Mich. Comp. Laws § 500.402a: Transactions of insurance requiring certificate of authority.

Sec. 402a.

In this state, the following transactions of insurance, whether effected by mail or otherwise, require a certificate of authority:

The issuance or delivery of insurance contracts to residents of this state.

The solicitation of applications for insurance contracts from residents of this state.

The collection of premiums, membership fees, assessments, or other consideration for insurance contracts from residents of this state.

The doing or proposing to do any act in substance equivalent to subdivisions (a) to (c).