Michigan is the state on this list where the honest answer about recording consent is that it is contested. It is also split across two time zones. Neither fact is hard to work with, but both are routinely assumed rather than checked, and that is how desks get themselves into trouble here.
Recording consent is genuinely unsettled
Michigan's eavesdropping statute prohibits recording the private discourse of others without consent. A Michigan Court of Appeals decision read that phrase to leave out a participant recording their own conversation, which would put Michigan in the one-party column, and federal courts applying Michigan law have followed that reading. The Michigan Supreme Court took up the question and then declined to answer it, so there is no controlling decision from the state's highest court, and many national consent charts still list Michigan as all-party.
For a call desk the resolution is simple even though the law is not. Treat Michigan as an all-party state: disclose the recording at the top of every call, keep the disclosure on the recording, and take the question to your own counsel rather than to a chart. The cost of the conservative approach is a sentence. The cost of the other approach is an argument you would have to win.
- Disclose on every Michigan call, whichever side of the case law you find more persuasive.
- Keep the disclosure inside the recording, since that is the only proof that survives a dispute.
- Ask your own counsel rather than a national consent chart, because the charts disagree on this state.
Two time zones
| Area | Zone | Federal window in Eastern terms |
|---|---|---|
| Most of Michigan, including Detroit, Grand Rapids, Warren and Sterling Heights | Eastern | 8:00 a.m. to 9:00 p.m. |
| Gogebic, Iron, Dickinson and Menominee counties in the western Upper Peninsula | Central | 9:00 a.m. to 10:00 p.m. |
The Central time counties are a small share of the state's population, so the risk is not that you lose volume by ignoring them. The risk is the reverse: a desk that treats all of Michigan as Eastern will dial the western Upper Peninsula an hour before the federal window opens there. If your agents return missed calls by hand, the county belongs on the checklist next to the license.
Licensing and DIFS
Michigan's regulator is the Department of Insurance and Financial Services, DIFS, at michigan.gov/difs. As the name says, it covers banks, credit unions and consumer finance alongside insurance, so searching for a Michigan department of insurance on its own will not get you there. DIFS handles producer licensing, company admission, consumer complaints and market conduct.
Hold an active Michigan license, resident or nonresident, with the right line of authority before you take a Michigan call, and check your carrier appointments separately. Michigan also has its own auto insurance framework that does not resemble most states, which is worth knowing if your agents cross-sell property and casualty, though it does not touch a health or life call.
Health coverage and what is available to buy
Michigan uses the federally facilitated marketplace at healthcare.gov for the 2026 plan year rather than running its own platform, so ACA enrollment follows the federal path your agents already know. Callmart runs national campaigns across health insurance, life insurance and final expense, including Final Expense, Final Expense CTV and Medicare Advantage. Per-campaign toggles let you run some of those in Michigan and not others while you get the recording script right.
Screened inbound calls start at $25 and CTV calls start at $50, priced per connected call against the buffer you pick, and Callmart does not sell inventory by state. Your approved workspace shows the campaigns and coverage actually available to your account.
General information for call buyers, not legal advice. Michigan recording consent is genuinely contested and this page does not resolve it. Confirm your position with your own counsel, and confirm licensing with the Department of Insurance and Financial Services.
Common questions
01Is Michigan a one-party or all-party consent state?
It is contested. The eavesdropping statute bars recording the private discourse of others, an appellate decision read that to exclude a participant recording their own call, and the state Supreme Court declined to settle the question. Treat Michigan as all-party, disclose, and confirm with counsel.
02Is all of Michigan on Eastern time?
No. Most of the state is Eastern, but Gogebic, Iron, Dickinson and Menominee counties in the western Upper Peninsula observe Central time. Both zones observe daylight saving, so the gap is a constant hour. Check the county before returning a call to an Upper Peninsula number.
03Which agency licenses insurance agents in Michigan?
The Department of Insurance and Financial Services, known as DIFS, at michigan.gov/difs. It regulates banks and consumer finance alongside insurance. Hold an active resident or nonresident license with the right line of authority, plus appointments, before taking calls.
04Does Michigan run its own health exchange?
No. Michigan uses the federally facilitated marketplace at healthcare.gov for the 2026 plan year, so ACA enrollment follows the federal path. Medicare Advantage is federal as well, with plan availability and provider networks as the state specific part of the conversation.