Kaplan Financial Education review: CE courses, state approvals and costs for agents
Kaplan Financial Education sells yearly state CE libraries, single courses and live CE webinars. It also runs pre-licensing and exam prep, so a new agent can stay with one school after the exam.
- Best for
- Agents who want one yearly CE library for their state, plus live webinars and a pre-licensing path from the same school
- Type
- Online CE, live CE webinars, pre-licensing and exam prep
- Price
- From $49 a year for a single-line state CE library. All Lines libraries $69. State reporting fees extra
- States
- A catalog for each state. We checked California, Florida, New York and Texas
- Formats
- Online self-study and scheduled live webinars
- Reporting
- Kaplan reports completions where the state requires it, within 15 to 30 days
Our take
The Total Access library is the easy buy. $49 for one license or $69 for all lines gets you every online course in one state for a year, with unlimited exam retakes.
Live webinars help where a state wants classroom-style hours, as Texas does. Each library reports to one state only, so agents licensed in several states pay more.
Pros
- A year of a state's CE for one price
- Live webinars with no final exam
- Pre-licensing with a money-back pass promise
- Business accounts with bulk loading
Cons
- Each library sends credit to one state
- Reporting can take up to 30 days
- No refund once you open an online course
States, licenses and approvals
- License types
- Producers in life, health, property and casualty, plus adjusters
- Florida provider number
- 872
- New York
- The Department of Financial Services lists Kaplan Financial for internet and webinar CE
| State | Course | Hours | Credit |
|---|---|---|---|
| California | The Ins and Outs of Group Insurance (webinar) | 4 | Life, accident and health |
| Florida | The Ins and Outs of Group Insurance (webinar) | 4 | General |
| New York | Retirement Planning Strategies (webinar) | 4 | Life, accident and health |
| Texas | Agents and Ethics (webinar) | 3 | Ethics |
Listed by Kaplan as of October 2026. Only New York is confirmed by the regulator's own provider list. Look up your course in your state's course search before you buy.
Courses and packages
| Library or course | State | Price | What's included |
|---|---|---|---|
| Total Access CE, All LinesMost agents start here | California, Florida, New York or Texas | $69 | Every online course for the state for 365 days, with credit sent to one state |
| Total Access CE, Life and Health | California, Florida or New York | $49 | The life and health library for 365 days |
| Total Access CE, Property and Casualty | Texas | $49 | The property and casualty library for 365 days |
| Total Access CE, Adjuster | California | $49 | The adjuster library for 365 days |
| Live webinar | California, Florida or New York | $49 | A scheduled 4-hour class with no final exam |
| Live webinar | Texas | $39 | A scheduled 3-hour ethics class |
| Annuity best interest | Florida | $19 | The 4-hour course, plus 3.5 hours of CFP Board credit for financial planners |
One-time list prices as of October 2026, before state reporting fees. A 15 percent sale code runs until October 16, 2026. Florida's 4-hour long-term care course comes in the life and health library.
Required topics
| Topic | What it offers |
|---|---|
| Ethics | A 3-hour Texas ethics webinar. Ethics courses fill the state libraries |
| Annuity best interest | Florida 4-hour course 127576. A state picker covers the rest |
| Long-term care | Florida 4-hour course 90599 in the life and health library |
| Flood | Kaplan lists the flood hours on its California, Florida and Texas requirement pages |
| Anti-money laundering and Medicare | Listed in the state catalogs |
Learning formats and final exams
- Self-study
- Yes, with instant scoring and unlimited exam retakes
- Live webinars
- Scheduled online classes with no final exam
- California rules
- Score 70 percent on each unit exam to move on. Identity questions at login and before the final
- Texas rules
- Score 70 percent on each unit exam in classroom-equivalent courses. Seat time is tracked
Completion reporting and certificates
- Who reports credits
- Kaplan, where the state requires reporting
- Florida
- Within 15 days of completion
- California, New York and Texas
- Within 30 days of completion
- Certificate
- Printable from your account. Business accounts get them by email after each course
Pre-licensing and exam prep
- Packages
- Basic, Essential, EssentialPlus, Career Launcher and Premium
- Sample
- California life, health and ethics Career Launcher at $389 with 60 days of access. Kaplan prices the other tiers on each state's page
- Study tools
- Exam manual, state law supplement, question bank, checkpoint exams, mastery exam and video review
- Spanish
- One Texas life and health package
Extra time costs $29 for 30 days, $39 for 60 days or $49 for 90 days. Ask within a year of purchase.
Pass rates, guarantees and refunds
- Pass guarantee
- The Kaplan Commitment refunds the package price on licensing packages. Score at least 80 percent on the Mastery Exam, sit the state exam within three business days and send the failed score report within 14 days
- Pass rate
- Florida reported a 66 percent pass rate for Kaplan on the 2-40, Florida's health license exam, in 2023
- Online course refunds
- Within 30 days if you never opened the course, less a $20 fee
- Live class refunds
- Within 30 days and at least 7 days before class, less the same fee. Later costs $100 or half the price, whichever is less
Multi-state licenses
- States per library
- One. Each Total Access library sends credit to one state
- Other states
- Buy that state's library or course
Agency and team accounts
- Business accounts
- Yes
- Manager tools
- Rules-based assignment in Kaplan's learning platform
- Roster upload
- Bulk learner loading
- Certificates
- Emailed after each course
- Team pricing
- Quote only
Mobile access, accessibility and languages
- Device
- Web browser
- Languages
- English. One Texas pre-licensing package in Spanish
- Accessibility
- Kaplan says it tests against WCAG 2.1 AA. Captions can be turned on as an accommodation
Plans, fees and total cost
| Fee | Amount |
|---|---|
| California reporting fee | $0.65 per credit hour |
| Texas reporting fee | $1.30 per credit hour |
| Refund fee | $20 per refund |
Fees as of October 2026. Kaplan collects state fees after you finish.
Getting started and support
- Phone
- 877-731-5061
- Hours
- Weekdays 9 a.m. to 6 p.m. Eastern. Course access help runs until 10 p.m.
- contactus@kaplan.com
- Other channels
- Live chat, contact form and help center
Access, cancellation and data export
- Access
- 365 days for CE. 60 days for licensing packages
- Transfers
- Accounts are personal and can't be transferred
- Refund timing
- 30 to 45 business days to the original card
Kaplan Financial Education alternatives
- WebCEFrom $49.95 per state packageReady-made state renewal packages and team accounts
- ExamFX$49.95 per state library for a yearA yearly state CE library plus pre-licensing with a pass guarantee
- XCEL Solutions$40 per state CE packageLow-priced state CE packages plus pre-licensing
- BetterCE$44 per 24-hour California packageState packages with live webinars
- InsuranceStudy$45 per year for unlimited CEOne yearly membership for CE in any state
See every option in insurance continuing education.
Frequently asked questions
How much is Kaplan Total Access CE?
$49 a year for a single-line state library and $69 for All Lines, plus state reporting fees.
Does Kaplan report my CE?
Yes, where the state requires it. Florida gets it within 15 days, and California, New York and Texas within 30.
What is the Kaplan Commitment?
A refund of your licensing package if you fail the state exam after scoring 80 percent on the Mastery Exam. It doesn't cover CE.
Can one Kaplan library cover two states?
No. Each library sends completions to one state.
How we researched this review. We based this review on the pricing, terms and product pages published by Kaplan Financial Education, 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 Kaplan Financial Education quit selling or a contract term that reads different now, let us know and send the link to the page where Kaplan Financial Education has it. Somebody here pulls up that page and checks it before we change anything on ours.