Insurance License Hub

The Michigan Property license

Property

Sells property insurance in Michigan, licensed apart from Casualty.

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 Property 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 6 options ▾

    Listed as "A.D. BANKER & COMPANY LLC", provider 0432, holding course 52560 "PROPERTY ONLY 2009", filed as type Property 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 3 options ▾

    Listed as "EXAMFX, INC", provider 0792, holding course 52656 "PRELICENSING FOR PROPERTY-2009", filed as type Property at 20 hours, self-study

    • Michigan Property and Casualty - 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 Property and Casualty - 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 Property and Casualty - 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.

    $329.00

    See 1 option ▾

    Listed as "KAPLAN FINANCIAL", provider 0004, holding courses 72796 "INSURANCE PRE-LICENSING - PROPERTY ONLINE" and 73124 "INSURANCE PRE-LICENSING - PROPERTY PRINT", both filed as type Property at 20 hours

    • Premium (Live Online) - Property & Casualty (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 3 options ▾

    Listed as "WEBCE, INC", provider 0484, holding course 79557 "MI PROPERTY PRODUCER EXAM PREP COURSE", filed as type Property at 20 hours. Its course 79556 is the combined property and casualty program at 40 hours

    • MI Property Producer Exam Prep Complete Package

      $109.95

    • MI Property and Casualty Producer Exam Prep Complete Package

      $109.95

    • MI Property and Casualty 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 2 options ▾

    Listed as "XCEL SOLUTIONS LLC", provider 0950, holding course 80014 "MICHIGAN PRELICENSING EDUCATION - PROPERTY INSURANCE", filed as type Property at 20 hours, self-study

    • Michigan Property and Casualty Pre-licensing

      $199.00

    • Michigan Property and Casualty 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 ▾

    • Property and Casualty Exam Prep Course

      $59.99/month

    Go to Mometrix