Sorry to disagree with the previous review, but my experience with POHS was not the same. I took the evening class. Tuesday and Thursday nights, along with a full day on Saturday. We had 3 instructors. The only competent one was Bert. The other two, Carl and some lady whos name I can't remember were god awful. Furthermore, we were told to study our notes our note our notes. Well guess what, the notes prepared us for the final school exam, but not at all for the state exam. There was questions on the state test, and a majority of them, that were never even discussed in the classroom. I had to purchase a Property and Casualty Exam Cram book from Borders. And guess what? After reading that, I passed the state exam with no problem! I could have saved 800 bucks, never took the class and just studied the book I purchased from Borders. TWO THUMBS DOWN POHS!!!!!!!!!!!!! If you can find a class elsewhere, I highly recommend that you take it and avoid POHS Institute at all costs!