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Finish Pre‑Licensing in Days. Pass with Confidence.

This streamlined approach turns the course into a fast completion sprint, then uses the exam simulator to lock in what matters most. Complete quickly, schedule early, and pass with momentum.

Your Next Three Moves

  1. Finish every chapter as fast as possible

  2. Book the earliest exam date

  3. Pass the exam simulator 3x in a row

Always follow your state’s rules and your provider’s policies.

🎥 Watch This First: The Pre-Licensing Speed Run (3 Minutes)

Follow this process step-by-step while you’re in your course.

"The goal of the pre-licensing course isn't to learn everything about life insurance, that comes after with training and field experience. The goal is to pass."

How It Works (5 Steps)

Keep the throttle down. Speed first, mastery via simulator.

Step 1.

Log In to Xcel

Sign in to your pre‑licensing provider account to access your course modules.

Step 2.

Speed‑Run the Chapters

Click through lessons quickly. Aim to pass each chapter quiz, then immediately continue to the next chapter.

Step 3.

Repeat Until Complete

Maintain momentum. The goal is 100% course completion in the shortest time possible.

Step 4.

Schedule Your State Exam

Once your course completion is recorded, schedule the earliest available exam date.

Step 5.

Master the Exam Simulator

Take simulator exams repeatedly until you can pass a minimum of 3 times in a row.

Milestone to exit prep: You’re exam‑ready when you pass the simulator three times in a row.

Pro Tips to Move Faster

You don’t need 100% on the state exam — you just need to pass.

The faster you finish pre‑licensing, the more you can leverage short‑term memory.

The exam simulator mirrors real exam questions — if you can’t pass it 2–3× in a row, you’ll likely fail the state exam.

The sooner you complete this process, the sooner you can begin training and earning.

Coach's rule: Every study session ends with a commitment. Define exactly what you’ll complete and when you’ll report back.

FAQ

Is speed-running really effective?

Yes — the objective is completion plus repetition on the simulator. The simulator’s spaced repetition cements the knowledge that’s most likely to appear on the exam.

What score do I need on the state exam?

Requirements vary by state, but you don’t need a perfect score — you only need to meet the passing threshold, typically that is a 70%.

How soon should I schedule the exam?

Schedule the earliest available date after course completion. Having a fixed date creates urgency and a clear target for simulator practice.

What if I can’t pass the simulator 3× in a row?

Identify weak topics from the simulator review, skim those chapters, and resume simulator practice until you can pass consecutively.

Disclaimer: This page offers a study approach. It does not guarantee results. Always follow provider and state requirements.

Need help applying this?

Ask your Licensing Coordinator for a 10‑minute plan.