Best Life and Health Insurance Exam Prep Courses

A life and health insurance license is an important certification for any insurance specialist. It can open a lot of doors in your career and generally make you more qualified. 

But getting it requires taking a tough state exam. And if you’re eager to start your career in life insurance, you’ll want to pass your Life and Health Insurance Licensing Exam on your first try in order to start working as soon as possible. 

So what’s the easiest way to do that? By enrolling in a well-made life and health insurance exam online course!

Prep courses can guarantee that your time won’t be wasted. Each of them has a unique and useful approach to preparing you for a career involving health and life insurance policies. Plus, the courses I’ve listed today all have pass guarantees so there’s no risk of wasting your money! 

Keep reading to see how the top 5 life and health insurance courses stack up against each other.

Best Life and Health Insurance Exam Prep Courses

1. STCUSA Insurance Prep 
2. ExamFX Insurance Prep
3. Kaplan Insurance Prep
4. WebCE Insurance Prep
5. A.D. Banker Insurance Prep

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1. Securities Training Corporation

STCUSA’s bread and butter are their video lectures. This is the primary method offered for you to prepare for the upcoming exam, so keep that in mind before enrolling. The goal of this format is to offer an experience that’s similar to learning in a classroom with one teacher.

One of the unique aspects of STCUSA is the accessibility of its instructors. Students can attend livestream exam reviews where instructors walk you through critical topics. I was able to write down questions I had throughout my studying and then get live answers from experts during the livestreams, which was super helpful.

As the course nears its end, STCUSA introduces ‘Exam Cram’, a concise and impactful tool for last-minute revisions. These key points are strategically designed to reinforce core concepts, ensuring that students are well-prepared as they approach their exam date. However, it’s important to note that these facts are supplements and not replacements for the comprehensive study required over the course duration.

STCUSA has exam simulators with unlimited retakes so I was able to take a mock exam that is structured and weighted by topic the same way the real exam is. I found that taking them right before I took the actual exam really helped get me feel prepared.

Course Features

• Video Lectures: Engaging and comprehensive video lectures that simulate a classroom learning experience.
• Instructor Support: Direct access to instructors for personalized guidance and support.
• State Specific Content: Content includes study material for every state’s exam including the District of Columbia.
• Exam Simulators: Three exam simulators that are weighed by topic to match the state exam with unlimited retakes.
• AI-powered exam prep: Instant support with difficult concepts that is built on XCEL’s content.
• Exam Cram: Quick refresher on key topics with Review Notes and Videos for last minute preparation.
• Prepare2Pass Guarantee: If you do well in the course, but don’t pass the real exam you can get your money back.

Pros

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  Classroom-like experience through video lectures enhances understanding.
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  Direct access to instructors for queries ensures personalized learning support.
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  Crunch Time Facts provide effective revision and reinforce learning.
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  Cost-effective course options make it accessible to a wider range of students.

Cons

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  Pass guarantee has several requirements to be eligible to get your money back.
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  May not cater to all learning styles, particularly those who prefer more interactive or hands-on learning methods.
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  Live classes only occur on certain days with the health and life classes occurring at different times.

Bottom Line

STCUSA offers a solid foundation for those preparing for the Life and Health Insurance exams. Its structured approach, combined with accessible instructor support and effective revision tools, makes it a commendable choice for learners seeking a budget-friendly yet comprehensive study guide.

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2. ExamFX

ExamFX distinguishes itself in the field of insurance exam preparation with its innovative live lecture curriculum. This feature allows students to enjoy an immersive classroom experience from the comfort of their own homes. The presence of a live instructor adds a personal touch to the learning process, making the course engaging and interactive compared to other online offerings.

A unique aspect of ExamFX is its inclusion of print materials, recognizing that some students prefer learning with pen and paper. This add-on includes a study guide textbook, flashcards, and a tip sheet. I was able to print out the material to physically work on as I progressed through the virtual video lectures.

ExamFX’s live classes are split between two days with life insurance classes scheduled on Mondays and health insurance classes on Tuesdays. A new feature is the webinar notebooks, with fillable documents to be used as a note-taking tool throughout the live classes.

However, one area where ExamFX could improve is in the diversity of its test questions. Students may encounter repeated questions in practice exams, which can be beneficial for revision but may also limit exposure to new scenarios and topics.

Course Features

• Live Lecture Curriculum: Interactive and engaging live lectures for a real-time learning experience.
• Readiness Exam: An exam that gauges how prepared for the year exam you are, with a pass guarantee for the real exam for students that pass the readiness exam.
• Exam Simulations: Designed to get you comfortable with the real exam format as well as test your readiness.
• Accessible Learning: Easy-to-use platform suitable for a wide range of learners.

Pros

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  Engaging Live Lectures: Enhances learning with real-time interaction and personalized instruction.
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  Flexible Study Options: With printable material and note taking tools, students with varying study habits can be engaged in the lessons.
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  1:1 Instructor Support: Every package includes personalized instructor support from experts.
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  Comprehensive Content: Covers a wide range of topics necessary for exam preparation.

Cons

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  Limited Question Pool: Repeated questions in practice exams may limit exposure to new material.
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  Focus on Traditional Learning: May not cater to learners who prefer more modern, interactive methods.
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  Affordable Package Lacks Material: The cheapest package lacks video lectures and flashcards.

Bottom Line

ExamFX stands out as a top choice for those preparing for life and health insurance exams. Its blend of live lectures, exam simulations, and printable material makes it an attractive option for a wide range of learners. While the question pool could be more diverse, the overall quality and accessibility of the course make it a strong contender in the field of insurance exam preparation.

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3. Kaplan

Kaplan’s Life and Health Insurance exam prep course is renowned for its adaptability to various learning styles. Recognizing the diverse needs of students, Kaplan offers both a live online classroom and an on-demand self-study course. This flexibility ensures that every learner finds a mode of study that resonates with their personal learning preferences.

In addition to the primary course offerings, Kaplan enriches the learning experience with extra video and audio lectures. These resources become available after each reading and practice exam question, allowing students to deepen their understanding of the material. I was able to reenforce the material I learned during my independent studying with listening and watching lectures withe expert instructors.

The structure of Kaplan’s courses is meticulously designed to reinforce core exam topics immediately after they are introduced. This reinforcement is further supported by the use of a License Exam Manual, which provides concise review sessions, breaking down complex topics into manageable segments.

A standout feature of Kaplan’s course is the mastery exam. This exam is crafted to closely mirror the actual insurance test, serving as a crucial indicator of a student’s readiness. The correlation between mastery exam scores and actual exam performance is a valuable tool for students to gauge their preparedness.

However, one area where Kaplan’s live courses fall short is the lack of a availability across all study packages. You have to purchase the two most expensive packages to have access to the live class sessions.

Course Features

• Live Online Classroom and Self-Study Options: Catering to different learning styles with flexible study modes.
• Supplementary Video and Audio Lectures: Additional resources available post-reading and exams for enhanced learning.
• Structured Learning Path: A well-organized curriculum that reinforces core topics effectively.
• Mastery Exam: A simulated exam experience to gauge readiness for the actual test.
• Money-Back Guarantee: Every study material package offers a pass guarantee

Pros

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  Versatile Learning Modes: Accommodates various learning preferences with live and self-study options.
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  Comprehensive Supplementary Materials: Enriches learning with additional video and audio resources.
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  Effective Curriculum Design: Reinforces learning immediately after topic introduction.
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  Realistic Exam Simulation: The mastery exam provides an accurate measure of exam preparedness.

Cons

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  Live Sessions Sparsely Available: Live classes are only available for two of the four study packages.
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  Email-Only Instructor Communication: Limits real-time engagement with instructors.
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  Costly Packages: Kaplan’s packages are not as budget-friendly as some of its competitors.

Bottom Line

Kaplan’s Life and Health Insurance exam prep course stands out for its versatility and comprehensive approach. It effectively covers all bases, providing a well-rounded preparation experience. While the course could benefit from more interactive elements in live sessions, its overall structure and resources make it a strong choice for those seeking a tailored learning experience.

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4. WebCE

WebCE stands out as an ideal choice for students who prefer a paced and thorough approach to exam preparation. The platform is designed to cater to learners who value depth over speed, ensuring a comprehensive understanding of the material.

The cornerstone of WebCE’s exam prep packages is its extensive practice exams. The state exam tutor program offered by WebCE allows unlimited practice tests, which allowed me to become intimately familiar with both the content and format of the actual insurance exam. This feature is particularly beneficial for those who aim to enter their exam with confidence and a deep understanding of the subject matter.

Moreover, WebCE’s courses are crafted with the input of experienced professionals in the field. This ensures that both the licensing and continuing education courses are relevant, practical, and aligned with current industry standards.

However, it’s important to note that additional study aids such as workbooks or flashcards are not included in the base package. These resources are available for an extra fee, which, while reasonable, may lead to an increase in the overall cost of exam preparation.

Course Features

• Unlimited Practice Exams: Offers an infinite number of practice tests for thorough preparation.
• Professionally Designed Courses: Developed with insights from experienced industry professionals.
• State Exam Tutor Program: Tailored program to familiarize students with exam content and format.
• Additional Study Aids: Availability of workbooks and flashcards for enhanced learning (at an extra cost).

Pros

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  In-Depth Practice: Unlimited practice exams ensure complete familiarity with exam material.
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  Expert-Crafted Curriculum: Courses designed by professionals for real-world applicability.
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  Flexible Learning Pace: Ideal for students who prefer a methodical approach to study.
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  Comprehensive Exam Preparation: Covers all necessary aspects for thorough exam readiness.

Cons

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  Additional Costs for Study Aids: Essential study materials like workbooks and flashcards require extra payment.
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  Focus on Self-Study: May not suit learners who prefer interactive or instructor-led formats.
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  No Live Instructors: This course is entirely self-study and does not have live instructors.

Bottom Line

WebCE is a highly recommended choice for those who wish to prepare for their insurance exam at a steady pace. Its practice-focused approach, combined with professional course design, makes it a robust and reliable educational program. While the additional cost for study aids may need to be considered, the quality and depth of preparation offered by WebCE make it a valuable investment for professionally-minded students.

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5. A.D. Banker

A.D. Banker stands out to me by offering a diverse array of course formats to suit every student’s preference. Whether you thrive in self-study environments, prefer the engagement of live online classes, or excel in live in-person settings, A.D. Banker has a solution tailored for you.

A particularly commendable aspect of A.D. Banker’s courses is their availability in multiple languages. This inclusivity ensures that non-native English speakers have equal opportunities to succeed, making the courses accessible and effective for a broader audience.

Each course at A.D. Banker is accompanied by a meticulously designed study manual. This manual is a treasure trove of learning aids, featuring retention questions for each chapter, lightning facts that summarize key points, and other valuable resources. These tools are instrumental in reinforcing and retaining the knowledge gained throughout the course.

However, it’s important to note that the availability of live classes is somewhat limited, being offered only on Mondays and Tuesdays. This scheduling may pose a challenge for students who prefer live interaction but have conflicting commitments on these specific days.

Course Features

• Diverse Learning Formats: Self-study, live online, and live in-person courses to suit different learning styles.
• Multilingual Course Options: Courses offered in multiple languages, catering to a wide range of students.
• Comprehensive Study Manual: Includes chapter-wise retention questions and key point summaries.
• Focused Learning Approach: Designed to enhance understanding and retention of insurance concepts.
• Unlimited Exams: Both the chapter and simulated exams have unlimited attempts.

Pros

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  Flexible Study Options: Accommodates various learning preferences with multiple course formats.
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  Inclusive Language Support: Makes learning accessible for non-native English speakers.
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  Effective Study Tools: The study manual serves as an excellent resource for review and revision.
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  Comprehensive Course Content: Covers all necessary topics for thorough exam preparation.

Cons

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  Limited Live Class Availability: Restricted scheduling for live classes may not suit all students.
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  Alternative Options for Live Learning: Students unable to attend the scheduled live classes may need to consider other providers.
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  Flash Cards Not Included in All Packages: Flashcards are not included in the base online course.

Bottom Line

A.D. Banker offers a well-rounded and inclusive approach to insurance exam preparation, catering to a diverse student base. Its commitment to providing varied learning formats and language support makes it an excellent choice for a wide range of learners. While the limited scheduling of live classes is a consideration, the overall quality and inclusivity of the courses make A.D. Banker a strong contender in the field of insurance exam preparation.

Honorable Mentions

• Mometrix: This course’s study material is good, but it doesn’t have the same amount of material, which keeps it from the top list.
• Achievable: With streamline online material, this is a good choice for students with certain study styles. However, it doesn’t cater to various study styles, which is why it did not make it into the top list.

Finding the Best Life and Health Insurance Exam Prep for You

Unsure about which course is the right fit for you and your study style? Below is a list on which course is best suited for different needs, see if one represents you!

• I want adaptive tech to optimize my learning experience → STCUSA have an AI tutor that was trained with the material you will be covering, meaning you have access to adaptive technology throughout your entire course to target your weaknesses and give you guidance on complex concepts.
• I have a unique study style → A.D. Banker offers a materials that fit into various study styles, from printed material to live class sessions, you can find material in this program that suits your unique way of studying.
• I’m looking for the most study material I can get → Kaplan’s comprehensive course and extra lectures will give you the extra material you’re looking for. As well as a mastery exam to really prepare you for the real exam.
• I’m a working professional and need flexible study material → ExamFX offers audio lectures which you can listen to on your way to work, allowing you study podcast style.
• I want an independent, self study based course → WebCE is a completely independent course with no live instructors involved. If you’re looking to study in your own way, this is a good choice for you.

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