Insurance Schools, Inc. pioneered online claims adjuster license education in the late 1990s as the first established brick-and-mortar school to offer claims adjuster license courses on the internet. While several reputable schools followed our lead, the market remained relatively stable for about a decade. Today, countless websites sell insurance prelicensing and exam prep courses for claims adjuster licenses, but many lack legitimacy. This comprehensive guide will help you determine if a claims adjuster license course meets your specific needs, offers fair pricing, carries proper state approval, and genuinely aims to help you pass your claims adjuster license exam on the first attempt.
Any legitimate company offering claims adjuster license courses will prominently display their state-approved provider number from the relevant insurance departments on all prelicensing courses. Even when considering exam prep courses that don't require formal approval, you can verify legitimacy by checking for state approval numbers on their other prelicensing offerings.
Reputable providers of claims adjuster license prelicensing or exam prep courses typically offer sample course materials for review before purchase. This preview allows you to:
Look for clear information about when the claims adjuster license course was last updated to reflect the latest state exam changes. State legislatures continually revise insurance laws, with some states like Florida making almost constant updates. Quality claims adjuster license courses emphasize coverage of the LATEST legislative changes specific to your state.
A legitimate claims adjuster license course provider will prominently display comprehensive company information and multiple contact methods for both technical and curriculum support. The best claims adjuster licensing schools offer support:
Be wary of claims adjuster license course descriptions that include any of these inaccurate statements:
"A college degree isn't required but helps when entering the insurance industry." While technically true, this statement is misleading as it suggests educational requirements beyond what's actually needed for a claims adjuster license.
"A license is not required." This is false. Anyone working as a claims adjuster in any state must hold a proper claims adjuster license unless they're being directly supervised by a licensed adjuster who assumes responsibility for their work.
"You cannot obtain a claims adjuster license with a felony conviction." This isn't universally true. If the felony didn't involve a breach of trust related to insurance fiduciary responsibilities, you may still qualify for a claims adjuster license through a 1033/1034 exemption. Always discuss your specific situation with your target state's insurance department.
Be skeptical of claims adjuster license courses that emphasize covering the "national portion" of the state exam. This terminology is misleading—there is no standardized "national portion" of claims adjuster license exams. What these providers typically mean is they cover generic information that may or may not apply to your specific state's claims adjuster license exam.
Every state's claims adjuster license exam includes substantial questions on state-specific laws and regulations. Without proper coverage of these state-specific statutes—or worse, if the course presents outdated state insurance statutes—you're likely to fail your claims adjuster license exam regardless of how well you understand the general concepts.
Exercise caution if a school uses their claims adjuster license prelicensing or exam prep courses as "loss leaders" designed primarily to sell you higher-priced products like claims estimating software training or to recruit you for their catastrophe adjuster rosters. This practice may indicate:
Be cautious of claims adjuster license courses with extreme pricing in either direction. Typical claims adjuster license courses range from $180 to $380, depending on:
Prelicensing claims adjuster license courses requiring final exams and completion certificates generally cost more than exam prep courses due to regulatory compliance expenses and certification costs. Examples of questionable pricing include:
Remember that maintaining current claims adjuster license courses requires significant investment in legal researchers and writers. Suspiciously low-priced courses usually indicate generic content that doesn't cover the most recent state-specific claims adjuster laws and regulations essential for passing your exam.
Courses advertised with "lifetime access" or a statement such as "take as long as you need to finish" are courses that are rarely finished by students, infrequently updated, and hardly ever lead to a passing score on the state exam. Courses that include a deadline to complete them motivate learners by creating a sense of urgency and focus. It also helps students prioritize tasks and manage their time study time to lead to a successful outcome.
Courses providing "unlimited practice exams" is the #1 reason students fail their claim adjuster state licensing exams. When unlimited practice exams are provided, students memorize questions and answer choices whether intentionally or inadvertently and a false sense of knowing the course information is perpetuated. After taking a certain number of practice exams, students are no longer learning anything, they are simply selecting memorized answers. Then, when the questions covered on the state exam are worded differently and may word their answer choices differently, they have no idea what answer to choose.
Review the Claims Adjuster License courses offered by Insurance Schools, Inc. by CLICKING HERE.
When selecting a claims adjuster license course, prioritize:
Your claims adjuster license is the foundation of your insurance career. Investing in a legitimate, comprehensive claims adjuster license course dramatically increases your chances of passing your exam on the first attempt, saving you time, money, and frustration as you begin your professional journey as a licensed claims adjuster.