JustInsurance vs XCEL, ExamFX, AD Banker, Aceable

Both JustInsurance and ExamFX publish pass-rate methodology. ExamFX publishes line-of-authority rates on examfx.com/resources/candidates (95% Life, 94% Life & Health, 90% Health, 99% P&C, 95% Personal Lines, 93% Overall Combined) with disclosed methodology — 2,826 self-reported survey respondents collected Feb 1 – Oct 17, 2025. JustInsurance publishes a 93% pass rate at /pass-rates with a stricter inclusion bar: students who completed the full course, finished recommended study hours, and scored 80%+ on the practice exam three times in a row before testing. XCEL Solutions publishes pass-rate positioning language on its site (e.g., "9 in 10 students say XCEL helped them feel well prepared for their exam") but does not publish a specific first-attempt pass-rate figure with disclosed methodology on its public product pages. Methodology disclosure is what lets a prospective student compare apples to apples.

JustInsurance uses a single all-inclusive price: $199 covers 100+ videos, unlimited adaptive practice exams, 5× weekly live instructor sessions, flashcards, audio vocabulary, AI-powered exam simulations, and included extension options. XCEL Solutions and ExamFX both use tiered pricing models where feature availability and extended access can vary by package. For students new to insurance, an all-inclusive price avoids the need to evaluate upgrade paths mid-course. Per ExamFX's published refund policy, course extensions, digital add-on products, and in-course purchases are non-refundable once purchased.

Per ExamFX's published pass guarantee policy, the Readiness Exam must be taken no more than three calendar days prior to the state licensing exam, and candidates must score 80% or higher on the Readiness Exam to qualify. Refunds exclude company-paid packages, renewals, and shipping costs. The 3-day window means candidates need to plan the sequence carefully: schedule the state exam first, then take the Readiness Exam within 3 calendar days before the scheduled state-exam date. JustInsurance's guarantee allows 30 days from first enrollment to sit for the state exam, giving more scheduling flexibility. Always verify current terms at examfx.com/pass-guarantee.

XCEL Solutions publicly describes its program as a 3-part structure (Part 1 Prelicensing Course, Part 2 Prep Review Course, Part 3 Exam Simulators). Exact course-access durations and whether the phases run continuously or on separate clocks can vary by package and state — verify current access terms at xcelsolutions.com before purchase. JustInsurance includes multiple extension options in the base course, so you can study at your own pace without juggling multiple access windows.

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 refund-style pass guarantee with the 3-day Readiness Exam window described above. XCEL Solutions publishes its own pass guarantee terms on its site; policy specifics vary by package and state, so verify current terms at xcelsolutions.com before purchase.

JustInsurance offers prelicensing and CE nationwide for Life, Health, and Life & Health. XCEL and ExamFX also cover nationwide 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.