Mich. Comp. Laws » Michigan Compiled Laws / Chapter 500 / Act 218 of 1956
Michigan Compiled Laws

Mich. Comp. Laws § 500.402 (2026)

Insurers; certificate of authority requirement.

✓ current as of July 2026
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THE INSURANCE CODE OF 1956


Act 218 of 1956


500.402 Insurers; certificate of authority requirement.

Sec. 402.

    A person shall not act as an insurer and an insurer shall not issue a policy or otherwise transact insurance in this state except as authorized by a subsisting certificate of authority granted to it by the director under this act.

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

PopularName Notes:

Act 218
Notes of Decisions
Cited in 5 cases, 1973–2014 · leading case: Smith v. Globe Life Ins., 597 N.W.2d 28 (Mich. 1999).
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Smith v. Globe Life Ins., 597 N.W.2d 28 (Mich. 1999). “; see also MCL 500.402; MSA 24.1402 (“No per *466 son shall act as an insurer and no insurer shall issue any policy or otherwise transact insurance in this state except as authorized by a subsisting certificate of authority granted to it by the commissioner pursuant to this…”
Kassab v. Michigan Basic Prop. Ins., 491 N.W.2d 545 (Mich. 1992). · cites it 2× “See MCL 500.402 et seq.; MSA 24.1402 et seq. The UTPA provides that orders and decisions of the commissioner may be appealed to circuit court, and ultimately to this Court.”
Comm'r of Ins. v. Albino, 572 N.W.2d 21 (Mich. Ct. App. 1997). · cites it 2× “§ 500.402 et seq.; M.S.A. § 24.1402 et seq.”
Tikkanen v. Liberty Life Assurance Co., 31 F. Supp. 3d 913 (E.D. Mich. 2014). · cites it 2× “However, Foorman is distinguishable because there the plaintiff did not contend that any certificate was delivered to him within 'the State of Michigan, but argued only that “Defendant availed itself of Michigan law by filing its Certificate of Authority and policy with…”
Nankin Hosp. v. Michigan Hosp. Serv., 361 F. Supp. 1199 (E.D. Mich. 1973). “§ 500.402 et seq.) The Insurance Code thereafter grants to the Insurance Commissioner supervisory authority over commercial insurance companies.”
Annotations are extracted automatically from the opinions in the Syfert caselaw corpus and ranked by authority, recency, and treatment. Dots show Syfertize treatment of the citing case itself.