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Life Insurance License Course

Life Insurance License Classes for Exam Readiness

XCEL combines a proven 3-Part Training Program with AI-powered study support to help you get unstuck faster, understand more, and walk into exam day fully prepared.

Up-to-date, exam-aligned content taught by experts​

Highly effective resources designed to meet every learner's needs​

AI-powered study support to get unstuck and stay on track

Prepare2Pass Guarantee*

Meet Rubi™, our AI Study Tool

See Rubi™ in action, offering instant support to help you move through difficult concepts, questions, and scenarios to power up your prep and build real confidence for exam day.

Built on XCEL’s content for trustworthy, reliable results

Concepts click with real-world examples and step-by-step explanations

Avoid confusion with conversational engagement and simplified language plus multi-language support

Ensure understanding when you generate new practice questions on demand

What Makes XCEL the Right Choice for Life Insurance Licensing Classes?

Proven 3-Part Program

Build a strong foundation first, then reinforce what you’ve learned with focused exam prep review and exam simulators.

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Trusted to Pass

Get ready to pass with structured courses that line up with your state's exam syllabus to make sure you learn exactly what you need to pass. 

Variety of Study Options

Study with comprehensive resources, including ebooks, engaging videos, practice tests, and evan an AI-powered study tool to offer immediate support. ​

What's Included in the Life Insurance Licensing Package?

XCEL is the right choice for insurance exam prep solutions. Our highly effective, 3-Part Training Program blends initial learning, exam review, and exam simulations, so you can be ready to pass your exam in just 10 days!

National and state-specific insurance topics​​

Automated pre-licensing coursework reporting​

AI-powered exam prep for immediate study support​

Expert instructors with real-world experience

Exam simulators with unlimited retakes

800+ practice questions

State-specific exam review notes (where applicable)​

Convenient learning on a user-friendly, mobile-friendly interface

Prepare for Your Life Insurance Exam with XCEL​

XCEL’s convenient exam prep packages are designed to help you pass the first time. Choose the option that fits your learning style and get exam-ready with confidence.

Premier Package

The ultimate package including everything you need to pass the first time or your money back.

Ideal for those looking to maximize their studying with various learning formats.

Standard Package

A solid foundation to prepare to pass your pre-licensing exam without all the extras.

Ideal for those who are self-motivated and will prioritize learning on their own.

What Is XCEL's Proven 3-Part Training Program?

XCEL offers a clear path to getting licensed with a 3-Part Training Program that teaches you what you need to know and tests your knowledge.

Part 1

Build Your Foundation & Meet Requirements

Our state-specific insurance licensing classes put you on the path to passing your exams with expert-led instruction, bite-size videos, and more to help you meet your licensing requirements. Our AI study partner, Rubi™, is built into each lesson, so you can ask questions, get instant explanations and examples (in multiple languages) and stay on track from the start.​

Part 2

Focus on What Matters Most

After completing Part 1, you’ll unlock the Prep Review Course with more streamlined content that lines up with what will be on the exam, so you can focus on the most important material. Rubi™ continues to be by your side, helping you break down difficult concepts, reinforce weak areas, and feel confident heading into exam day.

Part 3

Test Your Knowledge

There are three exam simulators. Each simulator is weighted by topic to match the state exam, allows for unlimited retakes, and can only be unlocked by completing the previous exam. We recommend completing these the 24 hours before your state exam to keep the information in the front of your mind.​​

Additional Life Insurance Exam Prep​

XCEL provides you with a mobile-friendly, interactive toolbox of online study aids, review tools, and comprehensive knowledge assessments to approach your exam with confidence and proficiency. Learn more about our additional Study Tools and Reviews.

On-Demand Lecture Videos

In-depth, pre-recorded lessons, covering the most frequently tested and difficult concepts.​

Get your license

800+ Flashcards

Test your knowledge on fundamental terms & help reinforce important principles and key topics.

Learn More

Livestream Exam Reviews

Our instructors will walk you through the critical topics and difficult concepts to ensure you pass.​

Learn More

Interested in Bulk Pricing for Your Company?​

Learn more about becoming an XCEL Partner and see if you qualify for additional discounts.

Life License Exam FAQ​

What can I expect working as a Life Insurance agent?

Life insurance agents work with clients to help secure policies that pay beneficiaries when a policyholder passes away. Life insurance agents also can help people prepare for retirement by offering certain types of annuities.​

Qualified insurance agents are in high demand. In fact, it is expected to grow by 6% through 2031.​

How do I prepare for a Life Insurance Licensing exam?

You’ve already decided on wanting to sell Life Insurance and understand the general requirements for your state, now you need to prepare for your licensing exam!​

  1. Enroll and take XCEL’s Life Pre-Licensing Course Bundle– This includes completing the entire 3-part system that is proven to help you pass your exam on the first try​
  2. Decide if you need additional study tools – XCEL offers flashcards, on-demand lectures and even a 1-day comprehensive livestream exam review​
  3. Schedule and take your state’s exam – now that you’ve finished your 3-part pre-licensing bundle, we’ve automatically sent your pre-licensing certificate to your state (if applicable).​

What are the requirements for the Life Insurance License exam?

We know it can be a headache to try to figure out state requirements for your Life License. That is why we’ve put together a State Guideline Resource where you can quickly find the requirements for each state in an easy-to-understand PDF. ​Simply navigate to our page. Please note: although every effort is made to maintain the accuracy of this information, recent changes in laws and procedures may not yet be reflected in these documents.

What topics are covered on the Life Insurance License exam?

Topics vary by state and their requirements. Some topics that may be included in our Life Pre-Licensing Courses are basic principles, underwriting, types of policies, policy provisions, uses of insurance, state laws, and more.

How much does the Life and Insurance exam cost?

The state licensing exam cost varies by state and is not included in your XCEL course price. State licensing exams can range from $40-$150.​​

Once in your XCEL course dashboard, you will be able to get a direct link to schedule your state exam through one of the 4 national testing providers, such as Pearson Vue, Prometric, PSI and state independent.