
Property & CasualtyBest courses
Summary: Best Insurance P&C prep resources (2025 - 2026)
To become a licensed Property and Casualty (P&C) insurance agent and legally sell personal and commercial lines in your jurisdiction, you must first pass the requisite insurance exam in your state. This insurance exam, or pair of exams if your state splits Property and Casualty into two different assessments, covers fundamental topics and insurance regulations. These include: general insurance terminology, key concepts related to Property and Casualty insurance products, policy features and contract provisions, exclusions and coverage limits, and essential endorsements. Along with having a solid grasp of the legal and financial frameworks governing P&C insurance transactions, you'll need to be familiar with state-specific policies.
The details of the P&C insurance exam, including structure, question count, and registration costs, vary in each state; however, the core content remains consistent across the U.S. Regardless of your unique exam's format, achieving a passing score requires focused preparation, in-depth awareness of both federal and state-level insurance rules, and knowledge of specific policy forms. To help you identify the most effective study options, we've compiled a list of top test prep providers offering comprehensive Property and Casualty insurance courses. These include nationally recognized brands such as Kaplan Financial, WebCE, ExamFX, and AD Banker & Company, each with proprietary materials designed for P&C insurance exam success. Explore their tailored insurance P&C study solutions and access user reviews to select the prep course that best matches your needs.
Some user reviews have been slightly edited for length and clarity.
How we evaluated these resources
Our top picks for insurance P&C exam preparation include options that cater to every study need and preference, ranging from physical textbooks to platforms with lots of interactive online tools. We chose our selections based on:
- Cost
- Are the materials fairly and competitively priced? Are more expensive options worth the investment?
- Variety
- Does the core study plan come with extra features, like flashcards, personalized study calendars, etc.?
- Coverage
- Does the material include all major topics on the exam? Which resources are spot-on for targeted reviews, and which will fully prepare you for the test?
- Accessibility
- Are tricky or arcane concepts presented in an easy-to-understand way? Is this product best for all learning styles or for specific learners?
- Community feedback
- Do students tend to 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 insurance P&C exam or exams on your first try?
- Prelicensing qualifications
- Can this course be used to fulfill state prelicensing education requirements?
For each vendor, we outline the key features, advantages, and drawbacks of their study tools, emphasizing both strengths and potential limitations. Use this guide to make an informed decision about how to best prepare for your exam and get one step closer to earning your license.
Most recognizable brand: Kaplan Financial Education
- Kaplan's insurance licensing courses stand out for their wide array of reliable study tools and their various live instruction add-ons, which can be a great asset to any P&C study plan.
- Five course tiers are available for purchase, each fitting a different niche: Basic (geared toward self-studiers), Essential (adds videos and more exams), EssentialPlus (includes recorded and live video lectures), Premium (adds structured, online classroom sessions), and Career Launcher (grants access to the Insurance Accelerator).

- High-impact InsurancePro™ QBank for drilling concepts and custom exams
- Regularly posted content updates and exam tips
- All packages include state law supplements and cram sheets
- Can be used for prelicensing requirements
- Limited access window
- No pass guarantee for the Basic package
- Reviewers often find Kaplan Financial's writing style to be overly complex
- License Exam Manual (LEM)
- Pre-Study Assessment
- Checkpoint and Mastery Exams
- Certification Exams for candidates in states requiring a certification of completion
- Customizable Study Plan
- Performance Tracker
- InstructorLink support
- State Law Support (upper-tier packages only)
- Money-back guarantee (upper-tier packages only)
The Kaplan P&C course, offered through the renowned Kaplan Insurance Licensing program, is a comprehensive pre-licensing and exam-prep solution tailored to help you achieve your state Property and Casualty insurance license. Whether you prefer interactive in-person sessions, live-online classes, or a self-paced, on-demand format, Kaplan Insurance Licensing provides flexible options to accommodate every learning style and schedule. The curriculum features an in-depth License Exam Manual (LEM), a state-specific supplement detailing local insurance regulations, and an extensive suite of study tools, including a robust question bank, checkpoint quizzes, full-length practice exams, mastery assessments, video and audio lessons, as well as a customizable study planner and progress tracker.
What distinguishes the Kaplan Insurance Licensing P&C course from other providers is its adaptability and comprehensive support network. Learners who benefit from structured guidance can select packages that include live, instructor-led classes and on-demand video access, providing real-time interaction and expert instruction. For independent learners or working professionals, self-study and online-only packages deliver the flexibility to prepare at your own pace, while still ensuring access to premium materials and exam-focused practice resources. Additionally, Kaplan's insurance pre-licensing courses are recognized across the industry for their high pass rates and widespread adoption by future Property and Casualty insurance professionals. This reputation is backed by independent reviews highlighting the effectiveness of Kaplan insurance Licensing programs and their alignment with both state and national exam requirements. One drawback of Kaplan Financial's courses is that their materials can sometimes delve into greater detail than necessary, which may make pinpointing important topics a challenge. This could also leave students feeling underprepared when they really may be overprepared, adding unnecessarily to test-day jitters.
“I went through Kaplan Financial for P&C. Passed my exams first try. It was pretty easy to use & I chose to add the 2-day live exam review, which helped a lot with studying/exam tips.”
“I used Kaplan. Questions were very similar on the actual exam, although I will say Kaplan goes a lot more in-depth. The actual exam is easier [and I] finished the exam in like 40 min.”
Bottom line: The Kaplan P&C course is a flexible, comprehensive pre-licensing program that offers live classes, on-demand learning, and self-study options. Its standout features include adaptable learning formats and strong instructor support, though the course may be too in-depth for some test-takers who require a less intensive review.
Best self-paced online course: WebCE
- WebCE, which began as a continuing education company, is now a popular destination for professional training trusted by insurance professionals at every stage of their career.
- Their completely online P&C insurance exam prep course bundles offer a number of cutting-edge tools and thousands of practice questions.

- Flexible options for Property and Casualty exams separately or combined, depending on state
- Exam Tutor program simulates timed exams or creates custom practice tests
- AI-powered Exam Readiness Score with actionable tips
- Can be used for prelicensing requirements
- Limited access window (20 - 40 hours)
- Single-domain exam packages same price as combined exam package, but courses are half as long
- Fewer printable resources
- Customizable study planner
- Flash Tutor tools, including online flashcards
- EXCEED Reinforcement reviews included in Prep Plus packages
- Pass guarantee
The WebCE P&C course offers comprehensive pre-licensing exam preparation and continuing education (CE) content for insurance professionals, all packaged in an accessible, fully online format. With WebCE's Property and Casualty Exam Prep suite, candidates receive a robust selection of study tools, including unlimited practice exams, state-specific and customizable exam simulations, interactive flashcards, a study planner, and an AI-powered exam readiness tracker, all engineered to enhance their chances of passing their state's P&C licensing exam.
What sets the WebCE P&C course apart among insurance education providers is its unique blend of convenience and depth. All WebCE courses are self-paced and delivered 100% online, making them ideal for busy professionals and accessible from anywhere. Developed by recognized industry experts, WebCE's P&C curriculum stays current with all relevant state-specific insurance regulations and standards. Whether you're working toward your initial Property and Casualty license or seeking to fulfill mandatory CE requirements to maintain your credentials, WebCE's online platform is designed for maximum user-friendliness and flexibility, making it a preferred choice for both newcomers and experienced insurance professionals looking to advance their careers. However, due to the short access window, candidates have taken to Reddit to share their tips on how to maximize the course's benefits and utilize its assessment tools for optimal results.
“I highly recommend using WebCE to study the practice exams are very similar [to the actual test].”
“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 P&C course delivers fully online, self-paced pre-licensing and continuing education, complete with robust study tools and trackers. Its standout strengths are convenience, expert-developed content, and instruction tailored for both new and experienced insurance professionals. However, some candidates feel that the platform needs to be "gamed" to maximize the benefits of the limited access window.
Most flexible study tools: ExamFX
- 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.

- Study on your own schedule with variety of tools through interactive learning portal
- Hard-copy study guide, practice questions, and online exam simulations included in all tiers
- Higher-tier packages provide direct instructor support, digital flashcards, and video lectures
- Can be used for prelicensing requirements with pass guarantee
- Limited access period (60 days)
- Online instructor support available only for Online/Live Online packages
- ExamFX's course wording is notorious for being overly complicated at times
- Some reviewers reported tech issues with prep software and user experience
- Readiness exams to gauge preparedness
- Instructor and technical support
- Online flashcards (upper-tier packages only)
The ExamFX P&C course provides a comprehensive pre-licensing and exam preparation solution for aspiring insurance professionals seeking their Property and Casualty license. Available in all 50 states and D.C., ExamFX offers flexible training options to accommodate every learning style and schedule. Students can choose from self-study packages, video-based learning, live online classes, or in-person sessions, where available. Across these formats, the ExamFX platform provides an interactive online learning portal, on-demand video lectures, digital flashcards, realistic simulated exams that mirror the official licensing test, a "Readiness Exam," and the option to add printed study guides, flashcards, and tip sheets for effective offline review.
What sets ExamFX's P&C licensing course apart is its strong emphasis on exam readiness, flexibility, and thorough coverage of all required topics. The ExamFX curriculum includes all major areas tested on P&C licensing exams: general insurance concepts, policy structures, standard policy provisions, as well as specialized subjects such as homeowners insurance, auto coverage, commercial liability, inland marine, flood insurance, umbrella/excess liability, workers' compensation, state-specific regulations, and producer licensing laws. In terms of course language, ExamFX is known for its detailed, textbook-like approach, which may come off as dry to some test-takers.
Nevertheless, ExamFX consistently reports a high pass rate, with approximately 93% of students successfully obtaining their P&C license after completing the course. To further support candidates, the ExamFX "Guarantee Exam" offers a refund if a student scores at least 80% on the readiness exam but does not pass the state licensing exam within the required timeframe.
“ExamFX is amazing! I passed the state test on my first try a couple months ago because of it. My tips would be don't spend too much time on any one section, and take time to review the questions you missed on every chapter quiz!”
“[I used] ExamFX for all exams, except P&C, and easily passed all on first try. I used America's Professor for P&C and barely passed. The guy is more interesting than Examfx, but Examfx is much better with actual test prep.”
Bottom line: With an industry-leading pass guarantee and dynamic study tools, ExamFX has earned a top reputation among aspiring insurance professionals. Test-takers should be prepared to invest significant effort in this course, making it best suited for candidates who require extensive preparation and are willing to engage with complex topics independently.
For a truly comprehensive review: AD Banker & Company
- AD Banker & Company presents itself as a longstanding partner for insurance and financial professionals, offering licensing preparation, continuing education services, and other training resources.
- The Property and Casualty prelicensing course features video lessons, simulated exams, text and audio explanations for each question, content slides, and various activities for complete and accessible prep.

- Variety of options for all study timelines and preferences, including discounted self-study bundles
- Both live, virtual classes and recorded lessons available for instructor support
- Can be used for prelicensing requirements
- Complicated package tiers
- Web Class is somewhat expensive for one session, though study manuals included
- Practice tests do not always reflect the rigor of the actual exam(s)
- Study manual
- Full-length practice exams
- Flashcards
- Ability to retake the web class for up to 6 months
AD Banker's P&C exam-prep course is designed to give you the knowledge and training needed to pass your state licensing exam and become a licensed Property and Casualty insurance producer. The course covers both "property" (protecting buildings, homes, contents, etc., against damage or loss) and "casualty" (liability) (protecting individuals or businesses from legal liability for bodily injury or property damage to third parties). Through the course, you will review all major lines of insurance that are commonly tested: homeowners, dwelling, and personal-auto policies, personal umbrella, commercial property, general liability, business-owner's policies, commercial auto, crime, surety bonds, workers' compensation, farm policies, and commercial umbrella policies, among others.
The course format is flexible and varied, accommodating different learning styles through features such as video lessons, audio-enabled content, interactive activities, drag-and-drop exercises, chapter quizzes, and simulated comprehensive exams that mirror the actual licensing test. If you prefer, there are also live, full-day web classes (included in select packages) that offer a more interactive approach, in addition to self-study. Supplementary tools, including printable PDF study manuals, searchable content, online note-taking, and flashcards, are also provided. Many students report that the practice exams, particularly the full-length ones, can be more difficult than the actual exam, which can either leave students feeling more prepared to tackle the test or less confident that they are exam-ready.
“They are good. I used them for P&C, Life, and Health. Passed each exam on the first try.”
“The AD Banker test is harder than the actual test, but I would not feel comfortable unless I was getting 85 - 90+ on the AD Banker exam.”
Bottom line: AD Banker's P&C course offers comprehensive coverage of all major Property and Casualty insurance topics along with flexible learning formats. Its challenging practice tests and optional live web classes make it a popular choice for learners seeking engaging study tools. However, given that their mock exams are often more difficult than the exam itself, some test-takers feel less prepared based on practice scores.
Why it matters
There are numerous Property and Casualty insurance exam prep providers available, each delivering a wide range of high-quality study materials and dedicated candidate support to help you excel on your insurance licensing exam. Successfully passing the insurance P&C exam enables you to:
- Advance through the insurance license exam process
- Qualify to sell Property and Casualty insurance (P&C) lines
- Assist individuals, families, and businesses in safeguarding what matters most to them
- Protect clients from financial loss resulting from accidents or other emergencies
Many of the providers listed above offer comprehensive Property and Casualty insurance exam prep courses that focus on key content areas covered on the insurance exam, while others specialize in specific learning tools, such as realistic practice tests or engaging video lessons. Choosing a Property and Casualty insurance exam prep program that features up-to-date study resources, interactive P&C exam practice tests, and reliable candidate support is essential for achieving your professional objectives in the insurance industry.
Wrapping up
Licensing exams are the first step on a long and fulfilling professional journey within the insurance industry. That's why it's imperative to select a prep program with comprehensive, well-crafted materials, exam-aligned practice questions, and strong candidate support. Importantly, choosing an exam approved in your state for pre-licensing education, if necessary, can make the process a lot smoother. When evaluating leading P&C insurance exam prep options, such as Kaplan Insurance Licensing and ExamFX, carefully compare features, content quality, up-to-date insurance exam coverage, pricing, and proven effectiveness. This comparison ensures you choose the insurance P&C course that best suits your study style and maximizes your success on the exam, setting you on the right track to achieve your professional goals.