JustInsurance vs XCEL Solutions vs ExamFX

JustInsurance is the only major prelicensing provider that publishes its pass rate with a clear methodology — 93% among students who complete the full course and meet the recommended study metrics (finishing the recommended hours and scoring 80% or higher on the practice exam three times in a row before sitting for the state exam). XCEL Solutions and ExamFX do not disclose pass rates publicly on their product pages. Without published methodology, pass rate claims are unverifiable.

Both XCEL and ExamFX use a modular pricing model — the base course includes videos and a fixed number of practice exams, and students add flashcards, live sessions, or extended access as paid upgrades. JustInsurance uses an all-inclusive model: the single $199 course fee covers 100+ videos, unlimited practice exams, 5× weekly live sessions, flashcards, audio vocabulary, AI-powered exam simulations, and extended access options. This matters because the features most predictive of first-attempt pass rates (realistic practice exams, spaced repetition flashcards, live instructor support) are exactly the ones competitors charge extra for.

ExamFX's pass guarantee requires you to sit for the state licensing exam within 3 days of first scoring 80% on their practice exam. In practice, scheduling a Pearson VUE or PSI appointment on 3 days of notice is often impossible — centers fill up, working adults can't rearrange on that schedule, and missing the 3-day window voids the guarantee. JustInsurance's guarantee window is 30 days from your first course enrollment, which matches how real people schedule exams. Full JustInsurance guarantee terms are at the bottom of every course page.

XCEL Solutions' standard package provides 30 days of course access from enrollment. For students new to insurance, 30 days is aggressive — the standard prelicensing course covers 40+ hours of material, and most students benefit from 2–3 weeks of study plus a buffer for exam scheduling and any retakes. Extending access at XCEL requires a paid upgrade. JustInsurance offers multiple extension options at no additional cost as part of the base course, so you're not forced to test before you're ready.

JustInsurance backs every prelicensing course with a pass guarantee. If you complete the recommended study hours, score 80%+ on the practice exam three times in a row, and sit for your first-time state exam attempt within 30 days of your first enrollment, we refund your course fee in full if you don't pass. ExamFX offers a guarantee with the restrictive 3-day window described above. XCEL Solutions does not publish a universal pass guarantee — refund eligibility varies by package and state.

JustInsurance offers prelicensing and CE in all 50 states for Life, Health, and Life & Health. XCEL and ExamFX also cover all 50 states but have different state-specific course approvals — particularly around California's 12-hour Code & Ethics requirement, Florida's 2-15 combined license, and Texas's no-prelicensing-required status. Select your state on our homepage to see the specific JustInsurance course and pricing for your line of authority.