التخطيط المالي والثروات

CII R05: Financial Protection

Prepare for the 50-question CII R05 assessment with focused 2026/27 coverage of life assurance, income protection, critical illness, care, taxation, State benefits and suitable personal and business protection.

200 سؤالاً فريداً · 5 اختبارات × 50 ملخصات تفصيلية محاكاة واقعية للامتحان

تمت مراجعة معلومات منهج الدورة لعام 2026. يُرجى دائماً التحقق من أحدث منهج رسمي وتحديثات المرشحين لدى الجهة المانحة قبل حجز الامتحان أو التقدم له. أكاديمية الامتحانات مزود تعليمي مستقل وغير تابع لمعهد CII.

كل ما تتضمنه الدورة

5 اختبارات تجريبية × 50 سؤالاً · 200 سؤالاً فريداً · 250 موضع سؤال إجمالاً · محاولات غير محدودة
التعلّم المركّز · مواضيع الاختبار والأخطاء الشائعة والفخاخ والأرقام المهمة
بطاقات مراجعة ممتعة وفعّالة
معادلات وأمثلة حسابية محلولة ومراجع الفصول
تعلّم صوتي · جميع الفصول متاحة بصيغة صوتية
محلل أداء وموجّه ذكي يحدد نقاط ضعفك
وضع الدراسة · تعلّم أثناء التدريب
دردشة ذكية مدرّبة خصيصاً على هذا الامتحان
بيانات مصقولة يومياً بملاحظات المجتمع
محتوى حديث ومدقق الدقة

ملخصات صوتية بالذكاء الاصطناعي جديد

استمع إلى دروسك في أي وقت. مثالي للتعلم أثناء التنقل أو القيادة.

🎧 عينة صوتية

* هذه عينة صوتية. تتوفر التسجيلات لجميع الفصول في النسخة الكاملة من الدورة.

المنهج الدراسي

الوحدة 1: Consumer and retail market factors and trends 6% من وزن المنهج

🎧 عينة صوتية

Risk transfer, consumer attitudes, health, longevity, employment, product development, pricing and access to advice.

• Role of insurance
• Consumer behaviour
• Market and product trends

الوحدة 2: Protection needs and sources 6% من وزن المنهج

Health, incapacity, income, debt, death, estate and business needs, existing resources and main sources of cover.

• Areas of need
• Assets and liabilities
• State, employer and private sources

الوحدة 3: State benefits and local-authority provision 6% من وزن المنهج

Bereavement, income, disability, child, housing and pension support and its limitations in private planning.

• Range of benefits
• Eligibility and limitations
• Planning impact

الوحدة 4: Life assurance and pension-based protection 16% من وزن المنهج

Policy types, ownership, trusts, terminal illness, waiver, premiums, underwriting, assignments and claims.

• Term and whole-life cover
• Ownership and trusts
• Underwriting and claims

الوحدة 5: Taxation of protection policies 12% من وزن المنهج

Qualifying and non-qualifying policies, life funds, chargeable-event gains, onshore and offshore treatment and inheritance-tax planning.

• Policy classification
• Chargeable gains
• Inheritance-tax planning

الوحدة 6: Income protection insurance 12% من وزن المنهج

Types, incapacity definitions, exclusions, options, taxation, group cover, premiums, underwriting and claims.

• Definitions and features
• Deferred periods and benefits
• Tax and claims

الوحدة 7: Critical illness insurance 12% من وزن المنهج

Policy design, covered conditions, exclusions, term, amount, taxation, trusts, group cover, premiums, underwriting and claims.

• Definitions and conditions
• Standalone and integrated cover
• Underwriting and claims

الوحدة 8: Long-term care insurance 6% من وزن المنهج

Care regulation and support, product types, costs, resources, immediate and future needs and legal authority.

• Care assessment
• Funding options
• Capacity and review

الوحدة 9: Other insurance-based protection 12% من وزن المنهج

Personal accident, private medical, hospital cash, dental, mortgage and payment protection policies.

• Accident and sickness
• Medical and cash plans
• Mortgage and credit protection

الوحدة 10: Evaluate needs and select suitable solutions 12% من وزن المنهج

Consequences, personal and business analysis, product matching, affordability, Consumer Duty, life events, trusts and review.

• Quantification and priorities
• Personal protection
• Business protection

معاينة تفاعلية

أسئلة نموذجية وممارسة مجانية

جرب 15 سؤالاً من Learning Outcome 4

تعرض هذه المعاينة جزءًا واحدًا من الدورة. جرب هذا الاختبار القصير للموضوع، ثم فتح الدورة الكاملة لتحصل على اختبارات محاكاة شاملة وتغطية كاملة.

اختبار سريع

Learning Outcome 4

السؤال 1 من 15

A family income benefit policy pays £18,000 a year. Death occurs with eight years of its term remaining. Ignoring payment timing and commutation, what total income remains payable?

1 / 15

بطاقات استذكار

البطاقة 1 من 10Chapter 1

السؤال

What should an R05 candidate know about Risk transfer?

انقر للقلب ورؤية الإجابة

التعلّم المركّز

المواضيع الهامة للاختبار10

Role of insurance
Consumer attitudes and behaviour
Health and longevity trends
Employment trends
Product design and pricing
Value and availability of advice
1.1.1: Choose which risks to transfer
1.2.1: Attitude is not financial capacity
1.3.1: Health and morbidity trends
1.3.2: Mortality, longevity and the funding horizon

الأخطاء الشائعة لتجنبها3

فخاخ الامتحان3

الأرقام المهمة1

Chapter 1: Market factors and trends in financial protection planning

Why the protection market changes

Protection insurance transfers defined financial risks from a household or business to an insurer. Demand is shaped by household debt, dependants, employment patterns, health, longevity, disposable income and confidence that claims will be paid. A longer life does not remove protection needs: it can extend mortgage terms, caring responsibilities and the period during which illness or incapacity would disrupt income.

Consumers often underestimate both the chance and financial effect of illness, incapacity or death. Behavioural barriers include optimism bias, preference for current spending, uncertainty about products and concern about cost or claims. Advice adds value by turning an abstract risk into a quantified shortfall, comparing existing provision…

افتح كل محتوى التعلّم المركّز

اطّلع على مناطق الاختبار والأخطاء الشائعة وفخاخ الامتحان والأرقام المهمة في جميع الفصول.

أدوات مذاكرة متكيّفة

ركّز على نقاط الضعف، وتعلّم مع التغذية الراجعة، ثم انتقل إلى ظروف الامتحان.

وضعا المذاكرة

تعلّم أولاً، ثم اختبر جاهزيتك.

تعلّم مع التغذية الراجعة، ثم انتقل إلى ظروف الامتحان.

وضع الدراسة

تصحيح وشرح فوري

شاهد الإجابة والشرح بعد كل اختيار.

وضع الامتحان

محاكاة واقعية للامتحان

استخدم المؤقت وأبقِ الإجابات مخفية، ثم راجع نتيجتك.

محتويات باقة التحضير

الميزة	أكاديمية الامتحانات	التفاصيل
فترة الصلاحية	وصول مدى الحياة	تسجيل لمرة واحدة دون رسوم متكررة
الامتحانات التجريبية	محاولات غير محدودة	اختبارات تجريبية وفق نمط الدورة وتوزيع منهجها
دعم دراسي	معلم ذكي 24/7	دعم ذاتي بمعلم ذكي؛ لا يشمل تدريساً مباشراً
التكلفة	$151 (مرة واحدة)	دفعة واحدة دون اشتراك متكرر

ألقِ نظرة على المحتوى قبل الشراء

معاينة دورة CII R05: Financial Protection

الأسئلة الشائعة

R05 is a 60-minute examination containing 50 standard single-answer multiple-choice questions. The standard pass mark is 70%.

The course uses the official 2026/27 R05 syllabus, examination guide and indicative content for examinations from 1 September 2026 to 31 August 2027; stable explanations retained from the prior study-text edition are subordinated to those controls.

R05 covers protection needs, State benefits, life assurance, policy taxation, income protection, critical illness, long-term care, medical and payment protection, and suitable personal and business recommendations.

Yes. Each full mock uses the official 3/3/3/8/6/6/6/3/6/6 question allocation across the ten learning outcomes.

CII lists 50 notional learning hours for R05. Your preparation time will depend on prior protection knowledge and performance in timed practice.

The course is organised around the official R05 syllabus, examination guide and indicative content, with stable explanations retained from the prior study-text edition. Exams Academy is an independent education provider and is not affiliated with or endorsed by the CII.

You receive lifetime access to the current course content with no recurring subscription fee.

No. Results depend on the candidate's study and exam performance. The platform provides structured revision and timed practice to help identify and close knowledge gaps.

نعم! يمكنك اختبار معلوماتك من خلال اختبار CII R05: Financial Protection التجريبي المجاني أدناه، ويضم 15 سؤالاً من موضوع واحد مع شروحات المعلم الذكي. هذه المعاينة ليست اختباراً تجريبياً كاملاً أو تقييماً عاماً للجاهزية.

المزايا الرئيسية

Five Full-Length Mock Exams

Build protection judgement and timing with five complete 50-question practice exams.

✓ Exact official allocation across all ten learning outcomes.
✓ Single-answer format aligned with the official R05 assessment.
✓ Detailed explanations without answer-position shortcuts.

R05-Grounded AI Tutor

Ask questions against the course material whenever a product, tax rule or suitability decision needs clarification.

✓ Compare life, income-protection, critical-illness and care solutions.
✓ Work through ownership, trusts, underwriting and claims.
✓ Uses the official public 2026/27 R05 controls.

Active-Recall Revision

Strengthen recall with 239 flashcards and a 227-item reference sheet.

✓ Focused recall across all 73 current syllabus objectives.
✓ Twenty-four number-recall cards and 28 complete worked examples.
✓ Twelve specific exam traps and close distinctions.

Detailed Chapter Summaries

Turn a broad protection syllabus into structured, outcome-weighted revision.

✓ State benefits, life assurance and taxation.
✓ Income protection, critical illness, care and medical cover.
✓ Personal and business protection recommendations.

تفاصيل الامتحان

نوع التقييم	50 سؤال اختيار من متعدد بإجابة واحدة
المدة الزمنية	60 دقيقة
علامة النجاح القياسية	70%
المستوى	المستوى 3
ساعات الدراسة الموصى بها	50 ساعة
اعتمادات CII	10
معدل النجاح المنشور لعام 2025	80.53%

CII R05 revision built around the 2026/27 syllabus

R05 connects protection risks with product selection, tax, ownership and suitable advice. Candidates must distinguish capital from income needs, compare State and employer provision, understand the operation of life, income-protection, critical-illness, care and medical products, and apply those tools to personal and business scenarios.

This course organises all eleven official study-text chapters into detailed summaries, 239 active-recall flashcards, 227 searchable references including 28 worked calculations and five timed mock exams. The AI tutor is grounded in the R05 learning material so you can clarify product definitions, tax treatment, underwriting, claims and suitability inside the platform.

Practise the official R05 blueprint

The official assessment contains 50 standard single-answer multiple-choice questions in 60 minutes. The first four mocks contain 200 individually written questions, and the fifth mixes them for a further rehearsal. Every full mock follows the exact 3/3/3/8/6/6/6/3/6/6 allocation across the ten learning outcomes, with balanced answer positions and explanations for every question.

The course uses the official 2026/27 syllabus, examination guide and indicative content, with stable explanations retained from the prior study-text edition. Use the chapter tools to secure close distinctions, then complete each full mock under timed conditions and review the explanation for every uncertain answer.

لمن هذه الدورة؟

✓ Candidates taking the CII R05 examination

✓ Financial advisers and paraplanners developing protection knowledge

✓ Professionals working toward the CII Diploma in Regulated Financial Planning

✓ UK financial-services staff supporting personal or business protection advice