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Summary: Best Life & Health insurance prep resources (2025)
If you're preparing to take your Life and Health (L&H) insurance exam, you may be searching for the best study tools out there to help you get a passing score. After thoroughly reviewing today's leading insurance exam prep providers, we've determined that Achievable stands out as the best Life and Health study program, delivering industry-leading pass rates and a highly personalized study guide tailored to each learner's needs. If you're looking for an all-inclusive online option with plenty of resources to streamline your review, Achievable's adaptive platform is designed to help candidates master every exam topic.
Passing the state's Life and Health licensing exam or series of exams is the first step to becoming a qualified agent who can legally sell L&H insurance products in a given jurisdiction. The test assesses your understanding of core concepts, insurance regulations, and important policy and contract provisions, covering fundamental insurance terminology, product-specific knowledge, policy features and exclusions, coverage limits, and key endorsements. Success requires not only a broad grasp of national L&H insurance frameworks but also familiarity with state-specific rules and policies.
While the structure, number of questions, and registration fees for the L&H insurance exam vary by state, the foundational content remains consistent throughout the U.S. In some states, the exam is separated into two assessments (such as life or health producer), allowing agents to specialize in one specific line. Regardless of your specific exam format, achieving a passing score on your L&H insurance or related test demands focused preparation and proficiency with various policy forms.
To assist you in choosing the most effective Life and Health insurance study resources, we've assembled a list of top-rated test prep providers to compare to Achievable's offerings. These include trusted brands such as Kaplan Financial, WebCE, ExamFX, and Insurance Exam Queen, each with its own proprietary materials and unique study strategies designed for L&H insurance exam success. Explore these tailored L&H insurance exam prep solutions, compare user reviews, and find the course that best fits your learning style and objectives.
Some user reviews have been slightly edited for length and clarity.
How we evaluated these resources
Our top choices for L&H insurance exam prep cover a wide range of learning styles, from traditional textbooks to interactive online platforms. We selected these options based on:
- Cost
- Are the materials fairly priced, and are more expensive options worth the investment?
- Variety
- Does the core study guide come supplemented with extra features, like flashcards, personalized study calendars, etc.?
- Coverage
- Does the material cover all of the exam's key topics? Which resources are best for targeted review, and which provide complete exam preparation?
- Accessibility
- Are tricky or complicated concepts presented in an easy-to-understand way? Is this product best for all learning styles or for specific learners?
- Community feedback
- Do aspiring agents recommend this vendor for insurance license preparation? What do learners like about their instructional materials, practice tests, and other resources?
- Score boosters
- Is the program rigorous enough to help you pass the L&H insurance exam or exams on your first try?
- Prelicensing qualifications
- Can this course be used to fulfill state prelicensing education requirements?
For each vendor, we break down the key features, benefits, and drawbacks of their study tools, highlighting both strengths and potential limitations. Use this guide to select the preparation resources that best suit your needs and move closer to earning your license.
Leading our recommendations is Achievable, recognized for its expertly crafted, easy-to-follow insurance exam curriculum, its modern, tech-forward platform, and its innovative integration of memory science throughout the program.
Best overall: Achievable L&H Insurance
- Achievable Life and Health insurance provides everything you need to pass the exam in a single, high-quality course, all for one price.
- Achievable is not a one-size-fits-all approach: its smart platform tracks your progress, fine-tunes quizzes, and makes study recommendations along the way, allowing you to concentrate on what matters most.
- Approachable and engaging
- Accessible materials built for self-studiers
- High-quality course content written by an insurance prep expert
- Innovative study tools and progress analytics are built into the platform
- Smooth interface on both desktop and mobile
- Unlimited access for a year
- Generous pass guarantee
- Grants certificate of completion for state prelicensing course requirements
- The course does not offer live instruction
- No physical textbook, though there are plenty of printable dump sheets and other materials
- 730+ review questions
- Full-length, realistic practice exams
- Interactive study planner
- Dynamic AI tutor
- Active online learning community
Achievable Insurance L&H stands out as a top choice for L&H insurance exam prep, offering a fully online, high-engagement, and efficient study platform. If you're looking to master the Life and Health insurance exam and are seeking a course aligned with official state outlines, Achievable's modern approach delivers results. The key advantage of Achievable L&H over traditional or competing courses is its proven memory-based study techniques, which boost retention and reduce study time. Acting as your personalized tutor, Achievable's performance tracking tools continually guide your progress and adjust your review strategy for maximum efficiency.
Achievable's effective learning method and adaptive memory techniques make preparing for the L&H insurance exam less stressful and more enjoyable than outdated methods. By analyzing your performance on practice quizzes and insurance assessments, Achievable crafts a custom study route that targets your weakest areas, much like having a dynamic life insurance exam cheat sheet at your fingertips. This adaptive path focuses on reinforcing memory retention rather than just passive content review, streamlining your journey to passing the Life and Health insurance licensing exams.
The comprehensive Achievable L&H package equips you with everything needed for L&H insurance exam success: an engaging online textbook written in plain language, hundreds of review questions, full-length insurance practice exams, a robust study planner, a responsive AI tutor, and resources covering vital insurance topics. Complex concepts, from risk management principles to underwriting fundamentals, are broken down step-by-step with real-world examples. Since the course is accepted by states for prelicensing requirements, completing the full program allows you to achieve two goals in one: preparing for the exam and meeting state compliance standards. With Achievable, mastering L&H insurance material is straightforward and accessible. The course includes unlimited access for one year, all for under $150, and features a money-back guarantee, delivering exceptional value compared to other providers.
“Professional and easy to use, with lots of good information not seen in many other similar products.”
“Excellent platform! Super easy to use, and it takes the stress out of preparing for the exam. So glad that I found this!”
Bottom line: For modern insurance licensing exam preparation, Achievable provides the best overall prep experience in the industry. Skip generic chapter-based textbooks and choose a program packed with advanced tools, like adaptive review and interactive resources, to help you pass your L&H insurance exam faster and smarter.
Most recognizable brand: Kaplan Financial Education L&H Insurance
- Kaplan's insurance licensing courses stand out for their extensive set of dependable study tools and their range of live instruction add-ons, making them a strong addition to any L&H study plan.
- They offer five course tiers, each designed for a different type of learner: Basic (ideal for independent study), Essential (adds videos and extra exams), EssentialPlus (includes both recorded and live video instruction), Premium (adds structured online classes), and Career Launcher (which includes access to the Insurance Accelerator).
- High-impact InsurancePro™ QBank to drill down concepts and generate custom exams
- Regularly posted content updates and exam tips
- All packages include state law supplements, including cram sheets
- Can be used for state prelicensing requirements
- Remote proctoring option with PSI makes it easy to take your test at home
- Limited access window
- No pass guarantee for the Basic package
- Reviewers find Kaplan Financial's writing style to be overly complex
- Practice exams are more challenging than the actual exam
- Prices may differ from state to state
- License Exam Manual (LEM) included in all packages
- Pre-study assessment
- Checkpoint and Mastery Exams
- Certification Exams for candidates in states requiring a certification of completion for prelicensing courses
- Performance Tracker
- InstructorLink support
- Customizable study plan (Essentials and above)
- Video and audio review (upper-tier packages only)
- Money-back guarantee (upper-tier packages only)
The Kaplan Financial Education (KFE) Life & Health Insurance courses are a commonly used study resource by aspiring agents, thanks in large part to Kaplan's brand recognition. Their programs cover essential Life and Health insurance concepts while preparing students to meet state requirements for obtaining a state-issued license to sell these insurance products. With flexibility in mind, Kaplan insurance licensing options include live online Life and Health insurance classes, engaging OnDemand video sessions, and robust self-study materials, allowing you to tailor your learning experience to your preferred schedule and style.
Depending on the Life and Health insurance prep package you select, you may gain access to a complete online course, in-depth state-specific law supplements, immersive video and audio summaries, extensive practice question banks, and fully customizable study plans. The diverse delivery methods provided by KFE ensure that every prospective agent can find an effective path to prepare for their Life and Health insurance license exam.
In addition to covering critical subject areas, Kaplan's L&H insurance courses equip you with vital exam readiness tools: diagnostic pre-study assessments, targeted checkpoint exams, a comprehensive "Mastery Exam" to gauge preparedness, and continuous performance tracking that pinpoints strengths and opportunities for improvement. For many students, this strategic and interactive structure fosters greater confidence and helps raise the chances of passing the Life and Health insurance licensing exam on the first attempt. However, the reviews of Kaplan's actual practice exams are mixed, with some test takers finding them particularly challenging. Other candidates felt that course content was not always presented in the most accessible format.
“Laurel, our instructor, provided 'real life' scenarios and examples that were memorable and applied to the technical knowledge of life insurance that we were learning. It was easier to remember a story during the exam and provide the correct answer. She also shared tips, tricks, and test-taking skills to use during the exam that were invaluable.”
“I feel like Kaplan is not for every learner. I myself felt like I needed a more conceptual schema to internalize the information.”
Bottom line: Kaplan's Life and Health insurance classes offer adaptable pre-licensing study programs that span live instruction, on-demand courses, and self-paced materials, effectively supporting a wide range of candidates. Nonetheless, some students noted difficulties with their complex practice exams as a potential drawback in their Kaplan insurance licensing experience.
Best for drilling questions: WebCE L&H Insurance
- WebCE, which began as a continuing education company, has evolved into a popular destination for professional training, trusted by insurance professionals at every stage of their careers.
- Their completely online L&H insurance exam prep course bundles offer a number of cutting-edge tools and thousands of practice questions.
- Flexible options allow you to focus on Property and Casualty exams separately or on the combined assessment, depending on the state
- The Exam Tutor program allows you to simulate timed state licensing exams or create your own practice tests
- AI-powered Exam Score Readiness Score provides insights and actionable tips for improvement
- Can be used for prelicensing requirements
- Limited access window (20 - 40 hours)
- Single-domain exam packages are the same price as the combined exam package (L&H), but courses are half as long
- Fewer printable resources
- Prices and plans differ by state
- Customizable study planner
- Flash Tutor tools, including online flashcards
- EXCEED Reinforcement reviews included in Prep Plus packages
- Pass guarantee
WebCE delivers a comprehensive Life & Health Insurance pre-licensing exam prep course tailored for aspiring insurance agents seeking their Life and Health insurance license. The WebCE Exam Prep program features study materials precisely matched to each state's Life and Health insurance licensing exam outline, accompanied by a robust suite of learning tools, including unlimited practice exams via "Exam Tutor," customizable digital flashcards, and the "My Study Planner" tool for crafting an efficient and personalized study schedule. In many states, including Florida and New York, WebCE pre-licensing courses meet the required minimum study hours and culminate with a course-completion exam. Upon successful completion, you receive a certificate needed to register for the official state Life and Health insurance licensing exam. The "Prep Plus" complete package also comes with extra review sessions and reinforcement exercises.
In addition to its leading pre-licensing offerings, WebCE provides online continuing education (CE) courses in Life and Health insurance for licensed professionals. These 100% online, self-paced CE courses go beyond foundational policy principles by covering critical topics, including annuities, long-term care, Medicare, and industry compliance requirements. WebCE's flexible platform enables busy insurance agents to earn their license renewal credits on their own schedule, which is particularly advantageous for working professionals managing demanding workloads. However, similar to Kaplan, some users have reported that WebCE's exam prep practice exams can be quite rigorous and may feel unrealistic compared to the actual licensing exam, potentially creating additional stress for test-takers. Some candidates also noted that making the most of WebCE's limited practice exam access windows sometimes requires creative use of the online testing environment, indicating that it may not be the most intuitive.
“WebCE, it is videos and text. I found the practice tests to be very similar to the state test.”
“If you are using the WebCE course, this is the fastest way to learn the material. Spam through the course so you unlock all the sections. Create a custom exam and max out all the questions for each section…Once you get through the whole thing, you should have a few hours left on the course. Use this time to figure out what you got wrong and why.”
Bottom line: The WebCE Life and Health insurance course stands out for its fully online, self-paced pre-licensing exam preparation and continuing education classes for insurance professionals. While many appreciate WebCE's extensive study tools and progress tracking features, feedback suggests that the challenging nature of the practice exams and restricted practice test access may not suit every learner's preferences or needs.
Most flexible study tools: ExamFX L&H Insurance
- ExamFX Property and Casualty offers a wide selection of study tools, including video lectures, quizzes, customizable exams, and performance tracking across multiple package tiers.
- Learners appreciate the adaptable and interactive tools, the numerous chapter reviews, and the no-frills, academic instructional style.
- Ability to study on your own schedule with a variety of study tools through their interactive learning portal
- Hard-copy study guide (textbook), practice question sets, and online exam simulations included in all tiers
- Higher-tier packages provide direct instructor support online, digital flashcards, and video lectures
- Can be used for prelicensing requirements, and all prelicensing courses come with a pass guarantee
- Limited access period (60 days)
- Online instructor support is available only for Online/Live Online packages
- ExamFX's course wording is notorious for being overly complicated at times
- Some reviewers have reported tech issues regarding ExamFX's prep software and user experience
- Readiness exams to gauge preparedness
- Instructor and technical support
- Online flashcards (upper-tier packages only)
ExamFX Life & Health Insurance courses are pre-licensing exam prep programs expertly designed to prepare future insurance agents through a robust set of online tools. Available in all 50 states and Washington, D.C., these programs align directly with your state's insurance license exam outline, thoroughly covering vital topics such as life insurance fundamentals, types of life, health, and annuity policies, supplemental health plans, policy provisions and riders, tax implications, and the most current state regulations. Students considering Life and Health insurance classes will find that ExamFX offers flexible learning formats tailored to a variety of study preferences and schedules. Package options start with a self-study plan (beginning at around $169.95), providing interactive online modules, digital flashcards, and robust exam simulations. For those who prefer a more structured approach, ExamFX also offers video-based learning, live online instruction, and select live-in-person courses.
Every package includes a readiness exam and simulated practice tests designed to closely mirror the real insurance license exam experience. Many users report that the combination of practice exams, multimedia lessons, and adaptive pacing fosters greater confidence and exam readiness. ExamFX distinguishes itself with a high pass rate and offers a "pass guarantee" for qualifying learners, underscoring its reputation as a leading provider of insurance prep. While their content is recognized for its depth and rigor, it's also sometimes described as dense or intensive. Driven candidates can be well-served by the self-paced package, while more guided options remain available for those seeking additional instruction.
“I've heard really mixed things about Kaplan. I just recently completed P&C and L&H through Examfx, and it was an all-around pleasant experience. I love the format, and I never had an issue with studying.”
“I had a lot of trouble with Exam FX. It just didn't seem to align with my learning style. It was all just read and test. I watched a bunch of YouTube videos, which helped me get over the hump.”
Bottom line: For aspiring insurance professionals seeking to obtain their health and life insurance licenses, ExamFX offers dynamic study tools, a structured curriculum, and a strong pass guarantee, making it a top choice for thorough preparation. Candidates should be prepared to dedicate significant effort to complete the course, making ExamFX best suited for those who require comprehensive preparation ahead of their Life and Health exam.
Best course supplement: The Insurance Exam Queen L&H Insurance
- Insurance Exam Queen (IEQ)'s videos are regularly recommended by examinees preparing for L&H as a must-watch for breaking down complicated insurance topics.
- Melissa Dillon, the instructor behind IEQ, has also released several insurance preparation courses; however, it is her free library of instructional and engaging videos that sets this vendor apart.
- Hundreds of hours of video content on everything from exam day strategies to term policies
- From bite-sized videos to longer instructional guides, Melissa's videos are a great asset to any study plan
- Other free, state-specific resources are also available
- L&H Quiz & Exam Bundle, L&H Bronze, L&H Silver packages are all priced under $100
- Resources are better used as a supplement rather than a standalone course
- Limited access period for paid courses (about 100 days)
- Not all courses come with live lessons
- Quizzes and full-length exams available for purchase
- Gold Live and Platinum tiers come with tutor support
The Insurance Exam Queen (IEQ) Life & Health course materials stand out in the world of insurance exam prep as a great supplemental series, well-designed to enhance, but not replace, your required state-approved pre-licensing insurance courses. Insurance Exam Queen's video-based learning approach focuses on simplifying challenging Life and Health insurance concepts, delivering highly focused lessons around the most frequently tested topics you'll encounter on insurance licensing exams. With an emphasis on clarity, powerful memorization tricks, and actionable insights on "what you truly need to know" for the exam, IEQ's core philosophy is ensuring you efficiently master each requirement without overwhelming detail.
Insurance Exam Queen offers its Life & Health exam prep track in several tiers, ranging from the streamlined "Bronze" package (which delivers approximately 15 hours of recap lessons) to advanced bundles like "Gold Plus," "Gold Plus Live," and "Platinum" that offer accessible student notes, review sessions, and more. These top-tier options add live classes and group sessions, personal online tutoring, interactive quizzes, full-length insurance licensing exam simulations, and a thorough state-specific insurance law study guide. There are also many free videos on the IEQ's YouTube page, where the main instructor, Melissa Dillon, hosts study sessions, guest podcast episodes, and more, all with her signature flair. This flexible structure makes the Insurance Exam Queen Life & Health course an ideal backup for aspiring agents who find traditional courses or textbook-based pre-licensing programs challenging. The videos and other materials are great for extra reinforcement to comprehend and remember important insurance concepts, building increased confidence and readiness for their actual licensing exam.
“If you want an easier time with absorbing the material, purchase the Insurance Exam Queen Gold Package. Just Google her name, she also has free videos on YouTube to get a taste for things.”
“I watched her and used [another provider]. I didn't buy the gold package or any of the paid content. However, she does help out a lot. I was able to pass using both [paid provider] and Exam Queen.”
Bottom line: Successful test-takers report that Insurance Exam Queen offers some of the most approachable and enjoyable Life & Health insurance exam prep available today. For those seeking quick support, accessing Insurance Exam Queen's free resources and video explanations online is a great way to augment full-featured paid courses.
Why Achievable is the top choice for Life and Health insurance exam preparation
Achievable's Life and Health course delivers a modern, intuitive learning experience that makes exam preparation more engaging (and far less stressful) than with other providers, including long-standing legacy options. Its full-length L&H program is paired with trusted digital study tools, all at a competitive price, creating a truly superior prep solution.
The interactive Achievable platform serves as both an expert instructor and a supportive tutor, guiding you step-by-step through the full curriculum while pinpointing exactly where you need improvement.
Here's what sets Achievable apart from other Life & Health prep courses:
- Achievable L&H: Adaptive, dynamically responsive study plans that adjust to your strengths and weaknesses using advanced analytics
- Others (ExamFX, Kaplan, WebCE): Static, one-size-fits-all programs with limited personalization
- Achievable L&H: Memory science-based techniques that maximize retention and recall of critical exam material
- Others: Outdated study methods that make it harder to achieve consistent results
- Achievable L&H: A clear, approachable digital textbook written in an accessible language for all L&H candidates
- Others: Dense, overwhelming content that complicates an already challenging exam
- Achievable L&H: A mobile-optimized, tech-forward platform for seamless studying on any device
- Others: Traditional materials that offer little flexibility for on-the-go learners
With Achievable's high-quality Life and Health study materials, data-driven progress tracking, and personalized online support, you get the ideal formula to build confidence, study efficiently, and dramatically increase your chances of passing on the very first attempt.
Why choosing the right test prep course matters
There are numerous Life and Health insurance exam prep providers available, each offering a broad selection of high-quality study materials and dedicated candidate support to help you excel on your exam. Successfully passing the L&H tests or combined assessment enables you to:
- Move forward in the insurance license exam process
- Sell products from both L&H lines, including basic health coverage and variable life insurance
- Assist individuals and families in protecting their health and financial security in the event of illness or death
Many of the providers listed above offer comprehensive Life and Health insurance classes and exam prep courses that cover all key content areas, while others specialize in specific learning tools, such as realistic practice exams or interactive video lessons. Selecting an L&H insurance exam prep program that provides up-to-date study resources, engaging exam practice tests, and reliable candidate support is crucial for advancing in the licensing process and achieving your goals in the insurance industry.
Wrapping up
Licensing exams are the first hurdle to jump on a rewarding professional path within the insurance industry. Selecting the right insurance license exam prep programs, especially those offering comprehensive materials, plays a critical role in maximizing your exam success. Opting for pre-licensing education approved in your state, when required, streamlines the certification process and ensures alignment with current insurance exam standards.
When comparing top L&H insurance exam prep providers, closely evaluate the breadth and quality of their resources. Look for up-to-date insurance licensing exam coverage, detailed exam-aligned practice questions, realistic life insurance practice tests, and strong candidate support. Reliable platforms should offer user-friendly features, affordable pricing options, and resources to enhance studying efficiency.
After carefully weighing these factors (content comprehensiveness, accurate L&H insurance exam materials, provider reputation, and proven success rates), we found that Achievable dominates the insurance exam prep space. With its high-quality interface and intelligent content delivery, Achievable is the ideal tool for maximizing retention and comprehension among a diverse set of learners. By taking a look at all the top options above, you can confidently choose the insurance licensing exam prep course that fits your personal learning style. This thoughtful selection maximizes your potential for passing the insurance license exam on your first attempt and sets you on course to achieve your long-term professional goals in the insurance industry.
