Each module is scored separately here so you know exactly where you stand. To pass the real Michigan exam you need 75%.
The free sample gives you about 20 questions per module. The full bank contains every question — general insurance plus state law — with written, statute-cited explanations. $49, one time, lifetime access on up to 3 devices — every state and line we add later included.
✓ One purchase, use it on up to 3 of your devices · no subscription · no account needed
Michigan licenses Property & Casualty producers through PSI, requiring 75% to pass. This bank covers the national property & casualty material plus Michigan law - no-fault auto (the post-2019 reform PIP medical choice levels, the 250/500 default liability limits and the $3,000 mini-tort), property and homeowners (the standard fire policy, the Michigan Basic Property/FAIR plan and the guaranty association), and workers' compensation (Michigan's 80%-of-after-tax-wage benefit).
You need 75%. Practice each module to that level and run the full exam simulation before your test date.
No vendor publishes the live exam. Every question here is original, written to the official content outline and grounded in public-domain sources — including the Michigan Insurance Code (MCL Chapter 500) and Worker's Disability Compensation Act (MCL Chapter 418) for the state-law questions, with the statute section cited in each explanation.
The full Michigan bank contains 1085 questions (general insurance plus Michigan law), with written, source-cited explanations. The free sample gives you about 20 questions per module.
$49, one time, for lifetime access — and it includes every state and line we add later, at no extra charge. No subscription.
Yes. One purchase works on up to 3 of your devices, for example your laptop, phone and tablet, so you can practise wherever you are. Your progress is saved on each device.
No. The practice tests run in your browser with no signup. Your score history is saved on your own device.
A selection of free questions with answers and explanations. Use the interactive modules above for timed, scored drills.
Michigan's auto insurance system is best described as which type?
Why: Michigan is a no-fault state: PIP and PPI benefits are payable without regard to fault, and tort liability for the accident is abolished except in limited circumstances.
Of the 24 required continuing education hours, how many must be in ethics in insurance?
Why: Section 1204c(2) requires that of the 24 hours, not less than 3 hours must be in ethics in insurance classes or coursework.
Under the FCRA, a consumer who is the subject of an adverse action based on a consumer report has the right to:
Why: The FCRA gives consumers the right to a free copy of the report that led to an adverse action and the right to dispute inaccurate or incomplete information.
The premium basis for workers' compensation insurance is generally expressed as a rate applied to:
Why: WC premium is calculated using rates per $100 of payroll for each job classification, then adjusted by other factors.
The 'mysterious disappearance' of property is typically covered under which?
Why: Open-peril scheduled coverage (personal articles floater) can cover mysterious disappearance, which named-peril forms typically do not.
An overdue PIP benefit payment bears simple interest at what annual rate under the No-Fault Act?
Why: MCL 500.3142(4) provides that an overdue payment bears simple interest at the rate of 12% per annum.
Under MCL 500.2027, charging a different rate for the same coverage based on factors such as residence or lawful occupation is permitted only if:
Why: Sec. 2027(c) allows a rate differential only if based on sound actuarial principles and a reasonable classification system, related to actual and credible loss statistics (or, for new coverages, reasonably anticipated experience), unless the rate was already approved by the director.
Liquor liability (dram shop) coverage is needed because the CGL excludes liability for businesses that:
Why: The CGL liquor liability exclusion applies to those in the alcohol business; they need separate liquor liability coverage.
Pure risk differs from speculative risk in that pure risk involves:
Why: Pure risk presents only the possibility of loss or no loss, with no opportunity for gain, making it the only insurable type of risk.
Under MCL 418.301(2), mental disabilities are compensable only if they arise out of:
Why: MCL 418.301(2) makes mental disabilities compensable if arising out of actual events of employment (not unfounded perceptions) and the employee's perception of the actual events is reasonably grounded in fact or reality.
Under MCL 500.7925, for a claim to be a 'covered claim,' the obligation must have been incurred or existed before, at the time of, or within what period after the receiver was appointed?
Why: MCL 500.7925(1)(d) requires that the obligation was incurred or existed before, at the time of, or within 30 days after the date the receiver was appointed.
The primary method of handling risk that insurance represents is:
Why: Insurance is fundamentally a transfer of the financial consequences of risk from the insured to the insurer.
Once an auto liability policy has been in effect more than 55 days (or is a renewal), how broadly may the insurer cancel it?
Why: MCL 500.3220 restricts cancellation after the 55-day window (and immediately for renewals) to only the enumerated reasons: first-55-day unacceptable risk or a final license suspension.
A scenario: lightning strikes and starts a fire destroying the kitchen. Which forms would cover this loss to the dwelling?
Why: Fire and lightning are core covered perils in every standard dwelling and homeowners form, so the kitchen fire loss would be covered under all of them.
Under section 1244, if a person knew or reasonably should have known he or she was in violation, the director may order a civil fine of not more than what amount per violation?
Why: Section 1244(1)(a) authorizes a civil fine of not more than $5,000.00 for each violation if the person knew or reasonably should have known he or she was in violation.
A clothing store's stock is destroyed by fire. The BPP with the Special Causes of Loss form is in force. Coverage applies because:
Why: Under the open-perils Special form, fire is a covered cause of loss because it is a risk of direct physical loss that is not excluded.
The CGL Medical Expense (Coverage C) limit typically applies:
Why: The Medical Expense Limit applies per person and the total is subject to the Each Occurrence Limit.
To insure a $25,000 diamond ring for all-risk coverage with no special sublimit and often no deductible, the best option is:
Why: Scheduling the ring on a Personal Articles Floater (scheduled personal property endorsement) provides broad coverage above the Coverage C jewelry sublimit, typically with no deductible.
Personal property is covered worldwide under a Homeowners policy, but property usually at another residence is limited to:
Why: Personal property usually kept at a residence other than the insured location is limited to the greater of 10% of Coverage C or $1,000.
Under the Michigan Insurance Code, sections 2001 to 2050 of Chapter 20 are known and may be cited as what?
Why: Sec. 2001 provides that sections 2001 to 2050 shall be known and may be cited as 'the uniform trade practices act.'
Part Two (Employers Liability) of the policy is primarily designed to cover which of the following?
Why: Part Two covers the employer's liability for damages because of bodily injury by accident or disease arising out of employment that is not compensable as statutory benefits under Part One, such as certain lawsuits.
In an insurance contract, the consideration given by the insured is:
Why: The insured's consideration is the premium plus the representations made in the application; the insurer's consideration is its promise to pay covered losses.
The MCCA per-vehicle attachment point of $580,000 is adjusted how often and by how much?
Why: MCL 500.3104(2)(o) provides for a biennial increase each odd-numbered year of the lesser of 6% or the CPI, rounded to the nearest $5,000.
Which of the following is a possible result of the underwriting process?
Why: Underwriting can result in accepting the risk as is, accepting with modifications/conditions, or rejecting the application.
Under PAP Part A, which of the following is an "insured" while using a non-owned auto?
Why: For Part A, the named insured and family members are insureds for the ownership/use of any auto, while other persons are insureds only for use of the named insured's covered auto.
Section 1232 does NOT apply to which of the following persons?
Why: Section 1232 states it does not prohibit the customary advice offered by a licensed insurance agent, nor does it apply to a person admitted to the practice of law in this state.
An insured runs a small in-home daycare for several children. The appropriate way to address the liability and incidental property exposure is the:
Why: A home day care endorsement (a form of permitted incidental occupancy/business endorsement) addresses the liability and limited property exposure of running a daycare from the home.
Before workers' compensation laws, employers defending common-law negligence suits could use several defenses. Which of the following was one of those defenses that WC laws effectively removed?
Why: The common-law defenses WC removed were contributory negligence, assumption of risk, and the fellow-servant rule (injury caused by a coworker). WC made these defenses irrelevant to benefit eligibility.
How must an agent handle premiums and return premiums under the fiduciary rules of section 1207?
Why: Section 1207(2) requires an agent to treat all premiums and return premiums as fiduciary money and segregate them from the agent's own money, and not commingle them (with limited exceptions).
Under Section 2006, an insurer must specify in writing the materials that constitute a satisfactory proof of loss within how many days after receipt of a claim, unless the claim is settled within that period?
Why: Sec. 2006(3) requires the insurer to specify in writing the materials that constitute satisfactory proof of loss not later than 30 days after receipt of a claim, unless the claim is settled within the 30 days.