ExamFX review: CE courses, state approvals and costs for agents
ExamFX sells online pre-licensing and exam prep for new agents and a CE library for licensed ones. The library gives you every CE course for your state for a year at one price.
Pre-licensing covers all 50 states and DC, and CE courses vary by state. Agencies and IMOs get free manager tracking and quoted group prices.
- Best for
- New agents who want pre-licensing with a pass guarantee, and licensed agents who want all their state CE for one yearly price
- Type
- Online pre-licensing, exam prep and state CE library
- Price
- $49.95 for a year of a state's CE library, or single courses from $12.95. Pre-licensing from $169.95
- States
- Pre-licensing in all 50 states and DC. CE varies by state
- Formats
- Online self-study, on-demand video and live online classes for pre-licensing
- Reporting
- ExamFX reports CE where the state allows it, about two business days after the certificate is processed
Our take
For CE, the yearly state library is the draw. For $49.95 you get every course in your state's catalog, so you can pick topics instead of a fixed package.
New agents get a pass guarantee that refunds the package, if they hit 80 percent on the readiness exam first.
Check the gaps before you buy. New York agents need another provider for some required hours, and so do Texas agents who need the 8-hour annuity course.
Pros
- Every CE course in a state for one yearly price
- Unlimited certificate exam retakes
- Pass guarantee that refunds the whole package
- Free manager tracking for agencies and IMOs
- Spanish pre-licensing in six states
Cons
- Missing some required New York and Texas courses
- California and Texas add a reporting fee per credit hour
- Pre-licensing access lasts only 60 days
- Group prices by quote only
States, licenses and approvals
- States
- Pre-licensing in all 50 states and DC. CE courses and credit vary by state and license
- License types
- Life, health, P&C, personal lines, variable products and some adjuster licenses
| State | Course or provider number | Checked |
|---|---|---|
| California | Provider 161124 | October 2026 |
| Florida | Provider 365552. Annuity course 130600. Named in the state's yearly pass-rate reports on pre-licensing schools | October 2026 |
| New York | Provider 100535. Listed in the state's CE provider search. AML course 268513 | October 2026 |
| Texas | Provider 33012 | October 2026 |
Provider numbers from ExamFX's state requirement pages, with Florida and New York also checked against the state. Approval is course by course, so confirm your course in the state's course search.
Courses and packages
| Course or package | State | Hours | Price | What's included |
|---|---|---|---|---|
| All-Inclusive CE Course State LibraryMost agents start here | Your state | All | $49.95 | Every CE course for your state for 365 days, with unlimited exam retakes and reporting |
| Ethical Practices: Avoiding E&O Claims | California | 3 | $12.95 | Ethics, including the 1-hour anti-fraud requirement |
| Annuity Suitability and Best Interest Standard Training | Florida | 4 | $12.95 | The 4-hour annuity best interest course |
| Anti-Money Laundering: Ethical Decision Making | New York | 3 | $12.95 | Anti-money laundering for life and P&C agents |
| Anti-Money Laundering: Ethical Decision Making | Texas | 3 | $12.95 | Counts as Texas ethics hours |
One-time prices as of October 2026. Single courses start at $12.95 and vary by state. With the state reporting fee the California course comes to $14.90 and the Texas course to $16.85.
Required topics
| Topic | What ExamFX offers |
|---|---|
| Ethics | A 3-hour California course with the anti-fraud hour. In Texas the anti-money laundering course counts as ethics |
| Annuity best interest | 4-hour courses in Florida and Texas. Not the 8-hour Texas course that follows |
| Long-term care | 8 hours in California, and 8 hours plus a 4-hour refresher in Florida and Texas |
| Anti-money laundering | 3-hour courses in New York and Texas |
| Flood | Courses in the state catalogs |
New York agents need another provider for the required 1-hour law, ethics and bias courses. The state health department runs New York long-term care partnership training. Florida's long-term care courses don't meet its partnership rule.
Learning formats and final exams
- Self-study
- Yes, for CE and pre-licensing
- Webinar
- Live online classes for pre-licensing
- Classroom
- Online courses that count as classroom equivalent where a state approves them
- Final exam
- A certificate exam on each CE course, then a short statement that you did the work yourself
- Passing score
- 70 percent, plus topic quizzes at 70 percent in California and Texas
- Attempts
- Unlimited for CE library members
Completion reporting and certificates
- Who reports credits
- ExamFX, where the state allows automated reporting
- How fast
- Certificates are processed within two business days, then reported within two more
- Reporting fee
- $0.65 per credit hour in California and $1.30 in Texas, paid before the certificate exam
- Certificate
- Issued after you pass the certificate exam and sign the statement
Pre-licensing and exam prep
| Course | License | Price | Access |
|---|---|---|---|
| Self-Study | Life and health | $169.95 | 60 days |
| Video Study | Life and health | $239.95 | 60 days |
| Live Online | Life and health | $369.95 | 60 days |
Regular one-time prices per package, as of October 2026. Other lines and states are priced on their own pages.
What each package adds
- Self-Study: the online course, simulated exams, a readiness exam and instructor help
- Video Study: everything above plus video lectures and flashcards
- Live Online: everything above plus a live online class and a note-taking notebook
Lines with limits
- Variable products in Georgia and Michigan only
- Medicare supplement and long-term care in North Carolina only
- State adjuster courses in seven states
- No general adjuster course in Alabama, Arkansas, Georgia, Indiana or Kansas
Pass rates, guarantees and refunds
- Pass guarantee
- Your package price back if you fail the state exam on your first try
- Pass rate claims
- ExamFX's own 2025 survey of 2,826 learners says 93 percent passed. Florida's 2025 pass-rate reports show 23 to 62 percent of ExamFX attempts passing, by license
- Refunds
- Within 48 hours of purchase if you used the course for under an hour, opened no exam and earned no certificate. Kansas, Nevada and Oregon have their own rules
The guarantee has conditions. Score 80 percent or more on the Readiness Exam within two tries and within three days of your state exam, then send your score sheets. It covers only packages you paid for yourself, not company-paid ones.
Multi-state licenses
- States in one library
- One. The CE library covers the state you pick
- Reciprocity
- Depends on the state. Texas and California accept home-state CE from nonresidents, though California still asks for its own annuity and long-term care training
- Proof for nonresidents
- Florida and New York want a home-state letter or a match in the national database
Agency and team accounts
- Manager dashboard
- Yes, free for career agencies and IMOs. Shows progress, quiz scores and alerts, with downline reporting
- Enrollment
- Through ExamFX or your own signup page
- Reports
- Exportable files
- Team pricing
- Group, bulk and monthly subscription prices by quote, with a dedicated account team
Mobile access, accessibility and languages
- Phone or tablet
- Yes. The portal works in a mobile browser
- Printed materials
- Flashcards, tip sheets and study guides cost extra
- Languages
- English. Spanish pre-licensing in California, Florida, Illinois, New Mexico, New York and Texas
- Captions
- Spanish captions and transcripts on Video Study where offered
Plans, fees and total cost
| Fee | Amount | When |
|---|---|---|
| California reporting fee | $0.65 per credit hour | Before the certificate exam |
| Texas reporting fee | $1.30 per credit hour | Before the certificate exam |
| Access extensions | Priced at purchase | Not refundable |
Fees as of October 2026. Printed add-ons and in-course purchases are not refundable either.
Getting started and support
Pick your state
Choose the CE library or single courses for your license.
Pay any reporting fee
California and Texas collect it before the certificate exam.
Pass the certificate exam
Score 70 percent, then sign the completion statement.
Credits are reported
Allow about four business days in all.
Phone 800-586-2253, weekdays 7 a.m. to 6 p.m. Central and Saturday 10 a.m. to 5 p.m. Sunday help is by email.
Access, cancellation and data export
- How long you have access
- 365 days for the CE library. 60 days for pre-licensing
- Extensions
- Can be bought, but total access never passes one year
- After a refund
- Access ends when the refund is approved
- Course license
- Courses are licensed to you, not sold
ExamFX alternatives
- Kaplan Financial EducationFrom $49 per state library for a yearPre-licensing and CE with live classes and a guarantee
- WebCEFrom $49.95 per state packageReady-made state renewal packages with reporting
- XCEL Solutions$40 per state CE packageLow-priced state CE packages plus pre-licensing
- InsuranceStudy$45 per year for unlimited CEOne yearly membership for CE in any state
- 360trainingFrom $39 per state packageState CE packages with an approval number on each course
See every option in insurance continuing education.
Frequently asked questions
How much does ExamFX CE cost?
The state CE library is $49.95 for 365 days. Single courses start at $12.95.
Is ExamFX approved in my state?
It lists provider numbers on its state pages, and CE approval goes course by course. Check your course in the state's course search.
Does ExamFX report my CE?
Yes, where the state allows it. Certificates are processed within two business days and reported within two more.
What is the ExamFX pass guarantee?
Your package price back if you fail the state exam on the first try. You must score 80 percent on the Readiness Exam within three days before the test.
How long is ExamFX access?
365 days for the CE library and 60 days for pre-licensing. Extensions can stretch it, but never past a year.
How we researched this review. We based this review on the pricing, terms and product pages published by ExamFX, 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 ExamFX quit selling or a contract term that reads different now, let us know and send the link to the page where ExamFX has it. Somebody here pulls up that page and checks it before we change anything on ours.