Failing a licensing exam is frustrating. Paying $90 to retake it is worse. So, here's the honest breakdown of five prep courses: what they're good for, where they fall short, and which one fits your study style.
But first, let's clear up something most people get wrong about Delaware pre-licensing requirements.
Delaware Doesn't Require a Prep Course. That's the Trap.
Unlike most states, Delaware pre-licensing requirements don't include mandatory education hours. You can walk straight to a Pearson VUE test center and sit for the exam with zero coursework behind you.
That sounds like freedom. In practice, it's the reason so many people fail their first attempt.
The Delaware life & health insurance license exam has 90 scored questions, split into two sections: general insurance concepts and Delaware-specific law. You get 135 minutes. You need a 70% to pass.
Here's the part people don't read closely: Delaware uses a split exam structure for life and health. Pass one section but fail the other? You have one year to pass the remaining section, or you retake the whole exam from scratch.
That one-year clock is what makes preparation non-negotiable. So, let's talk courses.
The 5 Courses, Compared Honestly
Understanding Delaware pre-licensing requirements is the first step before choosing a study provider, since each course below is designed to help you meet the state's mandated hours and prepare you to pass your licensing exam with confidence.
1. Kaplan Financial Education; Best for Deep Learners
Kaplan is the most thorough option on this list. Their study material is dense, comprehensive, and built for people who want to understand insurance, not just memorize it.
• What makes it work: Three course formats (self-study, on-demand video, and live online), solid practice exams, and one of the strongest pass rates in the industry.
• What to know: Their study manual runs long. If you're someone who reads every word and builds confidence through depth, this is your course. If you skim, the volume will overwhelm you.
• One gap: Kaplan doesn't offer continuing education resources. Once you have your Delaware insurance license, you'll need 24 CE credits every two years; 3 of which must be ethics. You'll handle that somewhere else.
• Pick Kaplan if: You're new to insurance and want the most complete prep available.
2. ExamFX; Best for Exam Simulation
ExamFX is built around one idea: replicate the real exam experience as closely as possible.
Every package- self-study, video, or live online- includes exam simulations and a readiness exam that tells you, before you book your test date, whether you're actually ready to pass.
That readiness score matters more than people realize. Most first-time failures come from candidates who felt ready but hadn't measured it objectively.
• What to know: Access expires after 60 days. If you're a slow, deliberate studier, that window creates pressure. Plan your schedule before you buy.
• Pick ExamFX if: You want realistic practice tests and a clear signal of when you're prepared.
3. A.D. Banker; Best for Bite-Sized Learning
A.D. Banker takes the opposite approach to Kaplan. Instead of long chapters, they break content into short, digestible lessons; each followed by retention questions to lock in what you just read.
Their study manual also includes "lightning facts": quick summaries of key concepts that work well for last-minute review before your exam.
• What to know: Live class sessions are only held on Mondays and Tuesdays. If that schedule doesn't work for you, you're in self-study mode. Also, buying tools à la carte gets expensive; go with a package from the start.
• Pick A.D. Banker if: You struggle with dense reading and want structured, short lessons that build gradually.
4. WebCE; Best for Busy Schedules
WebCE gives you up to a year of access to courses. That's the longest window of any provider on this list.
If you're working full-time, managing a family, or can't commit to an intense study sprint, WebCE lets you move at your own pace without the pressure of an expiring access period.
• What to know: WebCE is study material, not exam coaching. You won't get the live instruction or detailed exam simulation that ExamFX or A.D. Banker offer. Use it alongside Pearson VUE's official practice tests ($19.95) to fill that gap.
• Pick WebCE if you need time flexibility above all else.
5. CompuCram; Best for Budget-Conscious Candidates
CompuCram offers many state-specific courses under $100. Their approach leans heavily on vocabulary, and that's actually smart. The Delaware life & health insurance license exam tests terms constantly. Knowing what "guaranteed renewable" or "subrogation" means isn't just trivia; it's the difference between right and wrong answers across multiple question types.
• What to know: CompuCram covers the surface well but doesn't go as deep as Kaplan or A.D. Banker on concepts. If you already have some insurance background, that's fine. If you're starting from zero, budget extra time for self-study.
• Pick CompuCram if: You have a tight budget and some prior familiarity with insurance concepts.
No matter which course you choose, make sure it aligns with the official Delaware pre-licensing requirements so your study hours count toward your license application.
Quick Comparison at a Glance
What to Study Beyond the Course Material
Whichever course you pick, pay extra attention to Delaware-specific law. Most courses handle general insurance concepts well. State law is where gaps appear.
For the Delaware life & health insurance license exam, focus on:
• Chapter 17; producer licensing, appointments, and reporting rules
• Chapter 23; unfair trade practices
• Chapter 24; fraud references and the Fraud Prevention Bureau
• Commissioner powers; enforcement, investigation, market conduct
The state section of the exam catches people off guard because the content can feel more procedural than conceptual. Read it carefully.
Bottom Line
Delaware pre-licensing requirements are more relaxed than most states; no mandatory hours, no required coursework. Just pass the exam, clear the background check, and submit your application.
But that flexibility is a double-edged sword. Without external structure pushing you, it's easy to underprepare.
Pick a course that matches how you actually study. Spend extra time on Delaware law. Take full practice exams before booking your real test date.
If you want a straightforward starting point, Just Insurance offers an optional Delaware pre-licensing course built around the exact exam topics, including practice tests, so you're not piecing together a study plan from scratch.
Do that, and your Delaware insurance license won't require a second attempt!
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