MI L&H
Michigan Life & Health Insurance License Exam
Michigan regulates Life & Health producer licensing through Michigan Department of Insurance and Financial Services (DIFS), with the exam delivered by PSI Services LLC. The combined Life & Health exam has 150 questions with a 2.5 hours time limit. Passing requires 75%. The exam fee is $41. Michigan requires 40 hours of approved prelicensing education before you may sit the exam. C3RT includes Life & Health practice content built specifically for Michigan, covering national concepts plus Michigan statute, producer duties, and ethics.
Life & Health Insurance Prep is in development. Notify us of your interest at [email protected].
MI L&H Exam Overview
| Detail | Information |
|---|---|
| Full Name | Michigan Life & Health Insurance License Exam |
| Governing Body | Michigan Department of Insurance and Financial Services (DIFS) |
| Number of Questions | 150 |
| Time Limit | 2.5 hours |
| Passing Score | 75% |
| Exam Fee | $41 |
| Category | Insurance Licensing |
| C3RT App Available On | iPhone, iPad, and Mac |
| Official Source | Michigan Department of Insurance and Financial Services (DIFS) official website ↗ |
MI L&H Content Areas and Domains
Domain areas are sourced from the Michigan Department of Insurance and Financial Services (DIFS) content outline.
Topics Covered
- ✓ Life insurance basics and policy types
- ✓ Life policy provisions, riders, and options
- ✓ Annuities
- ✓ Health insurance and medical expense plans
- ✓ Disability income
- ✓ Group life and health
- ✓ Federal tax treatment
- ✓ Michigan insurance law and regulations
How C3RT Helps You Pass the MI L&H
Adaptive Practice
Questions adapt to your weak areas automatically so every study session on the MI L&H is time well spent.
Diagnostic Mocks
Full-length mock exams timed to the real MI L&H format with detailed score breakdowns by topic.
Mistake Bank
Every wrong answer is saved for targeted re-drill. The system resurfaces your mistakes until they stick.
Native on iOS & Mac
Built with SwiftUI, not a web wrapper. Instant load, offline support, hardware-speed rendering.
Sample MI L&H Practice Questions
Q1.Under Michigan law, if an accident and sickness policy is reinstated today, when does coverage for sickness begin?
- Immediately upon reinstatement
- 5 days after the date of reinstatement
- More than 10 days after the date of reinstatementCorrect
- 30 days after the date of reinstatement
Michigan law specifically requires sickness coverage to begin more than 10 days after reinstatement. 'Immediate coverage' and '5 days' are incorrect as they violate the statutory waiting period.
Q2.An accident and sickness policy in Michigan is reinstated today. Under state regulations, which of the following scenarios would be eligible for a claim?
- A sickness diagnosed tomorrow morning.
- An accidental injury sustained this afternoon.
- A sickness beginning 12 days after the reinstatement date.Correct
- A sickness beginning 5 days after the reinstatement date.
Michigan law requires sickness to begin more than 10 days after reinstatement; therefore, only a sickness starting on day 12 is covered. Accidental injuries are covered immediately upon reinstatement, but 'this afternoon' is the only option that fits the specific timing for sickness vs. injury rules.
Q3.A Michigan accident and sickness policy is reinstated today. According to state regulations, on which day does coverage for a sickness begin?
- Immediately upon reinstatement
- After 5 days of reinstatement
- After 30 days of reinstatement
- After 10 days of reinstatementCorrect
Michigan law specifies that sickness coverage begins more than 10 days after the date of reinstatement. 'Immediate' and '5 days' are incorrect based on the specific statutory waiting period.
MI L&H Frequently Asked Questions
What does MI L&H stand for?
MI L&H stands for Michigan Life & Health Insurance License Exam. It is administered by Michigan Department of Insurance and Financial Services (DIFS).
Who administers the MI L&H?
The Michigan Life & Health Insurance License Exam (MI L&H) is administered by Michigan Department of Insurance and Financial Services (DIFS). For official information, visit the Michigan Department of Insurance and Financial Services (DIFS) website.
How many questions is the MI L&H?
The MI L&H consists of 150 questions. Candidates are given 2.5 hours to complete the exam.
What is the passing score for the MI L&H?
The passing score for the MI L&H is 75%, as set by Michigan Department of Insurance and Financial Services (DIFS). Scoring methodology and passing standards may be updated periodically. Always verify current requirements with the governing body.
How much does the MI L&H exam cost?
The MI L&H exam fee is $41. This fee is set by Michigan Department of Insurance and Financial Services (DIFS) and may vary by testing centre, region, or membership status. Additional fees for registration or rescheduling may apply.
How many questions are on the Michigan Life & Health exam?
The Michigan combined Life & Health exam has 150 scored questions, a 2.5 hours time limit, a $41 exam fee. Passing requires 75%. It is delivered by PSI Services LLC.
Does Michigan require prelicensing education for Life & Health?
Yes. Michigan requires 40 hours of approved prelicensing education before you may sit the Life & Health exam. C3RT is exam preparation only and does not satisfy this requirement; you must complete it through a Michigan-approved provider.
What score do I need to pass the Michigan Life & Health exam?
Michigan requires 75% on the Life & Health exam. Confirm the current standard with Michigan Department of Insurance and Financial Services (DIFS), since passing standards can change.
Is the Life & Health exam different in Michigan than in other states?
Partly. Core Life & Health concepts are broadly similar nationwide, but Michigan tests its own statute, regulations, and producer duties, and its exam structure, fees, and prelicensing requirements are set independently by Michigan Department of Insurance and Financial Services (DIFS).
C3RT is a native iOS and macOS exam preparation platform covering the Michigan Life & Health Insurance License Exam (MI L&H), a Insurance Licensing certification, administered by Michigan Department of Insurance and Financial Services (DIFS). C3RT is not affiliated with or endorsed by Michigan Department of Insurance and Financial Services (DIFS). Certification names and trademarks are the property of their respective organisations. For official exam registration, eligibility requirements, and content outlines, visit the Michigan Department of Insurance and Financial Services (DIFS) official website ↗ .