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Michigan Life & Health license exam prep

Michigan Life & Health Insurance Practice Test 2026

Practice the exam Michigan uses, from general life & health knowledge to Michigan's own insurance law. Every answer quotes the statute behind it.

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What the Michigan exam tests

General Insurance & Contract Law, Life Insurance Policies & Provisions, Annuity Products & Federal Taxation and Accident & Health Insurance, plus Michigan's own insurance law.

Michigan requirement to pass

150 scored questions, 2 hours 30 minutes allowed, 75% to pass.

Last verified September 2026 · Life, Accident and Health Producer Examination Content Outline (Series 16-80)

Michigan

Life & Health

Time per question
About 1 minute
Correct answers to pass
About 113 of 150
Combined or separate exams
One combined exam
Who runs the exam
PSI, an independent testing company
Exam fee
$41 listed (the exact fee depends on the exam you take)
State license fee
$10 listed (it depends on the license type), paid to the Michigan Department of Insurance
Pre-licensing education
Life: 20 hours required; Accident & Health: 20 hours required

From Michigan's published exam materials.

Study by topic

Master each topic before your Michigan exam. First 4 topics are free to start.

PersonalizedStudy your weak spots first PRO
Michigan insurance lawPRO86 questionsPractice run: State Insurance Statutes & Regulations20 questions free, 25 with Pro · mixed topicsStart run

Pro study tools

The free runs cover the basics. These tools answer one question: would you pass the Life & Health test today?

Your Life & Health readiness, before you book.

This is a sample report. With Pro, the score and every dimension come from your own answers.

SAMPLE SCORE BREAKDOWN
SAMPLE
Coverage62%
Accuracy78%
Test Performance71%
Memory66%
Speed84%
81% likely to pass (sample)Focus on: Coverage

About the Michigan Life & Health exam

The Life & Health exam licenses you to sell life insurance, annuities, and accident and health coverage. Every state writes its own version, and each one tests both general insurance knowledge and that state's insurance law.

What it covers

  • Life insurance policy types, provisions and riders
  • Annuities and how they are taxed
  • Accident and health insurance, including HMOs and managed care
  • Your state's producer licensing, marketing and unfair trade practice rules

Who takes it

New agents and career changers getting a first producer license, and agents adding life and health to an existing license.

Frequently asked questions

Michigan publishes 150 scored questions, with 2 hours 30 minutes to finish. Exams also include a few unscored pretest questions.

Michigan gives Life & Health as one combined exam.

Michigan sets the passing score at 75%.

Michigan uses PSI, an independent testing company that schedules and runs licensing exams. Its candidate handbook explains how to register and what to bring.

The testing company lists an exam fee of $41, paid when you register; the exact amount depends on which exam you take. The Michigan Department of Insurance lists $10 for the license itself, which depends on the license type. Fees can change, so confirm them when you book.

Life: 20 hours required; Accident & Health: 20 hours required. Confirm the current rule with the Michigan Department of Insurance before you register, because requirements change.

Retake rules come from Michigan and its testing vendor: you pay the fee again and, in some cases, wait a set number of days. Check the Michigan candidate handbook from the testing vendor for the exact figure.

Passing is one step. You then apply for the license through the Michigan Department of Insurance, usually with a background check and a fee.

Yes. Each state writes its own version, combining general life & health knowledge with Michigan insurance law.

More Michigan practice tests

Michigan Property & Casualty practice testMichigan Personal Lines practice test

Life & Health practice tests in other states

CaliforniaTexasFloridaNew YorkPennsylvaniaIllinoisOhioGeorgiaNorth CarolinaNew JerseyVirginiaWashington
See all Life & Health states →