Exam Name: Insurance Business and Finance (IBF)
Certification Provider: CII
Corresponding Certification: Certificate in Insurance
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Instant Download CII : M92
Check Updated on: Oct 16, 2026
No. of Questions: 84 Questions & Answers with Exam Engine
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Eyestrain from screens? Adopt original paper study — the CII Insurance Business and Finance (IBF) PDF at PrepAwayPDF is easy to read, print, and annotate: 84 practice questions for the M92 exam.
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 Format: | Multiple Choice |
| Available Languages: | English |
| Passing Score: | 55 |
| Real Exam Qty: | 100 |
| Exam Duration: | 120 minutes |
| Related Certifications: | Diploma in Insurance Advanced Diploma in Insurance |
| Sample Questions: | DOWNLOAD DEMO |
| 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 |
|---|---|---|
| Financial Management of Insurers | 25-30 | - Premium reserves and claims reserves - Financial statements and accounts - Solvency II framework - Capital management and solvency - Investment management |
| Underwriting and Pricing | 20-25 | - Pricing factors and methods - Risk assessment and classification - Underwriting principles and process - Claims handling overview |
| Legal and Regulatory Requirements | 15-20 | - Conduct of business regulation - Prudential regulation - Consumer protection requirements - Data protection and compliance |
| Business Strategy and Operations | 10-15 | - Customer service and relationship management - Strategic planning for insurers - Product development and management - Technology and digital transformation |
| 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 |
CII Insurance Business and Finance (IBF) Exam FAQ — Targeted Answers
GBP 155-180 per attempt, 55 to pass. Retakes cost the full fee, so review targeted — mark your weak spots in the 84 practice questions for the M92 exam at PrepAwayPDF.
The CII Insurance Business and Finance (IBF) blueprint spans 5 domains — including Underwriting and Pricing (20-25), Legal and Regulatory Requirements (15-20), Business Strategy and Operations (10-15). The complete outline above lists every subtopic; our material includes the latest exam content for each.
CII Diploma in Insurance (or equivalent) recommended; no formal prerequisite but foundational insurance knowledge expected Eligibility rules change over time, so verify the current requirements on the official page (official M92 exam page) before registering.
The CII Insurance Business and Finance (IBF) is CII's certification exam for Certificate in Insurance, at the Advanced Diploma level. The certificate is your shining point — an important element in how employers evaluate you. Related credentials include Diploma in Insurance, Advanced Diploma in Insurance.
Yes — download the free CII Insurance Business and Finance (IBF) demo and check the accuracy and clearness yourself. Purchases include 365 days of free updates by email; renew afterward at 50% off.
As an electronic product, the CII Insurance Business and Finance (IBF) material reaches your email about a minute after successful payment — we verify your information to avoid mistakes, and you start reviewing at once, with 24/7 help if nothing arrives within 2 hours. If you fail the corresponding M92 exam within 60 days of purchase, we refund the full amount: send a scanned enrollment slip plus the official Score Report PDF within 2 days of the exam, processed within 7 days. Excluded: exams within 3 days of purchase, candidate names that don't match the payer, and free or expired products. Or exchange for two equal-value products free.
120 minutes for 100 questions. Build pacing in the PrepAwayPDF SOFT or APP test engine — simulation makes the real clock familiar.
CII Insurance Business and Finance (IBF) Sample Questions:
Guidance given to a specific insurer by the PRA relating to the amount and quality of financial resources which it should hold in terms of capital requirements is termed
- A. Individual Capital Guidance.
- B. A Key Risk Indicator.
- C. The Combined Operating Ratio.
- D. The Solvency Coverage Ratio.
Correct Answer: A 🗳️
Explanation: Only visible for PrepAwayPDF members. You can sign-up / login (it's free).
An international composite insurer is drafting its annual report. In accordance with the Companies Act 2006, what is the position regarding the inclusion of a chairman's statement in this report?
- A. It must be signed by the chief actuary.
- B. It is optional in all circumstances.
- C. It is only required if the company is listed on the London Stock Exchange.
- D. It is a mandatory requirement for all composite insurers.
Correct Answer: B 🗳️
Explanation: Only visible for PrepAwayPDF members. You can sign-up / login (it's free).
A lower liquidity calculation indicates that since last year the insurer's liquidity has...?
- A. remained stable.
- B. no longer needs to be reported.
- C. deteriorated.
- D. improved.
Correct Answer: C 🗳️
Explanation: Only visible for PrepAwayPDF members. You can sign-up / login (it's free).
A balance sheet records a company's
- A. profit or loss for the year.
- B. budget versus actual variances.
- C. NET financial position.
- D. cash inflows and outflows.
Correct Answer: C 🗳️
Explanation: Only visible for PrepAwayPDF members. You can sign-up / login (it's free).
The financial strength of an insurance company as measured by a ratings agency is always
- A. an endorsement of the company's ethical culture.
- B. a measure of its ability to pay claims.
- C. a guarantee of the company's future stock price performance.
- D. a forward-looking forecast of premium growth.
Correct Answer: B 🗳️
Explanation: Only visible for PrepAwayPDF members. You can sign-up / login (it's free).
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