Insurance Licensing FAQs

Your Complete Guide to Insurance Licensing FAQ

Find answers to all of your questions about Kaplan's Insurance Licensing program. If you have any additional questions or would like to work with our Student Support team, just contact us.

Insurance Exam Related FAQs

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

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.

Insurance Exam Prep & Study Tool FAQs

Insurance Adjuster FAQs

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.

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 Industry FAQs

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.)

Kaplan Financial Education FAQs

Read about each subject area's PassProtection™ policy below.

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.

For more information, please call Student Support at 800.824.8742.

CFP® Certification

You are eligible for PassProtection™ if you purchase a Live Review Study Solution. If you do not pass the CFP® exam after purchasing a Live Review Study Solution, you will receive a free subsequent Live Review Study Solution within a one-year window of time (three exam cycles).

To be eligible, you must submit your Official Score Report to fpexamresults@kaplan.com within three weeks of receiving it from CFP Board. All exam results will remain confidential.

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're currently enrolled in one of our courses and have questions related to:

Locating/tracking materials, rescheduling a class, or filing of CE credits, please contact our Student Support team: 800.824.8742 or contactus@kaplan.com.
Accessing or viewing your courses or assistance with online education, our Technical Support team can help you: 800.824.8742, then choose option #2. Please visit the Technical Support page for current tech support hours.

Technical Requirements and Support FAQs

Kaplan makes every attempt to make our websites and products mobile- and tablet-friendly. However, not all state-required/regulated products allow for mobile tablets and phones to be used.

When working on the state-required/regulated course material, you are required to use a Windows- or Mac-based desktop or laptop computer.
We recommend the use of Windows 10 or 11.
We recommend the use of current Chrome, Firefox, or Safari browsers. We also support Edge.
For business customers, please verify the browser choice and use with your manager or IT department.
We recommend online learners have the latest version of Flash (until Aug 1st, 2018) when it will no longer be needed.
We recommend online learners have at least a 3MB connection.

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Insurance Licensing FAQs

Your Complete Guide to Insurance Licensing FAQ

Insurance Exam Related FAQs

How do I know what is on the test?

How long will it take for me to prepare for the state insurance exam?

What happens at the testing center?

What happens during the test?

What is the pass rate on insurance licensing exams?

Who is my exam provider?

Insurance Exam Prep & Study Tool FAQs

Are Kaplan's exam prep courses approved by my state?

Do I need to study before I come to class?

Do your products have closed-captioning functionality?

How can Performance Tracker help with my exam prep?

How do I access my online tools?

How do I set up my Study Plan?

How do I set up the InsurancePro™ QBank?

How long do I have access to the online products?

What products do you have?

Insurance Adjuster FAQs

What if my state does not require an adjuster license?

Which states recognize the Texas DHS Adjuster license?

Which states require an adjuster license?

What if my state does require an adjuster license?

Insurance Industry FAQs

How do I become licensed in insurance?

What can I do with a life insurance license?

What can I do with a health insurance license?

What can I do with a property and casualty insurance license?

What can I do with a personal lines insurance license?

What can I do with a variable products insurance license?

What can I do with an adjuster license?

Can I get the same license in more than one state?

Kaplan Financial Education FAQs

What education package is right for me?

What is Kaplan's return policy?

What is Kaplan's retake policy for classes?

What is the Kaplan Way?

What are the system requirements for Kaplan's online courses?

I'm locked out of my Kaplan course. What should I do?

I'm having problems ordering an education package for someone else. What do I do?

I have questions about my Kaplan course. Who can help me?

How do I log in to access my Kaplan online tools?

How do I change my password?

Can I return my Kaplan study materials if I am not satisfied?

Technical Requirements and Support FAQs

What are Kaplan's system requirements?

How do I contact Kaplan Tech Support?

Need a Little Guidance?

Insurance Career Advancement Articles

Why do Insurance Agents Fail?

Market Ethics and the Retiree Market

8 Must-Have Marketing Strategies for Insurance Agents

Anti-Money Laundering: How to Spot Money Laundering in Insurance