United States
Hong KongQuestion banks, and why the size of one tells you almost nothing
Judge a bank on four things: whether it separates the 100 general questions from the 30 Texas ones, whether it builds full forms of 130 against the clock, whether a Texas explanation names the statute, and whether it was written for the outline effective 1 September 2026. Bank size is the least useful number on the page.
Every bank in this market leads with a count. Thousands of questions, updated regularly, and so on. We have a count too and it is 1,300. Here is why we think you should mostly ignore all of them.
A question bank is a sampling instrument. What matters is whether the sample it draws looks like the paper you are going to sit, and the paper you are going to sit has a very specific shape: 130 scored questions in 150 minutes, made of 100 general and 30 Texas, sat together and scored as one result. A bank of five thousand questions that ignores that shape is worse than a bank of eight hundred that respects it.
The four tests that actually separate banks
| Test | Why it matters | How to check it in two minutes |
|---|---|---|
| Does it split general from Texas? | The two portions are not passed separately, but they fail for completely different reasons, and you cannot fix a weakness you cannot see | Look for a score that reports the two halves apart. If there is one overall percentage, it cannot tell you where to spend the week |
| Does it build a form of 130 against the clock? | 1.15 minutes a question is the real constraint and it is ours, by dividing the two published figures. People discover it on the day | Count the questions in the longest practice test on offer |
| Does a Texas explanation cite the source? | The Texas 30 comes out of statute. An explanation that asserts a rule without naming where it lives is asking you to trust it | Open one Texas answer. Does it name a chapter of the Insurance Code, or does it say "in Texas, the insurer must"? |
| Is it written to the current outline? | The content outline took effect on 1 September 2026. Material written for the previous one describes a paper that is no longer set | Look for the effective date, or for whether the Texas material is organized into four sections including a separate one on health maintenance organizations |
The third row is the one we would push hardest on, and not only because it is what we built for. The general portion is insurance principles and you can sanity-check an explanation against any textbook. Texas statute you cannot, unless the explanation tells you where to look.
What the published section counts let a good bank do
Pearson publishes a question count for every numbered section of the outline, which is unusually generous and almost nobody uses it. The general side runs 15, 15, 12, 8, 16, 15, 6, 5 and 8, summing to 100. The Texas side runs 14, 6, 7 and 3, summing to 30.
| Texas section | Questions |
|---|---|
| Statutes and rules common to life and health | 14 |
| Statutes and rules pertinent to life only | 6 |
| Statutes and rules pertinent to accident and health only | 7 |
| Statutes and rules pertinent to health maintenance organizations | 3 |
So a bank that weights its Texas practice evenly across those four is wrong by a factor of nearly five on the first row. That is a checkable failure and you can spot it by filtering the bank by topic and counting.
What is in ours
- Questions
- 1,300
- General
- 1,000
- Texas
- 300
- Mock forms
- 5, of 130 questions each, weighted to the published section counts
- Lesson chapters
- 13, one per section of the outline
- Access
- 12 months for $149, paid once
The 300 Texas questions are the ones we would ask you to test us on. They were written against 47 chapters of the Insurance Code that we hold in full, and the explanation names the chapter. That is not a claim about quality, it is a claim about method, and you can verify it by opening a question and then opening the statute.
The content outline also cites Title 28 of the Texas Administrative Code across the state portion, and we do not hold it. It is public and harvestable and we simply have not done it. Where a Texas answer turns on a rule rather than a statute, our explanation reasons rather than cites, and that is a real limit on the claim above.
The number we cannot give you
How big anyone else's bank is. We have never bought a competitor's product, never opened one, and never paraphrased one, so every comparison on this page is about method rather than about their content. If you want a head-to-head on question quality, the only honest way to get it is to sit a free sample from each and judge the explanations yourself.
One thing no bank should imitate
The real exam administers 145 questions and scores 130. Fifteen are pretest items being trialed for future forms, and you are not told which. Some candidates hear this and start hunting for the fifteen, which is a very effective way to lose the paper. A practice bank that tries to simulate unscored questions would be teaching a habit you want to be rid of.
How many questions you actually need
Fewer than the marketing suggests and more than you will want to do. Our view: enough to cover every section of the outline twice, plus at least three full timed forms, plus a second pass over everything you got wrong. Whether that is six hundred questions or 1,300 depends on how much of the general material you already knew, and anyone quoting you a universal figure is guessing.
Common questions
How many practice questions do I need for the Texas insurance exam?
Enough to cover all 13 sections of the content outline twice, three full timed forms of 130, and a second pass over your errors. The absolute count matters less than the coverage. A bank that never builds a full-length form leaves the pacing problem untested.
How many questions are in the Sitonce bank?
1,300, split as 1,000 general and 300 Texas, with 5 mock forms of 130 questions each weighted to the published section counts. Access is 12 months for $149 paid once, refundable in full for 7 days while under a fifth used.
Should a practice question tell me which statute it came from?
For the Texas 30, yes. Those questions come out of the Insurance Code, and an explanation that asserts a rule without naming its source cannot be checked. For the general 100 it matters less, because insurance principles can be verified against any textbook.
Do practice banks include unscored questions?
They should not. The real exam administers 145 questions and scores 130, with 15 pretest items you are not told about. Hunting for them wastes time you do not have at 1.15 minutes a question, so a bank that simulated them would be teaching a bad habit.
How do I tell if a bank uses the current content outline?
Look at how the Texas material is organized. The outline effective 1 September 2026 splits it into four sections, one of which covers health maintenance organizations and carries 3 questions. Material that treats Texas law as one undivided block predates it or ignores it.