Starting a new career in the insurance industry requires the right preparation and guidance. We designed our custom-tailored training courses on a proven research-based learning approach to help you succeed.
Find clear answers to the most common questions about the licensing process, state requirements, and how to confidently prepare for your exam.
Getting Started
You must complete a state-approved pre-licensing course, pass the state licensing exam, and submit an application to your state's insurance department. We will teach you exactly what you will need to know to pass your state's licensing exam.
First, complete your state-required pre-licensing education. Second, pass the official state licensing exam. Third, submit your formal license application and clear any necessary background checks. Finally, you can begin selling products under your active license.
Insurance license requirements
Most states require you to complete formal pre-licensing education before you can register for the exam. These requirements vary by state and by the specific license type you choose. We focus on putting students in control of their learning experience to prepare to confidently pass state-based insurance pre-licensing exams.
A life insurance license allows you to sell life insurance products and annuities. A health insurance license covers medical, dental, and health-related insurance plans. A property and casualty license covers auto, home, and liability insurance products.
Insurance license course details
Most candidates complete the entire licensing process in two to six weeks. Your exact timeline depends on your individual study pace and the exam availability in your area.
You can complete your coursework at a pace that fits your schedule. Many students finish the material in just a few weeks by dedicating a few hours to studying each day.
A standard pre-licensing course takes between 20 and 40 hours to complete. The precise number of hours depends on your chosen license line and your state's specific regulatory requirements.
Yes. Most states allow you to take fully online pre-licensing courses. We offer flexible, mobile-friendly tools that let you study anytime and anywhere.
Insurance license exam
You schedule your exam directly through your state's approved testing provider. You can do this immediately after you successfully complete your pre-licensing course.
Most states require a minimum score of approximately 70 percent to pass the exam. Our comprehensive courses ensure you pass your insurance exam on the first try with ease.
After you pass your exam, you submit your official license application to the state's insurance department. You must also complete any remaining state-specific requirements, such as fingerprinting or a background check.
What sets XCEL apart?
Our Prepared to Pass Promise gives you total confidence on exam day. If you complete your course but do not pass the state exam, you may qualify for additional support or extended course access. We seek to consistently exceed expectations for students and our corporate partners.
If you fall short on your first attempt, our pass guarantee ensures you will still succeed. You can review the study materials and retake the course for free, so you are fully prepared for your next attempt.
Take the next step toward success
Don’t leave your future to chance, start preparing for your insurance licensing exam with XCEL today! With our pass guarantee, flexible learning options, and state-specific content, you’ll have everything you need to succeed on your first try. Enroll now and join thousands of students who have confidently launched their insurance careers with XCEL.
Your success is our priority
At XCEL, we’re committed to helping you achieve your goals and build a strong foundation for a thriving career in insurance. From expert-guided learning materials to unmatched student support, we’re with you every step of the way. Take control of your future and start your journey toward becoming a licensed insurance professional—it starts with XCEL!
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Renewing your license (CE)
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