Terms of Service
What you are buying, what we do and do not promise, and the rules of use.
Last updated November 13, 2026
1. Who we are
Insurance License Practice ("we", "us") is an online practice service for the US state insurance producer licensing exams, available at insurancelicensepractice.com. It is run by an independent sole proprietor. Contact and legal details are available on request at [email protected].
Independent practice service. Not affiliated with Pearson VUE, PSI, Prometric, NAIC or any state department of insurance. We are an independent practice tool. We do not run, administer, grade or endorse any licensing exam, and we do not issue licenses. Licensing requirements, fees and rules are set by each state; check your state department of insurance and your exam vendor before you apply. By using the site, including the free practice exam, you agree to these terms.
2. Who may buy
The buyer must be at least 18. We ask the buyer only for an email address.
3. What you are buying
Online practice material for one state exam that you use in your browser. Nothing is shipped. There is one plan per state exam:
| Plan | Price | Access |
|---|---|---|
| Texas Life and Health practice plan - 90 days | $39 | 90 days |
| Florida Life and Health practice plan - 90 days | $39 | 90 days |
Each plan includes: every full timed practice exam of that state exam (the free one included), an explanation for every question, the result report after every exam (overall, by part, by topic, and a readiness estimate), the mistake notebook and the topic trainer. It is one payment, not a subscription: nothing renews and there is nothing to cancel. Access ends 90 days after purchase.
Who writes the questions. Every question and explanation is written by us from public exam outlines and candidate handbooks and, for state-law questions, from the text of the state's laws and rules, which the explanation cites. We do not have, and do not sell, the questions of any exam vendor or course. The questions on the real exam will be different from ours.
4. What we do not promise
We do not promise that you will pass any exam or get any license. The readiness line on a result is an estimate: your share of correct answers compared with the state's published passing line. It is not your exam score and not a prediction. Laws and exam formats change; each state page shows the date its facts were last checked, and you must confirm the current rules with your state and exam vendor. Nothing on this site is legal, insurance or financial advice, and nothing on it is advice about insurance policies for buyers of insurance.
5. Payment, refunds and tax
Payment is processed by Creem, our merchant of record; we never see your card number. Prices are in US dollars. The 14-day refund rule is on the Refund Policy page and is part of these terms.
6. Your account and access
Access is tied to the email of the purchase. There is no password: you sign in with a 6-digit code sent to that email, or with the purchase number. One purchase is for one person: do not share your access or copy the questions, explanations or reports to publish, resell or train a service. We may close access that is shared or abused.
7. Using the site
Do not try to get at answers before a test is submitted, to overload the service or to use it for anything unlawful. The practice exams are timed in your browser; a lost connection or a closed tab does not stop the clock.
8. Our liability
The service is provided as it is. To the extent the law allows, we are not liable for indirect losses, for an exam you fail or for a license you do not get, and our total liability for a purchase is limited to the price you paid. Nothing here limits rights you have by law that cannot be excluded.
9. Changes and law
We may change the site, the practice exams and these terms; the date above shows the last change. Questions: [email protected]. See also the Privacy Policy.