Kaplan University School of Professional and Continuing Education Kaplan University School of Professional and Continuing Education

FAQ About Insurance Licensing

Frequently Asked Questions

Exam Related

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 prelicensing course.

After check in
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 the main insurance page and then choose State Requirements to find information about your provider.

Insurance Exam Prep Products & Study Tools Related

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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We’ve created a video to walk you through the basics of setting up your calendar. View it now »

We’ve created a video that walks you through the best way to set up and use the InsurancePro™ QBank. View it now »

You have 90 days access to online insurance study tools starting from the date you purchased them. If you would like an extension, you can purchase another 90 days of access for $49.

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.

Insurance Industry Related

The requirements for insurance licensing vary from state to state. Visit your state’s Department of 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.)

Surplus Lines Agents can provide coverage for unique or unusual situations that represent risks that standard/normal insurance companies don't or won't write. Examples include daycare insurance, coverage for oil drilling rigs, and special events like state fairs, car races, and outdoor amusement parks. Most states require individuals to have experience in the insurance industry before they can obtain a Surplus Lines 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.

A Worker's Compensation Adjuster is someone who investigates and adjusts claims specifically related to worker's compensation policies.

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.).

FAQ for Kaplan Financial

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  8. Read the Terms & Conditions and click I Agree.
  9. You should now be in the Online Access home.

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

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Please visit the Kaplan Way section to learn more about our learning science methodology.

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

Insurance Licensing 

You're covered by our PassProtection™ program if you utilize Kaplan Financial Education's review class to prepare for a licensing exam. Please visit our PassProtection page for details.

Securities Licensing

You're covered by our PassProtection™ program if you utilize Kaplan Financial Education's review class to prepare for a licensing exam. Please visit our PassProtection page for details.

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 are able to take the final exam as many times as you wish until you attain the score you need. 

Kaplan's full return policy can be found here.

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, CFP Education, and CFP Exam Prep.

Technical Requirements and Support

Kaplan makes every attempt to make our websites and products mobile- and tablet-friendly. However, not all features are compatible with all tablets and phones.

  • When working on regulated course material, we recommend using a Windows- or Mac-based desktop or laptop computer.
  • We recommend the use of Windows 7-10 or macOS 10.9 or later operating systems.
  • We recommend the use of current Chrome, Firefox, or Safari browsers. We also support Internet Explorer 11 and 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 2MB connection.

Many internet browsers have already begun phasing out Flash (e.g. Microsoft, Chrome, Firefox) due to security vulnerabilities, reduced power consumption, and faster page loads. Kaplan is proactively working toward replacing Flash to ensure uninterrupted service for our customers and, more importantly, reduce the critical security vulnerabilities that Flash poses to our customers. Some of our clients have already begun the process of disabling Flash on their internal networks due to IT security risks.

WebRTC is a protocol supported by modern browsers. If your browser does not support WebRTC, you must install the Temasys WebRTC browser plugin or use a supported browser before Monday, December 4, 2017, to avoid any disruption in service. Please see the list below. We recommend utilizing the latest versions of your browser. To test your browser, please run this test: Kaplan Connection 2.0 Browser Test.

Please navigate to this website to install the Temasys plugin on your machine OR forward onto your IT team to install across your company's network.

If I try launching the Live Online classroom and my browser does not natively support WebRTC, what can I expect?

When launching the Live Classroom from a browser that does not natively support WebRTC (i.e. IE 11), the user will receive an Audio/Video Plugin Required message.

To ensure a smooth transition for your organization, please take the following steps and contact us if you have any issues.

  1. Allow for TCP connection secured over TLS over port 443 along with UDP Ports 443 and 10,000 - 20,000
  2. If your company utilizes an internet browser not natively compatible with WebRTC (IE11 or before, Safari 10 or before), install the Temasys plugin

We have already begun phasing in this new technology, and all products will be switched over by July 31, 2018. At that time, all live online classes will be delivered via the upgraded HTML5-based technology.

Products impacted:  This will impact live online classes only.

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Mac

Operating System Windows 7 - 10 OS X 10.9 to 10.12
Browser: Browsers with WebRTC browser extension and the ability to install browser extensions for audio/video and screen sharing.
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  • Mozilla Firefox (latest version)
  • Apple Safari 5 or later
  • Google Chrome (latest version)
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A/V
  • Web Camera connected to the computer for streaming video feed
  • Microphone for streaming audio feed
Mobile Support

Mobile is supported by the use of the HTML5Meeting App. Available in the AppStore and Google Play Store.

Network
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  • 500kbps for screen sharing
  • Internet connection 1 Mbps or better - broadband recommended
  • Allow for TCP connection on port 443
  • Allow for UDP connection on ports 443, 10,000-20,000

* Minimum requirements depends on the number of video feeds

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