Head-to-Head Comparison
JustInsurance vs XCEL Solutions
What's actually different — features, pricing, and the specific guarantee terms that matter.
Comparison accuracy: Claims on this page reflect XCEL Solutions's publicly available product pages, pass guarantee, refund policy, and FAQ documents as of May 22, 2026. Competitor terms, pricing, and features can change without notice. Always verify current terms directly at xcelsolutions.com before purchase.
The Short Version
XCEL Solutions markets a 3-part training program (prelicensing course, prep review course, and exam simulator). Access windows, livestream session frequency, flashcard availability, and extended study options can vary by package tier. JustInsurance takes a single all-inclusive approach: the $199 base price covers the same set of features for every student (100+ videos, unlimited adaptive practice exams, 5× weekly live instructor sessions, flashcards, audio vocabulary, AI-powered exam simulations). Always verify current XCEL package contents and guarantee terms at xcelsolutions.com before purchase.
Trade-offs to Know About XCEL Solutions
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XCEL describes its offering as a 3-part program (prelicensing, prep review, exam simulator), with access windows and inclusions that can vary by package
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Livestream class frequency, flashcard access, and extended study time may vary between package tiers and as paid upgrades
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Does not publish a specific first-attempt pass rate percentage with disclosed methodology on its public product pages
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Pass guarantee terms are not prominently featured on public product pages; refund-eligibility specifics vary by package and state
Claims on this page are based on XCEL Solutions's publicly available product pages and published policy documents as of May 2026. Competitor policies and pricing can change — always verify current terms directly at xcelsolutions.com before purchase.
Feature-by-Feature: JustInsurance vs XCEL
18 comparison points across curriculum, support, guarantees, and features.
| Feature | JustInsurance | XCEL Solutions |
|---|---|---|
| 100+ Video Lessons Covering Every Exam Topic | ✓100+ videos included | !Video depth varies by package tier |
| AI-Generated Coverage of State Exam Outline | ✓ | !Rubi AI Study Partner offered; scope not publicly disclosed |
| Course Extension Options | ✓Multiple extensions included | !Paid extension available |
| Practice Exams | ✓Unlimited + adaptive | !Count varies by package |
| Live Instructor Sessions | ✓5× weekly, included | !Livestream availability varies by package |
| AI-Powered Adaptive Exam Simulations | ✓ | !Weighted-topic simulators only; not adaptive AI |
| Flashcards Included in Base Package | ✓Included in $199 | !Inclusion varies by package tier |
| White-Glove Licensing Process Support | ✓NIPR + fingerprinting help | !Not advertised in current packages — verify at xcelsolutions.com |
| Audio Vocabulary Lists | ✓ | !Not advertised in current packages — verify at xcelsolutions.com |
| Published Pass Rate with Methodology | ✓93%; inclusion requires 3× consecutive 80%+ practice exams | ✗Not published with methodology |
| AI-Optimized Reading Level — 4th/5th Grade | ✓ | !No published reading-level standard — verify at xcelsolutions.com |
| Free Report Card Review if Student Fails | ✓ | !Not advertised in current packages — verify at xcelsolutions.com |
| 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 | ✓Partner reporting available |
| Custom Automation Packages for Recruiting Workflows | ✓Built per-agency | !Partner-site tools + reporting; integration specifics vary |
| White-Label Sales Page for Partners | ✓Full white-label option | !Dedicated partner-branded sites |
| Adaptive Curriculum (Lessons Adjust to Weak Areas) | ✓Adapts throughout course | !Primarily fixed curriculum |
| Support Hours | ✓7 days (M–F 7a–10p, Sat/Sun 8a–8p) | !Standard business-hour support; verify at xcelsolutions.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
XCEL Solutions Guarantee
- • Pass guarantee terms are not prominently featured on product pages
- • Refund eligibility can vary by package and state
- • Verify current terms at xcelsolutions.com before purchase
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 XCEL Solutions FAQs
What's the main difference between JustInsurance and XCEL Solutions?
JustInsurance packages 100+ videos, unlimited adaptive practice exams, flashcards, 5× weekly live instructor sessions, AI-powered exam simulations, audio vocabulary, and white-glove licensing support into a single $199 all-inclusive course. XCEL Solutions describes its offering as a 3-part program (prelicensing course, prep review course, exam simulator), with access windows and feature inclusions that can vary by package tier. Always verify current XCEL package contents at xcelsolutions.com before purchase.
How does XCEL Solutions' course access duration work?
XCEL Solutions publicly describes its program as having separate prelicensing and prep review phases. Exact access durations and whether those phases run continuously or on separate clocks can vary by package; verify the current policy at xcelsolutions.com before purchase. JustInsurance includes multiple extension options in its base $199 course, so you can study at your own pace without additional upgrades.
Does XCEL offer live instructor sessions?
XCEL Solutions offers livestream instructor-led webinar classes (typically with camera and ID verification required) as well as on-demand recorded content. Whether live sessions are included with the base package or offered as an add-on can depend on the package tier; check xcelsolutions.com for current inclusions. JustInsurance runs live instructor sessions 5× per week as part of the standard $199 course with no package tiers.
Does XCEL publish its pass rate?
XCEL Solutions publishes general pass-rate positioning language on its site ("Trusted to Pass" / "9 in 10 students say XCEL helped them feel well prepared") but does not publish a specific first-attempt pass-rate percentage with disclosed methodology on its public product pages. JustInsurance publishes a 93% pass rate with full methodology disclosed at /pass-rates — specifically, students who completed the full course, met recommended study hours, and scored 80%+ on the practice exam three times in a row before testing. Methodology transparency is what makes a pass rate claim verifiable.
Can I get a refund from XCEL if I don't pass?
XCEL Solutions' pass guarantee and refund terms are not prominently featured on its public product pages, and specifics can vary by package and state. Always verify current terms at xcelsolutions.com before purchase. JustInsurance offers a consistent pass guarantee on every prelicensing course: 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 within 30 days of enrollment, we refund your course fee in full if you don't pass.