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8 Best Insurance License Courses of 2026
This list is for people studying for a state insurance license exam, most often Life & Health or Property & Casualty, who want to know which prep course to buy. We compared documented features and published prices for eight online providers: large prelicensing schools such as Kaplan, ExamFX, A.D. Banker and XCEL Solutions, video-led courses such as America's Professor and Aceable Insurance, and lower-cost exam prep from Achievable and National Online Insurance School. Prices vary by state and line of authority, so we quote each vendor's Life & Health price, using Texas pages where the vendor prices by state. Scores weigh features at 40 percent and ease of use and value at 30 percent each. The state licensing exam fee is always separate from the course price.
By the Mojolin research desk · Updated November 10, 2026 · 8 tools compared · Prices checked on vendor pages, latest November 10, 2026
Questions or corrections: editorial@mojolin.com
Mojolin is self-funded How we score
Kaplan Financial Education is our top pick because one provider covers every learning style: a Basic self-study package for disciplined learners, Essential and Premium tiers that add on-demand and live online instruction, a Mastery Exam that mimics the state test, and a PassProtection money-back guarantee. ExamFX is a close second, with packages from $169.95 that all include exam simulations, a readiness exam, video lectures and its ClaireAI study assistant. If you mainly need practice questions, Achievable charges $149 once for a year of access with state law questions for all 50 states and DC. XCEL Solutions and America's Professor are good middle options, and Aceable Insurance is worth a look if you plan to get both Life & Health and Property & Casualty licenses and want CE for your first renewal bundled in.
Top picks
Best overall
Kaplan Financial Education
8.9 / 10
Students who want to choose between self-study and instructor-led prep inside one well-known program.
Read the review →Runner-up
ExamFX
8.8 / 10
Students who want state-approved prelicensing with exam simulations and the option of live webinars.
Read the review →Also great
Achievable
8.6 / 10
Students who need practice questions and full-length practice exams rather than a full prelicensing course.
Read the review →Comparison table
| # | Tool | Pricing | Score | |
|---|---|---|---|---|
| 1 | Kaplan Financial Education | Students who want to choose between self-study and instructor-led prep inside one well-known program. | Texas Life & Health packages from $139 to $349; prices vary by state | 8.9 |
| 2 | ExamFX | Students who want state-approved prelicensing with exam simulations and the option of live webinars. | Self-Study Package from $169.95; Video Study $219.95 and Live Online $299.95 on sale | 8.8 |
| 3 | Achievable | Students who need practice questions and full-length practice exams rather than a full prelicensing course. | $149 one-time payment for a full year of access | 8.6 |
| 4 |  XCEL Solutions | Students who want a fast, structured path and are ready to study within a short access window. | Life & Health Pre-licensing from $199 to $249 depending on state; Premier from $299 | 8.5 |
| 5 |  America's Professor | Students who learn best from a lecturer and want free extensions until they pass. | Texas Life, Accident & Health Pre-Licensing Course $199; P&C plus L&H combo $348 | 8.4 |
| 6 |  Aceable Insurance | Students who study on their phone, and those who need both Life & Health and Property & Casualty licenses. | Texas Life & Health Basic $199 on sale; Life only $129; All-in-One L&H plus P&C from $399 | 8.3 |
| 7 |  A.D. Banker & Company | Students who want an established insurance school with webinar classes and printable study manuals. | See vendor pricing (USD check pending) | 8.2 |
| 8 |  National Online Insurance School | Budget-minded students who want one simple package with no add-ons. | Texas Life $159, Life & Health $189 | 8.1 |
Scoring weights
Every tool gets three editorial scores out of 10, from vendor documentation, product pages and the published price. The overall score is the weighted average below, the same method on every list. Full method
The full ranking
Rank 1 · Best overall
Kaplan Financial Education
State-specific insurance licensing courses and study packages, from self-study to live online classes, from a long-running financial education provider.
kaplanfinancial.com8.9
out of 10
Best for: Students who want to choose between self-study and instructor-led prep inside one well-known program.
Kaplan Financial Education is the most complete option for someone who wants to pick a study style and stick with one provider. Each state has its own Life & Health page, and in Texas the packages run from $139 to $349. The Basic package suits self-directed learners, the Essential package adds more on-demand study, and the Premium package combines live online instruction from an industry expert with online study, priced at $329 for Life & Health in Texas. Every package includes the Mastery Exam, which is built to mimic the state test so you can judge your readiness, and Kaplan backs its courses with the PassProtection money-back guarantee. The company says 94% of surveyed students passed the Life & Health exam. The main limits are time and extras: online access lasts 60 days, extensions cost $29 to $49, and tools such as the InsurancePro Qbank, starting at $69, are sold separately.
Standout feature
Self-study, on-demand and live online packages for every state, all backed by the PassProtection guarantee.
Use cases
Career changers new to insurance
Take the Premium live online Life & Health package
Outcome: Instructor-led prep with a readiness check before the state exam
Self-directed learners on a budget
Buy the Basic package and use the Mastery Exam to test readiness
Outcome: State-specific prep at the lowest Kaplan price
Key features
- Basic, Essential, Premium and Career Launcher study packages
- Premium package adds live online instruction by an industry expert
- Mastery Exam designed to replicate the state exam experience
- PassProtection money-back guarantee
- Add-on study tools such as InsurancePro Qbank and QuickSheets
Pros
- Packages for every state and for Life, Health and Property & Casualty
- Clear tiers from self-study to live online classes
- Kaplan reports a 94% Life & Health pass rate among surveyed students
Cons
- Course access lasts 60 days, with paid extensions after that
- Live online Premium package costs $329 for Life & Health in Texas
- Many extras such as the Qbank are sold separately
Rank 2 · Runner-up
ExamFX
State-approved insurance prelicensing and exam prep with self-study, video and live online packages.
examfx.com8.8
out of 10
Best for: Students who want state-approved prelicensing with exam simulations and the option of live webinars.
ExamFX is a strong second choice and in some ways the most straightforward large provider. Its Life & Health page lists three packages: the Self-Study Package at $169.95, the Video Study Package at $219.95 and the Live Online Package at $299.95, both shown as discounted from their list prices. Every tier includes 60 days of course access, the interactive learning portal, online exam simulations, a readiness exam, instructor and technical support, and the ClaireAI study assistant. The higher tiers add on-demand video lectures, online flashcards and live online webinars with a printed note-taking notebook. ExamFX also publishes Spanish study guides, flashcards and tip sheets, and offers Spanish-language courses in some states, which few rivals do. It reports a 94% pass rate and more than 9.5 million learners. The tradeoff is the same 60-day window as Kaplan, so plan your study schedule before you start the clock.
Standout feature
All three packages include exam simulations, a readiness exam and the ClaireAI assistant.
Use cases
Spanish-speaking students
Use ExamFX Spanish study guides and courses where offered
Outcome: Exam prep in their first language
Students who learn best with a live class
Buy the Live Online Package and attend the webinars
Outcome: Structured review sessions alongside self-paced study
Key features
- Self-Study, Video Study and Live Online packages
- Online exam simulations and a readiness exam
- ClaireAI study assistant
- On-demand video lectures and online flashcards
- Spanish-language courses in some states
Pros
- Every package includes exam simulations and instructor support
- Live online webinars available in the top package
- Spanish study guides, flashcards and tip sheets in some lines
Cons
- Course access is 60 days
- Video lectures and webinars cost more than the self-study tier
- Prices and approvals vary by state
Rank 3 · Also great
Achievable
Adaptive online exam prep for the Life & Health insurance exam with state law questions for every state.
achievable.me8.6
out of 10
Best for: Students who need practice questions and full-length practice exams rather than a full prelicensing course.
Achievable takes a different approach from the big prelicensing schools: it is built around adaptive practice rather than long video lectures. A single $149 payment buys a full year of access to its Life & Health course, which includes five full-length practice exams built for your state, more than 1,500 practice questions with explanations, and state law questions for all 50 states and DC. Where a state gives Life and Health as two separate exams, you practice both. Its learning engine tracks your progress and shifts quiz questions toward the topics you miss most, and the course carries a pass guarantee with your money back. The first chapter, General Insurance Concepts, is free to try. The limit is scope: because it is exam prep, students in states that require approved prelicensing hours should confirm it counts, and California's 12-hour Code and Ethics course costs an extra $79.
Standout feature
A full year of adaptive Life & Health exam prep for a single $149 payment.
Use cases
Students in states without prelicensing hour rules
Study with adaptive quizzes and five state practice exams
Outcome: Low-cost prep focused on weak topics
Students who already finished a required course
Add Achievable for extra practice questions
Outcome: More exam practice for $149
Key features
- Five full-length practice exams built for your state
- 1,500+ practice questions with explanations
- State law questions for all 50 states and DC
- Learning engine that adjusts quiz questions to your weak topics
- Pass guarantee with money back
Pros
- One price covers a full year of access
- First chapter is free to try
- Works for every state, including states that split Life and Health into two exams
Cons
- Exam prep focus, so check whether it meets your state's prelicensing hour rules
- No live classes
- California 12-hour Code and Ethics course is a separate $79 purchase
Rank 4
XCEL Solutions
Online insurance prelicensing built on a three-part program of course, review and exam simulators, with an AI study partner.
xcelsolutions.com8.5
out of 10
Best for: Students who want a fast, structured path and are ready to study within a short access window.
XCEL Solutions is a good fit for students who want a tight, structured plan. Its Life & Health Pre-licensing course costs $199 to $249 depending on the state and uses a three-part program: an online self-study prelicensing course that satisfies state requirements, a shorter prep review course weighted to the state exam outline, and three exam simulators with unlimited retakes. Every course also includes Rubi, an AI-powered study partner that answers questions inside the course. The Premier package, at $299 to $349, adds more than 800 flashcards, a recorded version of XCEL's one-day exam review class and the Prepared to Pass Promise, which refunds the course if you do not pass on your first attempt. XCEL says the program can prepare you in as little as two weeks. The catch is the access window: 30 days for the prelicensing course and then 30 days for review and simulators, so it rewards students who can study steadily.
Standout feature
Three exam simulators with unlimited retakes and a built-in AI study partner.
Use cases
New agents with a hiring deadline
Work through the three-part program in a few weeks
Outcome: A structured path from fundamentals to timed simulators
Students worried about failing
Buy the Premier package with the Prepared to Pass Promise
Outcome: A full refund if they do not pass on the first attempt
Key features
- Three-part program: prelicensing course, prep review course and exam simulators
- Three exam simulators with unlimited retakes, weighted to the state exam
- Rubi AI-powered study partner built into the course
- Premier package adds flashcards and a recorded one-day exam review class
- Prepared to Pass Promise refund in the Premier package
Pros
- Clear three-step structure from fundamentals to exam simulation
- Unlimited simulator retakes
- Designed so students can prepare in as little as two weeks
Cons
- Access is 30 days for the course, then 30 days for review
- Refund promise only in the Premier package
- State exam fee is not included
Rank 5
America's Professor
Video-lecture insurance prelicensing courses for selected states, with a printed textbook and access until you pass.
americasprofessor.com8.4
out of 10
Best for: Students who learn best from a lecturer and want free extensions until they pass.
America's Professor is built around recorded lectures, which makes it a good match for students who want a teacher explaining each topic. Its Texas General Lines Life, Accident & Health Pre-Licensing Course costs $199 and includes more than 24 hours of video lectures covering national and state material, a test bank of more than 700 questions with repeatable quizzes and final exams, and a printed textbook with a Texas state law manual shipped free. Access starts at 100 days from purchase, and America's Professor extends it for free until you pass, which removes the time pressure that 30-day and 60-day courses create. The course carries a 100% satisfaction guarantee, and a Property & Casualty plus Life & Health combo costs $348. The main drawback is coverage: course pages are listed for a set of states including Texas, Georgia, Arizona, Virginia and Washington, so students elsewhere need another provider.
Standout feature
Free access extensions until you pass, plus a printed textbook shipped with the course.
Use cases
Auditory and visual learners
Watch the 24+ hours of lectures and read the printed textbook
Outcome: A teacher-led explanation of every exam topic
Working adults with irregular schedules
Study over several months using free access extensions
Outcome: No extension fees while preparing
Key features
- 24+ hours of on-demand video lectures
- 700+ question test bank with repeatable quizzes and final exams
- Printed textbook with a state law manual and free shipping
- 100-day initial access with free extensions until you pass
- 100% satisfaction guarantee
Pros
- Access until you pass, with free extensions
- Printed textbook included with the online course
- Combo package for Property & Casualty plus Life & Health
Cons
- Courses cover a limited list of states
- Fewer interactive tools than the largest providers
- Lecture format takes more hours than question-first prep
Rank 6
Aceable Insurance
Mobile-first insurance prelicensing with video, adaptive practice and bundles that include continuing education for your first renewal.
aceable.com8.3
out of 10
Best for: Students who study on their phone, and those who need both Life & Health and Property & Casualty licenses.
Aceable Insurance is built for mobile-first learning, so the same course works on a phone, tablet or desktop. In Texas the Life & Health Basic course costs $199, down from $249, and the Premium package costs $239 and adds the 24 hours of continuing education you need for your first license renewal. A Life-only course costs $129, and the All-in-One bundle for Life & Health plus Property & Casualty starts at $399. Courses include Ace MODE smart practice, which shows your strengths and weak spots as you go, on-demand video, flashcards and a virtual instructor available around the clock for course questions. Every package carries a pass guarantee. Aceable's Texas page also explains the exam itself: two separate Pearson VUE exams at $49 per attempt, taken in person. The downside is coverage, since state pages are listed for a set of states, and prices shown are sale prices against higher list prices.
Standout feature
Premium packages bundle the CE hours you need for your first license renewal.
Use cases
Students who commute or study in short sessions
Use the mobile course and Ace MODE practice
Outcome: Study progress from a phone between other commitments
New agents planning to hold both licenses
Buy the All-in-One Life & Health plus Property & Casualty bundle
Outcome: Both courses for less than buying them separately
Key features
- Ace MODE smart practice that targets weak areas
- On-demand video and flashcards
- Virtual instructor available 24/7 for course questions
- Premium packages bundle the first 24 hours of Texas CE
- Pass guarantee with money back
Pros
- Built for phones, tablets and desktop
- All-in-One bundle covers Life, Health, Property and Casualty
- Premium tier saves money on first-renewal CE
Cons
- State pages cover a limited list of states
- List prices are higher than the sale prices shown
- Life-only course is a separate product
Rank 7
A.D. Banker & Company
State-approved insurance prelicensing with online courses, web classes and study tools for every state.
adbanker.com8.2
out of 10
Best for: Students who want an established insurance school with webinar classes and printable study manuals.
A.D. Banker & Company is one of the established names in insurance education, with prelicensing, continuing education and securities courses under one roof. Its Life & Health page says its state-approved online courses cover every topic in your state's exam content outline, and it lists course pages for all 50 states and DC. The online course includes video lessons, simulated licensing exams, audio, chapter exams and retention questions, drag-and-drop activities, online note taking, searchable content and a printable PDF study manual. Students can add webinars or tools such as flashcards and printed study manuals. A.D. Banker also covers Personal Lines and Adjuster licenses, and its CE and securities catalogs are useful if you later add annuity, long-term care or Series exams. We could not confirm a USD price from its public course pages, so check your state's package price before comparing it with the providers above.
Standout feature
State-approved courses for every state plus CE and securities programs from the same school.
Use cases
Students who like printed material
Use the printable PDF manual alongside the online course
Outcome: Study offline from a complete manual
Agents planning to add securities licenses
Start with insurance prelicensing and add Series courses later
Outcome: One provider for insurance and securities education
Key features
- State-approved online courses for Life, Health, Property & Casualty, Personal Lines and Adjuster
- Video lessons and simulated licensing exams
- Chapter exams, retention questions and drag-and-drop activities
- Printable PDF study manual and online note taking
- Optional webinars, flashcards and study manuals
Pros
- Course pages for all 50 states and DC
- Content follows each state's exam content outline
- Covers securities and CE as well, for agents who expand later
Cons
- Prices are not shown on the main course pages
- Webinars and tools may cost extra
- Site is less clear than rivals about package contents
Rank 8
National Online Insurance School
All-inclusive self-paced insurance exam prep with flat pricing and an exam simulator.
nationalonlineinsuranceschool.com8.1
out of 10
Best for: Budget-minded students who want one simple package with no add-ons.
National Online Insurance School keeps things simple: one all-inclusive package per line, with no add-ons or tiers. In Texas the Life course costs $159 and the Life & Health course costs $189. Each includes 60 days of access, and the clock starts when you begin the course rather than when you pay, which helps students who buy ahead of time. The course is self-paced and fully online, and you can start right after enrolling. Its Guarantee Pass is included at no extra cost: pass two consecutive practice exams in the school's simulator and take the state exam within three days, and if you still do not pass you keep full course access until you do or can request a full refund. There is also a 30-day money-back guarantee if you have completed less than half of the course. The school says it has been running for nearly two decades. It lacks live classes and the wider tool sets of bigger providers.
Standout feature
Flat pricing with 60 days of access that starts when you begin the course.
Use cases
Students who buy a course before they can start
Enroll now and begin the 60-day access later
Outcome: No lost study days before they are ready
Budget-minded career changers
Use the simulator until passing two practice exams in a row
Outcome: Qualify for the Guarantee Pass before test day
Key features
- All-inclusive exam prep with no add-ons or tiered pricing
- 60 days of access starting when you begin the course
- Exam simulator
- Guarantee Pass included at no extra cost
- 30-day money-back guarantee if less than 50% of the course is completed
Pros
- Simple flat pricing
- Access clock starts when you begin, not when you buy
- Self-paced, 100% online, start right after enrollment
Cons
- Guarantee Pass requires two consecutive simulator passes and an exam within three days
- No live classes
- Fewer study formats than the largest providers
Frequently asked questions
+What is the best online course for an insurance license?
Kaplan Financial Education is the best online insurance license course for most students, with Texas Life & Health packages from $139 to $349, a Mastery Exam and a money-back guarantee. ExamFX is a close second from $169.95, and Achievable is the low-cost practice option at $149 for a year.
+Which insurance license or certification is best to get first?
For most new agents, Life & Health is the first license to get, since it lets you sell life insurance and health coverage, and every provider on this list sells a Life & Health course. If you plan to sell auto or home policies, take Property & Casualty, or buy a bundle such as Aceable's All-in-One package from $399.
+What is the best insurance certification to get if I study on my own?
Self-directed students get the most value from Kaplan's $139 Basic package, ExamFX's $169.95 Self-Study Package or Achievable at $149. Achievable gives a full year of access, while Kaplan and ExamFX give 60 days.
+What is the best insurance certification course with a pass guarantee?
Kaplan's PassProtection guarantee, Achievable's money-back pass guarantee and XCEL's Prepared to Pass Promise in its Premier package from $299 are the clearest. National Online Insurance School includes its Guarantee Pass at no extra cost but requires two consecutive simulator passes and an exam within three days.
+How much does an insurance license course cost?
Most online Life & Health courses on this list cost $139 to $349. XCEL charges $199 to $249 by state, America's Professor $199 in Texas and National Online Insurance School $189 in Texas. The state exam is separate: XCEL notes exam fees range from $40 to $150.
+How long do I get to study in an insurance license course?
Kaplan, ExamFX and National Online Insurance School give 60 days, and XCEL gives 30 days for the course plus 30 days for review. America's Professor starts at 100 days with free extensions until you pass, and Achievable gives a full year.
About this list
Updated November 10, 2026 by the Mojolin research desk. Mojolin is self-funded
Questions or corrections: editorial@mojolin.com
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