Insurance Licensing Guides
Free guides on getting your insurance license — the process, the exam, the costs, and what to expect. Currently focused on Texas since that's our flagship state; new state guides are added as we publish exam-prep courses for them.
- Texas
How to Get Your Texas Insurance License
Step-by-step walkthrough — fingerprinting, exam prep, Pearson VUE scheduling, TDI application. Realistic timelines and exact costs.
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11 Tips to Pass the Texas Insurance Exam on the First Try
Field-tested strategies for the Pearson VUE TDI exam — section weighting, trick-word patterns, time management, and the Texas-specific topics most courses underweight.
Read the guide → - California
How Many Questions Are on the California Insurance Exam?
Question counts, time limits and passing scores for every California Department of Insurance exam, plus a free quiz.
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How to Get a California Insurance Adjuster License
No prelicensing course: two years of experience, a 100-question CDI exam, the bond and fees, from CDI's own pages.
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How to Become a Public Adjuster in California
20 hours of prelicensing education, experience or apprenticeship, a $20,000 bond and the 100-question CDI exam.
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How Many Questions Are on the Texas Insurance Exam?
Question counts, time limits, and passing scores for every Texas Department of Insurance producer exam — General Lines P&C, Personal Lines, Life Agent, GL LAH HMO.
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Texas Insurance License Cost: Complete Breakdown
Itemized cost breakdown for getting a Texas insurance producer license — fingerprinting, exam fees, license application, exam prep — with the realistic all-in total.
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Pearson VUE Texas Insurance Exam: What to Expect on Test Day
ID requirements, arrival time, calculator rules, fees, retake policy, and how scoring works — everything from the official candidate handbook that matters on test day.
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Texas General Lines vs Personal Lines: Which Should You Get?
Honest side-by-side of the two main Texas P&C producer licenses. Scope, exam difficulty, jobs, salary range, and when each one makes sense.
Read the guide → - Colorado
Colorado Insurance CE Requirements (2026)
24 CE hours per cycle including 3 ethics — plus the 3-hour Homeowners course unique to Colorado. State-approved courses from $14.99.
Read the guide → - North Carolina
North Carolina Insurance CE Requirements (2026)
24 CE hours every two years including 3 ethics. One North Carolina-approved course (#223565) covers all 24 for $44.99.
Read the guide → - Pennsylvania
Pennsylvania Insurance CE Requirements (2026)
24 CE credits every two years, including 3 hours of ethics — plus 2 hours of flood for P&C and personal lines. One Pennsylvania-approved course (#139966) covers the 24 hours and the ethics requirement for $44.99.
Read the guide → - Texas
How to Become a Public Adjuster in Texas
The Pearson VUE exam, TDI application, fingerprints, financial responsibility, the 10% fee cap, and the 72-hour rules. Every claim cited to Insurance Code Chapter 4102.
Read the guide → - Tennessee
How to Become a Public Adjuster in Tennessee
Exam-only path: the 50-question Pearson VUE exam, the $50,000 bond plus $500,000 E&O, the three-tier fee cap, and the 72-hour policy-limit rule. Cited to T.C.A. 56-6-901 through 920.
Read the guide → - Minnesota
How to Become a Public Adjuster in Minnesota
The PSI P&C Adjuster exam (there is no separate PA exam), the $10,000 bond, the 72-hour cancellation rule, and Minnesota's storm-contractor laws. Cited to Minn. Stat. chapter 72B.
Read the guide → - Arizona
How to Become a Public Adjuster in Arizona
One adjuster license covers public adjusting: the 150-question Prometric Series 13-36 exam, no bond, no CE, and the new SB1206 rules effective September 12, 2026. Cited to A.R.S. Title 20.
Read the guide → - Missouri
How to Become a Public Adjuster in Missouri
Covers both the Public Adjuster and Public Adjuster Solicitor exams (same 50-item outline), the $10,000/$1,000 bonds, the third-business-day cancellation rule, and the annual renewal trap. Cited to RSMo chapter 325.
Read the guide → - Virginia
How to Become a Public Adjuster in Virginia
The Prometric series 11-08 exam, the $50,000 bond, the 183-day rule that runs both ways, the 24-hour biennial CE requirement in 38.2-1866, and the 2026 chapter 142 changes. Cited to Va. Code 38.2-1845.1 through 38.2-1845.24.
Read the guide → - Maryland
How to Become a Public Adjuster in Maryland
No surety bond is required, and the exam moved to Prometric in 2024. Covers the 14-day retake wait, the 10-business-day contract rescission window, and the fresh-loss filing rule. Cited to Md. Code Ins. 10-401 through 10-416.
Read the guide → - Iowa
How to Become a Public Adjuster in Iowa
The bond is $50,000, not the $20,000 figure repeated online, with E&O and letter-of-credit alternatives. Covers the Pearson VUE 12-IA-20 exam, contract pre-approval, and the 15 percent and 10 percent fee caps. Cited to Iowa Code chapter 522C.
Read the guide → - Colorado
How to Become a Public Adjuster in Colorado
An exam-only line of authority: the 60-question Pearson VUE exam ($41), the $20,000 surety bond, 24 CE credits per cycle, the 72-hour rescission right, and the 10% catastrophe fee cap. Cited to C.R.S. 10-2-417 and Regulation 1-2-19.
Read the guide → - Florida
How to Become a Public Adjuster in Florida
The 6-month experience prerequisite, the 3-20 exam (100 questions, 2 hours, 70% to pass), the $50,000 bond, and the 10/20/1/0% fee caps, solicitation hours, and cancellation windows. Cited to F.S. Chapter 626.
Read the guide → - Illinois
How to Become a Public Adjuster in Illinois
The 100-question Pearson VUE exam ($92), fingerprints, the $50,000 bond, IDOI contract approval, the 10% residential fee cap, and the 7 p.m. to 8 a.m. solicitation ban. Cited to 215 ILCS 5, Article XLV.
Read the guide → - Indiana
How to Become a Public Adjuster in Indiana
The IDOI exam eligibility email, the 60-question Pearson VUE exam, the $10,000 bond, December 31 annual renewal, no CE, and the 2023 contract rules. Cited to IC 27-1-27.
Read the guide → - Louisiana
How to Become a Public Adjuster in Louisiana
The $50,000 bond, LDI pre-approval, the in-person PSI Series 301 exam, 24 hours of CE, and the ban on percentage fees. Cited to La. R.S. 22:1691 et seq.
Read the guide → - Michigan
How to Become a Public Adjuster in Michigan
The Adjuster for the Insured license: the PSI Series 16-70 exam (71 percent to pass), no bond, no CE, the 10 percent fee cap, and March 31 annual renewal. Cited to MCL 500.1222 to 500.1228.
Read the guide → - Montana
How to Become a Public Adjuster in Montana
The 50-question Pearson VUE Public Adjuster exam, fingerprints, the $5,000 bond, the Montana office rule, contracts filed with the commissioner, the 72-hour rule, and 24 CE hours every 2 years. Cited to MCA Title 33, chapter 17.
Read the guide → - Ohio
How to Become a Public Adjuster in Ohio
The PSI Series 11-38 exam (100 questions, 2 hours), the $1,000 bond, the $100 certificate, no fingerprints or CE, contract form filing, and the December 31 annual renewal. Cited to ORC chapter 3951 and OAC 3901-1-24.
Read the guide → - Oklahoma
How to Become a Public Adjuster in Oklahoma
No exam is named public adjuster: which PSI adjuster exam to confirm with OID, the $25,000 bond, the $30 license, the 3-business-day cancellation right, the 72-hour rule, and biennial CE. Cited to 36 O.S. 6201 to 6224.
Read the guide → - Oregon
How to Become a Public Adjuster in Oregon
Oregon's separate public adjuster license (effective August 1, 2025, by rule): the PSI Series 12-12 exam (100 questions, 120 minutes), no bond, 24 CE hours, and the 3 business day rescission rule. Cited to OAR 836-071.
Read the guide → - Pennsylvania
How to Become a Public Adjuster in Pennsylvania
The PSI Series 16-19 exam (60 questions, 80 minutes), the $200 application, the $20,000 bond, Department-approved contracts, and the 3 calendar day rescission right. Cited to 63 P.S. 1601 to 1608.
Read the guide → - Washington
How to Become a Public Adjuster in Washington
The experience or trainee requirement, the PSI Adjuster exam (100 questions, 135 minutes, $38), the $50 NIPR application, the $5,000 bond, and 24 CE hours. Cited to chapter 48.17 RCW.
Read the guide → - Texas
How to Get a Texas Adjuster License (All Lines and P&C)
Two routes: the 150-question Pearson VUE adjuster exam, or a TDI-approved 40-hour course that waives it. Fingerprints, the $50 application, renewal, and CE.
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Texas Insurance CE Requirements
24 hours every two years, 3 in ethics, at least 12 classroom or classroom equivalent, the $50-per-hour fine, and the 20-year exemption. Cited to TDI and 28 TAC 19.1003.
Read the guide → - All states
Why is Elite Training Academy so cheap? — $49.99 vs Kaplan $200+
How we charge $49.99 for exam prep when Kaplan, ExamFX, and AD Banker charge $200–$450 for the same statute-cited content. The economics broken down — and why a low price doesn't mean low quality.
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Life & Health Insurance License Course Online
What the life and health lines cover, how the exams work, and the step-by-step path to the license, with self-paced exam prep for every state we serve at $49.99.
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How Much Does an Insurance Agent License Cost?
State-by-state breakdown of exam fees, application fees, fingerprinting, and education costs, with verified examples from cheap to expensive and the realistic all-in total.
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Insurance Pre-Licensing Requirements by State (2026)
Which states mandate state-approved pre-licensing hours and how many, and which let you sit the exam whenever you are ready. The single biggest factor in what getting licensed costs.
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How to Choose an Insurance Exam Prep Course (9-Point Checklist)
The nine things that actually change your odds when you pick a course: outline weighting, how long access lasts, what a pass guarantee really requires, and whether your state needs an approved provider.
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Lifetime Access vs 60-Day Access: What Course Access Windows Cost You
What an access window is, what disappears the day it expires, what lifetime access does and does not mean here, and the buyers it actually matters to.
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Why People Fail the Insurance Licensing Exam
The named failure modes and the fix for each, plus what to do after a failed attempt: read the score report, follow your state's retake rules, and rebuild around the weak sections.
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How to Pass the Insurance Exam Faster (Without Cutting Corners)
A compression strategy for a short calendar: triage by outline weight, learn question-first, and what you must never cut. Includes 7-day and 14-day schedules.
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State by State: How Your Exam Prep Should Change
Whether your state requires approved pre-licensing education or lets you study independently is the one fact that changes what you should buy. How to tell which regime you are in.
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How Hard Is the Insurance Licensing Exam?
Pass-rate reality by line of authority, what actually makes the exam difficult, how scoring works, and how long to study - with sources for every number.
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How to Study for the Insurance Licensing Exam
A step-by-step study plan built on the state's content outline: schedule, active-recall practice, error logs, timed simulations, and what to do the week of the exam.
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National vs State Sections of the Insurance Exam
What the general-knowledge and state-law portions each cover, how scoring and retakes work when the exam is split, and how to prepare for both.
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Captive vs Independent Insurance Agent
Honest side-by-side of the two career paths: compensation models, book ownership, support and training, and which one fits a new licensee best.
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