Michigan Department of Insurance and Financial Services


Please Note

We are a service company that can help you file with the Michigan Department of Insurance and Financial Services. We are not associated with this nor any other government agency. We offer paid services and software to help you file. You are not required to purchase our service to file - you may file directly with this agency without using our service.


Contact Information

Physical address:
530 W. Allegan Street
7th Floor
Lansing, MI 48933

Phone: (517) 284-8800
Fax: (517) 284-8837

Web: Home Name search Forms

Licenses

We track the following licenses with the Michigan Department of Insurance and Financial Services in order to provide compliance services to our clients. As a client, you see this and other Compliance Core™ data in License Manager in-line with your licenses.

A laptop placed on a desk with our License Manager software on display

Michigan Counselor License - Non-Resident

Agency:Michigan Department of Insurance and Financial Services

Initial Registration

Filing Method:

Online

Agency Fee:

$20

Registration Renewal

Filing Method:

Online

Agency Fee:

$10

Due:

Annually by March 31.

Michigan Insurance Agency License

Agency:Michigan Department of Insurance and Financial Services

Initial Registration

This section applies to insurance firms that are applying for a license in Michigan for the first time.

Agency:Michigan Department of Insurance and Financial Services
Form:

http://www.michigan.gov/difs/0,5269,7-303-22535---,00.html

Agency Fee:

Varies by insurance type. Baseline of $15

Registration Renewal

This section applies to insurance firms that are already licensed in Michigan and need to renew their license.

Agency:Michigan Department of Insurance and Financial Services
Form:

http://www.michigan.gov/difs/0,5269,7-303-22535---,00.html

Agency Fee:

Varies by insurance type. Baseline of $15

Due:

Annually

Notes:

Resident and Non-Resident individual and business entity producers do not receive an invoice for license renewal annually.

Surplus Lines individual and business entity producers are required to complete the annual renewal process as indicated on the Renewal Information web page.

Renewal Not Required

Not required



Michigan Insurance Agent License

Agency:Michigan Department of Insurance and Financial Services

Initial Registration

This section applies to insurance agents that are applying for a license in Michigan for the first time.

Agency Fee:

From $10 to $110 depending on license type

Michigan Non-Resident Adjuster for Insured License

Agency:Michigan Department of Insurance and Financial Services

Initial Registration

Filing Method:

Online

Agency Fee:

$15

Michigan Non-Resident Insurance Adjuster License

Agency:Michigan Department of Insurance and Financial Services

Initial Registration

Filing Method:

Online

Agency Fee:

$15

Michigan Producer License - Non-Resident

Agency:Michigan Department of Insurance and Financial Services

Initial Registration

Filing Method:

Online

Agency Fee:

$10

Renewal Not Required

Not required



Michigan Producer License - Non-Resident

Agency:Michigan Department of Insurance and Financial Services

Initial Registration

Filing Method:

Online

Agency Fee:

$10

Renewal Not Required

Not required



Non-Resident individual and business entity (agency) producer licenses are perpetual as long as the home state license remains active and in good standing.

Michigan Resident Adjuster for Insured License

Agency:Michigan Department of Insurance and Financial Services

Initial Registration

Filing Method:

Online

Agency Fee:

$15

Michigan Resident Counselor License

Agency:Michigan Department of Insurance and Financial Services

Initial Registration

Filing Method:

Online

Agency Fee:

$20

Registration Renewal

Filing Method:

Online

Agency Fee:

$10

Due:

Annually by March 31.

Michigan Resident Insurance Adjuster License

Agency:Michigan Department of Insurance and Financial Services

Initial Registration

Filing Method:

Online

Agency Fee:

$15

Michigan Resident Producer License

Agency:Michigan Department of Insurance and Financial Services

Initial Registration

Filing Method:

Online

Agency Fee:

$10

Renewal Not Required

Not required



Michigan Resident Producer License

Agency:Michigan Department of Insurance and Financial Services

Initial Registration

Filing Method:

Online

Agency Fee:

$10

Renewal Not Required

Not required



Resident business entity (agency) licenses are not required to renew as long as the license remains active and in good standing.

Michigan Resident Surplus Lines License

Agency:Michigan Department of Insurance and Financial Services

Initial Registration

Filing Method:

Online

Agency Fee:

$110

Registration Renewal

Filing Method:

Online

Agency Fee:

$100

Due:

Annually by March 31.

Michigan Solicitor License - Non-Resident

Agency:Michigan Department of Insurance and Financial Services

Initial Registration

Filing Method:

Online

Agency Fee:

$20

Michigan Solicitor License - Resident

Agency:Michigan Department of Insurance and Financial Services

Initial Registration

Filing Method:

Online

Agency Fee:

$20

Michigan Surplus Lines License - Non-Resident

Agency:Michigan Department of Insurance and Financial Services

Initial Registration

Filing Method:

Online

Agency Fee:

$110

Registration Renewal

Filing Method:

Online

Agency Fee:

$100

Due:

Annually by March 31.

Michigan Surplus Lines Producer - Nonresident

Agency:Michigan Department of Insurance and Financial Services
Foreign Qualification is Prerequisite:No
Registered Agent (Special Agency) Required?No
Requirement Notes:

Only a person licensed for Surplus Lines in his or her home state may obtain a Michigan Non-resident Surplus Lines license.


It is further required that the individual hold an active Michigan non-resident property and casualty producer license as a  prerequisite to the Surplus Lines license. 


The property and casualty producer license may be applied for prior to applying for the Non-resident Surplus Lines license or done simultaneously.

Initial Registration

Filing Method:

Online

Agency Fee:

$110 application/license fee + $6.18 transaction fee = 116.18

Notes:

An application is good for six months from the date it was entered into the Department of Insurance and Financial Regulation (DIFS) database.

Registration Renewal

Filing Method:

Online

Agency Fee:

$100 renewal fee + $5.00 NIPR service fee = 105

Due:

Annually by March 31. The window opens February 1. 

Law:

 MCL 500.240(1)(i)

Notes:

The non-resident Surplus Lines licensee must comply with his/her home state continuing education requirements and remain in good standing. The status of the license may be verified on the NAIC Producer Database (PDB). If the pre-empting Property and Casualty or Accident and Health license is inactivated for any reason, the Surplus Lines license will be inactivated

Michigan Surplus Lines Producer - Resident

Agency:Michigan Department of Insurance and Financial Services
Foreign Qualification is Prerequisite:No
Registered Agent (Special Agency) Required?No
Requirement Notes:

Only a person licensed for Surplus Lines may solicit insurance, or bind coverage, or in any other manner act as an agent or broker in the transaction of surplus lines insurance pursuant to Chapter 12 and Chapter 19 of the Michigan Insurance Code.


To be eligible for a resident Surplus Lines license, an individual must hold an active property and casualty producer license as a prerequisite to the Surplus Lines license.

Initial Registration

Filing Method:

Online

Agency Fee:

$110 application/license fee + $6.18 transaction fee = 116.18

Notes:
  • An application is good for six months from the date it was entered into the Department of Insurance and Financial Regulation (DIFS) database.
  • You must successful complete the Surplus Lines examination. If the examination is not passed within six months, the applicant must submit a new license application, fee, and reschedule their examination. Visit our Examination Information page for information specific to the examination.

Registration Renewal

Filing Method:

Online

Agency Fee:

$100 renewal fee + $5.00 NIPR service fee = 105

Due:

Annually by March 31. The window opens February 1. 

Michigan Third Party Administrator License

Agency:Michigan Department of Insurance and Financial Services
Foreign Qualification is Prerequisite:No
Notes:

See checlkist here

Registered Agent (Special Agency) Required?No

Initial Registration

Form:

TPA Registration Application Procedures 

Filing Method:

Mail 

Agency Fee:

$200 application fee + $25 ceritficate fee + $25 financial statement review fee

Required Attachments:

Third Party Administrator Application for Certifcate of Authority, Financial Statement, Consent to Service, Affiliation Statement, Article of Incorporation, other official filinjg, Bylaws or operating agreement of the TPA, chart showing all of TPA applicants controlling subsidiary entities, current organization chart, verification of TPA applicant's owners' respective ownership, copy of sample serice contract, and  fee proccessing card. 

Registration Renewal

Instructions:

In January, an invoice in the amount of $25.00, along with annual statement filing instructions, are emailed to the contact person on file for each TPA.

Filing Method:

Email DIFS-Licensing@michigan.gov

Agency Fee:

$25

Law:

MCL 550.936

Penalties:

Failure to file, late filing, or incorrect payment will result in a penalty, including termination of your certificate of authority as a TPA. If concerns result from review of the annual statement filing, DIFS staff will contact the TPA regarding those concerns and how they can be eliminated. The Certificate of Authority is perpetual as long as the TPA is compliant with the TPA Act.

Required Attachments:

FIS 0850 Financial Statement for Third Party Administrators

FIS 0865 Third Party Administrator Jurat Page for Annual Renewal 

 

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