Are these insurance exam practice tests really free?

Yes! Our practice tests are 100% free with no registration required. You can take unlimited practice tests for Life, Health, and Property & Casualty insurance exams across all 50 US states and DC.

How many questions are included in the practice tests?

We offer over 1300 practice questions - 401 for Life, 400 for Health, and 534 for Property & Casualty - covering the major topics tested on insurance licensing exams, each with a detailed explanation.

Do I need to create an account to use the practice tests?

No account or registration is required. Simply choose your license type and state, then start practicing immediately. Your progress is saved locally in your browser.

Are the practice questions similar to the actual insurance exam?

Our questions are designed to mirror the format and difficulty of actual state insurance licensing exams. They cover the same topics and concepts tested on real exams.

Which states are covered by these practice tests?

We provide practice tests for all 50 US states plus the District of Columbia. Each state page includes exam information and links to that state's official insurance department.

Is there a free insurance license practice test for my state?

Yes. Every state page offers a free insurance license practice test in three modes - a timed mock exam that mirrors your state's real question count and time limit, an instant-feedback quiz, and review mode - for Life, Health, and Property & Casualty. No account is needed.

Do you have a life and health insurance practice exam?

Yes. The life and health exam page covers the states that test both lines in one sitting (Texas, Ohio, Georgia, Florida and New York) with verified exam facts, and links to both practice banks so you can prepare for the combined exam.

Which of the following would violate Michigan's anti-rebating law?

Offering an annuity applicant shares of stock in a corporation as an inducement to purchase the contract

Paying a policy dividend that is expressly provided for in the contract

Explaining that a mutual insurer's participating policy may pay dividends

Quoting a lower premium because the applicant qualifies for a filed nonsmoker classification

A Michigan life insurer receives a completed proof of loss on a death claim and does not pay within the statutory period. What penalty does Michigan impose?

Simple interest at 12% per annum, paid in addition to and at the time of payment of the claim

Simple interest at 6% per annum, running from the date of the insured's death rather than from proof of loss

Compound interest at 12% per annum, payable to the Director as a civil fine rather than to the claimant

Simple interest at 12% per annum, owed once the claimant obtains a court judgment against the insurer

Under Michigan law, after what period of time in force during the insured's lifetime must a life insurance policy become incontestable?

6 months from its date of issue

A 30-year-old parent wants the largest possible death benefit for the lowest current outlay to protect her family until the children are grown, and she has no interest in accumulating cash value. Which policy best fits?

Level term insurance for a 20-year period

Two business partners buy life insurance on each other to fund a buy-sell agreement. Years later the partnership is dissolved, but one former partner keeps the policy in force and the insured then dies. May the insurer refuse the claim for lack of insurable interest?

No, because insurable interest is required only when the policy is issued, and it existed then

Yes, because insurable interest must exist at the time of death

Yes, unless the insured's family consents to payment

No, because business policies never require insurable interest

An insurer wants to rely on an applicant's written answers to contest a life insurance claim. Under the standard entire-contract provision, what generally must be true for those answers to be part of the legal contract?

A copy of the application must be endorsed on or attached to the policy when it is issued

The agent must have witnessed the applicant's signature

The answers must have been given under oath

The answers must be notarized within 30 days of delivery

An applicant pays the first premium with his application and receives a conditional receipt. He dies ten days later, before the policy is issued. Underwriting shows he was insurable as a standard risk on the application date. What is the likely result?

The death benefit is payable, because coverage became effective when the receipt's insurability condition was satisfied

Only the premium is refunded, because no policy was ever delivered

Nothing is payable, because conditional receipts never provide coverage before issue

Half the face amount is payable as a compromise settlement

Four workers each want to make salary-deferral contributions to a 403(b) tax-sheltered annuity through their employer. Who is eligible?

A teacher employed by a public high school

A marketing manager at a for-profit software company

A self-employed retail store owner

A loan officer at a commercial bank

A firm with 40 employees already maintains a 401(k) plan and asks a producer about adding a SIMPLE IRA plan for the same workforce. What should the producer explain?

It generally cannot adopt a SIMPLE plan, because an employer with a SIMPLE IRA cannot maintain another retirement plan

It may add the SIMPLE plan as long as total contributions stay within limits

It may add the SIMPLE plan only if it freezes 401(k) matching

SIMPLE plans are available only to employers with more than 100 employees

A 30-year-old in a modest tax bracket wants her retirement account distributions to come out completely tax-free and is willing to give up any current-year deduction to get that result. Which arrangement fits?

A Roth IRA, funded with after-tax contributions

A traditional IRA, funded with deductible contributions

A nonqualified deferred annuity

A SEP IRA funded by her employer

An employee complains that his private-sector employer offers no pension plan and insists that federal law requires one. Regarding ERISA, what is the accurate response?

ERISA does not require an employer to establish a plan; it sets minimum participation, vesting, accrual, and funding standards and fiduciary duties for plans that are voluntarily established

ERISA requires every employer with 10 or more workers to fund a pension

ERISA guarantees each worker a benefit equal to final salary

ERISA applies only to government and church plans

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Michigan Life Insurance Practice Exam Free - 2026

Michigan licenses producers through DIFS with PSI-administered exams, and its distinctive no-fault auto history makes insurance knowledge especially valuable here. Prepare free with questions and explanations before you book. Access 312+ free Life Insurance questions with detailed explanations.

Exam quick facts. The Michigan Life Insurance exam: 100 questions in 120 minutes; passing score 72%; exam fee $41; administered by PSI; 40-hour prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source

312+ Questions

Unlimited Practice

Michigan Specific

How the Michigan Life Insurance exam compares

The Michigan Life exam is 100 questions, 120 minutes, a 72% cut score. The examination fee is $41.

At 72%, Michigan sets a higher bar than the 70% most states require, which leaves less room for error than candidates expect.

Michigan requires 40 hours of prelicensing education before you may sit - one of the heaviest classroom requirements in the country.

Because a large share of the real exam is Michigan law, this practice bank includes 12 questions written specifically on Michigan statutes and regulations, each citing the provision it comes from.

Life Insurance questions reviewed by Michael Bennett — Life Insurance, 17 years' experience, Tampa, FL. Last updated July 29, 2026

Figures above are taken from PSI Michigan Insurance Candidate Information Bulletin and were verified in July 2026. Requirements change - confirm current details with your state insurance department before you book.

Taking the Michigan Life and Health insurance exam together?

Michigan's PSI bulletin lists a combined option alongside the separate lines: the Life, Accident & Health Producer - Combined exam (16-80), which runs 150 items over two and a half hours with a 75% cut score. That sits between the 72% needed on the standalone Life exam and the 76% needed on the standalone Accident & Health exam, so aim comfortably above three-quarters on practice runs.

Michigan requires 40 hours of prelicensing for both lines combined (20 per single line). This page drills the life half; the Michigan health bank covers the accident & health half, and the custom builder can mix both in one session.

Michigan health insurance practice test

Build a mixed life + health session

Choose Your Practice Mode

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Simulate the real exam experience with timed questions

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50-150 questions
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Instant feedback
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Pick your topics and question count to drill exactly what you need

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Michigan Life Exam Info

Vendor: PSI Services
Questions: 100 questions (plus 1-10 unscored experimental questions may be added)
Time limit: 120 minutes
Passing: 72% (cut score)
Exam fee: $41 examination fee
Prelicensing: 40 hours combined (20 per single line)

Verified July 2026 from the PSI Michigan Insurance Candidate Information Bulletin. Always confirm with the current official candidate handbook.

Michigan DIFS

More Michigan Tests

Study Tip

Take your first mock exam cold, before studying - it maps your weak topics while you still have time to fix them. Then drill those topics in quiz mode and re-test.

Michigan Life Insurance Exam Topics

Advanced Policy Types

Advanced Taxation (1035, MEC, Annuities)

Annuities

Annuity Payouts & Suitability

Beneficiaries & Settlements

Business Uses of Life Insurance

Ethics & Regulations

General Principles & Contract Law

Group Life Insurance

Life Insurance Basics

Life Settlements & Viaticals

Policy Dividends

Policy Provisions & Options

Policy Riders

Qualified & Retirement Plans

Social Security Benefits

Taxation of Life Insurance

Types of Life Policies

Underwriting & Risk

Universal Life Insurance

Whole Life Insurance

State Insurance Law

Free Michigan Life Practice Questions with Answers

12 sample questions from the 312-question Life bank behind the interactive tests. Expand a question to check the answer and the reasoning behind it.

Want to study offline? Download the free Life questions & answers PDF.

Frequently Asked Questions

Other Insurance Exams in Michigan

Prepare for multiple insurance licenses in Michigan

Health Insurance

Michigan Exam

Property & Casualty

Michigan Exam

Life Insurance Exams in Nearby States

Planning to get licensed in multiple states? Practice for neighboring state exams too.

Ohio

Indiana

Wisconsin

Official Michigan Insurance Resources

Important external links for Michigan insurance licensing information

Michigan DIFS

Official state regulator for insurance licensing, requirements, and exam information.

NAIC - National Association of Insurance Commissioners

The standard-setting and regulatory support organization for state insurance regulators.

Prometric Testing Services

Official testing provider for insurance licensing exams in many states.

PSI Services

Insurance licensing exam administration for select states.

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Choose a practice mode above and begin your free Michigan Life Insurance exam preparation today.

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How to Pass Your Insurance Exam Free Q&A PDFs All Articles

Michigan Life Insurance Practice Exam Free - 2026

How the Michigan Life Insurance exam compares

Taking the Michigan Life and Health insurance exam together?

Choose Your Practice Mode

Michigan Life Insurance Exam Topics

Free Michigan Life Practice Questions with Answers

Question 1: Which of the following would violate Michigan's anti-rebating law?

Question 2: A Michigan life insurer receives a completed proof of loss on a death claim and does not pay within the statutory period. What penalty does Michigan impose?

Question 3: A Michigan life insurance policy must include a grace period for the payment of every premium after the first. How long is that grace period?

Question 4: Under Michigan law, after what period of time in force during the insured's lifetime must a life insurance policy become incontestable?

Question 5: A 30-year-old parent wants the largest possible death benefit for the lowest current outlay to protect her family until the children are grown, and she has no interest in accumulating cash value. Which policy best fits?

Question 6: Two business partners buy life insurance on each other to fund a buy-sell agreement. Years later the partnership is dissolved, but one former partner keeps the policy in force and the insured then dies. May the insurer refuse the claim for lack of insurable interest?

Question 7: An insurer wants to rely on an applicant's written answers to contest a life insurance claim. Under the standard entire-contract provision, what generally must be true for those answers to be part of the legal contract?

Question 8: An applicant pays the first premium with his application and receives a conditional receipt. He dies ten days later, before the policy is issued. Underwriting shows he was insurable as a standard risk on the application date. What is the likely result?

Question 9: Four workers each want to make salary-deferral contributions to a 403(b) tax-sheltered annuity through their employer. Who is eligible?

Question 10: A firm with 40 employees already maintains a 401(k) plan and asks a producer about adding a SIMPLE IRA plan for the same workforce. What should the producer explain?

Question 11: A 30-year-old in a modest tax bracket wants her retirement account distributions to come out completely tax-free and is willing to give up any current-year deduction to get that result. Which arrangement fits?

Question 12: An employee complains that his private-sector employer offers no pension plan and insists that federal law requires one. Regarding ERISA, what is the accurate response?

Frequently Asked Questions

How many questions are on the Michigan Life Insurance exam?

Are these practice tests really free?

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What score do I need to pass the Michigan insurance exam?

Can I take the practice test on my phone?

Other Insurance Exams in Michigan

Life Insurance Exams in Nearby States

Official Michigan Insurance Resources

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