Head-to-Head Comparison
JustInsurance vs ExamFX
What's actually different — features, pricing, and the specific guarantee terms that matter.
Comparison accuracy: Claims on this page reflect ExamFX's publicly available product pages, pass guarantee, refund policy, and FAQ documents as of April 17, 2026. Competitor terms, pricing, and features can change without notice. Always verify current terms directly at examfx.com before purchase.
The Short Version
ExamFX's pass guarantee requires candidates to take the Readiness Exam no more than three calendar days prior to their state licensing exam, scoring 80% or higher. Because Pearson VUE and PSI testing-center availability varies by market, candidates should plan the sequence carefully. JustInsurance's guarantee allows 30 days from first enrollment to sit for the exam, giving more scheduling flexibility. ExamFX publishes line-of-authority pass rates (95% Life, 94% Life & Health, 99% P&C) with disclosed methodology — 2,826 self-reported survey respondents collected Feb 1 – Oct 17, 2025. JustInsurance publishes a 93% pass rate at /pass-rates using a stricter inclusion bar: students who completed the full course, finished recommended hours, and scored 80%+ on the practice exam three times in a row before testing. Both are disclosed; the qualifying criteria differ.
Where ExamFX Falls Short
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Per ExamFX's published pass guarantee policy (examfx.com/pass-guarantee, verified April 2026): the pass guarantee requires taking the state licensing exam within 3 calendar days of scoring 80%+ on their Readiness Exam — verify current terms at examfx.com before purchase
- ✗
Per ExamFX's published refund policy (examfx.com/refund-policy, verified April 2026): the standard refund policy requires refund request within 48 hours of purchase, and course extensions and in-course purchases are non-refundable — verify current terms at examfx.com before purchase
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Pass-rate methodology counts self-reported survey respondents broadly; JustInsurance's published methodology applies a stricter inclusion bar (3× consecutive 80%+ practice-exam scores)
Claims on this page are based on ExamFX's publicly available product pages and published policy documents as of April 2026. Competitor policies and pricing can change — always verify current terms directly at examfx.com before purchase.
Feature-by-Feature: JustInsurance vs ExamFX
18 comparison points across curriculum, support, guarantees, and features.
| Feature | JustInsurance | ExamFX |
|---|---|---|
| 100+ Video Lessons Covering Every Exam Topic | ✓100+ videos included | !Video depth varies by package tier |
| AI-Generated Coverage of State Exam Outline (JustInsurance feature) | ✓ | ✗ |
| Course Extension Options | ✓Multiple extensions included | !Paid extensions available per their refund policy |
| Practice Exams | ✓Unlimited + adaptive | !Count varies by package |
| Live Instructor Sessions | ✓5× weekly, included | !Live webinars offered; availability varies by package |
| AI-Powered Adaptive Exam Simulations (JustInsurance feature) | ✓ | ✗ |
| Flashcards Included in Base Package | ✓Included in $199 | !Inclusion varies by package tier |
| White-Glove Licensing Process Support | ✓NIPR + fingerprinting help | ✗ |
| Audio Vocabulary Lists | ✓ | ✗ |
| Published Pass Rate with Methodology | ✓93%; inclusion requires 3× consecutive 80%+ practice exams | ✓94% L&H, 95% Life, 99% P&C; 2,826 self-reported respondents |
| AI-Optimized Reading Level — 4th/5th Grade (JustInsurance feature) | ✓ | ✗ |
| Free Report Card Review if Student Fails | ✓ | ✗ |
| Developer API for Agency Onboarding Automation | ✓Documented API for integrations | !Partner portal (no public API documentation) |
| Real-Time Agency Dashboard for Candidate Tracking | ✓Real-time candidate progress | ✓Manager tracking platform |
| Custom Automation Packages for Recruiting Workflows | ✓Built per-agency | !Pre-set partner portal configurations |
| White-Label Sales Page for Partners | ✓Full white-label option | !Co-branded partner portals |
| Adaptive Curriculum (Lessons Adjust to Weak Areas) | ✓Adapts throughout course | !Readiness Exam flags weak areas; core curriculum fixed |
| Support Hours | ✓7 days (M–F 7a–10p, Sat/Sun 8a–8p) | !Standard business-hour support; verify at examfx.com |
| Interactive Learning Portal | ✓ | ✓ |
| Readiness Exam with Weak-Point Analysis | ✓Detailed breakdown | ✓ |
93% pass rate measured among JustInsurance students nationwide who completed the full course and met 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. Individual results vary based on preparation, state, and line of authority. Full methodology at /pass-rates.
Pass Guarantee Comparison
JustInsurance Pass Guarantee
- ✓ Complete recommended study hours
- ✓ Score 80%+ on practice exam 3× in a row
- ✓ Test within 30 days of first enrollment
- ✓ Full course fee refund if you don't pass
- ✓ Same terms every state, every line of authority
ExamFX Guarantee
- • Score 80%+ on ExamFX Readiness Exam
- • Take state exam within 3 calendar days of Readiness Exam (vs. JustInsurance's 30 days from enrollment)
- • Company-paid packages, renewals, and shipping excluded
- • Verify current terms at examfx.com/pass-guarantee
See Why 20,000+ Students Chose JustInsurance
State-approved prelicensing nationwide. $199 all-inclusive. Pass guarantee backed by published methodology. Same-day CE reporting. Live sessions 5× weekly.
JustInsurance vs ExamFX FAQs
What's the main difference between JustInsurance and ExamFX?
Both are well-established providers with 50-state coverage, and both publish pass rates with disclosed methodology. The biggest practical differences are (1) ExamFX's pass guarantee requires you to take the state licensing exam within 3 calendar days of scoring 80%+ on their Readiness Exam, so candidates need to plan the testing-center sequence carefully; and (2) ExamFX's pass-rate methodology counts self-reported survey respondents broadly, while JustInsurance's published methodology applies a stricter inclusion bar (students who scored 80%+ on three consecutive practice exams before testing).
What are the exact terms of ExamFX's 3-day guarantee?
Per ExamFX's published pass guarantee policy: (1) you must score 80% or higher on their Readiness Exam, (2) the Readiness Exam must be taken no more than three calendar days prior to the state licensing exam, (3) the guarantee applies to the first state licensing exam attempt, and (4) 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. Always verify current terms at examfx.com/pass-guarantee.
How often does ExamFX run live sessions?
ExamFX offers live webinars and live online sessions as features in at least some of its packages; the exact cadence and which packages include them can vary. JustInsurance runs genuine live instructor sessions 5× per week as part of the standard $199 course — consistent across all states and lines of authority, included in the base price.
Does ExamFX publish its pass rate?
Yes. ExamFX publishes line-of-authority pass rates on examfx.com/resources/candidates: 95% Life, 94% Life & Health, 90% Health, 99% Property & Casualty, 95% Personal Lines, and a 93% overall combined rate. ExamFX discloses the underlying methodology — self-reported survey responses from 2,826 learners collected between February 1, 2025 and October 17, 2025. JustInsurance publishes a 93% pass rate at /pass-rates using a stricter inclusion bar: students who completed the full course, met recommended study hours, and scored 80%+ on the practice exam three times in a row before testing. Both methodologies are disclosed; the qualifying criteria differ — ExamFX counts self-reported survey respondents broadly, while JustInsurance counts only students who hit the 3× consecutive 80%+ practice-exam bar.
Does ExamFX include flashcards and practice exam simulations in the base package?
ExamFX's public insurance course pages list online flashcards, on-demand video lectures, an interactive learning portal, a readiness exam, and live online training as study tools across their three published package tiers (Self-Study, Video Study, Live Online); feature inclusion varies by tier. Per ExamFX's published refund policy, course extensions, digital add-on products, and in-course purchases are non-refundable once purchased. JustInsurance includes unlimited adaptive practice exams, full flashcard decks, AI-powered simulations, and audio vocabulary in the base $199 course — one tier, no add-ons for core study content. Verify current ExamFX inclusions at examfx.com before purchase.