National Online Insurance School review: CE courses, state approvals and costs for agents
National Online Insurance School teaches life and health pre-licensing and exam prep with a pass guarantee. It also sells life and health CE bundles in six states.
- Best for
- New life and health agents who want exam prep with a pass guarantee, then cheap CE bundles in a few states
- Type
- Life and health pre-licensing, exam prep and CE. No property and casualty
- Price
- CE bundles $49.95 each, plus the state reporting fee in California, Texas and Pennsylvania. Pre-licensing $159 for one line or $189 for life and health
- States
- CE pages for California, Florida, Georgia, New York, Pennsylvania and Texas
- Formats
- Online self-study. The Texas bundle counts as classroom-equivalent
- Reporting
- The school reports completions, the same day or within 24 hours
Our take
This is a life and health school first. Exam prep comes with Guarantee Pass, and the CE bundles are cheap at $49.95 before the state reporting fee.
It has no property and casualty courses, and CE covers only six states. Florida's own report shows pass rates below half on the health exam.
Pros
- Low-cost CE bundles
- Pass guarantee with exam prep
- Texas bundle counts as classroom-equivalent
- Credits reported within a day
Cons
- Life and health only
- CE in six states
- Mixed Florida pass rates
States, licenses and approvals
| State | Provider number | Source |
|---|---|---|
| California | 275978 | The school's course pages |
| Florida | 366943 | Florida's yearly pass-rate report on pre-licensing schools |
| Georgia | 206305 | The school's course pages |
| New York | NYPO-104686 | The school's course pages |
| Pennsylvania | 84660 | The school's course pages |
| Texas | 206304 | The school's course pages |
Checked October 2026. Only Florida is confirmed in a state record. Check your course in the state's course search before you buy.
Courses and packages
| Bundle | State | Hours | Price |
|---|---|---|---|
| Life and Health BundleMost agents start here | Texas | 24 | $49.95 |
| Life and Health Bundle | California | 24 | $49.95 |
| Life and Health Bundle | Florida | 24 or 20 | $49.95 |
| Life and Health Bundle | Georgia | 24 or 20 | $49.95 |
| Life and Health Bundle | New York | 15 | $49.95 |
| Life, Health or Life and Health Bundle | Pennsylvania | 24 | $49.95 |
| Single ethics or law course | California, Florida or New York | 3 or 4 | $19.95 |
One-time prices as of October 2026. State reporting fees are extra. The Texas bundle includes an 8-hour Medicare course that meets the state's first-time Medicare training rule.
Required topics
| Topic | What it offers |
|---|---|
| Ethics | In every bundle. California 3 hours with anti-fraud, Florida 4 hours of law and ethics, New York 3 hours of law, ethics and diversity, Texas 3 hours |
| Anti-money laundering | A 4-hour course in most bundles. Not in the 20-hour Florida and Georgia bundles |
| Medicare | 8 hours in the Texas bundle. No AHIP certification |
| Annuity best interest and flood | Not sold here. Check your state's rules |
Learning formats and final exams
- Self-study
- Yes, in a browser on a computer, tablet or phone
- Passing score
- 70 percent on CE finals
- Attempts
- Unlimited retakes
- Open book
- Yes on Texas self-study finals. Closed book in New York. The Texas bundle has no final
- Proctored
- Georgia finals need an adult monitor with no family or money ties to you
- Texas bundle
- Classroom-equivalent, with 70 percent quizzes and no final
Completion reporting and certificates
- Who reports credits
- The school
- How fast
- The same day you pass in California, Florida and Georgia. Within 24 hours for New York and for the Texas and Pennsylvania bundles
- Certificate
- Right away when you finish
Pre-licensing and exam prep
- Lines
- Life, health or both
- Price
- $159 for one line. $189 for life and health
- Access
- 60 days from first login
- Study tools
- Lessons, short videos, an exam simulator, a readiness report and instructor questions seven days a week
- California
- Packages include the required 12-hour ethics and code course. Alone it costs $49.99
- Florida
- You also need the state study manual, sold by NAIFA-Florida, the state's agents association
- Texas
- Exam prep only, since the state doesn't require pre-licensing
Pass rates, guarantees and refunds
- Pass guarantee
- Guarantee Pass is included with exam prep. Finish the lessons, pass two practice exams in a row and test within three business days. Fail and you get more time or your money back
- Florida pass rates, 2025
- 58 percent on the 2-15 (life and health), 84 percent on the 2-14 (life) and 49 percent on the 2-40 (health), counting all attempts
- Pre-licensing refunds
- Full refund within 30 days if you used less than half the course
- CE refunds
- Full refund within 30 days if you haven't finished the course
Multi-state licenses
- CE states
- California, Florida, Georgia, New York, Pennsylvania and Texas
- Nonresidents
- Most of these states accept home-state CE, but product training can still apply
Agency and team accounts
- Partner dashboard
- Free. Enroll candidates, send invites and watch progress for pre-licensing and CE
- Team pricing
- Quote only
- Reply time
- One business day
Plans, fees and total cost
| State | Fee |
|---|---|
| California | $0.65 per credit hour |
| Texas | $1.30 per credit hour, or $31.20 for the 24-hour bundle |
| Pennsylvania | $5 per course |
Fees as of October 2026.
Getting started and support
- Phone
- 1-888-770-3681
- Hours
- Weekdays 9 a.m. to 9 p.m. and Saturday 9 a.m. to 5 p.m. Eastern. Email and chat on Sunday
- info@nationalonlineinsuranceschool.com
Access, cancellation and data export
- Pre-licensing access
- 60 days. Paid extensions are prorated and can't be refunded
- Account
- One student. The final must be taken without help
National Online Insurance School alternatives
- ExamFXPre-licensing from $169.95Pre-licensing for more lines with a pass guarantee
- Kaplan Financial EducationFrom $49 per state library for a year, or $69 for all linesPre-licensing, yearly CE libraries and live webinars
- PASS Insurance Training$100 per Colorado courseColorado life and health pre-licensing with a printed manual
- InsuranceStudy$45 per year for unlimited CEOne yearly membership for CE in any state
- WebCEFrom $49.95 per state packageState renewal packages for most lines
See every option in insurance continuing education.
Frequently asked questions
How much does National Online Insurance School cost?
CE bundles are $49.95 plus state fees. Exam prep is $159 for one line or $189 for both.
Which states does it cover for CE?
California, Florida, Georgia, New York, Pennsylvania and Texas.
How does Guarantee Pass work?
Pass two practice exams in a row and test within three business days. If you fail you can keep studying or get a refund.
Is National Online Insurance School approved in my state?
It prints provider numbers for its six CE states, and Florida lists it as a pre-licensing school. Check your course in your state's course search.
Does it report my CE?
Yes. The school sends your hours the same day you pass, or within 24 hours for some bundles.
How we researched this review. We based this review on the pricing, terms and product pages published by National Online Insurance School, 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 National Online Insurance School quit selling or a contract term that reads different now, let us know and send the link to the page where National Online Insurance School has it. Somebody here pulls up that page and checks it before we change anything on ours.