Insurance License Hub

The Michigan Life/Limited Life license

Life/Limited Life

Sells life insurance in Michigan. Twenty hours for the line alone, and forty if it is taken with Health.

Course

20 hrs

The shortest single course route.

Ways in

4

Every one of them requires the state exam.

Exam

$41

Required.

Every way to qualify

More than one route leads to this license, and which one you take changes what you study and whether you sit the exam. They are listed in full because the course is only the first of them.

  1. Route 1 Take the 20-hour course

    State exam required

    • 20 hours of pre-licensing education for the Life/Limited Life line, approved by the Department , completed within 1 year

    The statute allows classroom instruction or its equivalent in home study or online courses, so a self-paced course satisfies Michigan. The certificate has to show the course was completed not more than twelve months before the application for examination is received.

    Read at legislature.mi.gov on 2026-08-15

  2. Route 2 Hold one of the thirteen designations the statute names

    State exam required

    • CPCU Chartered Property and Casualty Underwriter, from the Insurance Institute of America

    • or

      CLU Chartered Life Underwriter, from The American College of Financial Services

    • or

      CIC Certified Insurance Counselor, from The National Alliance for Insurance Education and Research

    • or

      AAI Accredited Advisor in Insurance, from the Insurance Institute of America

    • or

      ChFC Chartered Financial Consultant, from The American College of Financial Services

    • or

      CEBS Certified Employee Benefit Specialist, from The Wharton School of the University of Pennsylvania

    • or

      CFP Certified Financial Planner, from the Certified Financial Planner Board of Standards

    • or

      FLMI Fellow of the Life Management Institute, from LOMA

    • or

      LUTCF Life Underwriter Training Council Fellow, from the National Association of Insurance and Financial Advisors

    • or

      RHU Registered Health Underwriter, from The American College of Financial Services

    • or

      REBC Registered Employee Benefits Consultant, from The American College of Financial Services

    • or

      HIA Health Insurance Associate, from America's Health Insurance Plans

    • or

      ARM Associate in Risk Management, from the Insurance Institute of America

    MCL 500.1204(2) lets the commissioner waive "the applicable examination or program of study requirements", so this route can reach the examination as well as the course. It is discretionary either way, and the Department's own page describes requesting it in writing before the examination is scheduled. Shown here as still requiring the exam, because that is the outcome an applicant should plan for.

    Read at legislature.mi.gov on 2026-08-15

  3. Route 3 Hold a degree with a concentration in insurance

    State exam required

    • A degree in insurance. An official transcript is required

    MCL 500.1204(2)(d): an associate's, bachelor's or master's degree with a concentration in insurance from an institution approved by the commissioner. MCL 500.1204(2) lets the commissioner waive "the applicable examination or program of study requirements", so this route can reach the examination as well as the course. It is discretionary either way, and the Department's own page describes requesting it in writing before the examination is scheduled. Shown here as still requiring the exam, because that is the outcome an applicant should plan for.

    Read at legislature.mi.gov on 2026-08-15

  4. Route 4 Have held a Michigan producer license in the last 12 months

    State exam required

    • Licensed insurance producer within the preceding twelve months

    MCL 500.1204(2) lets the commissioner waive "the applicable examination or program of study requirements", so this route can reach the examination as well as the course. It is discretionary either way, and the Department's own page describes requesting it in writing before the examination is scheduled. Shown here as still requiring the exam, because that is the outcome an applicant should plan for.

    Read at legislature.mi.gov on 2026-08-15

Courses

This is the part you buy. 5 of the 6 products sold for this license satisfy the requirement above, and the rest are practice material. Each seller opens to what it holds and what each package costs.

  • A.D. Banker & Company

    Meets the requirement: take the 20-hour course.

    $79.95 to $296.85

    See 9 options ▾

    Listed as "A.D. BANKER & COMPANY LLC", provider 0432, holding courses 95010 "LIFE - 2025" and 52529 "LIFE ONLY 2009", both filed as type Life at 20 hours, self-study

    Go to A.D. Banker & Company

  • ExamFX

    Meets the requirement: take the 20-hour course.

    $169.95 to $299.95

    See 6 options ▾

    Listed as "EXAMFX, INC", provider 0792, holding course 52555 "PRELICENSING FOR LIFE 2009", filed as type Life at 20 hours, self-study

    • Michigan Life - Self-Study Package

      60 Days Course Access · Interactive Learning Portal · Online Exam Simulations · Readiness Exam · Instructor & Technical Support read 2026-08-22

      $169.95

    • Michigan Life and Health - Self-Study Package

      60 Days Course Access · Interactive Learning Portal · Online Exam Simulations · Readiness Exam · Instructor & Technical Support read 2026-08-22

      $169.95

    • Michigan Life - Video Study Package

      60 Days Course Access · Interactive Learning Portal · Online Exam Simulations · Readiness Exam · Instructor & Technical Support · On-Demand Video Lectures · Online Flashcards read 2026-08-22

      $219.95

    • Michigan Life and Health - Video Study Package

      60 Days Course Access · Interactive Learning Portal · Online Exam Simulations · Readiness Exam · Instructor & Technical Support · On-Demand Video Lectures · Online Flashcards read 2026-08-22

      $219.95

    • Michigan Life - Live Online Study Package

      Live Online Webinar · Note-Taking Notebook · 60 Days Course Access · Interactive Learning Portal · Online Exam Simulations · Readiness Exam · Instructor & Technical Support · On-Demand Video Lectures · Online Flashcards read 2026-08-22

      $299.95

    • Michigan Life and Health - Live Online Study Package

      Live Online Webinar · Note-Taking Notebook · 60 Days Course Access · Interactive Learning Portal · Online Exam Simulations · Readiness Exam · Instructor & Technical Support · On-Demand Video Lectures · Online Flashcards read 2026-08-22

      $299.95

    Go to ExamFX

  • Kaplan Financial Education

    Meets the requirement: take the 20-hour course.

    $219.00 to $329.00

    See 2 options ▾

    Listed as "KAPLAN FINANCIAL", provider 0004, holding courses 73299 "INSURANCE PRE-LICENSING - LIFE ONLINE" and 73298 "INSURANCE PRE-LICENSING - LIFE PRINT", both filed as type Life at 20 hours

    • Premium (Live Online) - Life (Accelerated)

      Instructor-Led Class · InstructorLink · Study Plan · Video & Audio Review · InsurancePro QBank · Student Community · Checkpoint Exams · Performance Tracker · Pre-Study Assessment read 2026-08-22

      $219.00

    • Premium (Live Online) - Life & Health (Accelerated)

      Instructor-Led Class · InstructorLink · Study Plan · Video & Audio Review · InsurancePro QBank · Student Community · Checkpoint Exams · Performance Tracker · Pre-Study Assessment read 2026-08-22

      $329.00

    Go to Kaplan Financial Education

  • WebCE

    Meets the requirement: take the 20-hour course.

    $109.95 to $159.95

    See 4 options ▾

    Listed as "WEBCE, INC", provider 0484, holding course 75981 "MI LIFE PRODUCER EXAM PREP", filed as type Life at 20 hours. Michigan registers WebCE's product under the same exam-prep name the seller sells it under, so here the name that usually marks a study aid is the registered course

    • MI Life Producer Exam Prep Complete Package

      $109.95

    • MI Life, Accident & Health Producer Exam Prep Complete Package

      $109.95

    • MI Life Producer Exam Prep Plus Complete Package

      $159.95

    • MI Life, Accident & Health Producer Exam Prep Plus Complete Package

      $159.95

    Go to WebCE

  • XCEL Solutions

    Meets the requirement: take the 20-hour course.

    $199.00 to $299.00

    See 3 options ▾

    Listed as "XCEL SOLUTIONS LLC", provider 0950, holding course 60731 "LIFE INSURANCE PRE-LICENSING", filed as type Life at 20 hours, self-study

    • Michigan Life Pre-licensing (English, Online Self-Paced)

      $199.00

    • Michigan Life and Health Pre-licensing

      $199.00

    • Michigan Life and Health Pre-licensing Premier

      $299.00

    Go to XCEL Solutions

  • Mometrix

    Exam practice. It does not satisfy the course requirement.

    $59.99/month

    See 1 option ▾

    • Life and Health Insurance Exam Prep Course

      $59.99/month

    Go to Mometrix