What Makes OLT Insurance Courses Unique?

Online Training (OLT) designs its online insurance pre-licensing and continuing education courses specifically for busy adults who need to pass state exams and maintain their licenses.

The Redding Method, used in OLT’s online insurance courses, is approximately 2.3 times as efficient as traditional “Review & Cram” programs, helping insurance students overcome learning barriers and stay focused on what really matters for their exam.

Rooted in adult learning and motivational theory, The Redding Method helps future insurance agents, CSRs, and adjusters understand complex concepts faster and retain them long enough to succeed on high-stakes state licensing exams.

Why The Redding Method Works for Insurance Exams

Dr. Terrence R. Redding, Ph.D., was involved in adult education, training, and training development for over 30 years, applying his research on motivation and self-directed learning to real-world professional training such as insurance licensing preparation.

From his work in structured training environments, he identified two keys to effective learning that are especially important for online insurance courses:

• Understanding the motivation to learn, such as earning a new insurance license, advancing a career, or meeting CE requirements.
• Identifying and overcoming fundamental learning barriers that cause adults to stall or give up before passing the exam.

Although Dr. Redding passed away in January 2025, his research-driven approach lives on in The Redding Method, which continues to guide OLT’s online insurance pre-licensing, exam prep, and CE courses.

By combining motivational principles with a carefully controlled online learning environment, OLT helps insurance students move steadily along the learning curve until they are ready for their state exam.

Adults Learn Differently — Especially in Insurance

Adults enrolling in online insurance courses are usually “knowledge shoppers” with a clear purpose: to get licensed, keep a license active, or qualify for a new role in the insurance industry.

Their motivation may be external, such as job requirements or employer expectations, or internal, such as the desire for higher income or a more flexible insurance career.

The Redding Method acknowledges both forms of motivation but focuses on practical, exam-focused results — helping learners complete online insurance pre-licensing, exam prep, and CE courses efficiently and effectively.

While other programs may cost less upfront, they often require more hours of repetitive, unfocused study and may still leave students unprepared for the actual insurance exam.

The Three Barriers in Online Insurance Learning

1. Fear: “What if I fail my insurance exam?”

Many adults returning to an academic setting feel anxious about studying again, especially when a state insurance licensing exam — with fees, deadlines, and job implications — is on the line.

The Redding Method reduces this fear by introducing insurance concepts in a logical, progressive sequence. Broad principles, definitions, and regulatory basics come first, followed by more complex topics like policy provisions, underwriting, and state-specific rules.

Initial practice questions are simple and carefully structured to guide students toward correct answers, building early wins that lower test anxiety and increase confidence before they tackle more challenging, exam-level questions.

Instead of exposing students to a flood of tricky distractors and obscure scenarios, the method focuses on presenting the right information in a way that prepares learners for how insurance content actually appears on their state exam.

2. Time: “How can I study around work and family?”

Time is one of the biggest obstacles for adults seeking a new insurance license or completing CE requirements while working full-time.

The Redding Method addresses time constraints by giving learners multiple ways to navigate online insurance content. Students can:

• Study in the sequence presented in the course manual for a structured path.
• Follow a topical sequence that targets specific lines of authority or weaker areas.
• Study in the same sequence and weighting that the state insurance exam uses.

Course tools help learners see how many exam questions are likely to focus on a given topic, so they can prioritize high-impact sections such as policy types, contract law, ethics, or state regulations.

Because these insurance courses are delivered entirely online, students can log in whenever they have time — early mornings, lunch breaks, evenings, or weekends — instead of commuting to a classroom on a fixed schedule.

3. Location: “Where can I realistically study?”

Insurance students have different preferences and constraints when it comes to where they study. Some want to work from home, others from the office, and some even study while traveling between appointments.

Through OLT’s online platform, the same Review & Cram and exam prep material is available anywhere there is internet access, making it flexible enough to support insurance professionals and career-changers in real-world conditions.

Whether a learner is preparing for a life and health, property and casualty, or other line-specific insurance license, they can access their course content from a desktop, laptop, or compatible mobile device.

Controlling the Online Insurance Learning Environment

OLT recognizes its responsibility to create online insurance learning experiences that produce high success rates in the minimum practical amount of time, with the least wasted effort for the student.

Training developers and educational analysts apply structured training development models to design insurance courses that work well in a self-paced, online environment.

Built-in study tips, guidance, and short “mental shrug” breaks are offered at strategic points, giving students room to pause and reset without losing momentum in their insurance exam prep.

This subtle support helps maintain engagement and reduces burnout, which is critical for adults studying detailed insurance content after long workdays.

Honoring Dr. Redding’s Legacy in Insurance Education

The Redding Method reflects Dr. Redding’s lifelong commitment to adult learning, motivation, and self-directed study, and these principles are now deeply woven into OLT’s online insurance programs.

Even after his passing in January 2025, his ideas remain central to how OLT structures insurance pre-licensing, exam prep, and CE courses, ensuring that each new generation of insurance professionals benefits from his research.

By choosing an OLT online insurance course, learners are not just signing up for content; they are engaging in a proven, research-informed process designed to help them pass their exams and advance their careers.

Conclusion: Learn Insurance Smarter with The Redding Method

The Redding Method is more than a way to memorize insurance facts; it is a structured approach to adult learning that aligns content, motivation, and environment with the real-world demands of state insurance licensing and CE exams.

With efficient study paths, flexible online access, and a focus on overcoming fear, time, and location barriers, OLT’s online insurance courses give learners a smarter, more confident way to reach their licensing goals.