Michigan Compiled Laws

Mich. Comp. Laws § 500.120 (2026)

Insurance, surety, or health maintenance organization transactions; compliance with act.

✓ current as of July 2026

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THE INSURANCE CODE OF 1956

Act 218 of 1956

500.120 Insurance, surety, or health maintenance organization transactions; compliance with act.

Sec. 120.

A person shall not transact an insurance, surety, or health maintenance organization business in this state, or relative to a subject resident, located or to be performed in this state, without complying with the applicable provisions of this act.

History: 1956, Act 218, Eff. Jan. 1, 1957 ;-- Am. 2016, Act 276, Imd. Eff. July 1, 2016

PopularName Notes:

Act 218

PopularName Notes:

Essential Insurance

Notes of Decisions

Cited in 2 cases, 1980–1989 · leading case: Denham v. Bedford, 287 N.W.2d 168 (Mich. 1980).

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Denham v. Bedford, 287 N.W.2d 168 (Mich. 1980). · cites it 2× “" MCL 500.120; MSA 24.1120. Although technical compliance with the code is required, it would take an enormous leap of faith to conclude from this language that the code was intended to be exhaustive and, therefore, insurance companies are not subject to other statutory…”

Spray v. Unum Life Ins. Co. of Am., 749 F. Supp. 800 (W.D. Mich. 1989). “§ 500.120, requires all transactions of insurance business in Michigan to comply with Michigan law.”

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