Michigan insurance CE courses

Curated courses matched to Michigan’s producers renewal mandates — with prices, accreditation, and format. Plain listings, no affiliate markup.

24CE hours every 2 yearsBoard-verified 10-06-2026

Renewal: License continuation every 2 years on a schedule set by the DIFS Director (birth-month based per DIFS); a 90-day grace period exists (no new sales during grace) — per MCL 500.1204c. Max 12h carryover to the next 2-year period (ethics hours excluded).

Source: Michigan Department of Insurance

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Mandated topics

TopicHoursFrequencyWho
Ethics3 hoursEach renewal periodAll producers
Annuity suitability / best-interest trainingCourseOne-timeProducers selling annuities
Long-term care trainingCourseEach renewal periodProducers selling long-term care insurance

Ethics (3 hours, each renewal period)

Ethics for the Insurance Services Practitioner

WebCE · 3h · self-paced · State DOI approved (WebCE insurance CE courses are approved by the Michigan DOI; completions are reported to the state.)

Note: Covers duties to clients, insurers, and the public plus ethical decision-making; WebCE reports completions directly to the state DOI. WebCE has offered insurance CE since 1992 (phone support 877-488-9308).

Ethics for Insurance Professionals

360training · 3h · self-paced · State DOI approved (360training ethics courses are approved by the Michigan Department of Insurance; credits are submitted to the state on completion with an instant certificate.)

Note: Scenario-based ethics training built for insurance producers; satisfies the standard 3-hour ethics requirement.

Annuity suitability / best-interest training (Course, one-time)

4-Hour Annuity Suitability and Best Interest Standards

WebCE · 4h · self-paced · State DOI approved (WebCE insurance CE courses are approved by the Michigan DOI; completions are reported to the state.)

Note: Meets the NAIC-model 4-hour annuity best-interest training required before selling annuities; covers product types, suitability, and disclosure duties.

Long-term care training (Course, each renewal period)

Long-Term Care Insurance — Initial Training

WebCE · 8h · self-paced · State DOI approved (WebCE insurance CE courses are approved by the Michigan DOI; completions are reported to the state.)

Note: 8-hour initial LTC training covering suitability, policy features, and the agent's responsibilities before selling long-term care insurance.

Long-Term Care Insurance — Refresher

WebCE · 4h · self-paced · State DOI approved (WebCE insurance CE courses are approved by the Michigan DOI; completions are reported to the state.)

Note: 4-hour ongoing LTC refresher for producers who already completed initial training; counts toward the renewal-period LTC requirement.

General electives

Fill your remaining hours with these board-accepted courses.

Life Insurance Concepts

WebCE · 7h · self-paced · State DOI approved (WebCE insurance CE courses are approved by the Michigan DOI; completions are reported to the state.)

Note: Policy types, underwriting, beneficiary designations, and taxation basics for life producers.

Health Insurance Programs for Seniors

WebCE · 2h · self-paced · State DOI approved (WebCE insurance CE courses are approved by the Michigan DOI; completions are reported to the state.)

Note: Medicare, Medigap, and senior-market health products; useful background for health-line producers.

Healthcare Options: HSAs, FSAs, HDHPs, QSEHRAs

WebCE · 4h · self-paced · State DOI approved (WebCE insurance CE courses are approved by the Michigan DOI; completions are reported to the state.)

Note: Consumer-directed health plans and account-based coverage — a current topic for health producers.

Fixed Annuities

WebCE · 4h · self-paced · State DOI approved (WebCE insurance CE courses are approved by the Michigan DOI; completions are reported to the state.)

Note: Fixed annuity contract features, crediting methods, and suitability; pairs with the annuity mandate course.

Employer Practices

360training · 6h · self-paced · State DOI approved (360training general CE course approved for state insurance CE.)

Note: Employment practices liability, workplace exposures, and coverage triggers for commercial clients.

Complete renewal bundles

One purchase covering your full 24-hour renewal — usually cheaper than buying courses individually.

All Lines Total Access CEBundle

Kaplan Financial Education · 24h · self-paced · State DOI approved (Kaplan Financial Education insurance CE library approved for Michigan CE.)

$69.00per year; unlimited coursesView course →

Note: One purchase covers your full 24-hour renewal: 365 days of unlimited access to Kaplan's Michigan-approved library, including ethics, law updates, and electives. Kaplan has provided insurance education for 80+ years.

Michigan Insurance CE Renewal PackageBundle

XCEL Solutions · 24h · self-paced · State DOI approved (XCEL Solutions CE packages approved for Michigan insurance CE.)

Note: 24-credit-hour package built for Michigan renewal, covering ethics plus electives; XCEL reports completions to the state. XCEL is a national insurance CE provider (in business since 2000).

Frequently asked questions

How many CE hours do Michigan insurance producers need?

Michigan insurance producers need 24 CE hours every 2 years.

What are the mandatory CE topics for Michigan insurance renewal?

Requirements include ethics (3 hours); annuity suitability / best-interest training (Course); long-term care training (Course). See the mandated topics table above for the full list.

When is the Michigan insurance CE deadline?

License continuation every 2 years on a schedule set by the DIFS Director (birth-month based per DIFS); a 90-day grace period exists (no new sales during grace) — per MCL 500.1204c. Max 12h carryover to the next 2-year period (ethics hours excluded).

How are Michigan insurance CE completions reported?

Most national providers report your completed hours directly to the state department of insurance. Keep your completion certificate until the credits appear in the state's records.

Disclaimer: CECourse is not affiliated with, endorsed by, or sponsored by any course provider listed on this page. We do not control provider pricing, course availability, content, accreditation status, or board reporting — all of which may change without notice. Course listings are curated for convenience and were last verified on 10-06-2026. Requirements change — always verify current mandates with the Michigan Department of Insurance. CECourse does not guarantee that any listed course satisfies your specific renewal requirements.

Other states

Michigan producers license requirements →