Insurance Exams
Your Exam Is National Content
Plus Your State’s Law.
Life, health, property, casualty, personal-lines and adjuster licensing exams, composed from the national body of knowledge and the law of the state that issues your license.
One subscription, whichever state that is.
Roughly a quarter to a third of your exam is your state’s law. It is the part a national question bank cannot fake.
How the category works
One File, Fifty Products
This is the least-discussed fact about insurance exam prep, and it is worth knowing before you buy anything.
Insurance licensing exams are written to a content outline with two parts. The larger part is national: what an insurance contract is, how life and health products work, what a homeowners policy covers, how underwriting and claims run, what a producer owes a client. The smaller part — a quarter to a third of the questions — is the law of the state issuing your license: its licensing and appointment rules, its unfair trade and claims practices, its guaranty association, its replacement and free-look and grace-period rules, and the mandates it puts on each line.
The incumbents build one national file and sell you a state package cut from it, at $69 to $329 depending on the state and the line, usually on a 60-day access clock. Buy a second state and you buy the national content again. Move states, and you buy it a third time.
We build it the way the exam is actually built: the national content once, taught properly and adaptively, and your state’s law as a layer on top of it. Adding a state means adding a layer, not repurchasing a product.
Named, not counted
Which States Are Covered
Every prep company in this category advertises “all 50 states”.
We are going to name ours instead, and we are not going to name one before it is real.
No state is live yet, because the product has not launched.
That is a real answer rather than a placeholder. AccelaStudy® AI Finance opens in March 2027, and the states covered at launch will be listed on this page by name — each one appearing when its law layer has been built from that state’s published exam outline and its insurance code, and has passed the check that refuses to ship a half-built one.
- We will name the states. We will not publish a number, and we will not say “all 50” before it is true.
- A state missing from the list is a state we have not finished, and we would rather you read that here than discover it in a practice exam.
- The national content — which is the larger part of every one of these exams — is the same work regardless of state, and it is what the free course and the paid course teach first.
- Join the waitlist and you will be told which states opened, by name, on the day they do.
Coverage
The Lines You Can Be Licensed In
Some states examine these separately and some combine them.
Your state’s exam shape comes from its own candidate handbook, because there is no national shape to assume.
Life
Term, whole, universal and variable life; riders and policy provisions; underwriting; taxation; group life; and the annuities that sit beside them, including the suitability and best-interest rules that now govern selling one.
Health
Individual and group health, disability income, long-term care, Medicare and Medicaid, Social Security’s interaction with all of it, and the federal law layer — which changes often enough that a three-year-old bank is quietly wrong about it.
Property
Dwelling and homeowners forms, commercial property, inland marine, and flood — including the federal program, which is its own set of rules and one of the places candidates most reliably lose points.
Casualty
Personal and commercial auto, general liability, the commercial package, workers’ compensation, umbrella, and surety and fidelity. The line with the highest published first-time pass rate, and still the one with the most moving parts.
Personal lines
The narrower license in the states that offer one — personal auto and homeowners without the commercial side. A faster route in, and a real one; we do not treat it as a lesser exam.
Adjuster
Where the state examines adjusters separately: investigation, evaluation and settlement, on top of the coverage knowledge. A different job from selling, and a different exam.
Stated plainly, before you buy
About the Hours Your State Requires
Many states require a number of pre-licensing education hours from a provider they have approved, before you are allowed to sit the exam at all.
- We are not an approved provider, in any state, for any line. Nothing here counts toward an education-hour requirement, and no certificate comes out of it.
- This is exam preparation, which is a different product from the hours — and in most states you need both, because the approved course gets you eligible and does not necessarily get you ready.
- Nor is this continuing education. We do not issue CE credit and we are not a CE provider. If you already hold a license and need CE, this is not the product for that.
- Your state department of insurance sets all of it — the hours, the approved providers, the application, the fees, the fingerprinting. Not us, and nothing here substitutes for what they tell you.
- What we are for is the part after that: knowing the material well enough that the exam is not a coin flip. About 59% of first-time takers passed in 2024 across all lines, on the states’ own reported figures — and life and health sit below that average.
About the Insurance Exams
How many questions is my exam, and how long do I get?
What score do I need?
Do you cover my state?
Can I study for more than one state?
I need life and health AND property and casualty. Is that two subscriptions?
Does this include the application, the fingerprinting, or the appointment?
Be Told Which States Opened, By Name
$79/mo month to month, every line included. Launching Monday, March 29, 2027.
Join the Waitlist