Kaplan Financial vs. ExamFX: Which Is Better for Insurance Licensing?
Compare Kaplan Financial Education and ExamFX for insurance pre-licensing and exam prep. Evaluate course formats, pricing, state coverage, and study tools.
Last updated February 2026
Kaplan Financial Education
Kaplan's insurance licensing division offering pre-licensing courses for property & casualty, life & health, and other insurance lines of authority across 47+ states. A trusted name in financial and insurance education for decades.
Best for: Aspiring insurance agents who value a well-known education brand with comprehensive state-approved courses across multiple insurance lines.
ExamFX
Insurance licensing exam prep and pre-licensing education provider serving all 50 states plus DC. Known for their Greenlight Pass Guarantee and exam-centered approach to insurance education.
Best for: Aspiring insurance agents who want maximum exam pass rate assurance with the confidence of a pass guarantee and broad state availability.
Side-by-Side Comparison
| Category | Kaplan Financial Education | ExamFX |
|---|---|---|
| Course Formats | Self-study (text + online), OnDemand video, and Virtual Classroom with live instructor | OnDemand self-paced video and instructor-led virtual sessions |
| Pricing | $99–$249 per line of authority — varies by state and format | $79–$249 per line of authority — varies by state and format |
| State Coverage | 47+ states for P&C and Life & Health lines | All 50 states plus DC |
| Insurance Lines Covered | P&C, Life & Health, Health, Accident, Variable Annuities, and more — broad line coverage | P&C, Life & Health, Health, Accident, Variable products, and surplus lines — similar broad coverage |
| Study Tools | Q-Bank with randomized practice questions, simulated exams, and digital flashcards | Greenlight simulated state exam — when you pass Greenlight, ExamFX guarantees you'll pass the real exam |
| Pass Guarantee | Available on select packages — refund if you don't pass after completing all requirements | Greenlight Pass Guarantee — pass the Greenlight simulated exam, then ExamFX guarantees your state exam pass |
Our Take
ExamFX is the better choice for most insurance licensing candidates due to its all-50-states coverage and the clearly defined Greenlight Pass Guarantee. Its exam-focused approach and simulated state exams are highly effective at preparing students for the actual licensing test. Kaplan Financial is worth considering for students who want the flexibility of a live virtual classroom or prefer a more conceptually thorough explanation of insurance content. Both are strong options — ExamFX wins on coverage and guarantee clarity; Kaplan wins on live instruction options.
This is an editorial assessment based on publicly available information. Individual experiences may vary.
Ready to get started with Kaplan Financial Education?
Aspiring insurance agents who value a well-known education brand with comprehensive state-approved courses across multiple insurance lines.
See Current Pricing →Affiliate link — see disclosure below
Ready to get started with ExamFX?
Aspiring insurance agents who want maximum exam pass rate assurance with the confidence of a pass guarantee and broad state availability.
See Current Pricing →Affiliate link — see disclosure below
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