Most Michigan licensed producers and solicitors must earn 24 credits of State-approved education credit every two years.  Of the 24 credits, a minimum of 3 credits must be in ethics.  The "other" 21 credits may be in accident & health, life, property, casualty, etc.  If a licensee completes more than 3 credits in Ethics, any additional credits beyond the 3 required ethics credits will count toward the "other" 21 credits needed.

Yes. A waiver may be granted due to specific hardships, such as:

1. Terminal illness of licensee,
2. Illness of self or spouse requiring an inordinate time for care by the licensee, or
3. Military duty

This request must be in writing prior to the end of the licensee's review date. Requests must include the proof of hardship and should be sent or faxed to:

Office of Financial and Insurance Regulation
Continuing Education Waiver Request
PO Box 30220
Lansing, MI 48909

Fax: 517-241-3953

The request must include the following information:

• Current doctor's statement supporting the disability/illness or copies of the deployment papers.
• Description, in your own words, of the disability/illness or circumstances.
• Explanation of what functions you are performing as a producer.
• Impact the disability/illness has on your ability to function as an active producer.
• Reason you believe the disability/illness or circumstances prevented you from attending a "classroom" course or completing a "home-study" course.
• Specify the length of time of the waiver.

Your continuing education review date is determined by last name first initial and the last digit of your Social Security number.

Your first applicable review date is printed on your license document in the lower right hand corner. Check the online Insurance Licensee Locator or contact Prometric online or at 866-241-3115 to verify your review date.

Michigan is reciprocal with all other states. By meeting your home state CE requirements you will automatically comply with Michigan's requirements. Do not send anything to our office.

CE providers (schools) are required to send a roster of all licensees who complete a course and earn CE credit, along with paying the required fees. The providers must transmit this information to the insurance continuing education contractor within 30 days of the completion date. The contractor enters the credit information into their CE system. The CE system checks each entry to assure the provider and course are approved and that the licensee is contained in the master file supplied to the contractor by our office. Once everything has cleared, the data is sent electronically to our system. A licensee is NOT in compliance until all necessary credit hours are posted and the appropriate fees have been paid to the insurance continuing education contractor.

NOTE: Many national designation program providers do not report your hours automatically. Many require a nominal fee to report the hours on your behalf. Check the provider's reporting procedure at the time of registration. It is your responsibility to determine how the provider will collect this fee and report the hours and the $1.00 per credit
.

No. Records entered in the system will appear in our computer system the following day. Not all records keyed will appear in the system due to errors with the information supplied by the provider. A report is sent to each provider for resolution of the errors.

Yes. Providers are required to issue a Certificate of Completion within 30 days of completing a course. This Certificate of Completion is for your own records. Do not send fees or certificates to our office.

Check the online Insurance Producer Locator or contact Prometric online or at 866-241-3115.

The licensee must resolve discrepancies directly with the provider of the course in question. After you have unsuccessfully attempted to resolve these discrepancies with the provider, contact our office. Have your certificate of completion from the provider before you contact OFIR.

Your license will be suspended for a period of 90 days or until your 24-hour requirement is met. During suspension the law allows you to service your existing book of business BUT you may NOT transact any new insurance business. All carriers for which you are appointed will be notified that you are suspended and that they may NOT accept any new business from you as of the date they are notified.

The licensee suspensions are effective as of the first of the month of the CE review. The licensee is notified by mail of the suspension. We notify the companies that have appointed the licensee, but we allow a grace period before these are mailed. The companies are then instructed to accept any business you submit up until the date they are notified. This allows adequate time to clear up any errors on your credit posting, as well as getting any business produced by you in to the company before the notice arrives.

Your license and all appointments will be terminated. All companies for which you are appointed will be notified of your termination. To regain your license within one year of your review date, you must still earn the 24 credit hours and then reapply to the state for licensure and pay all appropriate fees.

Each licensee must maintain a current mailing address on file with our office. Access online Address Change information. Failure to maintain a current address with our office will result in fines and/or action against your license.