Are you considering a career as an insurance agent? Most states require you to meet specific educational requirements through approved course providers as a prerequisite before taking state exams.
This means you can’t obtain an insurance license (even if you pass the exam) until you complete the mandated courses.
There are many life, health, property and casualty prelicensing courses to choose from — let Benzinga help you figure out which one is best for you.
Why Take an Insurance Course?
Not all insurance courses are the same. In fact, some can be a complete waste of time if they’re not offered by a reputable provider. Here are a few important considerations to keep in mind when you evaluate your course options.
Fulfills State Educational Requirements
The insurance prelicensing course provider is approved to offer classes in your state. If not, the course won’t count toward the educational requirement and you’ll have to start from scratch.
Helps You Prepare for the Exam
Insurance prelicensing courses should be interactive and include real-life scenarios to help you prepare. They should also provide you with additional resources, including practice quizzes and exams so you have the best shot at earning a passing score.
When you take an online insurance prelicensing course, there shouldn’t be a rush to reach a deadline. You can work at a comfortable pace that really allows you to understand and retain the material. But if you take the class in person, you’ll have to conform to a rigid schedule and complete coursework, quizzes and practice exams on your instructor’s timeline.
Another benefit of enrolling online that you can choose classes taught by top instructors that cater to your learning style, even if they don’t live in your city. You should be able to tune in at the tap of a fingertip during a time that’s convenient for you.
Our Top Picks
We conducted an extensive online search for the best prelicensing courses to compile our list of top picks. Our selections are from 360training.com, ExamFX, Kaplan Financial and the National Online Insurance School.
In the next section, you will find a description of the top prelicensing courses for the following types of insurance:
- Life insurance
- Health insurance
- Life and health insurance
- Property and casualty insurance
- Medicare insurance
Quick note: When evaluating course options, keep in mind that each state has distinct prelicensing education requirements. The options listed below are offered in most states. Visit each provider’s website to learn more about the specific course offerings for your state.
Best Life Insurance Prelicensing Program
This course is designed to help you master key life insurance concepts and terminology that will appear on the state exam.
1. Life Insurance Prelicensing Course by 360training.com
- Who it’s for: Aspiring licensed life insurance agents
- Price: Varies by state
Offered by a leading provider of regulatory-approved online insurance training, this course will give you the tools you need to pass the life insurance examination and get licensed in your state. This course has served over 10,000 students and boasts a rating of 4.8 stars for its popular course offerings. 360training.com has the highest first-time pass rate of any of the leading insurance prelicensing course providers.
Upon enrollment, you will receive instant access to the most up-to-date life insurance information that applies to your state. And since the course is 100% online and self-paced, you can work through the content at your own speed and during times that are most convenient for you.
Instructors and pricing vary by course. Instructors are industry experts, and the pricing is affordable. Even better, you’ll acquire invaluable knowledge to exceed the expectations of your future customers and recommend the best life insurance options out there.
Best Health Insurance Prelicensing Program
Take the stress out of preparing for the state health licensing exam with this online program.
2. Health Prelicensing Training by ExamFX
- Who it’s for: Aspiring licensed health insurance agents
- Price: Starts at $149.95
Pursuing a career as a licensed health insurance agent? It’s a rewarding career, and you can help consumers save money by selecting the best health insurance policy on the market.
To begin work in the field, the first step is to meet the educational requirements that will prepare you for the exam. For as little as $149.95, you can have access to a comprehensive training program that guarantees you’ll get the exam results you’re looking for.
ExamFX’s basic package grants you 60 days of access to the interactive learning portal, online exam simulations, an ExamFX Guarantee Exam and instructor support.
Core topics covered in the program include health insurance basics, types of health and disability policies, policy provisions and applicable state regulations. And if you don’t pass the state exam — you must score 80% on the ExamFX Guarantee Exam — you’ll get a refund.
If you need more support, you can upgrade to the video study package that also includes on-demand video lectures, online flashcards and ListenUp! Audio. This option is available for $239.80. ExamFX also offers more comprehensive options if you or want to attend a live online or in-person course.
You can get started with this online program by visiting the course enrollment page to view your state’s licensing requirements.
Best Life and Health Insurance Prelicensing Programs
Want to meet your life and health insurance prelicensing education requirements in a jiffy? This course is worth considering.
3. Life and Health Insurance Prelicensing Courses by the National Online Insurance School
- Who it’s for: Aspiring licensed life and health insurance agents
- Price: Varies by state
Learn about the critical topics tested on the life and health state insurance exam in this in-depth course. This course also explores industry principles and applicable state laws, along with sharing pertinent information needed to pass the exam.
Each course includes a host of resources to help you understand and retain the information presented as you work through the material. Enrollment includes access to instructional videos, interactive illustrations, exam simulators and an insurance glossary. And you can also view pass reports to know how you performed in each area and if more practice is needed before registering for the state licensing exam.
The National Insurance School wants to prepare you for the exam in as little as 2 weeks and provides a holistic view of the life and health insurance industry.
The fee for enrollment varies by state. Find the applicable rate by conducting a search of the health insurance prelicensing courses the National Online Insurance School offers in your state.
Best Property and Casualty Insurance Prelicensing Program
Are you looking for a property and casualty insurance prelicensing program that’s both affordable and flexible to varying learning styles? This option may be ideal.
4. Property and Casualty Insurance Prelicensing Exam Prep by Kaplan Financial
- Who it’s for: Aspiring licensed property and casualty insurance agents
- Price: Varies by state
This self-study program from Kaplan Financial has you covered with a format that’s easy to follow. But what makes this program unique is that it doesn’t adopt a one-size-fits-all approach. Instead, you can choose the bundle that best suits your needs.
- Basic Package: An online self-study option that includes study tools and review exams.
- Essential Package: A step up from the Basic Package that also includes a video and audio library.
- EssentialPlus Package: A live and on-demand self-study option that includes study tools, review exams, live online classroom review sessions and review session recordings.
- Premium Package: Live in-person classes with direct interaction with instructors. Courses are also supplemented by online study tools, a video and audio library and review exams.
Quick note: The Essential, EssentialPlus and Premium Packages are guaranteed by the Kaplan Commitment. You’ll receive a refund if you don’t pass the state exam within 3 business days of scoring an 80% or higher on the Mastery Exam.
View offerings by state for more detailed descriptions and price points.
Best Medicare Insurance Prelicensing Program
Medicare insurance is an intricate subject, so it’s worth exploring the following course to foster your understanding and retention of the material.
5. Medicare Long Term Insurance Prelicensing Program by ExamFX
- Who it’s for: Aspiring Medicare Long Term Insurance agents
- Price: Starts at $79.95
Another highly-rated option from ExamFX, this prelicensing program covers all the concepts and terminology featured on state Medicare insurance exams. This program is also backed by a money-back guarantee if you don’t pass the state licensing exam within 3 days of scoring at least 80% on the ExamFX Guarantee Exam.
The program focuses on five core topics: Medicare Overview, Medicare Parts A-D, Medicare Supplement Policies (Medigap), Medicaid and Long-Term Care Insurance.
Enrollment starts at $79.95 and includes 60 days of access to the online interactive learning portal, exam simulations and the ExamFX Guarantee Exam. Instructor support is also available if you need further assistance with the material.
Choose the Right Insurance Prelicensing Course for You
Insurance prelicensing courses not only help you master concepts needed to pass state exams, but they meet the education requirement. In addition, the classes are the first step toward pursuing a new career as a licensed insurance agent.
But with so many course options to choose from, you want to do your homework to ensure the program fits your budget and unique learning style. Most importantly, be sure to check with your state regulatory body to confirm that the course you’re considering is from an approved provider. Otherwise, you’ll be throwing your hard-earned money away.