Our Live Online, Live & OnDemand, and Self-Study Online insurance licensing solutions provide a safe and convenient learning environment for our students, customers, and community. Select Your State »

Insurance Licensing Frequently Asked Questions

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.

Exam Related FAQ

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.

Insurance Exam Prep & Study Tool FAQ

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.

We’ve created a video to show you how to benefit from Performance Tracker. View it now »

  1. Click Login in the top menu.
  2. Choose your product.
  3. Enter your username and password.
  4. Click the Login button.
  5. If a security warning pops up, click Yes.
  6. On the left menu bar, click Access Your Courses.
  7. The first time you you will see the Terms & Conditions.
  8. Read the Terms & Conditions and click I Agree.
  9. You should now be in the Online Access home.

We’ve created a video that walks you through the best way to set up and use your study 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 Adjuster FAQ

The following states do not require that insurance adjusters be licensed; however, the Texas Designated Home State (DHS) License is highly respected in these states and is proven to enhance credibility to clients: CO, DC, IA, IL, KS, MA, MD, MO, ND, NE, PA, NJ, OH, SD, TN, VA, and WI.

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.

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.

Insurance Industry FAQ

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.).

Kaplan Financial Education FAQ

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 InsuranceSecurities, and CFP® Exam Prep.

Kaplan's full return policy can be found here.

Read about each subject area's PassProtection policy below.

Insurance and Securities Licensing 

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

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

Please visit the Kaplan Way section to learn more about our learning science methodology.
Current system requirements can be found here.

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.

If you’d like to place an order for someone else, but you are not an admin and/or don’t have access to a company portal, please contact our Student Support team at 800.824.8742.

Our policy gives you the opportunity to reschedule up to 8 days before your class. If changes or cancellation takes place within 8 days of the class, a $20 admin fee or $100 cancellation fee may apply.  Call or email our Student Support team at 800.824.8742 or contactus@kaplan.com with the date, time, and location that works best for you. If you want to extend your access period for licensing classes for an additional amount of study time, fees may apply.

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.
  1. Click Login in the top menu.
  2. Choose your product.
  3. Enter your username and password.
  4. Click the Login button.

If a security warning pops up, click Yes.

  1. On the left menu bar, click Access Your Courses.
  2. The first time you log in, you will see the Terms & Conditions.
  3. Read the Terms & Conditions and click I Agree.
  4. You should now be in the Online Access home.

Follow these steps to change your password:

  1. Enter your email address here.
  2. In the recovery email you received, select the link provided to input your new password.
  3. After submitting your password, select Log in now and log in with your username and password.
  4. Select Access Your Courses in the upper right corner.
  5. Select your course to begin studying.

Please view our current return policy.

Technical Requirements and Support FAQ

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 the 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.

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. 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. 

Phone: 800.824.8742 (U.S.) or +1 608.779.8301 (International)

Please visit the  Technical Support page for current hours.

After-hours support is available by submitting a Tech Support Contact Request. Requests will be responded to within 24 hours.

Need a Little Guidance?

Connect with our student or technical support teams for further assistance.

Shop Your State's Insurance Prelicensing Packages

Shop By State