If you plan on starting a new career in insurance, most states require you to complete pre-licensing classes, and all states require you to pass a state insurance licensing exam. You can choose self-paced, online insurance classes or go with in-person instruction, knowing that the one you choose will impact your schedule, budget, and possibly even your success on exam day.
We’re looking at online vs in-person insurance classes, weighing the pros and cons and how to choose the best option for your learning preferences to help you make the right choice.
Online vs In-Person Insurance Classes: Key Differences
While it may seem self-explanatory, we’re outlining the primary difference between online insurance classes and in-person classes.
|
Feature |
Online insurance classes |
In-person insurance classes |
|
Location |
Anywhere with an internet connection |
A physical classroom or training facility at a specific location |
|
Schedule |
Fully flexible and self-paced |
Fixed dates and strict meeting times |
|
Pacing |
Controlled by the student |
Dictated by the instructor and the syllabus |
|
Materials |
Digital flashcards, pre-recorded video modules, and ebooks |
Physical textbooks, printed handouts, and whiteboards |
|
Interaction |
Virtual support and digital communication |
Face-to-face discussions with peers and instructors |
|
Commute |
None required |
Requires travel to and from the facility |
In-Person vs Online Insurance Classes: Pros and Cons
Every student learns differently, so it’s important to evaluate the pros and cons of both online insurance classes vs in-person options to help you identify which environment will keep you focused and engaged.
Benefits of Online Insurance Classes
Online learning provides the most flexibility. You can access your study materials anywhere and anytime, allowing you to fit your exam preparation around a full-time job or family obligations.
Digital platforms also allow you to review complex topics as many times as you need. If you struggle with a specific concept, you can simply rewind the video module, re-read the paragraph in the book, or retake the practice quiz until it clicks.
XCEL’s learning platform is mobile-friendly, allowing you to study right from your phone or tablet!
Drawbacks of Online Insurance Classes
There are two primary drawbacks to insurance classes online.
- The need for self-discipline
- The ability to ask questions
Without a physical instructor or a set time to attend a class, you need to motivate yourself to log in and complete the coursework. Similarly, without an instructor in person, it may be difficult to access the support you need when you have questions or are stuck on a concept.
Get immediate support and answers to your questions with XCEL’s AI study partner, Rubi™!
Benefits of In-Person Classes
Traditional classrooms offer structure and accountability. Showing up at a set time helps you stay on track, and face-to-face instruction makes it easier to get immediate clarification when you need it. You also have the chance to connect with other aspiring professionals and start building your network.
Drawbacks of In-Person Classes
In-person classes follow a fixed schedule, which can be hard to manage. If you miss a class because of illness or a conflict, it can be tough to catch up, and it may affect your ability to complete the class. The pace also moves with the group, so you may feel rushed through harder topics or slowed down by material you already know. On top of that, commuting to class adds extra time to your day.
Do Online Insurance Classes Have a Higher Pass Rate?
So, are you more likely to pass when taking online insurance classes or in-person classes? Success depends less on location and more on the quality of the study materials and consistency of preparation. Historically, highly motivated students succeed in either environment.
However, modern digital platforms have revolutionized test preparation. For example, XCEL’s state-specific pre-licensing education and exam prep was built on a proven, research-based learning model. You’ll learn foundational information in the pre-licensing course, dig deeper into the exact topics you need to know to pass the exam, then test your knowledge using XCEL’s exam simulators. This helps you identify your weak points and focus your energy where it matters most.
Choose Based on Your Learning Preference
If you’re on the fence between online insurance classes and in-person classes, the best thing to consider is how you learn.
If you are highly motivated, prefer to work at your own pace, and need flexibility on how, where, and when you learn, consider online classes. On the other hand, if you benefit from group discussions and need the accountability that comes from having a specific schedule to follow where your presence is mandatory for completion, you may be better served by in-person classes.
For those who want the best of both worlds, many digital providers now offer live review sessions. These scheduled video classes provide the interactive benefits of an instructor-led course while maintaining the geographic flexibility of remote learning.
Online vs In-person Insurance Classes: Cost and Flexibility
Cost matters when starting a new career. In most cases, online insurance courses are more affordable and flexible than in-person classes.
In-person classes often cost more because providers must cover classroom space, printed materials, and instructor travel. Students may also pay extra for gas, parking, and commuting time.
Online courses remove many of these overhead costs, making them a more budget-friendly option. They also give you access to tools like flashcards, practice questions, and guided study materials that work from any location.
Online learning also makes it easier to study whenever you have time. You can review material during a lunch break, between errands, or whenever it fits your schedule, helping you stay consistent and move toward licensure faster.
Choose XCEL for Online Insurance Classes
If online insurance classes are the right choice, choose XCEL for your pre-licensing education and exam prep. With our proven 3-Step Training Program and AI-powered support, you’ll build a strong foundation in state-specific knowledge, then study the exam-aligned content, and ensure comprehension through exam simulations.
See why XCEL is the nation’s leading insurance educator—start your career journey today!
