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CMFAS M9 Life Insurance & ILP｜Complete Exam Prep Guide
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775 題 8/8/2026
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Free CMFAS M9 practice with answers and explanations. Covers traditional life products, investment-l…
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免費體驗 20 題Mr. Tan has purchased several insurance policies from a single insurer, with a total sum assured of S$1 million. What is a crucial point he should be aware of?
Life insurance products are generally not categorised based on which of the following?
During an ILP premium holiday, units may continue to be cancelled. Which ongoing deduction most directly pays for the policy's continued insurance protection?
In an annuity, what is the term for the interval between the first premium payment and the commencement of payments to the annuitant?
In an ILP charging structure, what does a back-end load most commonly refer to?
Which of the following best defines the concept of 'Dollar Cost Averaging'?
___________ funds are typically structured as closed-end funds, meaning they have a limited subscription period and a fixed maturity date.
A policy owner made a revocable nomination on his whole life policy with a sum assured of $100,000, naming his church as beneficiary. Upon his death, the insurer paid the sum assured to the church. It was later discovered that the deceased had an estate debt of $1 million. The estate creditor sued the estate and won. In this situation, the church will be considered a _____________ and must return the proceeds to the rightful owner—the estate creditors.
What right does a convertible term-insurance option ordinarily provide, subject to the policy's stated conversion limits?
In a regular premium Investment-Linked Policy, how does the level of insurance protection affect the cash value?
In an Investment-Linked Policy, 'Initial Sales Charge' and 'Surrender Charge' correspond to which of the following?
Mr Yan has annual earned income of $42,000 and employee CPF contributions of $8,400. He paid $1,000 of qualifying life-insurance premiums and is entitled to $1,000 of earned-income relief. Ignoring all other items, what is his chargeable income under the stated figures?
A life-policy application misstated the insured's age. What is the sound general principle for handling the error?
An un-nominated policy pays a $100,000 death benefit. The insurer receives a facially valid claim from the deceased's brother, who is a “proper claimant”, and pays him in good faith under section 150 of the Insurance Act without probate. If the wife later claims the same benefit, what is the insurer's position?
Mrs. Tang holds a $100,000 whole life policy with a 60% Acceleration Critical Illness (CI) rider and a $100,000 Accidental Death Benefit (ADB) rider. She is diagnosed with a critical illness covered by the CI rider, and the claim is approved. Which of the following statements is false?
Your client purchased a Whole Life policy with a sum assured of $100,000 at age 30, along with the following riders: a Level Term rider of 1 times the basic sum assured, and a Critical Illness rider of 2 times the basic sum assured. If he contracts one of the covered critical illnesses, how much will the insurer pay?
For all calculation questions in this set, use the interest table from the textbook to compute the answers, where applicable. Consider the following details for a Single Premium Investment-Linked Policy: Single Premium = $25,000, Offer price = $1.40, Bid-offer spread = 5% throughout, Policy fee = $100, Administrative fee & Mortality charge = 3% of single premium, and the plan grows at 7% per annum throughout. Assumption: All fees and charges are deducted by cancelling units at the inception of the policy. How many units are allocated to the policy?
For all calculation questions in this set, use the interest table from the textbook to compute the answers, where applicable. Consider the following details for a Single Premium Investment-Linked Policy: Single Premium = $25,000, Offer price = $1.40, Bid-offer spread = 5% throughout, Policy fee = $100, Administrative fee & Mortality charge = 3% of single premium, and the plan grows at 7% per annum throughout. Assumption: All fees and charges are deducted by cancelling units at the inception of the policy. The client wants to withdraw $8,500 seven years later. How many units will be cancelled?
For all calculation questions in this set, use the interest table from the textbook to compute the answers, where applicable. Consider the following details for a Single Premium Investment-Linked Policy: Single Premium = $25,000, Offer price = $1.40, Bid-offer spread = 5% throughout, Policy fee = $100, Administrative fee & Mortality charge = 3% of single premium, and the plan grows at 7% per annum throughout. Assumption: All fees and charges are deducted by cancelling units at the inception of the policy. The client wants to surrender the plan at the end of the 15th year, assuming he has 13,246 units. What is the surrender value?
A Regular Premium Investment-Linked Policy (ILP) has 300 units remaining at the end of the second year. At the start of the third year, a premium of $3,000 is paid with a 70% allocation rate. Given an offer price of $1.20 and a 5% bid-offer spread, calculate the total accumulated units in the policy.
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1
Life insurance contracts are founded on the principle of 'Uberrima fides'. This principle …
最多人誤揀：the proposer has the right to cancel any contract terms that…
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2
Where court authority is required to administer estate assets under a valid will, what gra…
最多人誤揀：Deed poll
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3
In which death claim is a Coroner's finding most likely to be materially relevant to the i…
最多人誤揀：A clerical uncertainty over the insured's age alone
85% 作答者揀咗呢個錯誤選項 · 此題累計 448 次作答
4
Insurance buyers are those who require insurance coverage. They include:
最多人誤揀：Only individuals and sole proprietors, since companies self-…
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5
The parties to an agency agreement may terminate the agency by way of:
最多人誤揀：ratification by the principal
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