• How do I order a course?
You have several options for placing a course order. You may call us to place an order at 1-800-775-6339 from 10 a.m. to 4 p.m., EST, Monday - Friday. If you received a mailer with an order form, you may complete the form and send to us. The mailing address is 14 Belleview, Suite 101, Mt. Clemens, MI 48043. Our fax number is 586-469-8802. Our email is Payment must be received in order to process your order; for fax and email orders using an order form, be sure to complete the section for credit card information.

You may also place an order online. To do so, simply
click here. Make the appropriate selections from the drop down menus, and continue through to check-out.
  • How can I pay for my order?
We accept Visa, MasterCard, American Express, mailed checks, and money orders. For orders processed physically on our premises, we  will also accept  cash.

  • How do the online courses work?

Online courses for insurance continuing education are a convenient way to meet your mandatory requirements. After selectiing a course that meets your credit requirement needs, you will create an account with a username and password. After paying the course fee, you will be able to navigate to your User Homepage. From there, you will find your course materials and test. After reading your course materials, you will take your test online. Upon completion, you will receive your score automatically. AES will file your credits and send you a Certificate of Completion. You can learn more here

  • Will I need any special software or plug-ins to do complete my course online?

Yes, but you probably already have it installed on your computer! You will need Adobe Reader to access the course files. If you do not have Adobe Reader, you can download it for FREE. Simply click here

  • What if I fail my continuing education exam? 

First, we have a high pass-rate, so it is not usually necessary for a student to have to retest. However, if you do not pass your exam, you will be given the opportunity to retest -- without any additional cost! For online courses, three exams are pre-loaded with the course. If all three led to a failing grade, we would contact the student to assess the situation, and restart their session with a new set of exams. For students with a paper exam, we would fax or email a new exam for retesting.

  • When does AES file my credits with the state?

AES will file (or report) earned CE credits to the state or its representative (e.g. Prometric, Sircon, Pearson, etc.)  The AES business standard is to file credits on working days (Monday through Friday) from 3 to 4 p.m. EST. Credits are not filed on holidays or weekends. 

  • What if I need my credits filed the same day I submit my completed test?

For online courses, this is generally not needed, as test completions are filed the day the are received. However, you should keep in mind that tests received after 3 PM will be graded the next day. Also, tests are not filed on weekends or holidays. 

For paper tests, AES offers expedited fax grading. For a $35.00 fee, AES will accept paper tests faxed or emailed to our office; tests received PRIOR to 2 PM will be graded that day. Tests received by fax or email AFTER 2 PM will be graded the next day; when that day falls on a holiday or weekend, the test will be filed the next business day.

  • When will I get my official Certificate of Completion for my CE course?

Our standard process is to email your Certificate of Completion following the grading and filing of the course. NOTE: If you do not supply a valid email, we will send you your Certificate via US surface mail. If you require additional Certificates to be sent to you by surface mail, we will provide these to you at no extra charge.

  • How do I find the CE requirements for my state?

Because state insurance departments will periodically revise their mandatory CE requirements, it is always best to check with the state regulator in which your resident license is held. You can click here for the NAIC's quick links to state insurance departments.

  • How do I get an insurance license?

Each state will have specific licensing requirements one must meet in order to become an insurance agent. As with CE requirements, these will vary by state and are subject to change. The NAIC quick links is your best place to start. After that, you will want to order your study materials. You can do that here.


Michigan Specific Requirements
  • Total hours/credits

24 -- 21 of which are comprised of any approved CE course plus 3 which are classified as Ethics.

  • Long-Term Care

No specific hours but 8 hours, Long Term Care proir to selling and 4 hours each biennium thereafter strongly recommended by OFIR.

  • Flood requirement

Property and casualty producers who sell flood insurance are reminded that they must comply with the one-time 3 hour training course on flood insurance and the NFIP. The hours may be applied to the overall CE requirement.

  • Compliance date

Compliance date is the first day of the birth month biennially. You can check your CE due date and current CE credits by clicking here. If you miss your CE due date, your license is "on ice" for 90 days. During that time, you are restricted from soliciting new business (but you may service clients). If you complete your CE and the credits are filed and appear on the state database within the 90 day grace period, your license will again become active. If you fail to complete your CE in the 90 day grace period, you still have up to one year from the original CE due date to complete your CE. However, after the 90 day grace period, will need to reapply for the license and pay the state the application fee. This is done here. If you go without completing CE one year beyond the CE due date, you will need to take an approved Pre-Licensing course, as your license will have been terminated. 

  • Carryover of excess hours

Not allowed

  • Training methods

         Independent self-study courses

         Classroom study

  • Course repetition

Courses may not be taken for credit more than once within in each two-year reporting period.

  • Monitored final exam

Self-study final exams are required to be monitored by a disinterested third party (i.e., not the student’s relative, or business associate).

  • Exemptions

Individuals licensed for a line of insurance 23 months or less at the time of the first CE compliance date are exempt for that first reporting period.

Individuals licensed only for one or more of the following lines: Credit Products, Limited Life, Turkey, Crop & Hail, Travel, Accident and /or Baggage, or Title

 Individuals who apply for and receive a hardship waiver for military duty or terminal illness of self or of immediate family member who requires an ordinate amount of care by licensee

  • Method to certify completion

The course provider reports earned credits and the $1.00 per credit hour on behalf of the licensee, to the CE administrator. The producer is not considered in compliance until the $1.00 is reported. The course provider has 30 days after course completion to report the $1.00. Producer keeps the original certificates of completion in their files. If there is ever a dispute concerning earned credits, the producer must correct the problem directly with the education provider who in turn will correct it with the CE administrator.

  • Nonresident requirements

Nonresidents are exempt.


A license is a privilege, not a right. To receive and maintain a license in Michigan, an insurance producer (commonly referred to as an insurance agent) must be at least 18 years old, must complete any pre-licensing and continuing education required by law, must successfully pass THE examinations required by law, and must not have committed any of the 14 acts that are listed as causes for license denial or revocation in MCL 500.1239. The Guiding Principles for the processing of Michigan insurance licenses can be found in the document here.

  • Pre-licensing Education
The license applicant for Accident & Health, Life, Property, Casualty, and Personal Lines must complete an approved Pre-Licensing course and obtain an original, signed course completion certificate. The exam must be taken initially within twelve months from the certificate date of course completion. Information on exclusions and waivers for Michigan education requirements can be found here; exam content outlines can be viewed and downloaded here; and examination procedures (e.g. how to register for an exam, how to locate a test center, what to bring on exam day, etc.) can be found here.

  • Applying for your license
Before taking the exam, license applicants need to apply for their license by completing the Electronic Resident Licensing Application here. The application is good for six months from entry into our database. If exam is not passed within six months, individual must reschedule exam and submit new prelicensing education certificate (if necessary), application and fees. For questions relating to electronic application submission, contact NIPR Customer Service at 816/783-8468.


Copyright American Education Systems, L.C. 2007, All Rights Reserved