- MI L&H is Series 16-80, administered by PSI for the Michigan Department of Insurance and Financial Services.
- Exam costs $41 and covers 150 scored questions plus up to 10 experimental items in 2 hours 30 minutes.
- Passing requires a 75% cut score; remote testing ended in June 2025, so you must test at a PSI center.
- Insurance Regulation is the heaviest domain at 11.5% of the exam.
What Is the MI L&H Certification?
The Michigan Life, Accident and Health Producer license - commonly shortened to MI L&H - is the state credential that authorizes an individual to sell, solicit, or negotiate life insurance, annuities, accident insurance, and health insurance products in Michigan. It is regulated by the Michigan Department of Insurance and Financial Services (DIFS) and delivered through PSI as exam Series 16-80. If you're still getting oriented, our overview of what MI L&H actually is and the plain-language breakdown of MI L&H meaning are good starting points before you dive into exam mechanics.
People sometimes ask "what does MI L&H stand for?" - the answer is literally in the name: Life, Accident and Health. It's a dual-line producer license, which is why the exam blends life insurance topics with accident and health insurance topics rather than testing them separately. For a fuller definition-style explainer, see what is a MI L&H and what does MI L&H mean.
Exam Format, Fees, and Registration
The MI L&H exam is built around 150 scored multiple-choice questions, with an additional 1 to 10 unscored experimental items mixed in that you cannot identify during the test. You get 2 hours and 30 minutes to finish, and you need a 75% score to pass. The exam fee is $41 per attempt, paid directly through PSI at the time of scheduling.
A critical logistical detail: Michigan discontinued remote insurance examinations in June 2025. That means every candidate now must test in person at an authorized PSI test center - there is no online or remote-proctored option anymore. If you were planning around home testing, budget travel time to a physical center into your exam scheduling decisions.
The current PSI candidate bulletin governing MI L&H took effect June 10, 2025, though the underlying cut score and content outline have been in place since May 1, 2020. That means the scoring standard and domain weightings you're studying against are stable and well-established, not a moving target.
Key Takeaway
Because remote testing is gone, schedule your PSI test center appointment early - especially if you live outside a major Michigan metro area, where slots can fill faster than you'd expect.
For a full accounting of every cost involved - exam fee, prelicensing course, fingerprinting, and license application - see our dedicated MI L&H certification cost breakdown. And if you want the exact numeric bar you're clearing, the MI L&H passing score guide walks through what 75% translates to in raw questions correct.
The 15 Content Domains
MI L&H is not evenly weighted. Fifteen domains cover regulation, general insurance concepts, life products, and accident and health products - but a handful of domains carry disproportionate weight, and knowing which ones matters more than knowing all fifteen equally.
Domain 1: Insurance Regulation (11.5%)
The single largest domain on the exam. Expect questions on producer licensing rules, DIFS authority, unfair trade practices, and Michigan-specific statutory requirements.
- Highest point value of any domain - master this first
Domain 2: General Insurance (10%) & Domain 3: Life Insurance Basics (10%)
These two domains tie for second place. General Insurance covers foundational contract law and risk concepts; Life Insurance Basics covers underwriting, policy types, and beneficiary designations.
- Combined, these two domains equal Insurance Regulation's weight
Domain 8: Accident and Health Insurance Basics (10%)
The largest health-side domain, mirroring the weight of the life-side basics domain. Expect coverage types, definitions, and basic policy structure questions.
- Pair your study of this with Domain 11 (Medical Plans) since they overlap conceptually
| Domain | Weight |
|---|---|
| 1. Insurance Regulation | 11.5% |
| 2. General Insurance | 10% |
| 3. Life Insurance Basics | 10% |
| 8. Accident and Health Insurance Basics | 10% |
| 11. Medical Plans | 9% |
| 14. Health Insurance for Senior Citizens and Special Needs Individuals | 8% |
| 5. Life Insurance Policy Provisions, Options, and Riders | 10% |
| 10. Disability Income and Related Insurance | 5.5% |
| 4. Life Insurance Policies | 5% |
| 9. Individual Accident and Health Insurance Policy General Provisions | 5% |
| 12. Group Health Insurance | 5% |
| 6. Annuities | 4% |
| 7. Federal Tax Considerations (Life) | 3.5% |
| 15. Federal Tax Considerations (Health) | 2% |
| 13. Dental Insurance | 1.5% |
Notice that Domains 1, 2, 3, 5, and 8 together account for over half the exam. If your study time is limited, that's where to concentrate first. For a domain-by-domain breakdown of exactly what topics live inside each of these fifteen areas, our complete guide to all 15 content areas goes deeper than a summary table can.
Prelicensing Education Requirements
Before you can even sit for the exam, Michigan requires 40 hours of combined Life and Health prelicensing education, unless you qualify for an exemption (such as holding certain professional designations already recognized by DIFS). This is a combined hour count - it's not 40 hours of life plus 40 of health, but 40 total covering both lines together, which reflects the dual-line nature of the license itself.
Two expiration clocks matter here, and candidates frequently overlook one of them:
- Your prelicensing education certificate is valid for 12 months from completion.
- Your passing exam result is also valid for 12 months.
If either window lapses before you complete the next step - scheduling the exam, or submitting your license application - you may need to retake that step. This makes timing your prelicensing course completion, exam date, and license application into a coordinated sequence rather than three independent tasks. Our detailed MI L&H requirements guide walks through eligibility, exemptions, and how to sequence these deadlines correctly.
Pass Rates and What They Mean for You
Michigan's most recent reporting period (July 2026) shows a 45.28% first-time pass rate and a 36.39% overall pass rate for the MI L&H exam. Those numbers tell you something important: a meaningful majority of candidates on any given attempt do not pass, including many taking the exam for the first time.
This isn't a reason for alarm, but it is a reason to take domain weighting seriously rather than studying every topic equally. Candidates who treat Insurance Regulation, General Insurance, Life Insurance Basics, and Accident and Health Insurance Basics as their core four - since together they're worth over 40% of the exam - tend to build a stronger foundation than those who spread attention evenly across all fifteen domains including the 1.5%-weighted Dental Insurance section.
For a closer look at how these figures break down and what they suggest about exam difficulty, read our full MI L&H pass rate analysis and the companion piece on how hard the MI L&H exam actually is.
Key Takeaway
With a 75% cut score against 150 scored questions, you have limited room for error - treat the top five domains as non-negotiable mastery, not optional review.
Building a Domain-Weighted Study Plan
A generic study calendar that ignores domain weight wastes hours on low-value material. Instead, sequence your preparation around point value, front-loading the domains that make up the bulk of your score.
Regulation and Foundations
- Insurance Regulation (11.5%) - DIFS rules, licensing law, unfair practices
- General Insurance (10%) - contract elements, risk and insurable interest
Life Insurance Core
- Life Insurance Basics (10%) and Life Insurance Policies (5%)
- Policy Provisions, Options, and Riders (10%)
Accident and Health Core
- Accident and Health Insurance Basics (10%) and Medical Plans (9%)
- Disability Income and Related Insurance (5.5%)
Remaining Domains and Full Review
- Senior/Special Needs Health (8%), Group Health (5%), Annuities (4%), Federal Tax (3.5% and 2%), Individual A&H Provisions (5%), Dental (1.5%)
- Full-length timed practice runs at ../
Spaced repetition works well specifically for the definition-heavy domains - riders, policy provisions, and federal tax rules are easy to confuse under time pressure, so revisiting flashcards on those topics every few days in the final week pays off more than in domains like General Insurance, where concepts build logically rather than requiring rote recall. For a condensed reference you can review the night before your exam, our one-page cheat sheet consolidates the must-know facts from every domain. And if you want a structured week-by-week plan built entirely around first-attempt success, the MI L&H study guide expands on this timeline in much more detail.
Regardless of which plan you follow, run full-length timed practice exams under real conditions. Practicing at MI L&H Exam Prep lets you simulate the 150-question, 2-hour-30-minute format so the real PSI test center experience doesn't feel unfamiliar.
Who Hires MI L&H Producers
Once licensed, MI L&H holders typically work for or contract with life insurance carriers, health insurance carriers, independent agencies, and financial services firms operating in Michigan. Because the license covers both life and health lines, it's attractive to employers who want producers capable of cross-selling term life, whole life, annuities, disability income, and medical or senior health products without needing separate single-line licenses.
Common roles include independent insurance agent, captive agent for a carrier, financial services representative selling annuities alongside life products, and benefits specialists working with group health plans. If you're evaluating whether pursuing this license fits your career goals, our guides on MI L&H jobs, the MI L&H salary guide, and the broader ROI analysis of whether MI L&H is worth it lay out the practical employment landscape in more depth than a single section can cover here.
For those newer to the industry, structured coursework can help translate the fifteen exam domains into workplace skill - see our overview of MI L&H training options if you're deciding between self-study and a formal course provider for your 40-hour prelicensing requirement.
Frequently Asked Questions
The exam has 150 scored multiple-choice questions plus 1 to 10 unscored experimental items, and you're given 2 hours and 30 minutes to complete it.
You need a 75% cut score, which has been in effect since May 1, 2020 along with the current content outline.
No. Michigan discontinued remote insurance examinations in June 2025, so candidates must now test in person at an authorized PSI test center under Series 16-80.
The exam fee is $41, paid through PSI when you schedule your test center appointment.
Insurance Regulation, at 11.5%, is the single largest domain on the exam, followed closely by General Insurance, Life Insurance Basics, Accident and Health Insurance Basics, and Policy Provisions/Options/Riders, each at 10%.
Understanding MI L&H as a Michigan-specific, dual-line producer license - governed by DIFS, tested through PSI, and scored against a fifteen-domain outline weighted toward regulation and foundational life and health concepts - is the first real step toward passing it. Everything from your prelicensing hours to your test center scheduling should be planned around those specifics rather than generic exam advice.