{"data":{"id":"us-mi/mich.-comp.-laws-500.402b","jurisdiction":"us-mi","citation":"Mich. Comp. Laws § 500.402b","heading":"Transactions of insurance not requiring certificate of authority.","body":"Sec. 402b.\n\nIn this state, the following constitute transactions of insurance for which a certificate of authority is not required:\n\nTransaction of insurance under chapter 19.\n\nTransaction of reinsurance, except a transfer of direct obligations to policyholders by assumption reinsurance or other transaction to the same effect.\n\nTransaction of insurance on a risk not resident or located in this state at the time the insurance took effect, if the insurance was not written in this state.\n\nTransaction of group or blanket insurance or group annuities in which a master policy was lawfully issued to an employer located in another state for the benefit of employees residing in this state.\n\nTransaction of property or casualty insurance, under the same policy, on 1 or more risks resident or located both within and outside this state, if, under all the circumstances of the transaction, any appropriate part of the premium on the policy was apportioned to this state and if the policy was lawfully issued to a person resident in another state.\n\nTransaction of insurance as defined in sections 614 and 616.\n\nTransaction of insurance independently procured through negotiations occurring entirely outside of this state.\n\nTransaction of insurance by a nonprofit life insurance company, if the transactions involve life insurance, disability, or annuity contracts issued direct from the home office of the company, without agents or representatives in this state other than representatives servicing life insurance, disability, annuity contracts, or providing information upon request concerning other products of the company, only to or for the benefit of employees of nonprofit educational, scientific, or religious institutions. The transactions defined in this subdivision do not include those of a fraternal benefit society, as defined in section 8164.\n\nTransaction of group health insurance and incidental death and disability insurance if all of the following are met:\n\nThe group health insurance and incidental death and disability insurance is maintained pursuant to a written collective bargaining agreement between a labor organization and 1 or more city, village, township, or county employers.\n\nThe labor organization demonstrates to the commissioner's satisfaction that it meets the definition of the term \"labor organization\" as defined in section 2(5) of the national labor relations act, chapter 372, 49 Stat. 450, 29 U.S.C. 152.\n\nThe group health insurance and incidental death and disability insurance is regulated under the employee retirement income security act of 1974, Public Law 93-406, 88 Stat. 829, and is funded by a trust fund as described in section 302(c)(5) of title III of the labor management relations act, 1947, chapter 120, 61 Stat. 157, 29 U.S.C. 186.","path":["MI Code","Chapter 500","Act Act-218-of-1956"],"source_url":"https://www.legislature.mi.gov/Laws/MCL?objectName=mcl-500-402b","current_through":"2026-08-14","vintage":"open-us-law v2026.08, retrieved 2026-09-14","retrieved_at":"2026-09-14T18:32:31Z","sha256":"671580a3c2639339ee068e5cb60cffeadc4632f76b8186122b47159d68a8e779","source_id":"us-mi","stale":false,"prev":"us-mi/mich.-comp.-laws-500.402a","next":"us-mi/mich.-comp.-laws-500.402c"},"notice":"GroundRules: Original legal text. Not legal advice."}