{"id":5102,"date":"2025-07-22T10:22:36","date_gmt":"2025-07-22T15:22:36","guid":{"rendered":"https:\/\/www.charlotteobserver.com\/careers-education\/?p=5102"},"modified":"2026-06-16T18:50:15","modified_gmt":"2026-06-16T23:50:15","slug":"xcel-solutions-review","status":"publish","type":"post","link":"https:\/\/www.charlotteobserver.com\/careers-education\/xcel-solutions-review\/","title":{"rendered":"XCEL Solutions Review: Is It the Insurance Training for You?"},"content":{"rendered":" <p class=\"wp-block-paragraph\">Around <a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/content.naic.org\/sites\/default\/files\/2022%252520Compiled%252520Pass%252520Rates%252520%2525209.1.23_0.pdf\">63%<\/a> of people pass their insurance license exam on the first try. In an industry built on confidence and compliance, that stat isn\u2019t just concerning\u2014it\u2019s a signal that your prep course matters.<\/p> <p class=\"wp-block-paragraph\">That\u2019s where XCEL Solutions comes in.<\/p> <p class=\"wp-block-paragraph\">I wanted to see if this insurance exam prep platform actually lives up to the hype. So I took a deep dive into how XCEL Solutions delivers content, structures its assessment exams, and supports students chasing careers in insurance and securities licensing.<\/p> <p class=\"wp-block-paragraph\">Spoiler: there\u2019s a lot to like\u2014if you know what you\u2019re looking for.<\/p> <p class=\"wp-block-paragraph\">Let\u2019s take a closer look.<\/p> <h3 class=\"wp-block-heading custom_key\" id=\"h-who-should-use-this-course\">Who Should Use This Course<\/h3> <ul class=\"wp-block-list custom_underline\"> <li><strong>If you like learning at your own pace, <\/strong>then XCEL\u2019s self-guided format makes it easy to stay in control.<\/li> <li><strong>If visuals help things click, <\/strong>then you\u2019ll appreciate the clean dashboard and clear content layout.<\/li> <li><strong>If you\u2019re on your phone more than your laptop, <\/strong>then the mobile access will fit your routine without a hitch.<\/li> <li><strong>If you\u2019re comparing options, <\/strong>then XCEL is a great baseline to see what other courses might be missing.<\/li> <li><strong>If you want extra coaching or live instruction, <\/strong>then you\u2019ll need to look elsewhere\u2014this course is pretty hands-off.<\/li> <\/ul> <h2 class=\"wp-block-heading has-text-align-center\" id=\"h-course-overview\">Course Overview<\/h2> <figure class=\"wp-block-image aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"261\" height=\"115\" src=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2025\/06\/XCEL-2.png\" alt=\"\" class=\"wp-image-4967\" srcset=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2025\/06\/XCEL-2.png 261w, https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2025\/06\/XCEL-2-150x66.png 150w\" sizes=\"auto, (max-width: 261px) 100vw, 261px\" \/><\/figure> <p class=\"wp-block-paragraph\">XCEL Insurance Training helps you prep for your state\u2019s life, health, property, or casualty licensing exam, all online, all self-paced. As I clicked through the course dashboard, I appreciated how clean and straightforward the layout was. Each section is clearly marked, and the lesson flow makes it easy to hop in and out without losing your place.<\/p> <figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"640\" src=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2025\/07\/XCEL-Insurance-Training-Review-info1-1024x640.png\" alt=\"\" class=\"wp-image-5104\" srcset=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2025\/07\/XCEL-Insurance-Training-Review-info1-1024x640.png 1024w, https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2025\/07\/XCEL-Insurance-Training-Review-info1-300x188.png 300w, https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2025\/07\/XCEL-Insurance-Training-Review-info1-768x480.png 768w, https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2025\/07\/XCEL-Insurance-Training-Review-info1-150x94.png 150w, https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2025\/07\/XCEL-Insurance-Training-Review-info1-1536x960.png 1536w, https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2025\/07\/XCEL-Insurance-Training-Review-info1-scaled.png 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure> <p class=\"wp-block-paragraph\">One thing I liked right away? The transcript breaks everything into clear, clickable lessons and quizzes. It doesn\u2019t overwhelm you with too much at once, and the order keeps you focused without needing to figure out what to do next. Perfect if you like structure without the pressure.<\/p> <p class=\"wp-block-paragraph\">Whether you\u2019re going for a Life and Health license or something more niche like Personal Lines, the content is clearly labeled and tailored to each track. I noticed the Life and Health course was more detailed, while the P&amp;C felt a bit quicker to get through. Either way, you\u2019re not stuck guessing what\u2019s relevant\u2014each lesson aligns directly with your state\u2019s exam outline. That level of clarity saves a lot of second-guessing and Googling.<\/p> <h3 class=\"wp-block-heading\" id=\"h-pros\">Pros<\/h3> <ul style=\"padding-left: 1.6em;text-align: left;--ub-list-item-icon-top: 3px;--ub-list-item-icon-size: 1.4em;);--ub-list-item-fa-li-top: 3px;--ub-list-item-spacing: 0px;column-count: 1;--ub-list-mobile-column-count: 1\" class=\"wp-block-ub-styled-list ub_styled_list\" id=\"ub_styled_list-92dec225-29c3-44b8-a219-120b35462877\"> <li class=\"ub_styled_list_item\" style=\"--ub-list-item-icon-top: 3px; --ub-list-item-icon-size: 1.4em; --ub-list-item-background-image: url('data:image\/svg+xml;utf8,&lt;svg xmlns=&quot;http:\/\/www.w3.org\/2000\/svg&quot; viewBox=&quot;0 0 512 512&quot;&gt;&lt;path fill=&quot;%2300d084&quot; d=&quot;M256 512c141.4 0 256-114.6 256-256S397.4 0 256 0S0 114.6 0 256S114.6 512 256 512zM369 209L241 337c-9.4 9.4-24.6 9.4-33.9 0l-64-64c-9.4-9.4-9.4-24.6 0-33.9s24.6-9.4 33.9 0l47 47L335 175c9.4-9.4 24.6-9.4 33.9 0s9.4 24.6 0 33.9z&quot;&gt;&lt;\/path&gt;&lt;\/svg&gt;'); \" id=\"ub-styled-list-item-e64a8b4a-5fdc-4bae-9254-bcf71866aed2\"> <div class=\"ub_list_item_content\"> <span class=\"ub_list_item_icon\"> <svg width=\"1.4em\" height=\"1.4em\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><path fill=\"#00d084\" d=\"M256 512c141.4 0 256-114.6 256-256S397.4 0 256 0S0 114.6 0 256S114.6 512 256 512zM369 209L241 337c-9.4 9.4-24.6 9.4-33.9 0l-64-64c-9.4-9.4-9.4-24.6 0-33.9s24.6-9.4 33.9 0l47 47L335 175c9.4-9.4 24.6-9.4 33.9 0s9.4 24.6 0 33.9z\"><\/path><\/svg> <\/span> <span class=\"ub_list_item_text\">User-friendly: Super easy to navigate. Everything\u2019s labeled clearly, and I could jump in without watching a tutorial.<\/span> <\/div> <\/li> <li class=\"ub_styled_list_item\" style=\"--ub-list-item-icon-top: 3px; --ub-list-item-icon-size: 1.4em; --ub-list-item-background-image: url('data:image\/svg+xml;utf8,&lt;svg xmlns=&quot;http:\/\/www.w3.org\/2000\/svg&quot; viewBox=&quot;0 0 512 512&quot;&gt;&lt;path fill=&quot;%2300d084&quot; d=&quot;M256 512c141.4 0 256-114.6 256-256S397.4 0 256 0S0 114.6 0 256S114.6 512 256 512zM369 209L241 337c-9.4 9.4-24.6 9.4-33.9 0l-64-64c-9.4-9.4-9.4-24.6 0-33.9s24.6-9.4 33.9 0l47 47L335 175c9.4-9.4 24.6-9.4 33.9 0s9.4 24.6 0 33.9z&quot;&gt;&lt;\/path&gt;&lt;\/svg&gt;'); \" id=\"ub-styled-list-item-491232e0-a666-49e5-9f0c-94a1c92ab519\"> <div class=\"ub_list_item_content\"> <span class=\"ub_list_item_icon\"> <svg width=\"1.4em\" height=\"1.4em\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><path fill=\"#00d084\" d=\"M256 512c141.4 0 256-114.6 256-256S397.4 0 256 0S0 114.6 0 256S114.6 512 256 512zM369 209L241 337c-9.4 9.4-24.6 9.4-33.9 0l-64-64c-9.4-9.4-9.4-24.6 0-33.9s24.6-9.4 33.9 0l47 47L335 175c9.4-9.4 24.6-9.4 33.9 0s9.4 24.6 0 33.9z\"><\/path><\/svg> <\/span> <span class=\"ub_list_item_text\">Rubi AI guidance: Rubi gives you a built-in way to ask study questions as they come up, which can make difficult insurance topics feel easier to manage.<\/span> <\/div> <\/li> <li class=\"ub_styled_list_item\" style=\"--ub-list-item-icon-top: 3px; --ub-list-item-icon-size: 1.4em; --ub-list-item-background-image: url('data:image\/svg+xml;utf8,&lt;svg xmlns=&quot;http:\/\/www.w3.org\/2000\/svg&quot; viewBox=&quot;0 0 512 512&quot;&gt;&lt;path fill=&quot;%2300d084&quot; d=&quot;M256 512c141.4 0 256-114.6 256-256S397.4 0 256 0S0 114.6 0 256S114.6 512 256 512zM369 209L241 337c-9.4 9.4-24.6 9.4-33.9 0l-64-64c-9.4-9.4-9.4-24.6 0-33.9s24.6-9.4 33.9 0l47 47L335 175c9.4-9.4 24.6-9.4 33.9 0s9.4 24.6 0 33.9z&quot;&gt;&lt;\/path&gt;&lt;\/svg&gt;'); \" id=\"ub-styled-list-item-bf097111-d4e3-485b-9071-efa7bc224654\"> <div class=\"ub_list_item_content\"> <span class=\"ub_list_item_icon\"> <svg width=\"1.4em\" height=\"1.4em\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><path fill=\"#00d084\" d=\"M256 512c141.4 0 256-114.6 256-256S397.4 0 256 0S0 114.6 0 256S114.6 512 256 512zM369 209L241 337c-9.4 9.4-24.6 9.4-33.9 0l-64-64c-9.4-9.4-9.4-24.6 0-33.9s24.6-9.4 33.9 0l47 47L335 175c9.4-9.4 24.6-9.4 33.9 0s9.4 24.6 0 33.9z\"><\/path><\/svg> <\/span> <span class=\"ub_list_item_text\">State-specific: Each course is tailored to your state exam\u2014no filler, just what you need to pass.<\/span> <\/div> <\/li> <li class=\"ub_styled_list_item\" style=\"--ub-list-item-icon-top: 3px; --ub-list-item-icon-size: 1.4em; --ub-list-item-background-image: url('data:image\/svg+xml;utf8,&lt;svg xmlns=&quot;http:\/\/www.w3.org\/2000\/svg&quot; viewBox=&quot;0 0 512 512&quot;&gt;&lt;path fill=&quot;%2300d084&quot; d=&quot;M256 512c141.4 0 256-114.6 256-256S397.4 0 256 0S0 114.6 0 256S114.6 512 256 512zM369 209L241 337c-9.4 9.4-24.6 9.4-33.9 0l-64-64c-9.4-9.4-9.4-24.6 0-33.9s24.6-9.4 33.9 0l47 47L335 175c9.4-9.4 24.6-9.4 33.9 0s9.4 24.6 0 33.9z&quot;&gt;&lt;\/path&gt;&lt;\/svg&gt;'); \" id=\"ub-styled-list-item-ccdc8c89-d530-43f5-a7ea-ded005494527\"> <div class=\"ub_list_item_content\"> <span class=\"ub_list_item_icon\"> <svg width=\"1.4em\" height=\"1.4em\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><path fill=\"#00d084\" d=\"M256 512c141.4 0 256-114.6 256-256S397.4 0 256 0S0 114.6 0 256S114.6 512 256 512zM369 209L241 337c-9.4 9.4-24.6 9.4-33.9 0l-64-64c-9.4-9.4-9.4-24.6 0-33.9s24.6-9.4 33.9 0l47 47L335 175c9.4-9.4 24.6-9.4 33.9 0s9.4 24.6 0 33.9z\"><\/path><\/svg> <\/span> <span class=\"ub_list_item_text\">Bite-sized: Lessons are short and focused. I could knock one out on a lunch break without feeling rushed.<\/span> <\/div> <\/li> <li class=\"ub_styled_list_item\" style=\"--ub-list-item-icon-top: 3px; --ub-list-item-icon-size: 1.4em; --ub-list-item-background-image: url('data:image\/svg+xml;utf8,&lt;svg xmlns=&quot;http:\/\/www.w3.org\/2000\/svg&quot; viewBox=&quot;0 0 512 512&quot;&gt;&lt;path fill=&quot;%2300d084&quot; d=&quot;M256 512c141.4 0 256-114.6 256-256S397.4 0 256 0S0 114.6 0 256S114.6 512 256 512zM369 209L241 337c-9.4 9.4-24.6 9.4-33.9 0l-64-64c-9.4-9.4-9.4-24.6 0-33.9s24.6-9.4 33.9 0l47 47L335 175c9.4-9.4 24.6-9.4 33.9 0s9.4 24.6 0 33.9z&quot;&gt;&lt;\/path&gt;&lt;\/svg&gt;'); \" id=\"ub-styled-list-item-b1c8661f-b700-4674-bf7e-a7a70f004df3\"> <div class=\"ub_list_item_content\"> <span class=\"ub_list_item_icon\"> <svg width=\"1.4em\" height=\"1.4em\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><path fill=\"#00d084\" d=\"M256 512c141.4 0 256-114.6 256-256S397.4 0 256 0S0 114.6 0 256S114.6 512 256 512zM369 209L241 337c-9.4 9.4-24.6 9.4-33.9 0l-64-64c-9.4-9.4-9.4-24.6 0-33.9s24.6-9.4 33.9 0l47 47L335 175c9.4-9.4 24.6-9.4 33.9 0s9.4 24.6 0 33.9z\"><\/path><\/svg> <\/span> <span class=\"ub_list_item_text\">Mobile-ready: It worked smoothly on my phone. I reviewed a few modules while waiting in the pickup line\u2014no glitches.<\/span> <\/div> <\/li> <\/ul> <h3 class=\"wp-block-heading\" id=\"h-cons\">Cons<\/h3> <ul style=\"padding-left: 1.6em;text-align: left;--ub-list-item-icon-top: 3px;--ub-list-item-icon-size: 1.4em;);--ub-list-item-fa-li-top: 3px;--ub-list-item-spacing: 0px;column-count: 1;--ub-list-mobile-column-count: 1\" class=\"wp-block-ub-styled-list ub_styled_list\" id=\"ub_styled_list-b9829146-9900-49b7-9da1-9da98dd20863\"> <li class=\"ub_styled_list_item\" style=\"--ub-list-item-icon-top: 3px; --ub-list-item-icon-size: 1.4em; --ub-list-item-background-image: url('data:image\/svg+xml;utf8,&lt;svg xmlns=&quot;http:\/\/www.w3.org\/2000\/svg&quot; viewBox=&quot;0 0 512 512&quot;&gt;&lt;path fill=&quot;%23cf2e2e&quot; d=&quot;M256 512c141.4 0 256-114.6 256-256S397.4 0 256 0S0 114.6 0 256S114.6 512 256 512zM175 175c9.4-9.4 24.6-9.4 33.9 0l47 47 47-47c9.4-9.4 24.6-9.4 33.9 0s9.4 24.6 0 33.9l-47 47 47 47c9.4 9.4 9.4 24.6 0 33.9s-24.6 9.4-33.9 0l-47-47-47 47c-9.4 9.4-24.6 9.4-33.9 0s-9.4-24.6 0-33.9l47-47-47-47c-9.4-9.4-9.4-24.6 0-33.9z&quot;&gt;&lt;\/path&gt;&lt;\/svg&gt;'); \" id=\"ub-styled-list-item-9bae10af-0624-45e1-86c7-1cf8d0759dd3\"> <div class=\"ub_list_item_content\"> <span class=\"ub_list_item_icon\"> <svg width=\"1.4em\" height=\"1.4em\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><path fill=\"#cf2e2e\" d=\"M256 512c141.4 0 256-114.6 256-256S397.4 0 256 0S0 114.6 0 256S114.6 512 256 512zM175 175c9.4-9.4 24.6-9.4 33.9 0l47 47 47-47c9.4-9.4 24.6-9.4 33.9 0s9.4 24.6 0 33.9l-47 47 47 47c9.4 9.4 9.4 24.6 0 33.9s-24.6 9.4-33.9 0l-47-47-47 47c-9.4 9.4-24.6 9.4-33.9 0s-9.4-24.6 0-33.9l47-47-47-47c-9.4-9.4-9.4-24.6 0-33.9z\"><\/path><\/svg> <\/span> <span class=\"ub_list_item_text\">No live help: There\u2019s no live instructor support or tutoring. If you get stuck, you\u2019re mostly on your own.<\/span> <\/div> <\/li> <li class=\"ub_styled_list_item\" style=\"--ub-list-item-icon-top: 3px; --ub-list-item-icon-size: 1.4em; --ub-list-item-background-image: url('data:image\/svg+xml;utf8,&lt;svg xmlns=&quot;http:\/\/www.w3.org\/2000\/svg&quot; viewBox=&quot;0 0 512 512&quot;&gt;&lt;path fill=&quot;%23cf2e2e&quot; d=&quot;M256 512c141.4 0 256-114.6 256-256S397.4 0 256 0S0 114.6 0 256S114.6 512 256 512zM175 175c9.4-9.4 24.6-9.4 33.9 0l47 47 47-47c9.4-9.4 24.6-9.4 33.9 0s9.4 24.6 0 33.9l-47 47 47 47c9.4 9.4 9.4 24.6 0 33.9s-24.6 9.4-33.9 0l-47-47-47 47c-9.4 9.4-24.6 9.4-33.9 0s-9.4-24.6 0-33.9l47-47-47-47c-9.4-9.4-9.4-24.6 0-33.9z&quot;&gt;&lt;\/path&gt;&lt;\/svg&gt;'); \" id=\"ub-styled-list-item-1b9f6435-fcea-4e45-ab7a-efcbdca3c98d\"> <div class=\"ub_list_item_content\"> <span class=\"ub_list_item_icon\"> <svg width=\"1.4em\" height=\"1.4em\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><path fill=\"#cf2e2e\" d=\"M256 512c141.4 0 256-114.6 256-256S397.4 0 256 0S0 114.6 0 256S114.6 512 256 512zM175 175c9.4-9.4 24.6-9.4 33.9 0l47 47 47-47c9.4-9.4 24.6-9.4 33.9 0s9.4 24.6 0 33.9l-47 47 47 47c9.4 9.4 9.4 24.6 0 33.9s-24.6 9.4-33.9 0l-47-47-47 47c-9.4 9.4-24.6 9.4-33.9 0s-9.4-24.6 0-33.9l47-47-47-47c-9.4-9.4-9.4-24.6 0-33.9z\"><\/path><\/svg> <\/span> <span class=\"ub_list_item_text\">Brief explanations: Some quiz answers could use more detail. I felt that a few were too short to really explain why you got it wrong.<\/span> <\/div> <\/li> <\/ul> <div class=\"ub_review_block wp-block-ub-review\" id=\"ub_review_27afc2a2-7b29-4040-815c-9e6cf7d1391b\"><p class=\"ub_review_item_name\" style=\"font-size: 28px; text-align: left; \">XCEL Insurance Training Review<\/p><p class=\"ub_review_author_name\" style=\"text-align: left; \"><\/p><div class=\"ub_review_entry\"><span>Dashboard<\/span><div class=\"ub_review_stars\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 150 150\"> <defs><mask id=\"ub_review_star_filter-27afc2a2-7b29-4040-815c-9e6cf7d1391b-0-0\"><rect height=\"150\" width=\"150\" y=\"0\" x=\"0\" fill=\"#fff\"><\/rect><\/mask><\/defs> <path fill=\"#888888\" stroke-width=\"2.5\" d=\"m0.75,56.89914l56.02207,0l17.31126,-56.14914l17.31126,56.14914l56.02206,0l-45.32273,34.70168l17.31215,56.14914l-45.32274,-34.70262l-45.32274,34.70262l17.31215,-56.14914l-45.32274,-34.70168z\" 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mask=\"url(#ub_review_star_filter-27afc2a2-7b29-4040-815c-9e6cf7d1391b-average-4)\" fill=\"#f7b708\" strokewidth=\"2.5\" d=\"m0.75,56.89914l56.02207,0l17.31126,-56.14914l17.31126,56.14914l56.02206,0l-45.32273,34.70168l17.31215,56.14914l-45.32274,-34.70262l-45.32274,34.70262l17.31215,-56.14914l-45.32274,-34.70168z\" stroke=\"#f7b708\"><\/path> <\/svg><\/div><\/div><\/div><div class=\"ub_review_cta_panel\"><div class=\"ub_review_cta_main\" style=\"justify-content: center; \"> <div style=\"gap: 20px\" class=\"align-button-center ub-buttons orientation-button-row ub-flex-wrap wp-block-ub-button\" id=\"ub-button-21d2c7a4-1562-43f6-a6c3-f18f8d021a77\"><div class=\"ub-button-container\"> <a href=\"https:\/\/www.charlotteobserver.com\/careers-education\/recommends\/xcel-institute-training\/xcel-institute-training\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\" class=\"ub-button-block-main ub-button-flex\" role=\"button\" style=\"--ub-button-background-color: #00d084; --ub-button-color: #ffffff; --ub-button-border: none; --ub-button-hover-background-color: #7bdcb5; --ub-button-hover-color: #ffffff; --ub-button-hover-border: none; font-size: 17px; padding-top: 10px; padding-right: 10px; padding-bottom: 10px; padding-left: 10px; border-top-left-radius: 10px;; border-top-right-radius: 10px;; border-bottom-left-radius: 10px;; border-bottom-right-radius: 10px;; \"> <div class=\"ub-button-content-holder\" style=\"flex-direction: row\"> <span class=\"ub-button-block-btn\">CHECK PRICING<\/span> <\/div> <\/a> <\/div><\/div> <\/div><\/div><\/div><\/div> <h2 class=\"wp-block-heading\" id=\"h-xcel-solutions-course-package-options\">XCEL Solutions Course Package Options<\/h2> <figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2025\/07\/XCEL-Insurance-Training-Review-info2-1024x576.png\" alt=\"\" class=\"wp-image-5105\" srcset=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2025\/07\/XCEL-Insurance-Training-Review-info2-1024x576.png 1024w, https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2025\/07\/XCEL-Insurance-Training-Review-info2-300x169.png 300w, https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2025\/07\/XCEL-Insurance-Training-Review-info2-768x432.png 768w, https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2025\/07\/XCEL-Insurance-Training-Review-info2-150x84.png 150w, https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2025\/07\/XCEL-Insurance-Training-Review-info2-1536x864.png 1536w, https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2025\/07\/XCEL-Insurance-Training-Review-info2.png 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure> <p class=\"wp-block-paragraph\">XCEL keeps things simple with two main packages: Standard and Premier. Both are built to get you across the finish line, but one offers a few extra tools if you want a more supported study experience. Here\u2019s how they stack up.<\/p> <h3 class=\"wp-block-heading\" id=\"h-premier-pre-licensing\">Premier Pre-licensing<\/h3> <p class=\"wp-block-paragraph\">If you\u2019re prepping for your Life and Health, Property and Casualty, or Personal Lines license in <a href=\"https:\/\/www.xcelsolutions.com\/north-carolina\/insurance-license\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">North Carolina<\/a> or any other state, XCEL\u2019s Premier package gives you extra ways to study smarter, not harder. It\u2019s a good fit if you want reinforcement tools beyond just reading and testing.<\/p> <ul class=\"wp-block-list\"> <li>800+ digital flashcards to help review key concepts<\/li> <li>A recorded version of XCEL\u2019s live 1-day exam review class<\/li> <li>Prepared to Pass Promise (full refund if you don\u2019t pass on your first try)<\/li> <li>Plus everything from the standard package<\/li> <\/ul> <h3 class=\"wp-block-heading\" id=\"h-standard-pre-licensing\">Standard Pre-licensing<\/h3> <p class=\"wp-block-paragraph\">If you\u2019re confident with self-paced learning and just want a clear, structured path to pass, the standard package covers the essentials. I moved through the dashboard easily, and the way it locks and unlocks content kept things organized.<\/p> <ul class=\"wp-block-list\"> <li>Online pre-licensing course (state-approved)<\/li> <li>Condensed Prep Review course aligned to your state exam<\/li> <li>Three exam simulators with unlimited retakes<\/li> <li>30-day access to each part of the system<\/li> <\/ul> <style type=\"text\/css\" id=\"supsystic-table-105_89544-css\">\/* Here you can add custom CSS for the current table *\/ \/* Lean more about CSS: https:\/\/en.wikipedia.org\/wiki\/Cascading_Style_Sheets *\/ \/* To prevent the use of styles to other tables use \"#supsystic-table-105\" as a base selector for example: #supsystic-table-105 { ... } #supsystic-table-105 tbody { ... } #supsystic-table-105 tbody tr { ... } *\/ span.discount { margin-top: 6px; display: inline-block; float: left; font-weight: 400; width: 100%; font-size: 12px; } .supsystic-tables-wrap thead th { font-size: 16px; } .supsystic-table tr:nth-child(1) th a:nth-child(3) { background: #1873cd; 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} .supsystic-table tbody tr:last-child td { border-bottom: 1px solid #dddddd; } .supsystic-table thead th { border-bottom: unset !important; border-left: unset !important; } .supsystic-table thead tr:first-child th:first-child { border-radius: 12px 0 00; border-left: 1px solid #dddddd !important; } .supsystic-table thead tr th { border: 1px solid #dddddd; } .supsystic-table thead tr:first-child th:last-child { border-radius: 0 12px 0 0; } .supsystic-table thead tr:last-child th:first-child { border-left: 1px solid #dddddd !important; } .supsystic-table tbody tr:last-child td:first-child { border-radius: 0 0 0 12px; } .supsystic-table tbody tr:last-child td:last-child { border-radius: 0 0 12px 0; } @media screen and (max-width: 767px) { .supsystic-table tbody tr:last-child td a { padding: 8px !important; font-size: 11px !important; } } <\/style> <div id=\"supsystic-table-105_89544\" class=\"supsystic-tables-wrap \" style=\" width:100%; visibility: hidden; \" data-table-width-fixed=\"100%\" data-table-width-mobile=\"100%\" ><table id=\"supsystic-table-105\" class=\"supsystic-table border lightboxImg cell-border\" data-id=\"105\" data-view-id=\"105_89544\" data-title=\"XCEL Insurance Training Review Course Package Options\" data-currency-format=\"$1,000.00\" data-percent-format=\"10.00%\" data-date-format=\"DD.MM.YYYY\" data-time-format=\"HH:mm\" data-features=\"[&quot;after_table_loaded_script&quot;]\" data-search-value=\"\" data-lightbox-img=\"\" data-head=\"on\" data-head-rows-count=\"1\" data-pagination-length=\"50,100,All\" data-auto-index=\"off\" data-searching-settings=\"{&quot;columnSearchPosition&quot;:&quot;bottom&quot;,&quot;minChars&quot;:&quot;0&quot;}\" data-lang=\"default\" data-override=\"{&quot;emptyTable&quot;:&quot;&quot;,&quot;info&quot;:&quot;&quot;,&quot;infoEmpty&quot;:&quot;&quot;,&quot;infoFiltered&quot;:&quot;&quot;,&quot;lengthMenu&quot;:&quot;&quot;,&quot;search&quot;:&quot;&quot;,&quot;previous&quot;:&quot;&quot;,&quot;next&quot;:&quot;&quot;,&quot;zeroRecords&quot;:&quot;&quot;,&quot;exportLabel&quot;:&quot;&quot;,&quot;file&quot;:&quot;default&quot;}\" data-merged=\"[]\" data-responsive-mode=\"2\" data-from-history=\"0\" ><thead><tr><th data-cell-id=\"A1\" data-x=\"0\" data-y=\"1\" data-db-index=\"1\" class=\"\" data-cell-type=\"text\" data-original-value=\"Feature\" data-order=\"Feature\" style=\"min-width:33.3333%; width:33.3333%;\" >Feature <\/th><th data-cell-id=\"B1\" data-x=\"1\" data-y=\"1\" data-db-index=\"1\" class=\"\" data-cell-type=\"text\" data-original-value=\"Standard\" data-order=\"Standard\" style=\"min-width:33.3333%; width:33.3333%;\" >Standard <\/th><th data-cell-id=\"C1\" data-x=\"2\" data-y=\"1\" data-db-index=\"1\" class=\"\" data-cell-type=\"text\" data-original-value=\"Premier\" data-order=\"Premier\" style=\"min-width:33.3333%; width:33.3333%;\" >Premier <\/th><\/tr><\/thead><tbody><tr style=\"height:px\" ><td data-cell-id=\"A2\" data-x=\"0\" data-y=\"2\" data-db-index=\"2\" class=\"\" data-cell-type=\"text\" data-original-value=\"Pre-licensing course (state-approved)\" data-order=\"Pre-licensing course (state-approved)\" >Pre-licensing course (state-approved) <\/td><td data-cell-id=\"B2\" data-x=\"1\" data-y=\"2\" data-db-index=\"2\" class=\"\" data-cell-type=\"text\" data-original-value=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" data-order=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png\" class=\"stbSkipLazy alignnone size-full\" width=\"40\" height=\"40\" \/><\/td><td data-cell-id=\"C2\" data-x=\"2\" data-y=\"2\" data-db-index=\"2\" class=\"\" data-cell-type=\"text\" data-original-value=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" data-order=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png\" class=\"stbSkipLazy alignnone size-full\" width=\"40\" height=\"40\" \/><\/td><\/tr><tr style=\"height:px\" ><td data-cell-id=\"A3\" data-x=\"0\" data-y=\"3\" data-db-index=\"3\" class=\"\" data-cell-type=\"text\" data-original-value=\"Prep Review course (condensed content)\" data-order=\"Prep Review course (condensed content)\" >Prep Review course (condensed content) <\/td><td data-cell-id=\"B3\" data-x=\"1\" data-y=\"3\" data-db-index=\"3\" class=\"\" data-cell-type=\"text\" data-original-value=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" data-order=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png\" class=\"stbSkipLazy alignnone size-full\" width=\"40\" height=\"40\" \/><\/td><td data-cell-id=\"C3\" data-x=\"2\" data-y=\"3\" data-db-index=\"3\" class=\"\" data-cell-type=\"text\" data-original-value=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" data-order=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png\" class=\"stbSkipLazy alignnone size-full\" width=\"40\" height=\"40\" \/><\/td><\/tr><tr style=\"height:px\" ><td data-cell-id=\"A4\" data-x=\"0\" data-y=\"4\" data-db-index=\"4\" class=\"\" data-cell-type=\"text\" data-original-value=\"Exam simulator (3 full-length exams)\" data-order=\"Exam simulator (3 full-length exams)\" >Exam simulator (3 full-length exams) <\/td><td data-cell-id=\"B4\" data-x=\"1\" data-y=\"4\" data-db-index=\"4\" class=\"\" data-cell-type=\"text\" data-original-value=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" data-order=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png\" class=\"stbSkipLazy alignnone size-full\" width=\"40\" height=\"40\" \/><\/td><td data-cell-id=\"C4\" data-x=\"2\" data-y=\"4\" data-db-index=\"4\" class=\"\" data-cell-type=\"text\" data-original-value=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" data-order=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png\" class=\"stbSkipLazy alignnone size-full\" width=\"40\" height=\"40\" \/><\/td><\/tr><tr style=\"height:px\" ><td data-cell-id=\"A5\" data-x=\"0\" data-y=\"5\" data-db-index=\"5\" class=\"\" data-cell-type=\"text\" data-original-value=\"Unlimited exam retakes\" data-order=\"Unlimited exam retakes\" >Unlimited exam retakes <\/td><td data-cell-id=\"B5\" data-x=\"1\" data-y=\"5\" data-db-index=\"5\" class=\"\" data-cell-type=\"text\" data-original-value=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" data-order=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png\" class=\"stbSkipLazy alignnone size-full\" width=\"40\" height=\"40\" \/><\/td><td data-cell-id=\"C5\" data-x=\"2\" data-y=\"5\" data-db-index=\"5\" class=\"\" data-cell-type=\"text\" data-original-value=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" data-order=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png\" class=\"stbSkipLazy alignnone size-full\" width=\"40\" height=\"40\" \/><\/td><\/tr><tr style=\"height:px\" ><td data-cell-id=\"A6\" data-x=\"0\" data-y=\"6\" data-db-index=\"6\" class=\"\" data-cell-type=\"text\" data-original-value=\"30-day access per course segment\" data-order=\"30-day access per course segment\" >30-day access per course segment <\/td><td data-cell-id=\"B6\" data-x=\"1\" data-y=\"6\" data-db-index=\"6\" class=\"\" data-cell-type=\"text\" data-original-value=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" data-order=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png\" class=\"stbSkipLazy alignnone size-full\" width=\"40\" height=\"40\" \/><\/td><td data-cell-id=\"C6\" data-x=\"2\" data-y=\"6\" data-db-index=\"6\" class=\"\" data-cell-type=\"text\" data-original-value=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" data-order=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png\" class=\"stbSkipLazy alignnone size-full\" width=\"40\" height=\"40\" \/><\/td><\/tr><tr style=\"height:px\" ><td data-cell-id=\"A7\" data-x=\"0\" data-y=\"7\" data-db-index=\"7\" class=\"\" data-cell-type=\"text\" data-original-value=\"800+ digital flashcards\" data-order=\"800+ digital flashcards\" >800+ digital flashcards <\/td><td data-cell-id=\"B7\" data-x=\"1\" data-y=\"7\" data-db-index=\"7\" class=\"\" data-cell-type=\"text\" data-original-value=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/crossmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" data-order=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/crossmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/crossmark-table.png\" class=\"stbSkipLazy alignnone size-full\" width=\"40\" height=\"40\" \/><\/td><td data-cell-id=\"C7\" data-x=\"2\" data-y=\"7\" data-db-index=\"7\" class=\"\" data-cell-type=\"text\" data-original-value=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" data-order=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png\" class=\"stbSkipLazy alignnone size-full\" width=\"40\" height=\"40\" \/><\/td><\/tr><tr style=\"height:px\" ><td data-cell-id=\"A8\" data-x=\"0\" data-y=\"8\" data-db-index=\"8\" class=\"\" data-cell-type=\"text\" data-original-value=\"Recorded livestream review class\" data-order=\"Recorded livestream review class\" >Recorded livestream review class <\/td><td data-cell-id=\"B8\" data-x=\"1\" data-y=\"8\" data-db-index=\"8\" class=\"\" data-cell-type=\"text\" data-original-value=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/crossmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" data-order=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/crossmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/crossmark-table.png\" class=\"stbSkipLazy alignnone size-full\" width=\"40\" height=\"40\" \/><\/td><td data-cell-id=\"C8\" data-x=\"2\" data-y=\"8\" data-db-index=\"8\" class=\"\" data-cell-type=\"text\" data-original-value=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" data-order=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png\" class=\"stbSkipLazy alignnone size-full\" width=\"40\" height=\"40\" \/><\/td><\/tr><tr style=\"height:px\" ><td data-cell-id=\"A9\" data-x=\"0\" data-y=\"9\" data-db-index=\"9\" class=\"\" data-cell-type=\"text\" data-original-value=\"Prepared to Pass Promise (full refund)\" data-order=\"Prepared to Pass Promise (full refund)\" >Prepared to Pass Promise (full refund) <\/td><td data-cell-id=\"B9\" data-x=\"1\" data-y=\"9\" data-db-index=\"9\" class=\"\" data-cell-type=\"text\" data-original-value=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/crossmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" data-order=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/crossmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/crossmark-table.png\" class=\"stbSkipLazy alignnone size-full\" width=\"40\" height=\"40\" \/><\/td><td data-cell-id=\"C9\" data-x=\"2\" data-y=\"9\" data-db-index=\"9\" class=\"\" data-cell-type=\"text\" data-original-value=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" data-order=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png\" class=\"stbSkipLazy alignnone size-full\" width=\"40\" height=\"40\" \/><\/td><\/tr><tr style=\"height:px\" ><td data-cell-id=\"A10\" data-x=\"0\" data-y=\"10\" data-db-index=\"10\" class=\"\" data-cell-type=\"text\" data-original-value=\"Price\" data-order=\"Price\" >Price <\/td><td data-cell-id=\"B10\" data-x=\"1\" data-y=\"10\" data-db-index=\"10\" class=\"\" data-cell-type=\"text\" data-original-value=\"$299\" data-order=\"$299\" >$299 <\/td><td data-cell-id=\"C10\" data-x=\"2\" data-y=\"10\" data-db-index=\"10\" class=\"\" data-cell-type=\"text\" data-original-value=\"$199\" data-order=\"$199\" >$199 <\/td><\/tr><tr style=\"height:px\" ><td data-cell-id=\"A11\" data-x=\"0\" data-y=\"11\" data-db-index=\"11\" class=\"\" data-cell-type=\"text\" data-original-value=\"Get Started\" data-order=\"Get Started\" >Get Started <\/td><td data-cell-id=\"B11\" data-x=\"1\" data-y=\"11\" data-db-index=\"11\" class=\"\" data-cell-type=\"text\" data-original-value=\"&lt;a href=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/recommends\/xcel-institute-training\/xcel-institute-training\/&quot; target=&quot;_self&quot;&gt;Get Standard&lt;\/a&gt;\" data-order=\"&lt;a href=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/recommends\/xcel-institute-training\/xcel-institute-training\/&quot; target=&quot;_self&quot;&gt;Get Standard&lt;\/a&gt;\" ><a href=\"https:\/\/www.charlotteobserver.com\/careers-education\/recommends\/xcel-institute-training\/xcel-institute-training\/\" target=\"_self\">Get Standard<\/a><\/td><td data-cell-id=\"C11\" data-x=\"2\" data-y=\"11\" data-db-index=\"11\" class=\"\" data-cell-type=\"text\" data-original-value=\"&lt;a href=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/recommends\/xcel-institute-training\/xcel-institute-training\/&quot; target=&quot;_self&quot;&gt;Get Premier&lt;\/a&gt;\" data-order=\"&lt;a href=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/recommends\/xcel-institute-training\/xcel-institute-training\/&quot; target=&quot;_self&quot;&gt;Get Premier&lt;\/a&gt;\" ><a href=\"https:\/\/www.charlotteobserver.com\/careers-education\/recommends\/xcel-institute-training\/xcel-institute-training\/\" target=\"_self\">Get Premier<\/a><\/td><\/tr><\/tbody><\/table><!-- \/#supsystic-table-105.supsystic-table --><\/div><!-- \/.supsystic-tables-wrap --><!-- Tables Generator by Supsystic --><!-- Version:1.11.2 --><!-- http:\/\/supsystic.com\/ --><a title=\"WordPress Data Table Plugin\" style=\"display:none;\" href=\"https:\/\/supsystic.com\/plugins\/wordpress-data-table-plugin\/?utm_medium=love_link\" target=\"_blank\">WordPress Data Table Plugin<\/a> <h2 class=\"wp-block-heading\" id=\"h-course-discounts\">Course Discounts<\/h2> <p class=\"wp-block-paragraph\"><a class=\"cs_botton_no_discounts\" href=\"javascript:void(0)\" rel=\"nofollow\" style=\"color:; text-decoration:none\">No Discounts<\/a> If you\u2019re planning to enroll, check for current promotions before you do. XCEL often runs limited-time discounts on its Premier packages across license types.<\/p> <div class=\"coupon-container discountcode_func_stores_taxonomywise\"><input value=\"https:\/\/www.charlotteobserver.com\/careers-education\/xcel-solutions-review\/\" name=\"cpageurl_hidden\" id=\"cpageurl\" type=\"hidden\"><div class='coupon_code_list_outer other_sc test2'><div class='coupon_code_list cvf_universal_container'><div class='ajax_loader_sort' style='display:none;'><\/div><div id='coupon_search_results' class='coupon_search_results'><input type='hidden' id='hidden_term' value='xcel-institute-training'><\/div><\/div><\/div><\/div> <h2 class=\"wp-block-heading\" id=\"h-course-offerings\">Course Offerings<\/h2> <h3 class=\"wp-block-heading\" id=\"h-how-the-course-works\">How the Course Works<\/h3> <p class=\"wp-block-paragraph\">Everything with XCEL is fully online and self-paced. No classrooms, no live Zooms. Just a clean course you can work through when it fits your schedule. I clicked into the Life and Health track, and the layout made it easy to pick up right where I left off. You won\u2019t get lost trying to find the next lesson.<\/p> <p class=\"wp-block-paragraph\">Each course (Life and Health, P&amp;C, or Personal Lines) comes with:<\/p> <ul class=\"wp-block-list\"> <li>A structured core course that satisfies state requirements<\/li> <li>A review module built around your actual state exam outline<\/li> <li>Three practice exams with unlimited tries<\/li> <\/ul> <p class=\"wp-block-paragraph\">If you choose the Premier package, you\u2019ll also receive over 800 digital flashcards and a recorded livestream review that you can rewatch at any time.<\/p> <p class=\"wp-block-paragraph\">One thing worth mentioning is Rubi, which is an integral part of the course. It acts like a study assistant when you need help making sense of a term, rule, or policy concept that isn\u2019t clicking right away. <\/p> <p class=\"wp-block-paragraph\">I liked it most for those small moments where I didn\u2019t need a full support ticket, I just needed a clear answer so I could keep working. <\/p> <p class=\"wp-block-paragraph\">That makes XCEL feel a little more responsive than a standard self-paced course, especially for first-time insurance students who may be seeing this material for the first time.<\/p> <h3 class=\"wp-block-heading\" id=\"h-video-content-and-navigation\">Video Content and Navigation<\/h3> <figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"640\" src=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2025\/07\/XCEL-Insurance-Training-Review-info3-1024x640.png\" alt=\"\" class=\"wp-image-5106\" srcset=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2025\/07\/XCEL-Insurance-Training-Review-info3-1024x640.png 1024w, https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2025\/07\/XCEL-Insurance-Training-Review-info3-300x188.png 300w, https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2025\/07\/XCEL-Insurance-Training-Review-info3-768x480.png 768w, https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2025\/07\/XCEL-Insurance-Training-Review-info3-150x94.png 150w, https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2025\/07\/XCEL-Insurance-Training-Review-info3-1536x960.png 1536w, https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2025\/07\/XCEL-Insurance-Training-Review-info3-scaled.png 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure> <p class=\"wp-block-paragraph\">The interface is simple\u2014almost minimal, which I appreciated. It loads quickly, works well on mobile, and everything\u2019s clearly labeled. Most videos are under 10 minutes, which makes it easier to stay focused without zoning out. I liked that you could take notes directly in the platform, and the next video autoplays if you want to keep going without clicking around.<\/p> <p class=\"wp-block-paragraph\">I also noticed the videos had closed captioning, which came in handy when I forgot my headphones but still wanted to follow along. It\u2019s small stuff, but it adds up when you\u2019re trying to knock out multiple lessons in one sitting.<\/p> <p class=\"wp-block-paragraph\">This setup works well if your learning style leans visual. And since the platform is built by XCEL Solutions, it keeps the tech side smooth while delivering the standardized knowledge you\u2019ll need for your insurance license exam.<\/p> <h3 class=\"wp-block-heading\" id=\"h-what-you-re-really-getting\">What You\u2019re Really Getting<\/h3> <p class=\"wp-block-paragraph\">This isn\u2019t one of those bloated courses with extra fluff. XCEL Testing Solutions sticks to what matters: passing your state exam. The course is built around pre-licensing requirements, and every module ties directly into what you\u2019ll face on test day.<\/p> <p class=\"wp-block-paragraph\">The Premier package adds real value with study tools like flashcards, assessment exams, and a \u201cPrepared to Pass\u201d guarantee that refunds your fee if you don\u2019t pass on the first try. For students entering the insurance and securities licensing world, that extra peace of mind goes a long way.<\/p> <p class=\"wp-block-paragraph\">I tried out the flashcards and found them surprisingly effective\u2014they\u2019re fast to flip through, and they\u2019re organized in a way that helped reinforce key concepts I\u2019d just reviewed. Perfect for those in-between moments when you want a quick refresher.<\/p> <h3 class=\"wp-block-heading\" id=\"h-availability-and-assistance\">Availability and Assistance<\/h3> <p class=\"wp-block-paragraph\">You get 30 days of access for each phase of the course: the main training, the condensed review, and the exam simulator. That means plenty of time to review the material, take practice exams, and get exam-ready without cramming.<\/p> <p class=\"wp-block-paragraph\">Support is available through email and chat if you run into any issues, though I didn\u2019t experience any customer service problems myself. That said, some users have reported delays. One <a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/www.reddit.com\/r\/InsuranceAgent\/comments\/1i63n91\/comment\/m89j2w6\/?utm_source=share&amp;utm_medium=web3x&amp;utm_name=web3xcss&amp;utm_term=1&amp;utm_content=share_button\">Reddit user<\/a> shared: \u201cCall their customer support. I found the website to be super buggy. I kept emailing them for issues and didn\u2019t get responses. It\u2019s better to call.\u201d<\/p> <p class=\"wp-block-paragraph\">There\u2019s no live tutoring or around-the-clock support team, but the help that is available generally covers what most students need. It\u2019s a streamlined approach that works well if you prefer to study independently and don\u2019t expect a lot of hand-holding.<\/p> <h2 class=\"wp-block-heading\" id=\"h-course-competitors\">Course Competitors<\/h2> <style type=\"text\/css\" id=\"supsystic-table-106_20141-css\">\/* Here you can add custom CSS for the current table *\/ \/* Lean more about CSS: https:\/\/en.wikipedia.org\/wiki\/Cascading_Style_Sheets *\/ \/* To prevent the use of styles to other tables use \"#supsystic-table-106\" as a base selector for example: #supsystic-table-106 { ... } #supsystic-table-106 tbody { ... } #supsystic-table-106 tbody tr { ... } *\/ span.discount { margin-top: 6px; display: inline-block; float: left; font-weight: 400; width: 100%; font-size: 12px; } .supsystic-tables-wrap thead th { font-size: 16px; } .supsystic-table tr:nth-child(1) th a:nth-child(3) { background: #1873cd; border: 1px solid #1873cd; } .supsystic-table tr:nth-child(1) th a:nth-child(4) { background: #1873cd; border: 1px solid #1873cd; } \/*.supsystic-table tr:nth-child(1) th {*\/ \/* padding: 65px 10px 20px;*\/ \/* position: relative;*\/ \/*}*\/ .supsystic-table tr:nth-child(1) th .editor_block:nth-child(1) { background: #32cd32; color: #fff; font-size: 14px; position: absolute; padding: 10px 0px; margin-bottom: 20px; top: 0px; left: 0; right: 0; } li.coupon_dis { list-style: none; } .dataTables_scrollBody .editor_block { display: none; } .editor_block::after { content: \"\"; position: absolute; left: 0; right: 0; margin: auto; height: 10px; width: 10px; background: #32cd32; top: 35px; transform: rotate(45deg); } .supsystic-table tr:nth-child(1) a:nth-child(4), .supsystic-table tr:nth-child(1) a.external { color: #fff; padding: 4px 12px; width: 70%; border-radius: 50px; font-size: 9px; margin-top: 10px; display: inline-block; margin-bottom: 12px; } .supsystic-table thead th img { width: 200px; margin: 0 auto; display: block; } .supsystic-table tbody tr:last-child td a { background: #00d084; color: #fff; padding: 10px 10px; border-radius: 10px; font-size: 16px; } .supsystic-table tbody tr:last-child { height: 80px; } .supsystic-table tr:nth-child(1) a:nth-child(3), .supsystic-table tr:nth-child(1) a.external { color: #fff; padding: 4px 12px; width: 70%; border-radius: 50px; font-size: 9px; margin-top: 10px; display: inline-block; margin-bottom: 12px; } table.dataTable.cell-border tbody th, table.dataTable.cell-border tbody td { border-top: 1px solid #ddd; border-right: 1px solid #ddd; } tr:first-child th { background-color: #fff; border: 1px solid #e1e1e1; } th:first-child, td:first-child { font-size: 14px; letter-spacing: normal; line-height: 20px; text-align: left; } .supsystic-table tbody tr td { padding: 12px 10px !important; } td { font-size: 13px; text-align: center; } .supsystic-table tbody tr:first-child td { border-top: 1px solid #dddddd !important; } .dataTables_scrollBody { border: unset !important; } .supsystic-table tbody tr:last-child td { border-bottom: 1px solid #dddddd; } .supsystic-table thead th { border-bottom: unset !important; border-left: unset !important; } .supsystic-table thead tr:first-child th:first-child { border-radius: 12px 0 00; border-left: 1px solid #dddddd !important; } .supsystic-table thead tr th { border: 1px solid #dddddd; } .supsystic-table thead tr:first-child th:last-child { border-radius: 0 12px 0 0; } .supsystic-table thead tr:last-child th:first-child { border-left: 1px solid #dddddd !important; } .supsystic-table tbody tr:last-child td:first-child { border-radius: 0 0 0 12px; } .supsystic-table tbody tr:last-child td:last-child { border-radius: 0 0 12px 0; } @media screen and (max-width: 767px) { .supsystic-table tbody tr:last-child td a { padding: 8px !important; font-size: 11px !important; } } <\/style> <div id=\"supsystic-table-106_20141\" class=\"supsystic-tables-wrap \" style=\" width:100%; visibility: hidden; \" data-table-width-fixed=\"100%\" data-table-width-mobile=\"100%\" ><table id=\"supsystic-table-106\" class=\"supsystic-table border lightboxImg cell-border\" data-id=\"106\" data-view-id=\"106_20141\" data-title=\"XCEL Insurance Training Review Course Competitors\" data-currency-format=\"$1,000.00\" data-percent-format=\"10.00%\" data-date-format=\"DD.MM.YYYY\" data-time-format=\"HH:mm\" data-features=\"[&quot;after_table_loaded_script&quot;]\" data-search-value=\"\" data-lightbox-img=\"\" data-head=\"on\" data-head-rows-count=\"1\" data-pagination-length=\"50,100,All\" data-auto-index=\"off\" data-searching-settings=\"{&quot;columnSearchPosition&quot;:&quot;bottom&quot;,&quot;minChars&quot;:&quot;0&quot;}\" data-lang=\"default\" data-override=\"{&quot;emptyTable&quot;:&quot;&quot;,&quot;info&quot;:&quot;&quot;,&quot;infoEmpty&quot;:&quot;&quot;,&quot;infoFiltered&quot;:&quot;&quot;,&quot;lengthMenu&quot;:&quot;&quot;,&quot;search&quot;:&quot;&quot;,&quot;previous&quot;:&quot;&quot;,&quot;next&quot;:&quot;&quot;,&quot;zeroRecords&quot;:&quot;&quot;,&quot;exportLabel&quot;:&quot;&quot;,&quot;file&quot;:&quot;default&quot;}\" data-merged=\"[]\" data-responsive-mode=\"2\" data-from-history=\"0\" ><thead><tr><th data-cell-id=\"A1\" data-x=\"0\" data-y=\"1\" data-db-index=\"1\" class=\"\" data-cell-type=\"text\" data-original-value=\"Feature\" data-order=\"Feature\" style=\"min-width:25%; width:25%;\" >Feature <\/th><th data-cell-id=\"B1\" data-x=\"1\" data-y=\"1\" data-db-index=\"1\" class=\"\" data-cell-type=\"text\" data-original-value=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2025\/06\/XCEL-2.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;261&quot; height=&quot;261&quot; \/&gt;\" data-order=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2025\/06\/XCEL-2.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;261&quot; height=&quot;261&quot; \/&gt;\" style=\"min-width:25%; width:25%;\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2025\/06\/XCEL-2.png\" class=\"stbSkipLazy alignnone size-full\" width=\"261\" height=\"261\" \/><\/th><th data-cell-id=\"C1\" data-x=\"2\" data-y=\"1\" data-db-index=\"1\" class=\"\" data-cell-type=\"text\" data-original-value=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/11\/ExamFX-logo.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;250&quot; height=&quot;250&quot; \/&gt;\" data-order=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/11\/ExamFX-logo.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;250&quot; height=&quot;250&quot; \/&gt;\" style=\"min-width:25%; width:25%;\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/11\/ExamFX-logo.png\" class=\"stbSkipLazy alignnone size-full\" width=\"250\" height=\"250\" \/><\/th><th data-cell-id=\"D1\" data-x=\"3\" data-y=\"1\" data-db-index=\"1\" class=\"\" data-cell-type=\"text\" data-original-value=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/11\/Kaplan.jpg&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;280&quot; height=&quot;280&quot; \/&gt;\" data-order=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/11\/Kaplan.jpg&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;280&quot; height=&quot;280&quot; \/&gt;\" style=\"min-width:25%; width:25%;\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/11\/Kaplan.jpg\" class=\"stbSkipLazy alignnone size-full\" width=\"280\" height=\"280\" \/><\/th><\/tr><\/thead><tbody><tr style=\"height:px\" ><td data-cell-id=\"A2\" data-x=\"0\" data-y=\"2\" data-db-index=\"2\" class=\"\" data-cell-type=\"text\" data-original-value=\"Course Format\" data-order=\"Course Format\" >Course Format <\/td><td data-cell-id=\"B2\" data-x=\"1\" data-y=\"2\" data-db-index=\"2\" class=\"\" data-cell-type=\"text\" data-original-value=\"100% online, self-paced\" data-order=\"100% online, self-paced\" >100% online, self-paced <\/td><td data-cell-id=\"C2\" data-x=\"2\" data-y=\"2\" data-db-index=\"2\" class=\"\" data-cell-type=\"text\" data-original-value=\"Self-paced + live online options\" data-order=\"Self-paced + live online options\" >Self-paced + live online options <\/td><td data-cell-id=\"D2\" data-x=\"3\" data-y=\"2\" data-db-index=\"2\" class=\"\" data-cell-type=\"text\" data-original-value=\"Self-paced + scheduled live sessions\" data-order=\"Self-paced + scheduled live sessions\" >Self-paced + scheduled live sessions <\/td><\/tr><tr style=\"height:px\" ><td data-cell-id=\"A3\" data-x=\"0\" data-y=\"3\" data-db-index=\"3\" class=\"\" data-cell-type=\"text\" data-original-value=\"Instructor Support\" data-order=\"Instructor Support\" >Instructor Support <\/td><td data-cell-id=\"B3\" data-x=\"1\" data-y=\"3\" data-db-index=\"3\" class=\"\" data-cell-type=\"text\" data-original-value=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/crossmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" data-order=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/crossmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/crossmark-table.png\" class=\"stbSkipLazy alignnone size-full\" width=\"40\" height=\"40\" \/><\/td><td data-cell-id=\"C3\" data-x=\"2\" data-y=\"3\" data-db-index=\"3\" class=\"\" data-cell-type=\"text\" data-original-value=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;&lt;\/br&gt;(webinars, live chat)\" data-order=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;&lt;\/br&gt;(webinars, live chat)\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png\" class=\"stbSkipLazy alignnone size-full\" width=\"40\" height=\"40\" \/><\/br>(webinars, live chat) <\/td><td data-cell-id=\"D3\" data-x=\"3\" data-y=\"3\" data-db-index=\"3\" class=\"\" data-cell-type=\"text\" data-original-value=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;&lt;\/br&gt;(instructors, forums)\" data-order=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;&lt;\/br&gt;(instructors, forums)\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png\" class=\"stbSkipLazy alignnone size-full\" width=\"40\" height=\"40\" \/><\/br>(instructors, forums) <\/td><\/tr><tr style=\"height:px\" ><td data-cell-id=\"A4\" data-x=\"0\" data-y=\"4\" data-db-index=\"4\" class=\"\" data-cell-type=\"text\" data-original-value=\"Flashcards\" data-order=\"Flashcards\" >Flashcards <\/td><td data-cell-id=\"B4\" data-x=\"1\" data-y=\"4\" data-db-index=\"4\" class=\"\" data-cell-type=\"text\" data-original-value=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;&lt;\/br&gt;(Premier only)\" data-order=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;&lt;\/br&gt;(Premier only)\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png\" class=\"stbSkipLazy alignnone size-full\" width=\"40\" height=\"40\" \/><\/br>(Premier only) <\/td><td data-cell-id=\"C4\" data-x=\"2\" data-y=\"4\" data-db-index=\"4\" class=\"\" data-cell-type=\"text\" data-original-value=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;&lt;\/br&gt;(included)\" data-order=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;&lt;\/br&gt;(included)\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png\" class=\"stbSkipLazy alignnone size-full\" width=\"40\" height=\"40\" \/><\/br>(included) <\/td><td data-cell-id=\"D4\" data-x=\"3\" data-y=\"4\" data-db-index=\"4\" class=\"\" data-cell-type=\"text\" data-original-value=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;&lt;\/br&gt;(printed or digital)\" data-order=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;&lt;\/br&gt;(printed or digital)\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png\" class=\"stbSkipLazy alignnone size-full\" width=\"40\" height=\"40\" \/><\/br>(printed or digital) <\/td><\/tr><tr style=\"height:px\" ><td data-cell-id=\"A5\" data-x=\"0\" data-y=\"5\" data-db-index=\"5\" class=\"\" data-cell-type=\"text\" data-original-value=\"Video Lessons\" data-order=\"Video Lessons\" >Video Lessons <\/td><td data-cell-id=\"B5\" data-x=\"1\" data-y=\"5\" data-db-index=\"5\" class=\"\" data-cell-type=\"text\" data-original-value=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" data-order=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png\" class=\"stbSkipLazy alignnone size-full\" width=\"40\" height=\"40\" \/><\/td><td data-cell-id=\"C5\" data-x=\"2\" data-y=\"5\" data-db-index=\"5\" class=\"\" data-cell-type=\"text\" data-original-value=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" data-order=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png\" class=\"stbSkipLazy alignnone size-full\" width=\"40\" height=\"40\" \/><\/td><td data-cell-id=\"D5\" data-x=\"3\" data-y=\"5\" data-db-index=\"5\" class=\"\" data-cell-type=\"text\" data-original-value=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" data-order=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png\" class=\"stbSkipLazy alignnone size-full\" width=\"40\" height=\"40\" \/><\/td><\/tr><tr style=\"height:px\" ><td data-cell-id=\"A6\" data-x=\"0\" data-y=\"6\" data-db-index=\"6\" class=\"\" data-cell-type=\"text\" data-original-value=\"Mobile Access\" data-order=\"Mobile Access\" >Mobile Access <\/td><td data-cell-id=\"B6\" data-x=\"1\" data-y=\"6\" data-db-index=\"6\" class=\"\" data-cell-type=\"text\" data-original-value=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" data-order=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png\" class=\"stbSkipLazy alignnone size-full\" width=\"40\" height=\"40\" \/><\/td><td data-cell-id=\"C6\" data-x=\"2\" data-y=\"6\" data-db-index=\"6\" class=\"\" data-cell-type=\"text\" data-original-value=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" data-order=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png\" class=\"stbSkipLazy alignnone size-full\" width=\"40\" height=\"40\" \/><\/td><td data-cell-id=\"D6\" data-x=\"3\" data-y=\"6\" data-db-index=\"6\" class=\"\" data-cell-type=\"text\" data-original-value=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" data-order=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png\" class=\"stbSkipLazy alignnone size-full\" width=\"40\" height=\"40\" \/><\/td><\/tr><tr style=\"height:px\" ><td data-cell-id=\"A7\" data-x=\"0\" data-y=\"7\" data-db-index=\"7\" class=\"\" data-cell-type=\"text\" data-original-value=\"Custom Study Plans\" data-order=\"Custom Study Plans\" >Custom Study Plans <\/td><td data-cell-id=\"B7\" data-x=\"1\" data-y=\"7\" data-db-index=\"7\" class=\"\" data-cell-type=\"text\" data-original-value=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/crossmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" data-order=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/crossmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/crossmark-table.png\" class=\"stbSkipLazy alignnone size-full\" width=\"40\" height=\"40\" \/><\/td><td data-cell-id=\"C7\" data-x=\"2\" data-y=\"7\" data-db-index=\"7\" class=\"\" data-cell-type=\"text\" data-original-value=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" data-order=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png\" class=\"stbSkipLazy alignnone size-full\" width=\"40\" height=\"40\" \/><\/td><td data-cell-id=\"D7\" data-x=\"3\" data-y=\"7\" data-db-index=\"7\" class=\"\" data-cell-type=\"text\" data-original-value=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" data-order=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png\" class=\"stbSkipLazy alignnone size-full\" width=\"40\" height=\"40\" \/><\/td><\/tr><tr style=\"height:px\" ><td data-cell-id=\"A8\" data-x=\"0\" data-y=\"8\" data-db-index=\"8\" class=\"\" data-cell-type=\"text\" data-original-value=\"Guarantee\/Pass Promise\" data-order=\"Guarantee\/Pass Promise\" >Guarantee\/Pass Promise <\/td><td data-cell-id=\"B8\" data-x=\"1\" data-y=\"8\" data-db-index=\"8\" class=\"\" data-cell-type=\"text\" data-original-value=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;&lt;\/br&gt;(Premier only)\" data-order=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;&lt;\/br&gt;(Premier only)\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png\" class=\"stbSkipLazy alignnone size-full\" width=\"40\" height=\"40\" \/><\/br>(Premier only) <\/td><td data-cell-id=\"C8\" data-x=\"2\" data-y=\"8\" data-db-index=\"8\" class=\"\" data-cell-type=\"text\" data-original-value=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;&lt;\/br&gt;Guarantee Exam)\" data-order=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;&lt;\/br&gt;Guarantee Exam)\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png\" class=\"stbSkipLazy alignnone size-full\" width=\"40\" height=\"40\" \/><\/br>Guarantee Exam) <\/td><td data-cell-id=\"D8\" data-x=\"3\" data-y=\"8\" data-db-index=\"8\" class=\"\" data-cell-type=\"text\" data-original-value=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/crossmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" data-order=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/crossmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/crossmark-table.png\" class=\"stbSkipLazy alignnone size-full\" width=\"40\" height=\"40\" \/><\/td><\/tr><tr style=\"height:px\" ><td data-cell-id=\"A9\" data-x=\"0\" data-y=\"9\" data-db-index=\"9\" class=\"\" data-cell-type=\"text\" data-original-value=\"Exam Simulators\" data-order=\"Exam Simulators\" >Exam Simulators <\/td><td data-cell-id=\"B9\" data-x=\"1\" data-y=\"9\" data-db-index=\"9\" class=\"\" data-cell-type=\"text\" data-original-value=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;&lt;\/br&gt;(3, unlimited retakes)\" data-order=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;&lt;\/br&gt;(3, unlimited retakes)\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png\" class=\"stbSkipLazy alignnone size-full\" width=\"40\" height=\"40\" \/><\/br>(3, unlimited retakes) <\/td><td data-cell-id=\"C9\" data-x=\"2\" data-y=\"9\" data-db-index=\"9\" class=\"\" data-cell-type=\"text\" data-original-value=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;&lt;\/br&gt;(varies by package)\" data-order=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;&lt;\/br&gt;(varies by package)\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png\" class=\"stbSkipLazy alignnone size-full\" width=\"40\" height=\"40\" \/><\/br>(varies by package) <\/td><td data-cell-id=\"D9\" data-x=\"3\" data-y=\"9\" data-db-index=\"9\" class=\"\" data-cell-type=\"text\" data-original-value=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;&lt;\/br&gt;(varies by package)\" data-order=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;&lt;\/br&gt;(varies by package)\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png\" class=\"stbSkipLazy alignnone size-full\" width=\"40\" height=\"40\" \/><\/br>(varies by package) <\/td><\/tr><tr style=\"height:px\" ><td data-cell-id=\"A10\" data-x=\"0\" data-y=\"10\" data-db-index=\"10\" class=\"\" data-cell-type=\"text\" data-original-value=\"Printed Study Materials\" data-order=\"Printed Study Materials\" >Printed Study Materials <\/td><td data-cell-id=\"B10\" data-x=\"1\" data-y=\"10\" data-db-index=\"10\" class=\"\" data-cell-type=\"text\" data-original-value=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/crossmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" data-order=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/crossmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/crossmark-table.png\" class=\"stbSkipLazy alignnone size-full\" width=\"40\" height=\"40\" \/><\/td><td data-cell-id=\"C10\" data-x=\"2\" data-y=\"10\" data-db-index=\"10\" class=\"\" data-cell-type=\"text\" data-original-value=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/crossmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" data-order=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/crossmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/crossmark-table.png\" class=\"stbSkipLazy alignnone size-full\" width=\"40\" height=\"40\" \/><\/td><td data-cell-id=\"D10\" data-x=\"3\" data-y=\"10\" data-db-index=\"10\" class=\"\" data-cell-type=\"text\" data-original-value=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;&lt;\/br&gt;(included or optional)\" data-order=\"&lt;img src=&quot;https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png&quot; class=&quot;stbSkipLazy alignnone size-full&quot; width=&quot;40&quot; height=&quot;40&quot; \/&gt;&lt;\/br&gt;(included or optional)\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.charlotteobserver.com\/careers-education\/wp-content\/uploads\/sites\/8\/2024\/12\/checkmark-table.png\" class=\"stbSkipLazy alignnone size-full\" width=\"40\" height=\"40\" \/><\/br>(included or optional) <\/td><\/tr><tr style=\"height:px\" ><td data-cell-id=\"A11\" data-x=\"0\" data-y=\"11\" data-db-index=\"11\" class=\"\" data-cell-type=\"text\" data-original-value=\"Learn More\" data-order=\"Learn More\" >Learn More <\/td><td data-cell-id=\"B11\" data-x=\"1\" data-y=\"11\" data-db-index=\"11\" class=\"\" data-cell-type=\"text\" data-original-value=\"&lt;a href=&quot;https:\/\/www.xcelsolutions.com&quot; target=&quot;_self&quot;&gt;Visit XCEL&lt;\/a&gt;\" data-order=\"&lt;a href=&quot;https:\/\/www.xcelsolutions.com&quot; target=&quot;_self&quot;&gt;Visit XCEL&lt;\/a&gt;\" ><a href=\"https:\/\/www.xcelsolutions.com\" target=\"_self\">Visit XCEL<\/a><\/td><td data-cell-id=\"C11\" data-x=\"2\" data-y=\"11\" data-db-index=\"11\" class=\"\" data-cell-type=\"text\" data-original-value=\"&lt;a href=&quot;https:\/\/www.examfx.com\/insurance-prelicensing-training&quot; target=&quot;_self&quot;&gt;Visit ExamFX&lt;\/a&gt;\" data-order=\"&lt;a href=&quot;https:\/\/www.examfx.com\/insurance-prelicensing-training&quot; target=&quot;_self&quot;&gt;Visit ExamFX&lt;\/a&gt;\" ><a href=\"https:\/\/www.examfx.com\/insurance-prelicensing-training\" target=\"_self\">Visit ExamFX<\/a><\/td><td data-cell-id=\"D11\" data-x=\"3\" data-y=\"11\" data-db-index=\"11\" class=\"\" data-cell-type=\"text\" data-original-value=\"&lt;a href=&quot;https:\/\/www.kaplanfinancial.com\/insurance&quot; target=&quot;_self&quot;&gt;Visit Kaplan&lt;\/a&gt;\" data-order=\"&lt;a href=&quot;https:\/\/www.kaplanfinancial.com\/insurance&quot; target=&quot;_self&quot;&gt;Visit Kaplan&lt;\/a&gt;\" ><a href=\"https:\/\/www.kaplanfinancial.com\/insurance\" target=\"_self\">Visit Kaplan<\/a><\/td><\/tr><\/tbody><\/table><!-- \/#supsystic-table-106.supsystic-table --><\/div><!-- \/.supsystic-tables-wrap --><!-- Tables Generator by Supsystic --><!-- Version:1.11.2 --><!-- http:\/\/supsystic.com\/ --><a title=\"WordPress Data Table Plugin\" style=\"display:none;\" href=\"https:\/\/supsystic.com\/plugins\/wordpress-data-table-plugin\/?utm_medium=love_link\" target=\"_blank\">WordPress Data Table Plugin<\/a> <h3 class=\"wp-block-heading\" id=\"h-xcel-vs-examfx\">XCEL vs ExamFX<\/h3> <p class=\"wp-block-paragraph\">XCEL and ExamFX are both popular for insurance licensing, but they serve different styles of learners. XCEL is more streamlined, with a self-paced format, clear progression, and built-in structure that keeps you focused. There are no live classes or one-on-one options, which keeps distractions low and the price reasonable. If you like learning independently and prefer clean design, XCEL hits that sweet spot.<\/p> <p class=\"wp-block-paragraph\">ExamFX, on the other hand, offers more flexibility with live online training, customizable study plans, and simulated exams. Their Guarantee Exam feature is a strong accountability tool for test readiness. Choose ExamFX if you need more personalized guidance or prefer instructor interaction. Pick XCEL if you want a clear, no-frills study experience that gets the job done efficiently.<\/p> <h3 class=\"wp-block-heading\" id=\"h-xcel-vs-kaplan\">XCEL vs Kaplan<\/h3> <p class=\"wp-block-paragraph\">Kaplan is one of the most well-known names in test prep, and their insurance courses reflect that. Their platform includes robust printed materials, scheduled classes, and instructor support\u2014great for learners who want structure and hand-holding. But with that comes a slightly steeper learning curve and more time commitment.<\/p> <p class=\"wp-block-paragraph\">XCEL, by contrast, is lean and focused. It\u2019s better suited for busy learners who want a simplified course layout and tools like flashcards, video reviews, and timed exam simulations to stay on track. Choose Kaplan if you want more academic-style support. Choose XCEL if you want to work on your own time and pass efficiently.<\/p> <div class=\"bottom-line\"> <h3>Bottom Line<\/h3> <p>XCEL doesn\u2019t try to do too much\u2014and that\u2019s what makes it work. I liked that I could log in, pick up where I left off, and not get bogged down with a bunch of extra clicks or clutter. It\u2019s built for people who want to study on their own time and move through the material without distractions (and Rubi AI is a major help in that department). If you\u2019re looking for something that\u2019s easy to follow and gets straight to the point, this is a solid pick.<\/p> <p>That said, if you prefer live classes or more hands-on support, a course like ExamFX may be worth checking out. But for independent learners who want something clean, mobile-friendly, and structured for first-time passers? XCEL does the job.<\/p> <\/div> <h2 class=\"wp-block-heading\" id=\"h-faqs\">FAQs<\/h2> <div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1752826606607\"><strong class=\"schema-faq-question\"><strong>What topics are covered on the insurance licensing exam?<\/strong><\/strong> <p class=\"schema-faq-answer\">The exam typically includes questions on insurance regulations, policy provisions, underwriting, claims processing, and ethics. Specific content may vary by state.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1752826610871\"><strong class=\"schema-faq-question\"><strong>How many questions are on the exam?<\/strong><\/strong> <p class=\"schema-faq-answer\">The number of questions varies by state and license type. For example, the Life and Health Insurance exam may have between 100 to 150 questions.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1752826614935\"><strong class=\"schema-faq-question\"><strong>What is the passing score?<\/strong><\/strong> <p class=\"schema-faq-answer\">Most states require a minimum score of 70% to pass the insurance licensing exam.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1752826618871\"><strong class=\"schema-faq-question\"><strong>Is XCEL approved for North Carolina licensing?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes, XCEL offers state-approved pre-licensing courses for Life, Health, Property, and Casualty insurance in North Carolina.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1752826624529\"><strong class=\"schema-faq-question\"><strong>What\u2019s included in XCEL\u2019s Premier package?<\/strong><\/strong> <p class=\"schema-faq-answer\">The Premier package includes additional study tools such as flashcards, a recorded review class, and a pass guarantee to enhance exam preparation.<\/p> <\/div> <\/div> ","protected":false},"excerpt":{"rendered":"<p>Around 63% of people pass their insurance license exam on the first try. In an industry built on confidence and compliance, that stat isn\u2019t just concerning\u2014it\u2019s a signal that your prep course matters. That\u2019s where XCEL Solutions comes in. I wanted to see if this insurance exam prep platform actually lives up to the hype. 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