On most versions of PagePlus you can type text "on the fly" by clicking on the Text Tool in the left hand array of tools, the Text symbol is usually a capital A. Then click anywhere on the page and start typing. Text size and font usually show at the top. You don't have to use Insert for text unless you have previously saved text to insert. The alternative is to click on the WritePlus symbol and enter your text that way.
Windows 10 Home vs Windows 10 Pro comparison: Here are the extra features you get in the Pro version