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Hong KongTexas insurance exam practice questions, and how to use them
A usable bank for this exam is weighted to Pearson's published section counts, covers both portions separately, and explains why each wrong option is wrong. Ours holds 1,300 questions, 1,000 general and 300 Texas, assembled into 10 complete papers of 130. Volume is the least important number there.
Every prep site advertises a question count, and the question count is close to meaningless. Ten thousand items with one-line answers teach less than five hundred that tell you why you were wrong.
Here is what actually separates one bank from another for this exam, and where ours sits on each.
- Questions in our bank
- 1,300
- Split
- 1,000 general, 300 Texas
- Assembled as
- 10 complete papers of 130
- Of those
- 5 mock forms and 5 practice pool
- Weighted to
- The section counts in Pearson publication 124401
- Texas explanations
- Cite the chapter and section
Weighting is the first test
The content outline prints a question count against every numbered section. Nine general sections carrying 100 questions and four Texas sections carrying 30. A bank that ignores those counts is teaching a paper Pearson does not set.
This shows up in a specific way. Whole life is interesting to write about and social insurance is not, so an unweighted bank drifts toward life policy types and away from Medicare and Medicaid. Then a candidate meets 6 social insurance questions on the day having practiced two.
Check any bank you are considering by counting. Pull thirty of its questions at random and see whether the proportions look like the outline's. It takes ten minutes and it tells you more than any review will.
The explanation is the product
A question you answered correctly taught you nothing. A question you got wrong teaches you exactly as much as its explanation contains, and most explanations contain a restatement of the key dressed up as teaching, which is the cheapest thing a prep company can ship and the easiest thing for a buyer to miss while skimming a sample. So read three.
What a full explanation has to do is account for the other three options. Why does payor benefit not fit this fact pattern? What would the stem have had to say for it to be right? That is the sentence that changes your next answer, and it is the expensive part to write, which is why so few banks have it.
The two portions justify their answers differently and any bank claiming otherwise is bluffing on one of them. Texas questions have a statute behind them, so an explanation can name the chapter and section and quote the sentence the answer turns on. General questions have no statute, so the explanation has to show its reasoning instead.
How many questions you actually need
Fewer than the marketing suggests, and used more slowly.
| Stage of preparation | What questions are for | How to run them |
|---|---|---|
| Early | Finding out what you do not know | Small untimed sets by section, immediately reviewed |
| Middle | Fixing named errors | Sets targeted at the sections you are losing |
| Late | Pacing and stamina | Full 130-question forms, 150 minutes, no pausing |
| Final week | Confirming a fix | One clean form on unseen questions |
The mistake nearly everyone makes is running the late-stage exercise all the way through. Full timed forms feel productive because they produce a score, and a score is not information. Early on you want the opposite: ten questions, then twenty minutes on why you missed three of them.
Keep enough unseen material for the end. A form assembled from questions you have already worked through returns a comfortable number and tells you nothing, and that is how people talk themselves into an exam date.
Reading a practice percentage honestly
There is no published pass mark for this exam. TDI sets the passing score and Pearson reports it as a scaled score rather than a percentage of questions, so no bank on earth can tell you what percentage clears it.
We aim candidates at 78% on our own forms. That is our target, not a pass mark, and it sits deliberately above where the evidence puts the cut so that a harder form still leaves headroom. Anyone printing a flat percentage as "the pass mark" for this exam is quoting something other than TDI.
TDI publishes a mean scaled score of 69.75 and a standard deviation of 14.51 against a first-attempt pass rate of 57.7%. A cut at a scaled 70 fits both. That inference is ours, it is a point on a reporting scale rather than a count of questions, and it is never a promise.
What to check before you pay for any of it
- Which content outline version does it name? The outline changed on 1 September 2026, and material written for the previous one describes a paper that is no longer set
- Does it separate the general and Texas portions, or does it mix them into one undifferentiated pool? The two halves need different study and different speeds
- Open three explanations. Do they explain the wrong options, or only the right one?
- Does it print a pass mark as a percentage? If it does, ask where that number came from, because TDI has not published one
That first check is the sharpest one and it is checkable in a minute. Look for the publication number 124401 or the effective date of 1 September 2026 somewhere in the product's own description of its scope.
Where we are genuinely weaker
The incumbents here are larger and much longer established than in any other market this site covers, and several of them have been selling into Texas for decades. More to the point, a carrier recruiting new agents will often pay for their course outright, which is a channel we do not reach at all. If your employer is buying, take the course they are buying.
Prices among the schools we measured ranged widely on 6 September 2026, and our own course is USD 149. The comparison belongs on the question banks compared page rather than here, because a page about how to use practice questions should not turn into a price list.
Common questions
How many practice questions do I need for the Texas insurance exam?
Fewer than most sites imply, used more slowly. What matters is coverage weighted to the published section counts and enough unseen material left for two full 130-question forms at the end. Volume without explanations produces a comfortable score and no learning.
Should practice questions be timed?
Not early. Untimed sets of ten, reviewed immediately and in detail, do more in the first half of your preparation. Timing matters late, when the job changes from finding gaps to holding a pace of about a minute a question for 150 minutes.
What score on practice questions means I am ready?
There is no sourceable answer, because TDI publishes no percentage pass mark and reports a scaled score instead. We aim candidates at 78% on our own forms, which is our target chosen to leave headroom rather than a threshold anyone has published.
Do practice questions need to cover Texas law separately?
Yes. The 30 Texas questions are recall against statute and the 100 general ones are comparisons between insurance concepts. They fail differently and are studied differently, so a bank that pools them together hides which half is your problem.
How do I know a question bank is current?
Find the content outline version it names. The TEXAS Insurance Supplement outline took effect on 1 September 2026 and carries Pearson publication number 124401. Material written for the previous outline describes an exam that is no longer set.