Insurance Licensing Frequently Asked Questions

For each state licensing exam, the test provider (e.g., Prometric, Pearson VUE, PSI, etc.) publishes an exam content outline that contains a list of the exam subjects used to develop the test questions. This outline is in the Candidate Licensing Handbook for each state and can be viewed at the test provider's website. The actual questions that appear on the state exam are not available to a candidate, or to any test provider

Exam preparation time varies greatly, from a few weeks to several months. Candidates may take longer or shorter, depending on their education level, experience in the industry, and other time commitments (e.g., full-time job, family commitments, etc.). Our goal is to help you minimize this time commitment.

Testing centers are operated by a test provider—a company hired by the state insurance commissioner and/or the state securities administrator for conducting the testing process. At these locations, many different tests are administered (e.g., insurance, securities, nursing, contractors, etc.).

Checking in
When candidates arrive to take their pre-arranged exam, they must check in. If they arrive late, they will not be allowed to take their exam unless they notified the testing center in advance. Each state publishes a Candidate Licensing Handbook that details the test-taking procedure and explains what reasons qualify for being late (e.g., traffic, illness, family emergencies, etc.). When they arrive at the center, candidates must identify themselves using a picture ID (e.g., state driver’s license, passport, eligible state ID card, etc.). In some states, where required, candidates must present a valid Certificate of Completion form. This document is awarded to students by a qualified state provider (e.g., Kaplan) when they successfully complete the required course.

After 
After check-in, candidates must place everything from their pockets, including jewelry, watches, purses, and so on, in a locker and return to the main desk. Candidates will be escorted into the testing room with only their picture ID and locker key and will be placed in their assigned testing cubicle. Before entering the testing room, a test center employee will explain the expected conduct during the exam.

Cameras are present in this room, silence is required, and any suspicious signs of cheating will disqualify a candidate. If cheating is suspected, they will be removed from the room and face disciplinary action from the state administrator. If candidates need to use the public facilities, they will use their ID to leave and return to the testing room. The testing candidates will have a computer terminal in each of their cubicles. They will participate in a tutorial presentation prior to the actual exam. This tutorial will explain to the candidates the directions on how to negotiate the licensing exam. The tutorial explains the functions of the computer, provides a view of multiple-choice sample question and gives directions on how to select an answer.

Pass rates vary from state to state and from license to license. Some states publish pass rate information, while others do not. Visit your respective state’s Department of Insurance website for more information on pass rates. For Kaplan-specific pass rates, click here.

We list exam providers on each state's Insurance Licensing State Requirements page. Please select your state on how to get licensed to find information about your provider.

All of Kaplan Financial Education's prelicensing and continuing education courses are submitted and approved by that state's governing body (where approval is required).

Your state may require additional study hours beyond the live class you are scheduled for. The instructors assume students are not hearing and seeing the material for the first time when class begins.

Our videos have closed-captioning functionality and provide our students a classroom experience. The Audio Review portion of our Insurance Licensing offering does not have closed-captioning functionality.

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You have 60 days access to online insurance study tools starting from the date you purchased them. The online access period for your insurance licensing course is 60 days. An extension of 30 days ($29.00), 60 days ($39.00) or 90 days ($49.00) may be purchased to extend your study time. 

Our Insurance Licensing test prep tools and packages vary from state to state. In general, we offer live, online, and self-study materials and study tools for Life, Health, Property, Casualty, Surplus Lines, Adjuster Licensing, and a variety of other licenses. Stay up-to-date on our most current offerings by visiting your respective state’s page.

You can adjust in your state without a license, however, you may choose to obtain the Texas Adjuster license.

The Texas Designated Home State (DHS) Adjuster license is available to an individual who is a resident of a state that does not license adjusters. This means you can obtain the Texas Property/Casualty Adjuster license just as a Texas resident adjuster would and complete the Texas bi-annual continuing education requirement. The Texas DHS Adjuster license is highly respected in the industry and can significantly enhance your credibility as an adjuster in your home state.

Kaplan’s online Property/Casualty Adjuster licensing course contains the actual state licensing exam for the Texas DHS Adjuster license; therefore, you can satisfy your Texas prelicensing requirement AND pass the Texas P/C Adjuster state licensing exam without having to leave your home or office. Upon completing the Kaplan course and successfully passing the exam, you can remotely apply for the Texas P/C Adjuster License using the procedures found on the Texas State Requirements page. This will provide you the ability to adjust in both your home state and numerous other states that recognize the Texas DHS Adjuster license.

Check with the Department of Insurance in your resident state and the states you wish to adjust to see how the Texas PC Adjuster license can be used in those states.

Adjuster License Required:
AK, AL, AR, AZ, CA, CT, DE, FL, GA, HI, ID, IN, KY, LA, ME, MI, MN, MS, MT, NC, NH, NM, NV, NY, OK, OR, RI, SC, TX, UT, VT, WA, WV, and WY.

No Adjuster License Required:
CO, DC, IA, IL, KS, MA, MD, MO, ND, NE, NJ, OH, PA, SD, TN, VA, and WI.

An individual residing in a state that requires an adjuster license and recognizes the Designated Home State (DHS) exemption may elect to take Kaplan's online Texas Property/Casualty Adjuster course.

The Texas P/C Adjuster license is highly respected in the industry and is available to individuals who want to designate Texas as their home state. This means you can qualify for the Texas P/C adjuster license just as a Texas resident adjuster would and complete the Texas bi-annual continuing education requirement. 

Kaplan’s Texas P/C Adjuster licensing course and exam is ideal for an adjuster seeking an adjuster license under the DHS concept. The course contains the actual state licensing exam for the Texas P/C Adjuster license; therefore, you can satisfy your Texas prelicensing requirement AND pass the Texas P/C Adjuster state licensing exam without having to leave your home or office. Upon completing the Kaplan course and successfully passing the exam, you can remotely apply for the Texas Property/Casualty Adjuster License using the procedures found on the Texas State Requirements page. This will qualify you to adjust in both your home state and numerous other states that recognize the Texas DHS Adjuster license.

If you continue, please be aware that you will be taking Kaplan's online Texas Property/Casualty Adjuster course. Check with the Department of Insurance in your resident state and the states you wish to adjust to see how the Texas PC Adjuster license can be used in those states.

Insurance website to understand what the requirements are for the state in which you would like to become licensed.  Read our article for general processes of becoming an insurance agent.

Life Insurance Licensees are authorized to sell life insurance and annuities policies. (The requirements for insurance licensing vary from state to state. Visit your state’s Department of Insurance website or check with your company to ensure you are obtaining the correct license.)

Health Insurance Licensees are allowed to sell medical, disability, Medicare supplement, and long-term care policies. (The requirements for insurance licensing vary from state to state. Visit your state’s Department of Insurance website or check with your company to ensure you are obtaining the correct license.)

Property Licensees are allowed to sell homeowners, commercial property, and inland marine policies in the state(s) they are licensed in.  Casualty Licensees are allowed to sell auto insurance, workers’ compensation, crime coverage, and professional liability policies in the state(s) they are licensed in. (The requirements for insurance licensing vary from state to state. Visit your state’s Department of Insurance website or check with your company to ensure you are obtaining the correct license.)

With a Personal Lines license, an agent can only sell insurance to consumers, not businesses. They can sell products like auto insurance, homeowners insurance, renters insurance, and policies for boats, motorcycles, and snowmobiles. (The requirements for insurance licensing vary from state to state. Visit your state’s Department of Insurance website or check with your company to ensure you are obtaining the correct license.)

With this license, agents can sell life insurance products that contain an investment element. However, the agents must first obtain the life license before they procure a variable insurance license. Additionally, because the agents are dealing with securities/investments, they must also have certain securities licenses: a federal registration Series 7 or 6, and a state registration Series 63.

Insurance adjusters engage in the business of investigating and adjusting any claim in connection with an insurance policy. They also engage in soliciting for the insurance adjustment business.

Once an individual obtains a "resident" insurance license (i.e., a license issued by the insurance department in their state of residence), they can apply (online) to other states for a "non-resident" license. It must be in the same line of insurance (e.g., life, health, property, etc.).

We know that there's no one-size-fits-all solution when it comes to preparing for your licensing exam. That’s why we offer a variety of options to fit your lifestyle and schedule. Compare our study packages for Insurance, Securities, and CFP^® Exam Prep.

Insurance and Securities Licensing 

After taking our Live Online Class, Kaplan is confident you will pass your Securities or Insurance Licensing Exam. However, if you were unsuccessful in passing your exam or simply wish to take the class again, please get in touch with our Student Support team at 800.824.8742. You may retake the same class within your access period, subject to the conditions described herein.

All enrollments under the PassProtection™ program are subject to space availability in the requested class. Web-based courses or classes may be substituted for live classes at our discretion. PassProtection™ enrollments are limited to your product’s access period.  If you want to extend your access period for additional study time, fees may apply, and a new PassProtection™ Retake term will begin.

CFP^® Certification

Insurance Continuing Education

Insurance Continuing Education does not offer PassProtection^™. If you take the course, you can take the final exam as many times as you wish until you attain the score you need. 

If you can't access your course, please contact our Technical Support team by calling 800.824.8742, then choose option #2. Please visit the Technical Support page for current hours.

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