XCEL Solutions review: CE courses, state approvals and costs for agents
XCEL Solutions sells state CE packages that cover a full renewal, plus pre-licensing and exam prep. Agencies and carriers can run their agents through a partner site.
- Best for
- Agents who want a whole state renewal in one low-priced package, and new agents who want pre-licensing with a pass promise
- Type
- Online CE packages, single courses, pre-licensing and exam prep
- Price
- $40 for a state CE package, plus the state reporting fee in California and Texas. Pre-licensing from $199
- States
- All 50 states, by XCEL's count. We checked California, Florida, New York and Texas
- Formats
- Online self-study, with classroom-equivalent courses in Texas
- Reporting
- XCEL reports completions within one business day
Our take
The packages are the draw. $40 covers a whole state renewal before the state reporting fee, and credits post within a business day.
Watch the clock, though. Each course is open for only 30 days from sign-up.
Pros
- A full renewal in one low-priced package
- Credits reported within a business day
- Pre-licensing with a money-back promise
- Private partner sites for agencies
Cons
- Only 30 days to finish a course
- Closed-book exams in most states
- No refund once you open a course
States, licenses and approvals
- States
- All 50, by XCEL's count
- License types
- Life, health, property, casualty and personal lines producers
| State | What the state lists |
|---|---|
| New York | CE provider, out-of-state personal lines pre-licensing provider, and suitability and best interest CE provider |
| Florida | Pre-licensing school 369206 for the 2-15, Florida's life and health license |
Checked October 2026. Approval is course by course, so check your course in the state's course search.
Courses and packages
| Package | States | Hours | Price |
|---|---|---|---|
| Life and Health Initial or RefresherMost agents start here | California, Florida or Texas | 24 | $40 |
| Property and Casualty Initial | California or Texas | 26 | $40 |
| Property and Casualty Refresher | California or Texas | 24 | $40 |
| Property and Casualty Initial or Refresher | Florida | 24 | $40 |
| Any package | New York | 15 | $40 |
One-time prices as of October 2026. State reporting fees are extra. Initial packages carry the first-time annuity, long-term care or flood training, and refreshers are for later renewals.
Required topics
| Topic | What it offers |
|---|---|
| Ethics | In every package |
| Annuity best interest | In life and health initial packages. California also sells separate 8-hour and 4-hour courses |
| Long-term care | Initial or refresher courses in the life and health packages |
| Flood | In property and casualty initial packages. Not in the Florida and Texas refreshers |
| Medicare | Not in these packages |
Learning formats and final exams
- Self-study
- Yes. Most courses work on phones and tablets
- Texas
- Classroom-equivalent courses with no final exam
- Open book
- No. Closed book in California, Florida and New York
- Proctored
- No
- Attempts
- Unlimited, XCEL says
- Florida seat time
- Spend 20 percent of the course time before the exam
Completion reporting and certificates
- Who reports credits
- XCEL. You give your National Producer Number
- How fast
- Within one business day
- Certificate
- Inside the course or your transcript
Pre-licensing and exam prep
- Lines
- Life and health, property and casualty or personal lines
- Packages
- Standard $199 or Premier $299 for life and health in California, Florida and New York
- Includes
- A pre-licensing course, a prep review and three exam simulators. 30 days for the course, then 30 for review
- Premier adds
- Flashcards, a recorded review class and the Prepared to Pass Promise
- Study helper
- Rubi, an AI assistant that answers study questions and can translate them
Pass rates, guarantees and refunds
- Pass guarantee
- Prepared to Pass Promise on Premier packages. Score 85 percent on the final simulator by the second try and test within 48 hours. Fail and you get your money back, if you paid yourself
- Florida pass rate
- 46 percent of attempts on Florida's 2-15 life and health exam in 2025
- Refunds
- Within 30 days if you never opened the course, less $24.95. Books and shipping are final
Multi-state licenses
- State packages
- Each package is for one state
- Product training
- Long-term care and annuity courses from another state can count where the rules match
Agency and team accounts
- Partner sites
- A private XCEL site for an agency, carrier or marketing organization, where its agents buy and take courses
- Manager tools
- Pipeline reporting and candidate progress, with an account manager
- Billing
- Bulk, subscription or pay as you go
- Team pricing
- Quote only
Mobile access, accessibility and languages
- Phone or tablet
- Most courses, XCEL says. On an iPhone or iPad, use Chrome rather than Safari
- Browsers
- Chrome or Firefox. Support says Safari, Chromebooks and computers with under 8 GB of memory have had problems
- Languages
- Some Spanish courses
Plans, fees and total cost
| Fee | Amount |
|---|---|
| California life and health reporting | $17.36 per package |
| California property and casualty reporting | $14.88 per package |
| Texas reporting | $1.30 per credit hour |
| Florida | No reporting fee |
| Refund fee | $24.95 per refund |
Fees as of October 2026. XCEL shows one set California fee per package at checkout instead of a per-hour rate.
Getting started and support
- Phone
- 866-559-9235
- Hours
- Weekdays 8 a.m. to 7 p.m. Eastern
- support@xcelsolutions.com
Access, cancellation and data export
- Access
- 30 days from sign-up for each course
- Extensions
- Bought from your dashboard
- Cancel
- By phone. Alabama, Kentucky, Nevada and Oregon residents must email
XCEL Solutions alternatives
- WebCEFrom $49.95 per state packageState renewal packages for most lines, with team accounts
- 360trainingFrom $39 per state packagePackages in all 50 states by its count
- ExamFX$49.95 per state library for a yearA yearly state CE library plus pre-licensing 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
- 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 do XCEL CE packages cost?
$40 per state package, plus state reporting fees.
How fast does XCEL report CE?
Within one business day. Have your National Producer Number ready.
How long do I have to finish?
30 days from sign-up for each course. Extensions are sold from your dashboard.
How we researched this review. We based this review on the pricing, terms and product pages published by XCEL Solutions, 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 XCEL Solutions quit selling or a contract term that reads different now, let us know and send the link to the page where XCEL Solutions has it. Somebody here pulls up that page and checks it before we change anything on ours.