United States
Hong KongWhat we cover, what we don't, and where the incumbents beat us
$149 buys 12 months, 1,300 questions split 1,000 general and 300 Texas, 13 lesson chapters and 5 mock forms of 130. It does not cover property and casualty, does not hold Title 28 of the Administrative Code, and is not a TDI-approved education provider, which Texas does not require anyway.
Every product page lists what is included. This one leads with what is not, and then names the two places where the companies we compete with are straightforwardly better placed than we are.
What $149 buys
- Price
- $149, paid once, no renewal
- Access
- 12 months
- Questions
- 1,300
- General portion
- 1,000 questions
- Texas portion
- 300 questions, each citing the chapter of the Insurance Code
- Lesson chapters
- 13, one per section of the content outline
- Mock forms
- 5, of 130 questions each, weighted to the published section counts
- Refund
- In full for 7 days, while you have used no more than a fifth of the lessons, the questions and the mocks
The 130 in that mock row is the real paper: 100 general questions and 30 on Texas statute, sat together and scored as one result. The forms are weighted to the counts Pearson publishes per section rather than spread evenly, which is the one design decision on this list we would defend hardest.
The six things we do not do
| Not covered | What that means for you |
|---|---|
| Title 28 of the Texas Administrative Code | The content outline cites it across the state portion and we do not hold it. Where a Texas answer turns on an administrative rule rather than on the Code, our explanation reasons rather than cites |
| Property and casualty, in any form | No material at all. Different examination, different outline, and we hold none of it |
| The adjuster licenses | Same answer, and adjusters have a course route out of their exam that agents do not |
| Anything live | No classroom, no instructor, no scheduled sessions. If you want somebody to explain annuities out loud, buy that elsewhere |
| Approval | We are not a TDI-approved education provider. We also do not need to be, because Texas requires no pre-licensing course for this license |
| Registration, fingerprinting and the application | You book with Pearson VUE, get fingerprinted through TDI's portal and apply via Sircon. We are not in that chain and cannot chase anything for you |
The first row is the one that costs us, and it is first deliberately. Our whole claim about the Texas 300 is that the explanation names its source, and there is a category of question where it cannot. Title 28 is public and harvestable and we have simply not done it yet.
Where the incumbents beat us
Two things, and they are bigger here than in any other market this site covers.
The first is age. WebCE, XCEL Solutions, ExamFX, A.D. Banker and Kaplan have been teaching insurance licensing for decades. We have not. When you are buying something you will rely on for a license, that is a reasonable thing to weigh, and no feature list we write cancels it out.
The second is distribution. A carrier recruiting new agents frequently pays for a course, and it will be one of theirs. That channel accounts for a large share of the 26,427 first-time candidates who sat this exam in FY2025 and we do not reach it at all. If your carrier is paying, take their course and do not buy ours.
Which numbers on this site are ours
- The scaled cut of 70. TDI publishes no pass mark. We cross-checked a published mean scaled score of 69.75 against a 57.7% first-time pass rate and concluded the cut sits around 70. It is our inference and every page that uses it says so
- The readiness target of 78%. Ours, against our own mock papers, set above where we think the cut is so that hitting it clears a harder form with headroom. It is not a pass mark and we never present it as one
- 1.15 minutes a question, from dividing 150 minutes by 130 questions
- 77% as the general share, from dividing 100 by 130
- Any weighting inside a numbered section. Pearson publishes a question count per section and nothing below it, so where our lessons weight one sub-topic above another, that split is derived from the sub-items the outline lists and is not a published weight
Everything else comes from the content outline, the candidate handbook, the Texas Insurance Code or TDI's FY2025 report. Fees, question counts, minutes, pass rates and candidate numbers are all somebody else's figures and we have not touched them.
You will not find a test-day anecdote on this site, because we would have to invent one. What replaces it is showing the working: what TDI and Pearson published, what we derived from it, and which claims are soft. That is a weaker kind of authority than having been in the room and we would rather have the weaker kind honestly.
Who should not buy this
- Anyone whose carrier is paying for a course. You would be buying twice
- Anyone who holds the Chartered Life Underwriter designation, which exempts you from the examination entirely
- Anyone sitting in under a fortnight who would be paying for eleven months they will not open
- Anyone who learns from a person talking rather than from questions. We have no classroom and no plans for one
The reader this was built for is narrower than most product pages admit: somebody paying their own way, without a carrier behind them, who is comfortable working from questions and wants the Texas portion tied to the actual statute rather than to somebody's summary of it. If that is not you, one of the other names on this page probably fits better.
Common questions
What is included in the Sitonce Texas life and health course?
$149 for 12 months: 1,300 questions split 1,000 general and 300 Texas, 13 lesson chapters matching the content outline sections, and 5 mock forms of 130 questions weighted to the published counts. Refundable in full for 7 days while under a fifth used.
Is Sitonce approved by TDI?
No, and no prep product needs to be for this license, because Texas requires no pre-licensing education. Approval under chapter 4004 of the Insurance Code attaches to specific education roles. We do not claim it and never describe ourselves as certified or approved.
Does Sitonce cover property and casualty or adjuster licensing?
No. Everything here is built for the General Lines life, accident and health agent examination. We hold no property and casualty content outline and no adjuster material, so we will not characterize either beyond the pass rates TDI publishes.
Which figures on this site are yours rather than TDI's?
The scaled cut of 70, the 78% readiness target, 1.15 minutes a question, the 77% general share, and any weighting inside a numbered section. Fees, question counts, minutes, pass rates and candidate numbers all come from TDI or Pearson.
Why should I buy from a newer company?
Often you should not, and that is a fair thing to weigh. The one narrow argument for us is method: the 300 Texas questions are written against 47 chapters of the Insurance Code we hold in full, so an explanation can point at the chapter rather than assert.