Insurance License Prep, Exam Prep & Crash Course Support for Agents Nationwide
Start your insurance career with a clear licensing roadmap. Advantage Plus helps new and future agents understand state licensing requirements, prepare for the Life & Health exam, access affordable online pre-licensing, and connect with trusted national exam prep resources.
Advantage Plus Online Pre-Licensing Courses
Advantage Plus offers online pre-licensing courses to help agents prepare for their insurance licensing exam at a discounted rate. These courses are built for new agents who want a simple, guided path to get licensed without overpaying for exam prep.
Courses are available in English and Spanish. Agents will have 30 days to complete their pre-licensing course. If additional time is needed, the course may be renewed for an additional fee.
A required $6 state reporting fee will be added to the final amount.
Sign Up BelowHow Insurance Licensing Works
Insurance licensing is handled at the state level. There is no single national insurance producer license. Your exact requirements depend on your resident state, license type, line of authority, exam vendor rules, background check requirements, and whether your state requires approved pre-licensing education.
Choose Your License
Most new agents begin with Life, Health, Accident & Health, or a combined Life & Health license.
Complete Pre-Licensing
If required by your state, complete approved pre-licensing hours before scheduling the exam.
Prepare for the Exam
Use crash courses, practice exams, flashcards, videos, and state-specific review before testing.
Apply for License
After passing, submit your resident license application, fingerprints if required, and state fees.
Exam Prep, Crash Courses & Helpful Study Tools
Each state exam is different, but most insurance exams test general insurance knowledge, life and health concepts, policy provisions, ethics, state laws, and consumer protection rules. Use the resources below to prepare more effectively.
Pre-Licensing Course
Start with Advantage Plus online pre-licensing course access. This is the best first step for agents who need a structured course before taking the state exam.
- Available in English and Spanish
- 30-day course access
- $29.95 plus required $6 state reporting fee
- Built for first-time agents
Exam Crash Course
Use a crash course when you have already completed your main study program and need a focused final review before exam day.
- Life & Health final review
- Commonly missed topics
- Exam-day reminders
- Fast review before scheduling
Practice Questions
Practice questions help agents get used to exam wording, identify weak areas, and improve confidence before scheduling the test.
- Life insurance practice
- Health insurance practice
- Timed question review
- Wrong-answer review
Exam Content Outlines
Content outlines show what topics are tested and how the exam may be weighted. Always review the outline for your own state and license type.
- State-specific test topics
- Life, Health, P&C outlines
- Exam topic weighting
- Helps focus your study time
Video Review
Video lessons are helpful for visual learners who want topic-by-topic explanations for difficult insurance concepts.
- Life insurance basics
- Health insurance basics
- Policy provisions
- State law review tips
State Requirement Lookup
Before buying a course or scheduling an exam, verify your resident state’s current requirements, fees, license types, and application rules.
- Resident licensing rules
- Non-resident rules
- State fees and requirements
- Application guidance
What License Should a New Agent Consider?
The best license depends on what the agent wants to sell. Many Medicare-focused agents still need a Health or Life & Health license depending on state rules, carrier requirements, and product type.
Life Insurance
Common for agents who want to sell life insurance, final expense, indexed life, and certain annuity-related products depending on state and carrier rules.
- Term life
- Whole life
- Final expense
- Universal life
Accident & Health
Common for agents who want to sell health-related insurance products, including Medicare products where permitted by state and carrier rules.
- Medicare Advantage
- Prescription Drug Plans
- Hospital indemnity
- Dental, vision, and health products
Life & Health Combined
A strong option for agents who want broader flexibility and plan to build a full insurance business across Medicare, life, ancillary, and health products.
- Broader product access
- More carrier flexibility
- Better long-term growth path
- Useful for cross-selling
Pre-Licensing Hours Vary by State
Some states require approved pre-licensing education before an agent can take the state exam. Other states have reduced or removed mandatory hours but still require applicants to pass the exam and apply for a license. Always verify your exact state requirement before enrolling or testing.
| State / Category | Typical Requirement | What Agents Should Know |
|---|---|---|
| States With No Mandatory Pre-Licensing Hours | Some states do not require formal pre-licensing hours for certain producer licenses. | Agents still need to study, pass the state exam, complete the application, and meet fingerprint/background requirements if required. |
| States With 20–40 Hours | Many states require around 20 hours per line of authority or about 40 hours for combined Life & Health. | The exact number can vary by Life, Health, P&C, Personal Lines, or combined licenses. |
| States With 52–60+ Hours | Some states require longer courses for broader or combined licensing tracks. | Agents should confirm whether the requirement applies to Life, Health, P&C, or another license type. |
| Non-Resident Licensing | After obtaining a resident license, agents can usually apply for non-resident licenses in other states. | Non-resident states may still have fees, appointments, background questions, and state-specific requirements. |
Licensing rules change often. This page is a general guide only. Agents should always confirm their state-specific requirements through NIPR, their state Department of Insurance, Sircon, or the approved exam vendor before purchasing a course or scheduling an exam.
Official National Licensing Resources
Use these resources to verify official state licensing requirements, exam vendors, application rules, and state insurance department information.
NIPR State Requirements Lookup
NIPR provides state-by-state insurance licensing requirements for resident applicants, non-resident applicants, renewals, and license management.
View NIPR RequirementsNAIC State Insurance Department Directory
NAIC provides links to state insurance departments so agents can confirm official licensing rules directly with the proper state agency.
Find Your State DepartmentPearson VUE Insurance Testing
Pearson VUE administers insurance exams for many states and provides testing information, exam resources, and practice-test options.
Visit Pearson VUEPrometric Insurance Testing
Prometric administers insurance exams for many states and provides candidate resources, exam scheduling, and content outline information.
Visit PrometricSuggested 30-Day Study Plan
Agents usually perform better when they follow a structured plan. Since your Advantage Plus course access is valid for 30 days, this study path is designed to help agents stay on track.
Days 1–7: Learn the Basics
Focus on insurance terms, policy types, underwriting, health insurance basics, life insurance basics, and general insurance concepts.
Days 8–14: State Law Review
Review your state-specific rules, ethics, unfair trade practices, replacement rules, licensing rules, and consumer protections.
Days 15–21: Practice Questions
Take practice questions daily and review every wrong answer until you understand why the correct answer is correct.
Days 22–27: Crash Course Review
Review weak areas, watch crash-course videos, use flashcards, and revisit any topic that still feels confusing.
Days 28–30: Final Prep
Take final practice exams, confirm your exam appointment, check ID requirements, and review the official exam outline.
After Passing
Submit your license application, fingerprints if required, and then begin contracting and appointment steps with Advantage Plus.
Sign Up for Advantage Plus Pre-Licensing
Complete the form below to sign up for the Advantage Plus online pre-licensing course. The discounted course fee is $29.95, reduced from the regular price of $199. A required $6 state reporting fee will be added to the final payment amount. Courses are available in English and Spanish.
Agents have 30 days to complete the course from the date access is issued. If the course is not completed within 30 days, access may need to be renewed for an additional fee.
Advantage Plus provides licensing education support, exam prep guidance, and agent resources, but licensing approval is controlled by each state insurance department. Completing a pre-licensing course, crash course, practice exam, or study program does not guarantee passing the state exam or receiving an insurance license.