Kaplan insurance pre-licensing review: clear state-by-state packages
This Kaplan insurance pre-licensing review covers Kaplan Financial Education’s state-specific packages in five tiers. For Life & Health, its state pages list Basic at $139, Essential at $189, EssentialPlus at $249, Career Launcher at $349, and Premium live online at $329-$359 depending on the state. Online access lasts 60 days, and Kaplan offers a money-back guarantee, the Kaplan Commitment. Its 15% ‘ADVANCE’ discount code ended October 16, 2026; Kaplan runs it periodically, so check before you buy.
Last checked October 18, 2026 · Sources: Kaplan Financial Education’s own state Life & Health pages (Texas, New York, Florida, Ohio, Kansas, Minnesota, Colorado). Prices vary slightly by state and line. The rating is our editorial assessment from published details using the rubric on our how we rank page, not a hands-on test.
| Category (weight) | Score | Why |
|---|---|---|
| Question bank (25%) | 4.0 | State-specific practice questions and flashcards (Spanish in some states) |
| Practice exams (20%) | 4.0 | Practice exams across its packages |
| Lectures and materials (15%) | 4.0 | From self-study to live online classes in Premium |
| Platform and mobile (15%) | 4.0 | Online course with live and on-demand options |
| Support (10%) | 4.0 | Live instruction in higher tiers |
| Value (15%) | 3.5 | $139-$359 with a money-back guarantee, but only 60 days of access |
| Weighted rating | 3.9 / 5 |
Our editorial rating, using the same rubric across the site. Scores are based on Kaplan’s published details; see how we rank for the method.
Basic $139 to Career Launcher $349 for Life & Health; 60-day access.
Buy now on Kaplan| Package | List price |
|---|---|
| Basic (online self-study) | $139 |
| Essential (online) | $189 |
| EssentialPlus (live and on-demand) | $249 |
| Career Launcher | $349 |
| Premium (live online) | $329-$359 |
Typical Life & Health list prices from Kaplan’s state pages; some states differ.
What stands out
- State-specific packages for the states it covers, with Spanish-language flashcards in some (such as Texas).
- A tier for every budget, from self-study to live online classes.
- Money-back guarantee under the Kaplan Commitment; check its terms.
- Separate lines: Life only, Health only, or Life & Health.
What to watch for
- Short access: 60 days online on its Ohio page, so time your purchase.
- Check your state’s hour requirement is met by the package you choose.
How the Kaplan Commitment works
Kaplan’s state pages say that if you meet the Kaplan Commitment’s criteria and don’t pass, you can return your package and get a full refund of the package price, excluding any shipping fees. Read the criteria on your state’s page before you buy, since they decide whether you qualify.
Who should skip it, and alternatives
- You want a guarantee tied to a readiness test: ExamFX refunds you if you score 80% on its Readiness Exam and then fail within three days.
- You only need a practice check: Pearson VUE sells $19.95 practice tests in states it serves.
- Your state needs no course: Texas’s Pearson VUE handbook lists none, so a cheaper study guide may be enough; check your state’s rules, such as the Texas Department of Insurance agent licensing page.
Kaplan insurance pre-licensing review verdict
Kaplan is the clearest choice if you want to pick a tier, from $139 self-study to live online classes, and like the security of a money-back guarantee. Buy close to when you’ll study, since online access lasts 60 days. Compare it in Kaplan vs ExamFX or read our ExamFX review.
Common questions about Kaplan insurance pre-licensing
How much does Kaplan insurance pre-licensing cost?
For Life & Health, Kaplan’s state pages list $139 (Basic) to $349 (Career Launcher), with Premium live online at $329 to $359 where offered. Prices vary slightly by state and line.
How long is Kaplan's insurance course access?
60 days of online access, according to Kaplan’s state pages.
Does Kaplan have a money-back guarantee?
Yes, the Kaplan Commitment: if you meet its criteria and don’t pass, you can return your package for a full refund of the package price, excluding shipping.
Is this review sponsored?
No. We currently earn no commission from Kaplan or any insurance pre-licensing provider, and no one paid for this review.
We first checked these prices on October 12, 2026 and rechecked them on October 18, 2026. MockTestPrep is independent and is not affiliated with Kaplan.