Part of the expanding PassProfessor catalog: 9,119 questions, covering the general property and casualty content areas and Michigan law and independently audited. Join the notify list and we will email you when enrollment opens.
What’s included
Depth where Michigan is different. No state tests its own law the way Michigan does. The no-fault auto system — personal injury protection (PIP), property protection, residual liability — the Essential Insurance Act, the Michigan Automobile Insurance Placement Facility, the Michigan Property and Casualty Guaranty Association, and the Worker’s Disability Compensation Act are not a short state supplement on this exam; Michigan law is woven through PSI’s outline from the first section to the last. Our Michigan bank holds 9,119 questions, and 1,625 of them test Michigan law specifically — company and producer regulation, the Essential Insurance Act, PIP and no-fault coverage, the Placement Facility, Michigan workers’ compensation — so the Michigan material can be drilled on its own, at depth, instead of skimmed at the end of a national course.
An explanation on every question. Every one of the 9,119 questions explains why the correct answer is right and why the tempting alternatives are wrong, in plain language. The explanation is the lesson; the question is how you find out you need it.
Practice exams at the real exam’s weights. Each full practice exam is generated fresh for that attempt — 150 questions in the proportions PSI’s official Michigan outline uses, from Insurance Regulation through Homeowners, Automobile, and the Commercial Package Policy. Questions you have not seen come first, and you never sit the same exam twice.
Drills by content area. Drill a single area — policy types, insurance terms and concepts, policy provisions and contract law — or sit the full 150-question simulation against the 2½-hour clock. The Michigan-law topics drill separately, topic by topic: drill PIP until the coverage choices stop blurring, then the Essential Insurance Act, then producer regulation. Your results break down by topic, so a weak area shows up in your practice data before it shows up on a score report.
Built for Michigan’s two-step reality. Michigan candidates carry two obligations most states split apart: a mandatory 40-hour course and a hard exam. The course teaches the material in a fixed sequence, on the provider’s schedule, and it ends with its own certification hurdle — but a course certificate is not the same thing as readiness for 150 outline-weighted questions at a 74% cut. This program is the second step, designed to run alongside your course or immediately after it: drill each content area as your course reaches it, use the Michigan-law topics to lock down the state material your course races through, and arrive at PSI having already sat full simulations at the real exam’s proportions. If you are instead taking the lines separately — Property (Series 16-67) first, Casualty (Series 16-68) second — the same bank serves you: the general content areas and Michigan-law topics are the substance of both single-line exams, and the drills do not care which sitting you are preparing for.
Questions that stay honest. Every item in the program is monitored from real student responses. Questions students find suspiciously easy or suspiciously hard are pulled for review, and anything found wrong is fixed or retired — the bank you practice on is the bank as it should be. The Michigan program is one state in a 50-state library of 478,523 insurance practice questions, all built and screened the same way.
This program is part of the expanding PassProfessor catalog — join the notify list and we’ll email you when enrollment opens.
Michigan licenses property and casualty producers through one combined exam — the Michigan Property and Casualty Producer/Solicitor exam, Series 16-81, given by PSI for the Department of Insurance and Financial Services (DIFS): 150 questions in 2½ hours, and 74% correct — 111 of 150 — to pass. PassProfessor’s Michigan program will give you 9,119 original practice questions covering the general property and casualty content areas and Michigan law — including 1,625 questions on Michigan statutes, no-fault auto, and producer regulation alone — with an explanation on every question and full practice exams generated fresh, weighted to PSI’s official outline, every time you sit one. A free sample comes with the program; the full Michigan program will be $29 when enrollment opens. One warning before anything else: Michigan requires 40 hours of pre-licensing education before this exam, and this program is exam practice, not that course — see the at-a-glance section below.
The real exam at a glance
Current as of October 2026, per the PSI Michigan Licensing Examination Candidate Information Bulletin (effective June 10, 2025), PSI’s content outline for Series 16-81, and DIFS’s published examination information. Full detail — eligibility, the 40-hour education requirement, registration, retakes, test day — is in our Michigan insurance exam guide.
| Michigan Property and Casualty Producer/Solicitor exam (Series 16-81) | |
| Administered by | PSI Services LLC, for the Michigan Department of Insurance and Financial Services (DIFS) |
| Questions | 150 |
| Unscored experimental questions | A small number may be added on top of the 150 (the bulletin puts it at one to ten, generally about 10% of the exam); they do not affect your score but do use your time |
| Time limit | 2½ hours (150 minutes) |
| Passing standard | 74% correct — 111 of 150 questions |
| Exam fee | $41, paid to PSI when you reserve |
| License application fee | $10, paid through NIPR when you apply (separate from the exam fee; NIPR adds a transaction fee) |
| Pre-licensing education | 40 hours required before the exam (20 property + 20 casualty) from a DIFS-approved provider — this program does not satisfy it |
- The 74% bar is higher than most states’ — and Michigan publishes what it costs. DIFS’s own exams-administered performance report for calendar year 2025 shows first-time candidates passed this exam at a rate of about 45% (1,236 of 2,719), and repeat candidates at about 26%. This is not an exam to walk into on general knowledge alone.
- Michigan’s cut score is a percentage, not a scaled score. DIFS sets each exam’s cut score on a criterion-referenced basis — the share of questions a minimally competent new producer should answer correctly. For Series 16-81 that share is 74%, so your practice target is concrete: answer three of every four questions correctly, with margin.
- The exam is in-person only. DIFS discontinued remote proctored insurance exams effective June 10, 2025; you will test at a PSI testing center.
- Two clocks start before you ever test. Your pre-licensing certificate is valid for 12 months from course completion, and you must pass inside that window or repeat the education. Your passing score is then valid for 12 months from the pass date. Candidates who spread the process out casually are the ones who end up re-buying a course; candidates who test promptly after finishing it are not.
- Michigan also offers the lines separately. If you would rather take two shorter exams, the Property Producer/Solicitor exam (Series 16-67) is 100 questions in 2 hours at a 75% cut, and the Casualty Producer/Solicitor exam (Series 16-68) is 100 questions in 2 hours at 74% — each with its own 20 hours of required education. The combined Series 16-81 is one sitting instead of two, at the lower of the two cut scores.
- Education comes first, by law. Under Michigan’s Insurance Code, your exam result will be invalidated if you had not completed the required pre-licensing education before testing. Complete the 40 hours, then test — and pass within 12 months of finishing the course, or the education must be repeated.
How the practice maps to the real exam
Coverage below is described by content area, using the Michigan bank’s own topic headings, counted question by question from the bank. The general portions are organized under broad content headings — types of policies, insurance terms and concepts, policy provisions and contract law — that span the property and casualty halves of PSI’s outline. The Michigan-law portions are organized under Michigan-specific topics, because that is how Michigan tests them.
General portions — 7,494 questions
| Content area | Practice questions |
| Insurance Terms and Related Concepts | 2,249 |
| Types of Policies, Bonds, and Related Terms | 1,724 |
| Types of Policies | 1,649 |
| Policy Provisions and Contract Law | 974 |
| Policy Provisions | 898 |
Michigan law — 1,625 questions
| Michigan topic | Practice questions |
| Company Regulation | 365 |
| Michigan Laws, Regulations, and Required Provisions | 246 |
| Essential Insurance Act | 120 |
| Personal Injury Protection | 93 |
| Continuing Education Requirements | 83 |
| Types of Licensees | 60 |
| Michigan Automobile Insurance Placement Facility | 60 |
| PIP Coverage–Michigan | 48 |
| Producer Regulation Duties | 40 |
| Michigan Motor Vehicle Financial Responsibility Law | 38 |
| Residual Liability | 37 |
| Benefits Provided (workers’ compensation) | 30 |
| No-Fault Automobile Coverage | 27 |
| Covered Injuries | 24 |
| Plus ~354 more across roughly two dozen further Michigan topics — fiduciary responsibilities, reporting of actions, termination of appointment, penalties and fines, insurance fraud regulation, property protection, suspension and revocation, aftermarket crash parts regulation, consumer privacy, cancellation and nonrenewal grounds, misrepresentation, rebating, and more |
Total: 9,119 questions, every one with an explanation.
What the real exam’s weights say about where to study. On PSI’s official outline, Property and Casualty Insurance Basics is the largest single section at 30 of 150 questions — and it carries Michigan Laws, Regulations, and Required Provisions and the Essential Insurance Act inside it. Homeowners and Automobile carry 22 each; the Automobile section’s law block (no-fault, PIP, property protection, residual liability, the Placement Facility, financial responsibility, cancellation grounds) is the densest Michigan material on the exam. Insurance Regulation’s 15 questions are Michigan law from first to last. Add the Michigan Worker’s Disability Compensation Act topics inside Workers’ Compensation and the Michigan special provisions inside Homeowners and Dwelling, and well over a third of the real exam turns on Michigan-specific law or Michigan-specific institutions. That is the distribution the 1,625-question Michigan-law library above is built to serve — it is not an add-on to the general bank; on this exam, it is close to the main event.
Full practice exams are drawn at the weights of PSI’s official outline for the real exam — Property and Casualty Insurance Basics is the largest single section at 30 of 150 questions, followed by Homeowners and Automobile at 22 each — so the practice you sit is proportioned like the test you will take, even though the bank’s drill library is organized by content area.
How to use it
- Join the notify list today. When enrollment opens, start with free sample questions — a fixed set of Michigan questions across the general content areas and Michigan law, with full explanations — enough to see how the program teaches and where you stand.
- Drill the Michigan-law topics early and separately. No-fault/PIP, the Essential Insurance Act, the Placement Facility, and producer regulation are concrete, rule-based material that rewards direct study — and they are the topics a national textbook covers thinnest. Do not leave them for the final week.
- Drill by content area. Work your weakest general areas — policy types and insurance terms together make up more than half the general bank — until the misses stop repeating.
- Sit full generated exams against the clock. 150 questions in 150 minutes is exactly a minute per question, before the unscored experimental items PSI may add. Practice the pace, not just the material, and aim well above 74% — DIFS’s published results say the first-time pass rate is under half.
- Book the real exam through PSI when your practice scores sit comfortably above the cut on full simulations — remembering that your 40 hours of pre-licensing education must already be complete, and that your passing score stays valid for 12 months while you apply through NIPR.
Pricing
$29 — the full Michigan program, when enrollment opens. All 9,119 questions, every explanation, unlimited fresh practice exams and topic drills. If it isn’t for you, our refund policy gives you 14 days provided you have attempted less than 20% of the program (see the site Terms for the full policy).
For comparison, as of October 2026: WebCE’s practice-only Exam Tutor costs $39.95 with no published question count; Kaplan’s standalone InsurancePro QBank starts at $69; full pre-licensing courses from the national providers run $129 to $349. Michigan requires you to buy a 40-hour pre-licensing course from an approved provider anyway — that purchase is not optional, and it is not this product. What this program adds, for less than any of the practice products above, is 9,119 questions of deliberate exam practice on top of that course, with the deepest Michigan-law drill library in the set.
This program is part of the expanding PassProfessor catalog — join the notify list and we’ll email you when enrollment opens.
Frequently asked questions
How many questions are on the Michigan property and casualty exam?
150 questions in 2½ hours. PSI’s bulletin adds that a small number of unscored experimental questions — one to ten, generally about 10% of the exam — may be administered on top of the 150; they are not identified, they do not affect your score, and they do count against your time. Treat every question as if it counts, because you cannot tell which ones do not.
What score do I need to pass the Michigan P&C exam?
74% correct — 111 of the 150 questions. Michigan sets its cut scores as percentages rather than scaled scores, and the P&C combined exam’s 74% is higher than the flat 70% many states use. The separate Property exam (Series 16-67) requires 75% and the separate Casualty exam (Series 16-68) 74%, if you take the lines one at a time instead.
Does Michigan require pre-licensing education for a P&C license?
Yes — 40 hours for the combined property and casualty license (20 hours of property and 20 hours of casualty), from a DIFS-approved provider, completed before you take the exam. Testing before completing it invalidates your result. Your certificate of completion is valid for 12 months, and you must pass the exam inside that window. DIFS can waive the requirement for holders of certain professional designations (including CPCU, CIC, AAI, CLU, and ChFC) or a qualifying concentration of college insurance credits, but the waiver must be requested in writing and granted before you schedule.
Does this program count as pre-licensing education?
No. PassProfessor is exam preparation only. It provides no education credit in any state, it is not a DIFS-approved pre-licensing course, and it does not satisfy Michigan’s 40-hour requirement. You still need those hours from an approved provider — this program prepares you to pass the exam itself, and it works best alongside, or right after, your required course.
How much does it cost to get a Michigan P&C license?
The exam fee is $41, paid to PSI for each attempt. The license application fee is $10, paid through NIPR when you apply, plus NIPR’s transaction fee. Your required 40-hour pre-licensing course is priced by the provider you choose and is a separate purchase. This practice program is $29.
Who administers the Michigan insurance exam, and where do I register?
PSI Services LLC administers the exam for DIFS. Register online through PSI’s Michigan insurance portal (test-takers.psiexams.com/midifs) or by phone at 855-579-4639. Since June 10, 2025 the exam is offered in person at PSI testing centers only — remote proctored testing was discontinued by DIFS.
What do I do after I pass?
Apply for the license through NIPR (www.nipr.com) — Michigan files producer applications electronically through NIPR, and DIFS will not approve the application until your pre-licensing education and passing score are both on record. Your passing score is valid for 12 months from the pass date. Once licensed, you still need an appointment from each insurer whose products you will sell before you can act for that insurer.
How long is my passing score good for?
Twelve months from the date you pass, per PSI’s bulletin. Note the second clock running alongside it: your pre-licensing certificate is valid for 12 months from course completion, and you must pass inside that window — if both clocks are running, plan against the earlier deadline.
What happens if I fail?
You rebook with PSI and test again — you cannot retest the same day, but the bulletin gives the example of a candidate who tests unsuccessfully on a Wednesday calling Thursday and retesting as soon as Friday, space permitting. The $41 fee applies to each attempt, and the bulletin states no cap on the number of attempts. Your emailed score report includes a diagnostic breakdown of your strengths and weaknesses, and your practice results here break down by the same content areas, so a retake plan can target what actually cost you.
Are these the actual exam questions?
No. Every PassProfessor question is written by us, from scratch, to the content areas PSI’s published Michigan outline covers and to Michigan insurance law. We never use real exam questions, recalled questions, or another provider’s bank — and using actual exam content would violate the candidate rules you agree to when you test.
Why does the Michigan-law part get its own drills?
Because Michigan law is not confined to one part of this exam. The entire Insurance Regulation section is Michigan law; Michigan statutes sit inside the Basics section; the Automobile section is built around no-fault, PIP, property protection, and residual liability; and the workers’ compensation section tests Michigan’s own act. Our bank holds 1,625 Michigan-law questions — on the Essential Insurance Act, the Placement Facility, PIP, producer regulation, and more — so each of those topics can be drilled on its own until it stops costing you points.
How is this different from a pre-licensing course?
A pre-licensing course teaches the material in a sequence and satisfies Michigan’s 40-hour mandate — you are required to buy one, and this is not it. This program is the practice layer: 9,119 original questions with explanations, generated exams at the real outline’s weights, and Michigan-law drills, for $29. Courses teach; this makes sure the teaching survives contact with a 150-question, 74%-to-pass exam that fewer than half of first-time candidates passed in 2025.
When can I enroll in the Michigan program?
Enrollment for this program opens as the catalog expands. Join the notify list on this page and we will email you when enrollment opens.
Disclaimer
PassProfessor is an independent exam-preparation program. It is not affiliated with, endorsed by, or sponsored by the Michigan Department of Insurance and Financial Services (DIFS) or PSI Services LLC. It is exam preparation only: it is not pre-licensing education, provides no education credit, and does not satisfy Michigan’s 40-hour pre-licensing education requirement, which must be completed with a DIFS-approved provider. Practice questions are original works written for preparation; they are not actual examination questions. Exam facts on this page are drawn from the official sources logged below and are current as of October 2026 — confirm current requirements with DIFS and PSI before registering.