The Michigan Personal Lines license
Personal Lines
Sells the household half of property and casualty in Michigan. Its twenty hours are property and casualty coursework rather than a course of its own.
Course
20 hrs
The shortest single course route.
Ways in
5
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.
-
Route 1 Take the 20-hour course
State exam required
-
20 hours of pre-licensing education for the Personal Lines 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
-
-
Route 2 Complete the 40-hour property and casualty program instead
State exam required
-
40 hours of program of study for property and casualty producers and solicitors, approved by the Department , completed within 1 year
MCL 500.1204a(1)(b)(vii) in as many words: a program of study completed under that subparagraph satisfies the program of study requirements for personal lines producers and solicitors. Forty hours rather than twenty, and free to anyone taking property and casualty anyway.
Read at legislature.mi.gov on 2026-08-15
-
-
Route 3 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
-
-
Route 4 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
-
-
Route 5 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. All 5 of the courses sold for this license satisfy the requirement above. Each seller opens to what it holds and what each package costs.
-
A.D. Banker & Company
Meets the requirement: take the 20-hour course.
$169.95 to $296.85
See 3 options Hide ▾Listed as "A.D. BANKER & COMPANY LLC", provider 0432, holding course 64336 "PERSONAL LINES (PE)", filed as type Personal Lines at 20 hours, self-study
-
MI Personal Lines, SILVER
Online Course read 2026-08-22
$169.95
-
MI Personal Lines, GOLD
Online Course · Flash Cards read 2026-08-22
$196.90
-
MI Personal Lines, PLATINUM
Online Course · Flash Cards · Web Class Subscription read 2026-08-22
$296.85
-
-
ExamFX
Meets the requirement: take the 20-hour course.
$169.95 to $299.95
See 3 options Hide ▾Listed as "EXAMFX, INC", provider 0792, holding course 52657 "PRELICENSING FOR PERSONAL LINES 2009", filed as type Personal Lines at 20 hours, self-study
-
Michigan Personal Lines - 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 Personal Lines - 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 Personal Lines - 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
-
-
Kaplan Financial Education
Meets the requirement: take the 20-hour course.
$349.00
See 1 option Hide ▾Listed as "KAPLAN FINANCIAL", provider 0004, holding course 72798 "INSURANCE PRE-LICENSING - PERSONAL LINES ONLINE", filed as type Personal Lines at 20 hours
-
Career Launcher Package (MI - Personal Lines)
$349.00
-
-
WebCE
Meets the requirement: take the 20-hour course.
$109.95 to $159.95
See 2 options Hide ▾Listed as "WEBCE, INC", provider 0484, holding course 82559 "MI PERSONAL LINES PRODUCER EXAM PREP COURSE", filed as type Personal Lines at 20 hours
-
MI Personal Lines Producer Exam Prep Complete Package
$109.95
-
MI Personal Lines Producer Exam Prep Plus Complete Package
$159.95
-
-
XCEL Solutions
Meets the requirement: take the 20-hour course.
$199.00 to $299.00
See 2 options Hide ▾Listed as "XCEL SOLUTIONS LLC", provider 0950, holding course 89966 "MICHIGAN PERSONAL LINES PRELICENSING", filed as type Personal Lines at 20 hours, self-study
-
Michigan Personal Lines Pre-licensing
$199.00
-
Michigan Personal Lines Pre-licensing Premier
$299.00
-
