Kaplan vs ExamFX for insurance licensing: price, packages and guarantees
Last checked October 18, 2026 · Sources: Kaplan’s state insurance pages (e.g. Texas Life & Health); ExamFX’s Life & Health and package pages; NIPR. Not hands-on tested.
Kaplan vs ExamFX for insurance licensing comes down to clear prices against a test-based guarantee. Kaplan publishes state package prices, from $139 Basic to $349 Career Launcher for Life & Health, with a money-back Kaplan Commitment. ExamFX covers all 50 states, shows prices at checkout, and refunds your course if you score 80% on its Readiness Exam and then fail within three days. Both give 60 days of access.
Kaplan vs ExamFX side by side
| Kaplan | ExamFX | |
|---|---|---|
| Life & Health price | $139 (Basic) to $349 (Career Launcher); live online $329-$359 | Varies by state; shown at checkout |
| Packages | Basic, Essential, EssentialPlus, Career Launcher, Premium | Self-Study, Video Study, Live Online |
| Access | 60 days online | 60 days |
| Guarantee | Kaplan Commitment: full package refund if you meet its criteria | Refund if you score 80% on the Readiness Exam and fail within 3 days |
| Coverage | State-specific packages | All 50 states, built from state exam outlines |
| Add-ons | Varies by package | Printed study guide $49.95; flash cards $39.95 |
From each provider’s own pages, checked October 18, 2026. Kaplan’s prices are typical Life & Health list prices; some states differ.
The main differences
Kaplan’s strength is clarity: you can see each tier’s price before you start, from self-study up to live online classes. ExamFX’s strength is its guarantee, which is tied to a specific readiness score and a three-day window, so you know exactly when you’re covered. Both limit you to 60 days of access, so buy close to when you’ll study. In California, ExamFX sells bundles that include the state’s required 12-hour Code and Ethics course.
Choose Kaplan if
- You want to see the price of every tier before you buy.
- You want an option with live online classes.
- You prefer a money-back guarantee based on Kaplan’s criteria rather than a readiness score.
Choose ExamFX if
- You want a guarantee tied to a clear readiness score and window.
- You want a provider that says it covers all 50 states; check that Kaplan sells a package for your state if you’re comparing.
- You’re in California and want exam prep bundled with the 12-hour Code and Ethics course.
Common questions about Kaplan vs ExamFX
Is Kaplan or ExamFX cheaper?
Kaplan publishes prices from $139 for Life & Health; ExamFX shows prices only at checkout, so compare in your state.
Which has a better guarantee?
Both offer one: Kaplan refunds the package if you meet its Commitment criteria, and ExamFX refunds you if you score 80% on its Readiness Exam and fail within three days.
Which gives longer access?
Both give 60 days, according to their pages.
Is this comparison sponsored?
No. We earn no commission from either provider.
See also best insurance pre-licensing courses. We first checked these details on October 12, 2026 and rechecked them on October 18, 2026. MockTestPrep is independent and is not affiliated with Kaplan or ExamFX.