Michigan licenses property and casualty insurance agents through state exams, and passvana has a practice track for each one: Michigan Property and Casualty Producer Exam (Series 16-81), Michigan Property Producer Exam (Series 16-67), Michigan Casualty Producer Exam (Series 16-68), Michigan Personal Lines Producer Exam (Series 16-69). Here is what each exam looks like, from the state's official exam documents.
Michigan Property and Casualty Producer Exam (Series 16-81)
- The exam: Michigan Property and Casualty Producer/Solicitor, Series 16-81. The Department of Insurance and Financial Services (DIFS) contracts PSI Services LLC to deliver it at PSI test centers or by remote online proctoring. (PSI/DIFS Michigan Licensing Examination Candidate Information Bulletin, Examinations by PSI; PSI Michigan content outline, Property and Casualty Producer/Solicitor, Series 16-81)
- Questions, time and pass mark: 150 scored items in 2.5 hours. You need 74% correct, which is 111 of 150. Unscored experimental questions may appear among the items. (PSI Michigan content outline, Property and Casualty Producer/Solicitor, Series 16-81; PSI/DIFS Michigan Licensing Examination Candidate Information Bulletin, Cut Score table, Experimental Items)
- Who takes it: Applicants who want both the property and the casualty lines on one license. The separate Property (16-67), Casualty (16-68) and Personal Lines (16-69) exams cover narrower qualifications. (PSI/DIFS Michigan Licensing Examination Candidate Information Bulletin, Licensure Process)
Michigan Property Producer Exam (Series 16-67)
- The exam: Michigan Property Producer/Solicitor, Series 16-67. The Department of Insurance and Financial Services (DIFS) contracts PSI Services LLC to deliver it at PSI test centers or by remote online proctoring. (PSI/DIFS Michigan Licensing Examination Candidate Information Bulletin, Examinations by PSI; PSI Michigan content outline, Property Producer/Solicitor, Series 16-67)
- Questions, time and pass mark: 100 scored items in 2 hours. You need 75% correct, which is 75 of 100. Unscored experimental questions may appear among the items. (PSI Michigan content outline, Property Producer/Solicitor, Series 16-67; PSI/DIFS Michigan Licensing Examination Candidate Information Bulletin, Cut Score table, Experimental Items)
- Who takes it: Applicants for the property line. Casualty (16-68), personal lines (16-69) and combined property and casualty (16-81) are separate exams. Section 1206 defines property as coverage for direct or consequential loss or damage to property of every kind. (PSI/DIFS Michigan Licensing Examination Candidate Information Bulletin, Licensure Process; MCL 500.1206(1)(c))
Michigan Casualty Producer Exam (Series 16-68)
- The exam: Michigan Casualty Producer/Solicitor, Series 16-68. The Department of Insurance and Financial Services (DIFS) contracts PSI Services LLC to deliver it at PSI test centers or by remote online proctoring. (PSI/DIFS Michigan Licensing Examination Candidate Information Bulletin, Examinations by PSI; PSI Michigan content outline, Casualty Producer/Solicitor, Series 16-68)
- Questions, time and pass mark: 100 scored items in 2 hours. You need 74% correct, which is 74 of 100. Unscored experimental questions may appear among the items. (PSI Michigan content outline, Casualty Producer/Solicitor, Series 16-68; PSI/DIFS Michigan Licensing Examination Candidate Information Bulletin, Cut Score table, Experimental Items)
- Who takes it: Applicants for the casualty line, defined as coverage against legal liability, including liability for death, injury or disability or damage to real or personal property. Property (16-67), personal lines (16-69) and combined property and casualty (16-81) are separate exams. (PSI/DIFS Michigan Licensing Examination Candidate Information Bulletin, Licensure Process; MCL 500.1206(1)(d))
Michigan Personal Lines Producer Exam (Series 16-69)
- The exam: Michigan Personal Lines Producer Exam (Series 16-69), given by PSI for the state. The Personal Lines license covers insurance sold to individuals and families: homeowners, dwelling, personal auto, umbrella and the like, not commercial lines or workers' compensation. (PSI Michigan outline 16-69 (fetched 2026-10-17) and bulletin (Michigan DIFS))
- Questions: 100 scored questions. (PSI Michigan outline 16-69 (fetched 2026-10-17) and bulletin (Michigan DIFS))
- Time: 2 hours. (PSI Michigan outline 16-69 (fetched 2026-10-17) and bulletin (Michigan DIFS))
- Passing score: 75% of questions correct (75 of 100). (PSI Michigan outline 16-69 (fetched 2026-10-17) and bulletin (Michigan DIFS))
How to pass on your first try
- Know the standard policies section by section. Homeowners, personal auto and commercial coverages are tested as what each part of the policy covers, excludes and requires after a loss.
- Do not skip the state insurance code. Licensing, producer duties, ethics and cancellation rules are specific to Michigan and scored like the rest of the exam.
- Learn notice periods and limits as numbers. Cancellation and nonrenewal notice periods and minimum limits come up as exact figures.
- Take full timed mock exams before test day, so the length and pace of the real exam hold no surprises.
Free practice questions
Each track page has free sample questions and a topic breakdown matched to the official outline: Michigan Property and Casualty Producer Exam (Series 16-81), Michigan Property Producer Exam (Series 16-67), Michigan Casualty Producer Exam (Series 16-68), Michigan Personal Lines Producer Exam (Series 16-69). The Resources tab on each track also has quick-reference tables built from checked facts; see what is in the Michigan Property & Casualty Insurance Key Facts Digest.