We make Evergreen Insurance Prep. This is our own comparison, not an independent review. Every competitor fact comes from that provider's own website, linked under Sources.
Candidates for the Life & Health and Property & Casualty producer exams usually weigh a full course from a large provider against a cheaper question bank. This page sets Evergreen Insurance Prep beside the options people most often consider, using each provider's own published prices and features, and says plainly where each one is the better choice.
Prices and features checked 11 October 2026 on each provider's own website.
| Evergreen Insurance Prep | Kaplan Financial Education | ExamFX | XCEL Solutions | Achievable | America's Professor | Mometrix | Pearson VUE practice tests | |
|---|---|---|---|---|---|---|---|---|
| Price | $49 once, every state and both lines | $139 to $349 for a Life & Health package (Texas, regular prices); question bank alone from $69 | $169.95 Self-Study, $219.95 Video Study, $299.95 Live Online (current sale prices; Live Online lists at $369.95) | $199 to $349 by state (Texas: $199 Standard, $299 Premier) | $149 once | $199 (Texas Life & Health) | $59.99 a month, renews until cancelled | $19.95 per practice test (Life and Health sold separately) |
| Access | Lifetime, up to 3 devices | 60 days; extensions $29 to $49 | 60 days | About 60 days in Texas (30 days course, then 30 days review) | 1 year | 100 days, with free extensions until you pass | While subscribed | 30 days to start each test |
| Free to try | One full practice exam on every state and line, no sign-up | 7-day free trial of sample study tools | Not stated | Not stated | Free start, no card needed (scope not stated) | Not stated | Free practice test and sample questions | Not stated |
| Question bank | About 900 to 1,250 questions per state and line (national core plus that state's law), each with a statute-cited explanation; 24,150 across all 31 states and both lines | Not stated | Not stated | 800+ practice questions; 3 exam simulators with unlimited retakes | 650+ review questions; 5+ full-length practice exams | 700+ review questions | 440 questions including 3 full-length tests; 330+ flashcards | 75 questions per test: 50 general, 25 generic state |
| Teaching | None: practice questions with written explanations | Video and audio review, printed manual with state law supplement; live online classes on Premium | Video lectures; live online webinars on the top package | On-demand lecture videos; recorded livestream review on Premier | Full online textbook; no video | 24+ hours of on-demand video; printed textbook included | 30+ written lessons | None |
| Approved course hours | No | Licensing packages sold; approval not stated on the pages checked | Yes: described as state-approved Life & Health licensing prep | Yes: pre-licensing course that satisfies state requirements | In eligible states | Pre-licensing course; approval not stated on the page checked | No | No |
| Guarantee or refund | Full refund within 14 days | Full refund if you do not pass and meet Kaplan's criteria | Refund if you score 80% or more on its Readiness Exam and still fail (restrictions apply) | Premier only: pass first time or a full refund | Pass or your money back, with no study-time conditions | Not stated | 7-day satisfaction refund | Not stated |
Swipe sideways on a phone to see every column.
Stronger than Evergreen Insurance Prep on: live online classes with instructor support, video and audio review, a printed manual with a state law supplement, a conditional money-back guarantee, and the best-known brand in insurance licensing.
Where Evergreen Insurance Prep is stronger: price ($49 against $139 to $349 for one Life & Health package), lifetime access against 60 days, one purchase covering every state and both lines, and a full practice exam free before you pay. Full comparison
Stronger than Evergreen Insurance Prep on: state-approved licensing prep that counts towards required hours, video lectures and live webinars, instructor support, and a pass guarantee tied to its Readiness Exam.
Where Evergreen Insurance Prep is stronger: price ($49 against $169.95 to $299.95), lifetime access against 60 days, a full practice exam free before you pay, and one purchase covering every state and both lines. Full comparison
Stronger than Evergreen Insurance Prep on: a pre-licensing course that meets state hour requirements, lecture videos, a recorded livestream review, and a first-time pass guarantee on Premier.
Where Evergreen Insurance Prep is stronger: price ($49 against $199 to $349), lifetime access against about 60 days, a somewhat larger bank for each state and line (about 900 to 1,250 questions against 800+), a free full practice exam, and every state and both lines in one purchase. Full comparison
Stronger than Evergreen Insurance Prep on: a full online textbook, pre-licensing in eligible states, and a simple pass-or-money-back guarantee with no study thresholds.
Where Evergreen Insurance Prep is stronger: price ($49 against $149), lifetime access against one year, a larger bank for each state and line (about 900 to 1,250 questions against 650+ review questions), and both lines in one purchase.
Stronger than Evergreen Insurance Prep on: 24+ hours of video teaching, a printed textbook and state law manual, and free access extensions until you pass.
Where Evergreen Insurance Prep is stronger: price ($49 against $199 in Texas), a larger bank for each state and line (about 900 to 1,250 questions against 700+), a free full practice exam, and both lines in one purchase.
Stronger than Evergreen Insurance Prep on: bundled lessons and flashcards, and a low cost if you only need one month.
Where Evergreen Insurance Prep is stronger: $49 once against $59.99 every month, lifetime access, state-specific questions for 31 states (Mometrix's course page does not mention state content), and about twice as many questions for each state and line (about 900 to 1,250 against 440).
Stronger than Evergreen Insurance Prep on: written by the company that delivers the exam in many states, and a low-cost single test ($19.95).
Where Evergreen Insurance Prep is stronger: a full bank with lifetime access instead of one 75-question test, and state-specific questions with written explanations, where Pearson VUE's state questions are generic and come without state-portion feedback.
Some states require approved pre-licensing education before you can sit the exam. California, for example, requires 32 hours for Life-only or Accident & Health and 52 hours for both (California Department of Insurance, Life and Accident & Health FAQ). Check your own state's rules first.
Every state and line has one full practice exam free, with written explanations, and no sign-up. If it suits you, the full bank is $49 once.
No. Evergreen is a practice question bank. If your state requires approved pre-licensing hours, you need a course from an approved provider. Evergreen is for practising alongside that course or after it.
Evergreen's free tier gives one full practice exam on every state and line at no cost. The full bank is $49 once with lifetime access, less than any course package compared here. Pearson VUE's single practice tests cost less ($19.95 each), but each is one 75-question test.
On the pages we checked: Achievable (pass or your money back), ExamFX (refund if you fail after scoring 80% or more on its Readiness Exam), XCEL Premier (pass first time or a full refund) and Kaplan (a full refund if you meet its criteria). Evergreen offers a full refund within 14 days instead of a pass guarantee.
Evergreen access is lifetime. On the pages we checked, Kaplan and ExamFX give 60 days, XCEL about 60 days in Texas, Achievable one year, America's Professor 100 days with free extensions until you pass, and Mometrix while you keep paying monthly.
Every competitor fact was checked on the provider's own website on the date shown under Sources, and we re-check at least every three months. Prices vary by state and change with promotions, so confirm on the provider's site before you buy.
Every competitor fact on this page comes from that provider's own website, on the pages listed under Sources, on the date shown. Prices change and vary by state; check the provider's site before you buy. Evergreen Insurance Prep is not affiliated with any provider named here; their names and trademarks belong to their owners. Spotted something out of date? Email support@evergreeninsuranceprep.com and we will correct it.