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Meet the AI-Powered Study Partner Built for Insurance Exam Prep:
Introducing Rubi™ AI 

Introducing Rubi™ AI: Your Insurance Exam Partner

Instant Answers, 
Deeper Understanding,
Unshakeable Confidence

Meet Rubi™, the groundbreaking AI study partner integrated into XCEL’s pre-licensing education courses. Built to make your insurance exam prep more efficient and effective, Rubi provides the 24/7 support you need to pass with confidence. 

The most up-to-date and relevant insurance exam topics​

Quick, efficient and streamlined courses​

Bundled, worry-free state packages

Why Choose XCEL for Your L&H Insurance Licensing?

Proven 3-Part Program

XCEL's 3-Part Training Program was instructionally designed to prepare students to pass the first time. This one-of-a-kind approach leverages our basic human instinct to quickly fulfill requirements, prep for the upcoming exam, and memorize what matters – in 3 steps.​

Trusted to Pass

At the end of the day, it’s all about pass rates. Our courses are designed using your state’s published exam content outlines. By teaching students to focus only on the most relevant curriculum, we offer a streamlined approach to passing tests on the first attempt.​

Variety of Study Options

Our study methods are carefully designed to address every learning style from Online Self-Paced to Livestream to hybrid options. Our programs also offer e-books, videos, simulator exams, flashcards, review notes, on-demand lectures, and the best live classes in the industry.​

What to Expect From XCEL’s Life & Health Insurance Licensing Course Package​

XCEL is the nation’s most trusted provider of test-prep solutions for insurance industry licensing exams. Students can become licensed in just a few weeks by enrolling in and following our licensing course with our proven 3-Part Training Program.

Flexibility to study when and where you want​​

Includes national and state-specific insurance topics​

Automated certification reporting to your state​

No hidden fees

Top-notch instructors with real world experience

Unlimited exam retakes​​

Over 800 practice exam questions​

Printable state specific Review Notes (applicable states only)

Master Your Insurance Exam with Rubi™ AI

Rubi is your personalized partner for exam success. Stay on track and master difficult concepts without slowing down your study momentum. 

On-Demand Expert Guidance

Get instant answers to your course-related questions. No more waiting for help. Rubi provides immediate clarification whenever you need it.​

Get your license

Simplify Complex State-Specific Questions

Turn complex, state-specific exam questions and language into simple, understandable explanations. Rubi breaks down complicated topics so you can grasp them quickly and confidently.

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Personalized Practice

There’s no limit to how you can prepare. Whether preparing for your L&H, P&C, or personal lines exam, ask Rubi to create unlimited practice questions and examples on topics you find challenging to reinforce your knowledge.​

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Trusted, Accurate Content

Rubi is trained exclusively on XCEL’s proprietary curriculum, developed and vetted by industry experts. You can trust the information is accurate, relevant, and aligned with your exam. And it can translate into multiple languages!​

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AI-Powered Answers,
Expert-Backed Guidance

Rubi provides instant clarification and real-world examples while you study, keeping you motivated and on track. If you need more in-depth support, our expert instructors are still here for you.

Rubi is a powerful supplement, handling common questions so our team can focus on providing high-value, complex support when you need it most. 

The most up-to-date and relevant insurance exam topics​

Quick, efficient and streamlined courses​

Bundled, worry-free state packages

How Does Rubi Benefit You?

  • Rubi dives deep into practical use cases, connecting regulatory theory to real-world scenarios you'll actually face.

  • Rubi instantly creates unlimited practice questions, especially on your trickiest regulatory details.

  • Rubi brings 24/7 availability and the power to instantly break down complicated, state-specific questions into clear, understandable language.

  • Rubi is an insurance exam expert always available to help you untangle complexity and build momentum.

  • Rubi is trained exclusively on our proprietary content, developed by hundreds of industry professionals, and backed by our decades of experience and proven pass rates. 

  • Rubi is capable of translating into multiple languages, ensuring you work within the language you know best.

Ready to Transform Your Insurance Exam Prep?

Rubi is now included with our insurance exam prep courses. Get the trusted curriculum from XCEL, now enhanced with a powerful AI study partner. 

Life & Health License Exam FAQ​

What can I expect working as a Life and Health 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.​

Health and long-term care insurance agents work with clients to help secure policies that cover the costs of medical care and assisted-living services. They also can help clients secure dental insurance and disability insurance.​​

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

How do I prepare for a L&H Insurance Licensing exam?

You’ve already decided on wanting to sell Life and Health 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 and Health 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 and Health Insurance License exam?

We know it can be a headache to try to figure out state requirements for your Life, Accident and Health 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 and Health Insurance License exam?

Topics vary by state and their requirements. Some topics that may be included in our Life and Health 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 Health 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.