Prepare for the SCI-administered CMFAS M9 examination with focused coverage of life-insurance principles, traditional and investment-linked policies, underwriting, claims, contracts, tax and nominations.
Course syllabus information reviewed for 2026. Always check the awarding body’s latest official syllabus and candidate updates before booking or sitting your exam.
CMFAS M9 practice inventory
Your exam preparation path
Preparation for the SCI-administered CMFAS M9 result-slip examination; employers determine the complete CMFAS module combination required for a regulated role.
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Try 15 questions from Life Insurance Principles and Products
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M9 tests life-insurance principles, premium setting, product classification, traditional and participating policies, riders, investment-linked policies and sub-funds, calculations, annuities, underwriting, policy servicing, claims, contracts, agency, income tax, nominations, wills and trusts.
This course turns the 17-chapter scope into 17 detailed summaries, 190 active-recall flashcards, a 447-item searchable reference sheet, five timed 100-question mock exams and an AI tutor grounded in the M9 study material.
The official SCI-administered M9 examination contains 100 multiple-choice questions, lasts 120 minutes and requires 70% to pass. Each mock follows those constants. SCI does not publish chapter weights on the public M9 page, so the course uses a documented practice allocation that gives every chapter coverage without presenting it as an official weighting.
| Assessment | 100 multiple-choice questions in an English-medium, closed-book computer-screen examination |
| Duration | 120 Minutes |
| Standard Pass Mark | 70% |
| Feature | Exams Academy | Details |
|---|---|---|
| Access Period | Lifetime Access | One-time enrollment with no recurring fee |
| Practice Exams | Unlimited Retakes | Five full-length 100-question mock exams |
| Study Support | Instant 24/7 AI Tutor | Self-service AI support; live instructor support is not included |
| Cost | $151 (One-Time) | One-time payment with no recurring subscription |
Practise the official 100-question format under a 120-minute timer with the 70% pass grade applied.
Clarify insurance principles, policy structures, calculations and legal distinctions inside the learning platform.
Move directly between 190 flashcards and a 447-item searchable reference sheet.
Study policy features, benefit triggers, calculations and legal effects without unnecessary filler.
Use the same question bank in two different ways: build understanding with instant feedback, then switch to a realistic simulation when you are ready.
Choose an answer, see immediately whether it is right or wrong, and read the explanation before moving on.
Work against the official-style timer without revealing answers, then review your score and every explanation after submission.
Risk, insurability, personal risks, insurance principles, market structure and relevant organisations.
Mortality, morbidity, investment income, expenses and individual premium factors.
Statutory funds, product types, premium patterns, ownership and group-life structures.
Term, whole-life and endowment policies, contractual options, suitability and disclosure.
Premium waiver, disability, critical illness, payor, accident, hospital and insurability riders.
Guaranteed and non-guaranteed benefits, bonuses, disclosure and participating-fund governance.
ILP structures, pricing, charges, protection, returns, benefits, risks and unit-trust comparison.
Sub-fund structures, fund types, investment policies, switching and monitoring.
Growth, death benefits, allocation, mortality charges, units, withdrawals, surrender and returns.
CPF LIFE, immediate and deferred annuities, payout variations and other life products.
Proposal forms, underwriting factors, evidence, decisions, risk commencement and group underwriting.
Premiums, receipts, alterations, assignment, loans, lapse, reinstatement, surrender and bankruptcy.
Proper claimants, payment without probate, claim types and adviser support.
Contract elements, disclosure, representations, breach, waiver, estoppel and vitiating factors.
Agency creation, duties, rights, authority, ratification and termination.
Taxable, statutory, assessable and chargeable income, reliefs, rebates and SRS treatment.
Nomination types, forms, priority, wills, probate, trusts and intestate distribution.
Preparation centre
Use these connected guides for the syllabus, exam format, booking and revision strategy.
M9 is a 120-minute, English-medium closed-book computer-screen examination containing 100 multiple-choice questions.
The official passing grade is 70%. A correct answer earns one mark, with no mark awarded or deducted for a wrong or blank answer.
The Singapore College of Insurance administers M9 within the CMFAS examination framework.
M9 covers life-insurance principles, traditional and participating policies, riders, ILPs and sub-funds, calculations, annuities, underwriting, policy services, claims, contracts, agency, income tax, nominations, wills and trusts.
No. SCI does not publish M9 chapter weights on its public exam page. The course uses a documented practice allocation so all 17 chapters are represented.
SCI states that candidates receive a result slip and that no official certificate is issued. The Exams Academy completion certificate records completion of this independent preparation course only.
No. Exams Academy is an independent education provider and is not affiliated with or endorsed by SCI or MAS.
You receive lifetime access to the current course content with no recurring subscription fee.
Yes! Test your knowledge and see our AI tutor explanations with the free CMFAS M9 – Life Insurance and Investment-Linked Policies Topic Quiz below. It contains 15 questions from one named topic and is not a full mock exam or overall readiness assessment.
No. CMFAS M9 is administered by SCI and covers life-insurance principles, traditional and investment-linked policies, underwriting, claims, contracts, tax and nominations. Singapore competence requirements are role-specific, so the employing financial institution should confirm whether M9 and any other CMFAS modules apply to the intended representative activity.
Use the official SCI M9 page and SCI registration channel for the current examination schedule, eligibility, fees and booking instructions.
Exams Academy checkout is in US dollars and the card provider converts the charge to SGD. The official SCI examination fee and official study material are separate and are paid through the applicable SCI channel.
🇸🇬 Local market guide
Review the M9 pathway, official booking route and Singapore career context before paying the examination fee.
CMFAS M9 is administered by SCI and covers life-insurance principles, traditional and investment-linked policies, underwriting, claims, contracts, tax and nominations. Singapore competence requirements are role-specific, so the employing financial institution should confirm whether M9 and any other CMFAS modules apply to the intended representative activity.
Monetary Authority of Singapore and Singapore College of InsuranceUse the official SCI M9 page and SCI registration channel for the current examination schedule, eligibility, fees and booking instructions.
View official SCI M9 detailsM9 is relevant to financial-advisory, life-insurance, wealth, underwriting, claims and compliance roles. The employer determines the exact module combination required for the regulated activity.
Exams Academy checkout is in US dollars and the card provider converts the charge to SGD. The official SCI examination fee and official study material are separate and are paid through the applicable SCI channel.
Market-specific reading
Prepare for the SCI CMFAS M9 exam with structured study notes, active practice, flashcards and a course-grounded tutor.
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