Download CII : M92 Questions & Answers as PDF & Test Software
Updated: Jul 22, 2026
No. of Questions: 84 Questions & Answers with Testing Engine
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CII M92 Exam Overview:
| Certification Vendor: | CII (Chartered Insurance Institute) |
| Exam Name: | Insurance Business and Finance (IBF) |
| Exam Number: | M92 |
| Exam Price: | GBP 155-180 |
| Certificate Validity Period: | No expiry (once passed) |
| Exam Duration: | 120 minutes |
| Available Languages: | English |
| Passing Score: | 55 |
| Exam Format: | Multiple Choice |
| Related Certifications: | Diploma in Insurance Advanced Diploma in Insurance |
| Real Exam Qty: | 100 |
| Sample Questions: | CII M92 Sample Questions |
| Exam Way: | Computer-Based Testing (CBT) at Pearson VUE centres or Paper-based (where available) |
| Pre Condition: | CII Diploma in Insurance (or equivalent) recommended; no formal prerequisite but foundational insurance knowledge expected |
| Official Syllabus URL: | https://www.cii.co.uk/qualifications/m92-insurance-business-and-finance/ |
CII M92 Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Underwriting and Pricing | 20-25 | - Risk assessment and classification - Claims handling overview - Underwriting principles and process - Pricing factors and methods |
| Topic 2: Legal and Regulatory Requirements | 15-20 | - Conduct of business regulation - Consumer protection requirements - Data protection and compliance - Prudential regulation |
| Topic 3: Financial Management of Insurers | 25-30 | - Capital management and solvency - Solvency II framework - Investment management - Financial statements and accounts - Premium reserves and claims reserves |
| Topic 4: The Insurance Market and Business Environment | 20-25 | - Structure of the insurance market - Insurance intermediaries and distribution channels - Regulatory and legal framework - Market competition and segmentation |
| Topic 5: Business Strategy and Operations | 10-15 | - Technology and digital transformation - Product development and management - Strategic planning for insurers - Customer service and relationship management |
CII Insurance Business and Finance (IBF) Sample Questions:
1. When an insurance company seeks to play a role in society via sponsorship and community projects, this is known as
A) a stakeholder perspective.
B) horizontal diversification.
C) codified management.
D) vertical integration.
2. The balanced scorecard approach to measuring organisation performance has four perspectives. What are the four perspectives recommended by this approach?
A) Shareholder; policyholder; employee; supplier.
B) Regulatory; solvency; liquidity; profitability.
C) Financial; internal business processes; learning & growth; customer.
D) Planning; organising; leading; controlling.
3. To whom is financial accounting most useful?
A) The internal audit team.
B) Stakeholders.
C) Regulators only.
D) The underwriting department for technical pricing.
4. An insurer holds claims details on an ex-policyholder. When would the requirements of the Data Protection Act 1998 stop applying to this information?
A) Upon the death of the policyholder.
B) Immediately upon the sale of the policy to another insurer.
C) After five years of policy termination.
D) When the policyholder reaches retirement age.
5. When looking at the financial strength of an insurance company, a rating agency's methodology takes into account the company's capital adequacy which represents its
A) the number of policies in force.
B) its total gross premium income only.
C) the market share in its chosen lines.
D) quality and level of capital required to run the business.
Solutions:
| Question # 1 Answer: A | Question # 2 Answer: C | Question # 3 Answer: B | Question # 4 Answer: A | Question # 5 Answer: D |
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