InsuranceStudy review: CE courses, state approvals and costs for agents
InsuranceStudy sells online insurance CE by the course or as a yearly membership that covers every self-study course. It also sells CFP Board CE.
It says it is approved in all 50 states and DC for producers and adjusters. Members pay the state reporting fee at checkout.
- Best for
- Licensed agents and adjusters who want all the online CE they need for a year at one low price
- Type
- Online CE by the course or as a yearly unlimited membership. No pre-licensing
- Price
- $45 a year for unlimited insurance CE. Single courses from $12.95, with the state reporting fee included
- States
- All 50 states and DC, by InsuranceStudy's count
- Formats
- Online self-study
- Reporting
- InsuranceStudy reports in one to two business days, often the same day before 3 p.m. Central
Our take
The yearly membership is the reason to look. For $45 you can take every self-study course you need for a year, in any state. Members still pay the state reporting fee, and a second credit type on a course can cost more.
It is CE only, with no pre-licensing and no live classes in the membership. That matters in Illinois and Texas, where some hours must be live or classroom-equivalent, meaning online courses the state counts like a classroom.
Reporting is quick, often the same day before 3 p.m. Central.
Pros
- Unlimited self-study CE for a year at one price
- Credits often reported the same day
- Unlimited exam retakes
- One membership covers licenses in several states
- CFP Board CE on the same account
Cons
- No live classes or webinars in the membership
- State reporting fees still apply to members
- No pre-licensing
- No refund once you open an exam
States, licenses and approvals
- States
- All 50 states and DC, by InsuranceStudy's count
- License types
- Life, health, property and casualty producers and adjusters
| State | Course or provider number | Checked |
|---|---|---|
| California | Provider 38124 | October 2026 |
| Florida | Provider 363175 | October 2026 |
| Illinois | Provider 102378 | October 2026 |
| New York | Provider NYPO-100425 | October 2026 |
| Ohio | Provider 982. LTC Fundamentals course 71727 | October 2026 |
| Pennsylvania | Provider 38334 | October 2026 |
| Texas | Provider 32808 | October 2026 |
| Washington | Provider 30517 | October 2026 |
Numbers as InsuranceStudy prints them on its state pages. Approval goes course by course and changes, so check your course in the state's course search.
Courses and packages
| Course or package | State | Hours | Price | What's included |
|---|---|---|---|---|
| Unlimited Insurance CE membershipMost agents start here | Any | All | $45 a year | Every self-study course in the national catalog for one learner for a year |
| Unlimited Insurance plus CFP CE | Any | All | $95 a year | Adds CFP Board CE. CFP alone is $65 |
| Annuity Best Interest | Texas | 4 | $18.15 | The 4-hour annuity training |
| Ethics | Texas | 3 | $16.85 | The Texas ethics hours |
| Annuities | New York | 8 | $19.95 | A closed-book annuity course |
| Annuity Best Interest | Illinois | 4 | $18.95 | The 4-hour annuity training |
| Long-term care | California | 8 | $64.20 | The 8-hour long-term care course |
| Long-term care | Florida | 8 or 4 | $59 or $49 | Initial or refresher long-term care |
| LTC Fundamentals | Ohio | 4 | $16.95 | The 4-hour long-term care basics course |
One-time prices as of October 2026. Single-course prices include the state reporting fee, so the 3-hour Texas ethics course is $12.95 plus $3.90. Each course gives you a year to finish.
Required topics
| Topic | Where it is sold |
|---|---|
| Ethics | In the state catalogs. Illinois renewal ethics must be live, so InsuranceStudy sends you to a live provider |
| Annuity best interest | Texas and Illinois 4-hour courses, a New York 8-hour course |
| Long-term care | 8-hour courses in California, Florida, Illinois and Texas, a 4-hour refresher in Florida and Ohio |
| Flood | Listed in the state catalogs |
| Medicare | Medicare CE courses. Not AHIP certification |
Learning formats and final exams
- Self-study
- Yes. Every course can be finished online
- Webinar
- Not part of the membership
- Final exam
- One sitting. Leave it and you get a new set of questions
- Open book
- Yes in Texas and Washington. Closed book in California, Florida, Michigan, New York, Ohio and Pennsylvania
- Proctored
- Depends on the state, and the course page says so before you buy. Illinois self-study exams need a proctor, a person who watches you take the exam, and a signed statement from 2026
- Passing score
- 70 percent
- Attempts
- Unlimited
Florida courses check that you spent the required time in the course. Texas wants half of your hours in classroom or classroom-equivalent courses, and the Texas courses here are self-study.
Completion reporting and certificates
- Who reports credits
- InsuranceStudy
- How fast
- One to two business days on average. Often the same day if you finish on a weekday before 3 p.m. Central
- First send
- Any signed statement or proctor form the state needs
- Check your transcript
- Within 10 days, and tell support about any error
- Certificate
- Under My Courses once processed. Copies are free from support
Pass rates, guarantees and refunds
- Pass guarantee
- No
- Refunds
- Ask in writing within a year. Full refund on an unstarted course. A started course gets back half its price plus the state reporting fee, or an exchange
- No refund
- Once you open the exam
Multi-state licenses
- States in one membership
- Any. The membership covers courses from every state catalog
- Credit type
- Pick the right credit type for each license, or the credit may not post
- Extra credit types
- Adding a second credit type to a course can cost more, even for members
Agency and team accounts
- Manager dashboard
- NetStudy, the sister business platform, lets you assign courses, watch status and download compliance reports
- Roster upload
- Yes, on NetStudy
- Seat changes
- Retail memberships are one person and can't be transferred
- Team pricing
- Ask NetStudy at 866-339-3900
Mobile access, accessibility and languages
- Phone or tablet
- Yes, in a browser on a computer, tablet or phone
- Offline
- No. Courses run online, and some offer PDF materials
- Languages
- English
- Browsers
- Safari 15, or Chrome, Firefox or Edge 100 and newer
Plans, fees and total cost
| State | Amount | When |
|---|---|---|
| California | $0.65 per credit hour | At checkout |
| Illinois | $1.50 per credit hour | At checkout |
| Texas | $1.30 per credit hour | At checkout |
| Pennsylvania | $5 per course | At checkout |
| Florida, New York and Washington | No fee |
Single-course prices include the state reporting fee. Members pay it at checkout. Fees as of October 2026.
Getting started and support
Pick your state and license
Buy single courses or the yearly membership.
Choose the right credit type
Match it to your license so the credit posts.
Pass the final
Score 70 percent in one sitting. Retakes are unlimited.
Credits are reported
Check your transcript within 10 days.
Phone 866-339-3900 or support@insurancestudy.com, weekdays 8 a.m. to 6 p.m.
Access, cancellation and data export
- How long you have access
- A year from purchase on single courses and the membership, unless the state sets an earlier date
- Extensions
- None after a course expires
- When the membership ends
- Finish your courses first. Copies of certificates stay free from support
- Transfers
- Not allowed. The account owner can't be changed
InsuranceStudy alternatives
- NobleCE$49.95 per 24-hour state bundleLow-cost 24-hour bundles, some in Spanish
- XCEL Solutions$40 per state CE packageLow-priced state CE packages plus pre-licensing
- ExamFX$49.95 per state library for a yearA yearly state CE library plus pre-licensing
- BetterCE$44 per 24-hour California packageState packages with same-day reporting and live webinars
- WebCEFrom $49.95 per state packageReady-made state renewal packages and team accounts
See every option in insurance continuing education.
Frequently asked questions
How much does InsuranceStudy cost?
Unlimited insurance CE is $45 a year. Single courses run $12.95 to $71, with the state reporting fee included. Members pay that fee at checkout.
Is InsuranceStudy approved in my state?
It says it is approved in all 50 states and DC and prints provider numbers on its state pages. Check your course in the state's course search.
How fast does InsuranceStudy report CE?
One to two business days on average, and often the same day if you finish before 3 p.m. Central on a weekday.
Are InsuranceStudy exams open book?
In Texas and Washington, yes. In California, Florida, New York and several other states they are closed book.
Can I get a refund from InsuranceStudy?
Yes, in full on a course you haven't started, within a year. Once you open the exam there is no refund.
How we researched this review. We based this review on the pricing, terms and product pages published by InsuranceStudy, 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 InsuranceStudy quit selling or a contract term that reads different now, let us know and send the link to the page where InsuranceStudy has it. Somebody here pulls up that page and checks it before we change anything on ours.