Quick comparison updated September 11, 2026
| Factor | CertiAcademy | ExamFX | Kaplan |
|---|---|---|---|
| Availability | Web access for Florida, Texas, California, Georgia, New York and New Jersey | Available | Available |
| Core model | State-specific exam practice | Online prelicensing and exam prep | Online, self-study and live options |
| Spanish | Complete EN/ES paths in released state programs | Spanish mode/resources in select offerings | Spanish offerings vary by package/partner |
| Question depth | 1,300+ per released state; 500 state-specific | Provider does not publish one universal count for every state/package | Provider does not publish one universal count for every state/package |
| Access | Web now; iOS and Android follow by state | Online platform | Online tools; mobile use depends on product/state rules |
| Prelicensing | Not included | Available in qualifying packages | Available in qualifying packages |
When ExamFX may be the better fit
ExamFX currently advertises Spanish mode, transcripts and study guides in selected offerings. Availability still depends on the exact state, line and package, so check the current product page before purchase.
- You need a state CertiAcademy does not yet offer.
- You want prelicensing and exam prep in one provider relationship.
- Your selected state/package includes the Spanish resources you need.
- You meet and accept the provider's Readiness Exam and guarantee conditions.
When Kaplan may be the better fit
Kaplan's Florida Life & Health page currently lists packages from $139 to $349 and a 60-day online access period. Other states and products can differ.
- You want an established provider with self-study, OnDemand or live instruction choices.
- You need state-approved prelicensing where required.
- Instructor access, study plans and a broad education catalog matter more than a dedicated new app.
- You are comfortable with the published access period and any extension fees.
When CertiAcademy is intended to fit
- You want a complete state-specific practice path in English or Spanish.
- You value a very large state-law practice pool and detailed error review.
- You want diagnostics, spaced review and exact-format simulations in one learning system.
- You already understand that CertiAcademy will not satisfy a state's separate prelicensing requirement.
- Your state is currently available in the CertiAcademy catalog.
Five questions to ask before paying any provider
- Does this exact package satisfy prelicensing, exam prep or both?
- Is Spanish complete for my state and line, or only a study guide or interface mode?
- How long is access, and what does an extension cost?
- What exactly must I complete to qualify for a guarantee or protection policy?
- Does the practice format match the current official outline for my examination?
Official sources and further reading
Facts and requirements were checked against the linked primary sources on the article's publication date. Licensing authorities and testing providers remain controlling.
- ExamFX: Life Insurance Exam PrepProvider-published package, pricing, Spanish-resource and guarantee information checked August 28, 2026.
- ExamFX: ExamFX Spanish OfferingsProvider-published description of Spanish mode, transcripts and study guides.
- Kaplan Financial Education: Florida Life & Health Insurance PrelicensingProvider-published Florida package prices and feature list checked August 28, 2026.
- Kaplan Financial Education: Insurance Licensing Exam FAQProvider-published access-period, mobile-use and PassProtection information.