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.
XCEL bundles a pre-licensing course with exam simulators. Evergreen is a larger practice question bank at a lower price, without the course.
Facts checked 11 October 2026 on XCEL Solutions's own website.
| Evergreen Insurance Prep | XCEL Solutions | |
|---|---|---|
| Price | $49 once, every state and both lines | $199 to $349 by state (Texas: $199 Standard, $299 Premier) |
| Access | Lifetime, up to 3 devices | About 60 days in Texas (30 days course, then 30 days review) |
| Free to try | One full practice exam on every state and line, no sign-up | 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 | 800+ practice questions; 3 exam simulators with unlimited retakes |
| Teaching | None: practice questions with written explanations | On-demand lecture videos; recorded livestream review on Premier |
| Approved course hours | No | Yes: pre-licensing course that satisfies state requirements |
| Guarantee or refund | Full refund within 14 days | Premier only: pass first time or a full refund |
a pre-licensing course that meets state hour requirements, lecture videos, a recorded livestream review, and a first-time pass guarantee on Premier.
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.
XCEL's Texas access is about 60 days in total. Evergreen's lifetime access keeps your practice available after the course ends.
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.
Yes. Evergreen is $49 once. XCEL's Life & Health packages are $199 to $349 depending on state and package.
XCEL states 800+ practice questions and three exam simulators with unlimited retakes. Evergreen has about 900 to 1,250 questions for each state and line (24,150 across all 31 states and both lines).
On its Premier package: pass the exam on your first attempt or get a full refund. Evergreen offers a full refund within 14 days of purchase.
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.