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Hong KongTexas insurance exam prep, and the four prices we actually checked
Four products were priced on 6 September 2026: Elite Training Academy at $49.99, America's Professor and JustInsurance at $199, and Kaplan EssentialPlus at $249. WebCE, XCEL Solutions, ExamFX and A.D. Banker sell into this market and were not priced. Sitonce is $149 for 12 months.
Most pages that compare prep for this exam are written by someone selling prep, and this one is too. So here is the rule we set ourselves before writing it: a price goes on the page only if somebody loaded the checkout and read it. Four did. Four did not, and they are named as well, because a gap you can see is worth more than a number you cannot check.
What we priced, and on what day
| Product | Price read on 6 September 2026 |
|---|---|
| Kaplan EssentialPlus | $249 |
| America's Professor | $199 |
| JustInsurance | $199 |
| Elite Training Academy | $49.99 |
| Sitonce | $149 |
WebCE, XCEL Solutions, ExamFX and A.D. Banker all sell Texas life and health material and none of them was priced on this pass. They are large, they are older than us, and leaving them out of the table would misrepresent the market. We are not going to estimate their prices to fill four rows.
The spread between the cheapest and the dearest priced product is five to one. The products are not five times different. What actually varies is how much of it is video, whether a human answers a question, how long access lasts, and whether the thirty Texas questions were written against the Insurance Code or paraphrased from somebody else's manual.
The three shapes this market sells in
| Shape | What you get | Where it falls down |
|---|---|---|
| Recorded video course | Someone explaining whole life at eleven at night, on repeat | Nothing checks whether you understood it, and video hours are easy to confuse with progress |
| Live or instructor-led class | A schedule, a pace, and somebody to ask | It runs at the class calendar, and it covers annuities whether or not annuities are your problem |
| Self-paced course with a question bank | Lessons, practice, timed forms and a score | Discipline. Nobody notices when you stop |
We sell the third one. Read the rest of this page knowing that.
Seven questions to ask any Texas provider
- What is the pass mark? If the answer is a percentage, the provider has not read the candidate handbook. TDI sets the passing score and Pearson reports a scaled score. No percentage is published
- Is the material written to the content outline effective 1 September 2026? That is Pearson publication 124401 and it is the current specification
- Does the product treat the paper as 100 general questions and 30 Texas ones, sat together and scored as one result?
- When a Texas answer is explained, does it name the chapter of the Insurance Code it comes from, or does it just assert?
- How many full-length timed forms at the real length of 130 questions in 150 minutes?
- How long does access last, and does it outlast a failed attempt? A retake is a fresh $49 registration
- Is it a one-time price or a recurring one, and if it recurs, on what date?
Question one is the filter. In fiscal year 2025 the Department reported a mean scaled score of 69.75 against a first-time pass rate of 57.7%, and our own reading of those two figures puts the cut at a scaled 70 - which is ours, derived, and not something TDI has published. Any provider quoting you a flat percentage is quoting the internet.
The thing nobody in this market advertises
Texas requires no pre-licensing education for a General Lines life, accident and health agent license. TDI's own page lists three steps: sit the exam, get fingerprinted, apply. Every product in the table above, ours included, is optional, and a page that sells you a course without telling you that is selling you a course under false pretenses. The longer version is in why Texas requires no pre-licensing course.
Optional is not the same as pointless. 26,427 first-time candidates sat this exam in FY2025 and 57.7% passed, which means somewhere near two in five walked out having paid $49 for a result they did not want. Buying something is a reasonable response to that. Being told you legally must is not.
Where the incumbents beat us
Two places, plainly. They have been here for decades and we have not, which matters more than we would like when you are choosing something you will rely on. And a carrier recruiting new agents frequently pays for one of their courses, which is a distribution channel we do not reach at all. If your carrier is paying, none of this table is your decision - that comparison has its own page.
Where we think we are genuinely different is narrower and checkable. We hold 47 chapters of the Texas Insurance Code, in full, on disk. So an explanation on the Texas portion can point at the chapter the answer turns on rather than asserting the rule and moving on. We do not hold Title 28 of the Administrative Code, which the outline also cites, and we say so on the pages where that gap shows.
How we would actually spend the money
If you have never seen an insurance policy, buy something taught. The general portion is 100 of the 130 questions and it is a vocabulary problem before it is anything else, and being stuck alone on nonforfeiture options for a fortnight is how people quit.
If you already work around this material and your worry is the Texas 30, the honest answer is that the source is free. The Insurance Code is public domain and it is online. Buy timed practice, not explanation.
Common questions
How much does Texas insurance exam prep cost?
The four products we priced on 6 September 2026 ran from $49.99 for Elite Training Academy to $249 for Kaplan EssentialPlus, with America's Professor and JustInsurance both at $199. Sitonce is $149 for 12 months. WebCE, XCEL Solutions, ExamFX and A.D. Banker were not priced.
Which Texas insurance exam prep is best?
There is no answer that survives contact with your situation. Ask the seven questions on this page instead, and weight the one about whether the material follows the content outline effective 1 September 2026, because material written for the previous outline describes a paper that is no longer set.
Do I have to buy a prep course to sit the Texas exam?
No. Texas requires no pre-licensing education for this license. TDI lists three steps: take the exam, get fingerprinted, apply. Every prep product on the market is optional, including ours. The only exam exemption is the Chartered Life Underwriter designation.
Why don't you list prices for ExamFX and A.D. Banker?
Because nobody here loaded their checkout and read one. ExamFX, A.D. Banker, WebCE and XCEL Solutions all sell into this market and all four are absent from our price table for that reason alone. An estimate dressed as research is worse than a blank.
What should prep cover for the Texas portion?
The 30 Texas questions come from four sections of the content outline covering statutes common to life and health, life only, accident and health only, and health maintenance organizations. Good material ties an answer to the Insurance Code rather than paraphrasing a rule and leaving you to trust it.