(1)
Under Michigan's annuity chapter, a producer who recommends an annuity is held to the standards applicable to whom?MCL 500.4155(1)
Under Michigan's annuity records section, is an insurer required to maintain documentation on behalf of a producer?MCL 500.4163(1)
When must a consumer who buys an individual annuity in Michigan be given a copy of the annuity policy?MCL 500.4161
Disability and health insurance law 12
A Michigan health insurance policy that makes dependent coverage available must make it available, at the policyholder's option, until the dependent has attained what age?MCL 500.3403(1)
A Michigan insurer keeps copies of grievances and responses available for the director's inspection for how long following the year the grievance was filed?MCL 500.2213(1)
A Michigan insurer makes its determination on an expedited grievance not later than how many hours after receipt?MCL 500.2213(1)
A Michigan insurer may limit autism spectrum disorder coverage to an insured through what age?MCL 500.3406s
A Michigan insurer's final written determination on a formal postservice grievance is due not later than how many calendar days after it is submitted?MCL 500.2213(1)
A Michigan policyholder cancels a disability insurance policy during the first 30 days after receipt. Who is responsible for claims the insurer paid that were incurred before the cancellation took effect?MCL 500.3409(3)
May a Michigan health insurer refuse to issue a health insurance policy solely because the applicant has been a victim of domestic violence?MCL 500.3406j(1)
Michigan caps the time limit on certain defenses in a disability insurance policy that is not a health insurance policy at how long?MCL 500.3408
Michigan lets an insurer subject autism coverage for an insured through 6 years of age to a maximum annual benefit of how much?MCL 500.3406s
Under Michigan's autism section, an insurer may request that the autism diagnostic observation schedule be performed no more often than once every how many years?MCL 500.3406s
Under Michigan's legal actions provision for a disability insurance policy that is not a health insurance policy, no action may be brought after how long from the time proof of loss is required?MCL 500.3422
Where a Michigan disability policy carries the optional cancellation provision, the insurer's written notice states that cancellation takes effect not less than how many days later?MCL 500.3448
Trade practices, claims and fraud 12
A Michigan health plan must pay a clean claim within how many days after it receives the claim?MCL 500.2006(8)
A Michigan insurer that does not pay benefits on a timely basis owes simple interest to its insured at what rate per annum?MCL 500.2006(4)
A person who commits a fraudulent insurance act in Michigan is guilty of a felony punishable by imprisonment for not more than how long?MCL 500.4511(1)
After a Michigan license is revoked for giving rebates, no license shall be issued to the same agent within how long of the revocation?MCL 500.2066
Entering into an agreement or conspiracy to commit a fraudulent insurance act in Michigan is punishable by imprisonment for not more than how long?MCL 500.4511(2)
For a claim to be a clean claim, a health professional must bill a Michigan health plan within how long after the date of service?MCL 500.2006(8)
For an unfair trade practice by a person who did not know of the violation, the Michigan director may order a penalty of not more than $1,000 per violation, up to what aggregate?MCL 500.2038(1)
Interest on Michigan insurance benefits not paid on a timely basis runs from a date how many days after satisfactory proof of loss was received?MCL 500.2006(4)
Under Michigan's privacy chapter, a privacy notice given annually means at least once in any period of how many consecutive months?MCL 500.513
Unless the claim is settled sooner, a Michigan insurer must specify in writing the materials that make a satisfactory proof of loss not later than how many days after receipt of a claim?MCL 500.2006(3)
Where a person knew or should have known of an unfair trade practice violation, Michigan's $50,000 aggregate penalty cap covers violations committed in what period?MCL 500.2038(1)
Which of these is within Michigan's definition of the unfair practice of rebating in life insurance?MCL 500.2024
Guaranty association 4
Apart from disability income, long-term care and basic hospital, medical and surgical benefits, what is the Michigan guaranty association's limit for 1 life on health insurance benefits?MCL 500.7704
The board of Michigan's life and health guaranty association submits its financial report for the preceding calendar year to the commissioner not later than what date?MCL 500.7715
For 1 life, what is the Michigan life and health guaranty association's limit on disability income insurance benefits or long-term care benefits?MCL 500.7704
For each individual in a governmental retirement plan under section 401(k), 403(b) or 457 covered by an unallocated annuity contract, the Michigan association's limit is how much in present value annuity benefits?MCL 500.7704
How this list was compiled: The Insurance Code of 1956 (1956 PA 218), Michigan Compiled Laws 500.100 to 500.8302: chapters 5, 12, 20, 22, 34, 40, 41A, 44, 45 and 77, read on October 9, 2026 in the chapter files of the Michigan Legislature (https://www.legislature.mi.gov/Laws/MCL?objectName=mcl-Act-218-of-1956). The topics and the sections asked follow the content outline of the Michigan Life, Accident and Health Producer examination (Series 16-80) and the Life Producer examination (Series 16-65), which print the MCL sections beside each topic; the outlines, the cut scores and the candidate bulletin are linked from the Department of Insurance and Financial Services page https://www.michigan.gov/difs/industry/licensing-ins/examinations (the outline: https://proctor2.psionline.com/media/programs/MIINS/Life&Health%20Prod%2016-80x.pdf). Licence: Own work. Every question, wrong choice and explanation was written for this site from the text of the law. Nothing comes from a testing vendor, a prep course or an exam question pool.
How it works
This unofficial practice test for the Michigan life insurance license exam asks state law only: 77 of our own questions from the Insurance Code of 1956, for the Life and the combined producer exams. Not affiliated with the Michigan Department of Insurance and Financial Services.
Read the full guide
Free Michigan life insurance practice test: where the law sits
Michigan has no separate state part. The Life, Accident and Health outline (150 items) gives 17 items to insurance regulation and prints Michigan Compiled Laws sections beside its life, annuity and health topics. This bank asks those sections: licensing, fiduciary duties, trade practices, policy provisions, the guaranty association.
Michigan life insurance study guide: what is left out
Product knowledge (policy types, riders, underwriting, tax) and the administrative rules on replacement are not asked. Each answer names its MCL section, so the bank works as a study guide to the statutes.
Continuing education: 24 hours every 2 years, 3 in ethics; miss it and a 90-day grace period starts (500.1204c).
Benefits not paid on time bear 12% simple interest from 60 days after proof of loss (500.2006).
A life policy's grace period is 1 month, and the notice before termination goes out at least 30 days ahead (500.4012).
Questions and answers
How many questions are on the Michigan life insurance license exam?
The Department's cut score table lists the Life Producer exam at 100 items with a 72% cut score, and the Life, Accident and Health Producer exam at 150 items with 75%. The outline index gives them 2 hours and 2.5 hours.
Which Michigan insurance license practice tests does this page cover?
The Life Producer exam and the Life, Accident and Health Producer exam, on Michigan law only. The Accident and Health Producer exam shares the regulation and health law asked here. Property and casualty law is not covered.
Does Michigan require a course before the insurance exam?
Yes. An applicant completes a registered program of study, 20 hours for life or 40 for combined life and health, not more than 12 months before the application for examination is received (MCL 500.1204, 500.1204a).
Are these the real Michigan insurance exam questions?
No. They are our own, written from the Michigan Compiled Laws. This site has never seen the state exam, and the Department did not write or review them. The page sets no exam length or pass mark; exam mode draws 25 questions.