Michigan Insurance Producer CE Requirements, Explained
Last reviewed June 2026 against the official sources linked below. Requirements change — always confirm with your board before relying on them.
Total hours
24 hours per term
Renewal cycle
Every 2 years
Ethics requirement
3 hrs (within the 24)
Issued by
MI Dept. of Insurance and Financial Services
Michigan requires 24 hours of continuing education every two-year license term, including 3 hours of ethics. The detail that catches producers off guard is the deadline: everything must be completed at least 45 days before your renewal, so your real cutoff is well ahead of the date on your license.
The Michigan Department of Insurance and Financial Services (DIFS) oversees producer licensing. Your term is tied to the first day of your birth month, and whether you renew in an odd or even year depends on your birth year.
The base requirement: 24 hours, 3 of them ethics
DIFS requires resident producers to earn 24 credits of state-approved continuing education every two years, of which at least 3 credits must be ethics. The ethics credits count within the 24, not on top of it. Producers born in an even year renew in even years; those born in an odd year renew in odd years.
The 45-day rule, carryover, and repeats
- Complete all 24 hours at least 45 days before your renewal deadline - your effective cutoff is more than a month earlier than the printed date.
- Your license term is based on the first day of your birth month, every two years.
- Up to 12 hours carry over to the next term as general credit - but ethics hours cannot be carried forward to satisfy the next term's ethics requirement.
- You cannot take the same course more than once in a two-year term.
Stop tracking this in a spreadsheet
Progress rings per requirement, private certificate storage, deadline reminders, and a one-click audit packet. Set up in two minutes — free for your first license.
Start tracking — freeThe multi-state angle
Michigan's 45-day-ahead deadline is the kind of rule that quietly breaks a multi-state producer's routine: most states let you work right up to the renewal date, so it is easy to apply that habit to Michigan and come up short. Pair that with a birth-month cycle and an ethics-carryover restriction, and Michigan needs its own deadline math. When you hold several state licenses, no single regulator is tracking the overlap for you.
How CredTally keeps this on autopilot
- Track 24 hours with a dedicated 3-hour ethics bucket - the dashboard shows each separately and tracks carryover up to 12 general hours.
- Multi-state producers: every license gets its own card, deadline, and reminders, set to Michigan's earlier 45-day cutoff.
- Store every certificate with the course it proves, so DIFS reviews and renewals are a download, not a hunt.
- Reminders at 90, 60, 30, and 7 days before each license's deadline, with your remaining hours front and center.
- Export a dated PDF packet - summary plus every certificate - for an audit or carrier review in one click.
Frequently asked questions
How many CE hours do Michigan insurance producers need?
Twenty-four credits every two years, including at least 3 credits of ethics, for resident producers.
When is Michigan insurance CE due?
All 24 hours must be completed at least 45 days before your renewal deadline. Your term is based on the first day of your birth month.
Can I carry over extra CE hours in Michigan?
Yes - up to 12 hours carry over as general credit, but ethics hours cannot be carried forward to satisfy the next term's ethics requirement.
Do I renew in an odd or even year in Michigan?
It depends on your birth year - producers born in an even year renew in even years, and those born in an odd year renew in odd years.
Official sources
CredTally is a record-keeping tool and is not affiliated with any licensing board. This guide is general information, not legal or compliance advice.
CredTally tracks all of this for you
Progress rings per requirement, private certificate storage, deadline reminders, and a one-click audit packet. Set up in two minutes — free for your first license.
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