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Introduction

A counselor’s license will allow a person to counsel in the areas of life (LI) insurance and/or property and casualty (Multiple Lines P&C) insurance. The State of Michigan does not issue a license for counseling accident and health insurance. Individuals desiring to counsel in accident/health insurance must pass either the life counselor or P&C counselor examination and maintain the accident and health qualification as a producer. Persons admitted to the practice of law in Michigan may counsel insurance without obtaining a license but cannot represent themselves as licensed counselors by the State of Michigan.

Only persons licensed as Counselors may

  1. Audit or abstract insurance policies or annuities.
  2. Provide advice, counsel, or opinion with respect to benefits promised, coverage afforded, terms, value, effect, advantages, or disadvantages of a policy of insurance or annuity.
  3. Advertise, solicit business, hold themselves out to the public as an insurance counselor, or use such terms as "consultant", "consulting services", or any other language that implies licensed Insurance Counselor.

General Information

• How to become licensed as a counselor

• If a background information question is answered "yes"


Once You Are Licensed

• Reinstatement

• Refunds

• License Status Definitions

• Renewal and Cancellation


Related Topics

• Address Changes

• Document Requests

• Name Changes

• Instant Licensing

• Returned Checks

• Termination of Insurance Licenses


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 •  Insurance Producer, Adjuster, Counselor, and Solicitor Locator
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 •  Insurance Code: 1956 PA 218

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