The M9 mock exam & question bank
M9 (CM-LIP Part 1) is the CMFAS life insurance paper covering insurance principles, life policy types, and the law and regulation behind life insurance. Most of the syllabus is principles rather than product detail.
A representative recommends an investment-linked policy to a client. Under the Financial Advisers Act, what must the representative do before the client commits to the purchase?
Pass mark
70%
Format
Multiple-choice questions
Registration
Singapore College of Insurance (SCI)
Question bank
1,000+ questions
Official M9 exam fee (paid to Singapore College of Insurance (SCI)): S$150-250 incl. GST. Always confirm the current fee and pass mark with Singapore College of Insurance (SCI) before booking.
What makes M9 tricky
Many policy types to keep straight
Term life, whole life, endowment, and investment-linked policies all appear. It is easy to confuse their features under pressure.
Hard to find your weak chapters
The syllabus is large and principle-heavy. Without analytics you waste study time on topics you already know instead of your real gaps.
Application questions, not just definitions
The exam does not just ask what an ILP is. It asks you to apply it to a client's needs.
What M9 covers
- Principles of life insurance
- Risk and the law of insurance contracts
- Term life, whole life and endowment policies
- Investment-linked policies (ILPs)
- Premiums and policy values
- Insurance law and regulation
- Needs-based selling and suitability
How to prepare for M9 with CMFAS Prep
The same practice loop candidates use to walk in ready and pass on the first try.
Practice that targets your weak chapters
After each mock exam the engine reviews every answer, finds the chapters you scored lowest in, and builds a quiz from just those topics. You spend your time where it moves your score.
- Targeted practice built in seconds
- Adapts as your scores change
- Focuses on the chapters costing you marks
Instant feedback and a clear explanation every time
Learn as you practise. Every question gives an immediate right or wrong mark with a plain-English explanation, so the concept sticks the first time instead of on exam morning.
- Immediate right or wrong feedback
- A clear explanation for every question
- Less time re-reading dense notes
A mock that feels like the real paper
Sit a full paper under the official timing and question style, with results shown only at the end. You walk into the real exam already knowing how it feels and where you stand.
- Matches the official timing and structure
- Answers revealed only after you submit
- Builds the stamina a full paper needs
Don't just practise. Prepare the smart way.
Advisers who passed M9
The winning formula.
“Passed M9 on the first attempt. The Quick Guide plus ten rounds of practice questions was the winning formula. Worth every cent of S$89.90, and a must for aspiring financial advisers.”
Bryan T.
Passed M9
Says it all.
“Failed once with mock papers. Passed with CMFAS Prep. Says it all.”
Xin Y.
Resitter, passed M9 & M9A
“The questions closely mirrored the actual exam. My preparation was more than sufficient using only the materials on CMFAS Prep.”
Lim Ke L.
Passed RES 5, M9, M9A & HI
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CM-LIP, CM-CIS, the GI bundle, or pick any 2 exams.
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The complete package to get fully certified.
3 months access
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- Full access to RES 5, M9, M9A & HI
- Unlimited practice
- Always up-to-date 2026 syllabus
- Clear, simple explanations for every question
- Pass Guarantee included
Free M9 guides
Use these free guides to plan your study and master the toughest topics.
Prepare with us and pass, or study free until you do.
Every plan includes the Pass Guarantee. It is on the platform, not buried in fine print, because we would rather earn your result than your refund request.
- 1
Complete at least two full mock exams on the platform.
- 2
If you still don't pass your official exam, email us a photo of your result slip.
- 3
We extend your access by another month, free, so you can go again.
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M9 questions, answered
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Practise on real exam-style questions, fix your weak chapters, and sit the paper with no surprises.