BetterCE review: CE courses, state approvals and costs for agents
BetterCE sells online CE courses and live webinars for insurance agents and adjusters, sorted by state and license type. It doesn't sell pre-licensing.
Packages and courses are priced one at a time, and California and Texas add a state reporting fee at checkout. Agencies can also hire its staff to track licenses and CE.
- Best for
- Producers and adjusters who want a state package with credits reported the same day
- Type
- Online CE and live webinars, plus a staffed licensing service for agencies. No pre-licensing
- Price
- $44 for a 24-hour California P&C package plus a $15.60 state reporting fee. Florida packages from $38.95
- States
- A catalog for each state it serves. We checked California, Florida, New York and Texas
- Formats
- Text self-study and live Zoom webinars
- Reporting
- BetterCE reports the same day for courses finished before 5 p.m. Eastern
Our take
BetterCE fits an agent who wants a state package and the credits on file fast. Finish before 5 p.m. Eastern and the hours go to the state that day.
Plan for the monitor. Each self-study final needs an adult with no stake in your result to watch you take it.
Texas agents can fill their classroom hours with live webinars, which need no exam at all.
Pros
- Same-day reporting before 5 p.m. Eastern
- Live webinars with no exam or monitor
- Full refund any time before your hours are reported
- Packages split by license type and years licensed
- Unlimited final exam retakes
Cons
- Self-study finals need a monitor you find
- California and Texas add a reporting fee at checkout
- Texas is sold course by course, not as a package
- No pre-licensing
States, licenses and approvals
- States
- BetterCE says it is a licensed CE provider in every state where it sells courses, with the approval number on each state catalog
- License types
- Life, health, property and casualty, personal lines and adjusters
| State | Course or provider number | Checked |
|---|---|---|
| California | Provider 327269. 4-hour annuity course 391523 | October 2026 |
| Florida | Provider 370871 | October 2026 |
| New York | Provider NYPO-103978 | October 2026 |
| Texas | Provider 170021. Life course 124885, ethics 124893, ethics webinar 126998, annuity 140989 | October 2026 |
Numbers as BetterCE prints them on its state catalogs and course pages. Approvals change, so look the course up in your state's course search.
Courses and packages
| Course or package | State | Hours | Price | What's included |
|---|---|---|---|---|
| Property and Casualty 24 Credit Hour PackageA typical P&C renewal | California | 24 | $44 | Auto, homeowners, flood and 6 hours of ethics |
| Back to Basics 24 Credit Hour Package | California | 24 | $44 | Life topics, anti-money laundering and ethics. No annuity or long-term care |
| 2025 All Requirements 24 Credit Hour Package | California | 24 | $54 | Both annuity trainings, life topics, anti-money laundering and ethics |
| General Lines 2-20 or Personal Lines 20-44, 24 Hour | Florida | 24 | $45.95 | A 5-hour law and ethics update plus auto, flood, legal and anti-money laundering. Licensed under 6 years |
| General Lines 2-20 or Personal Lines 20-44, 20 Hour | Florida | 20 | $38.95 | The 5-hour update plus auto, flood and E&O. Licensed 6 years or more |
| Property and/or Casualty 15 Credit Package | New York | 15 | $48.95 | Insurance law, ethics, bias training, homeowners and flood |
| The Fundamentals of Life Insurance | Texas | 12 | $34 | A self-study life course |
| Target Ethics | Texas | 3 | $15.50 | The Texas ethics hours as self-study |
| Exploring Insurance Ethics webinar | Texas | 3 | $30 | Live ethics on Zoom that counts as classroom-equivalent |
One-time price per package or course, with one year of access, as of October 2026. California and Texas add a state reporting fee at checkout, listed under fees below. Texas is sold course by course.
Required topics
| Topic | Where it is sold | Price |
|---|---|---|
| Annuity best interest, 4 hours | California, Florida, New York and Texas | $15.95 to $20 |
| Flood | Florida and Texas, plus a 3-hour enhanced course in New York | $13.50 to $15 |
| Long-term care | 8 hours in California, a 4-hour review in New York and Texas | $15.95 to $30 |
| Anti-money laundering, 3 hours | All four states | $13.50 |
| Medicare Essentials, 4 hours | Texas | $20.70 |
Ethics is built into each state package. California ethics courses include 1 hour of anti-fraud training. Florida's one-time flood course for selling flood insurance isn't part of the Florida packages.
Learning formats and final exams
- Self-study
- Text courses with no time requirement. Pass each chapter quiz at 70 percent
- Webinar
- Live on Zoom in California, Florida, New York and Texas. No exam and no monitor
- Classroom
- Texas webinars count as classroom-equivalent credit
- Final exam
- Yes on self-study. Open book on the California life packages
- Proctored
- Yes. An adult who isn't family, your boss, your employee or a partner watches and types their name
- Passing score
- 70 percent
- Attempts
- As many as you need
In Texas only 12 of the 24 hours can be self-study, so plan on webinars for the rest.
Completion reporting and certificates
- Who reports credits
- BetterCE, to the state insurance department
- How fast
- Same day for courses finished before 5 p.m. Eastern. Later ones go the next business day with the earlier date
- Proof
- An email with a link to check the state record
- Certificate
- Click the certificate icon on My Courses after you pass
Pass rates, guarantees and refunds
- Refunds
- Full refund any time before your hours are reported, within 24 business hours of asking
- After reporting
- Usually no refund, but you can ask for an exchange
- Course swaps
- Switch to a course of equal or fewer hours after you buy
Multi-state licenses
- States in one package
- One. Each package is built for one state and license
- Reciprocity
- Support staff answer questions about which credits carry over
Agency and team accounts
- Service
- Licensing and Compliance Support for small and medium agencies
- What it covers
- License and CE tracking, resident and nonresident applications, renewals, transfers and address updates
- CE for staff
- Discounted courses for agents in the service
- Team pricing
- By quote from Cristy Edwards at 404-618-0464
Mobile access, accessibility and languages
- Phone or tablet
- Yes. Courses and webinars run on a computer, tablet or phone with internet
- Progress
- A progress bar lets you stop and pick up where you left off
Plans, fees and total cost
| Fee | Amount | When |
|---|---|---|
| California reporting fee, 24-hour package | $15.60 | At checkout. The P&C package comes to $59.60 |
| California reporting fee, 4-hour annuity | $2.60 | At checkout |
| Texas reporting fee, 12-hour life course | $15.60 | At checkout |
| Texas reporting fee, 3-hour ethics | $3.90 | At checkout |
| Texas reporting fee, 4-hour annuity | $5.20 | At checkout |
Fees as of October 2026. Every course is a one-time purchase with nothing that renews.
Getting started and support
Pick your state and license
Open the state catalog and choose a package or single courses.
Line up a monitor
Self-study finals need an adult who has no stake in your result.
Pass the final
Score 70 percent. Retakes are unlimited.
Credits are reported
Before 5 p.m. Eastern they go in the same day, and you get an email.
Phone 1-888-501-7330, weekdays 8:30 a.m. to 5 p.m. Eastern, or support@betterce.com.
Access, cancellation and data export
- How long you have access
- One year from purchase
- More time
- Ask within 30 days after a course expires
- Auto-renew
- None. Each course is a one-time purchase
BetterCE alternatives
- WebCEFrom $49.95 per state packageState packages plus team accounts with assignments
- 360trainingFrom $39 per state packageState packages with an approval number on every course
- NobleCE$49.95 per 24-hour state bundleLow-cost 24-hour life and health bundles
- ExamFX$49.95 per state library for a yearOne yearly state CE library instead of single packages
- Kaplan Financial EducationFrom $49 per state library for a yearPre-licensing and CE with live webinars
See every option in insurance continuing education.
Frequently asked questions
How much does BetterCE cost?
The 24-hour California P&C package is $44 plus a $15.60 reporting fee. Florida packages cost $38.95 or $45.95.
Is BetterCE approved in my state?
BetterCE prints its provider number on each state catalog. Check the course in your state's course search before you buy.
How fast does BetterCE report CE?
The same day for courses finished before 5 p.m. Eastern, otherwise the next business day.
Do BetterCE exams need a proctor?
Self-study finals need a monitor, an adult with no interest in your result. Webinars have no exam or monitor.
Can I get a refund from BetterCE?
Yes, in full any time before your hours are reported. After that you can usually only exchange the course.
How long do I have to finish a BetterCE course?
One year from purchase.
How we researched this review. We based this review on the pricing, terms and product pages published by BetterCE, reviewed in October 2026, together with our team's experience working with insurance agents and agency owners since 2008.
Corrections
Vendors change their pricing all the time and they don't email us when they do. So if you see a price on here that's gone up, a plan BetterCE quit selling or a contract term that reads different now, let us know and send the link to the page where BetterCE has it. Somebody here pulls up that page and checks it before we change anything on ours.