Exam Name: Insurance Business and Finance (IBF)
Certification Provider: CII
Corresponding Certification: Certificate in Insurance
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Instant Download CII : M92 Questions & Answers as PDF & Test Engine
Updated: Oct 29, 2026
No. of Questions: 84 Questions & Answers with Testing Engine
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- Total Questions: 84
- Updated on: Oct 29, 2026
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- Total Questions: 84
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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 Format: | Multiple Choice |
| Certificate Validity Period: | No expiry (once passed) |
| Available Languages: | English |
| Passing Score: | 55 |
| Real Exam Qty: | 100 |
| Exam Duration: | 120 minutes |
| Exam Price: | GBP 155-180 |
| 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 |
|---|---|---|
| Topic 1: Business Strategy and Operations | 10-15 | - Technology and digital transformation - Customer service and relationship management - Product development and management - Strategic planning for insurers |
| Topic 2: The Insurance Market and Business Environment | 20-25 | - Market competition and segmentation - Structure of the insurance market - Insurance intermediaries and distribution channels - Regulatory and legal framework |
| Topic 3: Financial Management of Insurers | 25-30 | - Solvency II framework - Capital management and solvency - Premium reserves and claims reserves - Investment management - Financial statements and accounts |
| Topic 4: Underwriting and Pricing | 20-25 | - Pricing factors and methods - Risk assessment and classification - Underwriting principles and process - Claims handling overview |
| Topic 5: Legal and Regulatory Requirements | 15-20 | - Prudential regulation - Conduct of business regulation - Consumer protection requirements - Data protection and compliance |
Frequently Asked Questions: CII Insurance Business and Finance (IBF) Preparation
TestKingFree refunds you in full if you take the CII Insurance Business and Finance (IBF) exam within 60 days of purchase and do not pass. The policy does not apply if the exam is taken within 3 days of purchase, if the exam was never actually taken, or to free materials or expired orders, and the candidate name must match the payer name. Submit a scan of your enrollment slip and the official Score Report PDF within 2 days of the exam; claims are processed within 7 days. Alternatively, exchange for two free exam products of equal value and keep your original update service. Delivery is by email within 1 minute of purchase — contact support if nothing arrives within 2 hours.
The M92 exam is a CII certification exam covering the CII Insurance Business and Finance (IBF) syllabus shown above. It forms part of these credential paths: Diploma in Insurance, Advanced Diploma in Insurance. Most candidates are working people studying around jobs and families, which is why TestKingFree built its 84 practice questions for fragmented schedules — PDF, Desktop Test Engine, and Online Test Engine formats included.
Computer-Based Testing (CBT) at Pearson VUE centres or Paper-based (where available) Register for the CII Insurance Business and Finance (IBF) exam through these official channels:
Once your date is confirmed, your TestKingFree practice questions arrive by email within 1 minute, so the study clock starts immediately.
The official CII Insurance Business and Finance (IBF) outline divides the exam into 5 domains, the largest being Underwriting and Pricing (20-25), Financial Management of Insurers (25-30), and Legal and Regulatory Requirements (15-20). The full list is in the topics section above, and TestKingFree's 84 practice questions address every domain in it.
Registration for the CII Insurance Business and Finance (IBF) exam costs GBP 155-180, and the passing score is 55. Retaking means paying the fee again, so check your level with the TestKingFree engines before you commit to a date.
Everything needed to start the minute your order arrives: 84 practice questions for the CII Insurance Business and Finance (IBF) exam in three formats — a printable, expert-prepared PDF with instant download; a Desktop Test Engine for Windows that simulates the real exam with two practice modes and works offline; and an Online Test Engine for any browser on Windows, Mac, Android, and iOS with test history and performance review. Also included: a free demo, 365 days of free updates, a 50% renewal discount afterward, unlimited installations, and remote installation guidance from professional IT staff if you need it.
CII recommends these training resources for the CII Insurance Business and Finance (IBF) exam:
Reinforce the training with the 84 practice questions from TestKingFree — short, frequent sessions fit working schedules better than marathon weekends.
CII Diploma in Insurance (or equivalent) recommended; no formal prerequisite but foundational insurance knowledge expected Since requirements can change, confirm the current version on the official CII exam page before scheduling.
The CII Insurance Business and Finance (IBF) exam contains 100 with a limit of 120 minutes. That is tight pacing — rehearse it in the TestKingFree Desktop Test Engine's timed mode until it feels natural.
CII Insurance Business and Finance (IBF) Sample Questions:
What information is used to calculate the return on equity?
- A. Operating cost and investment income.
- B. Net written premium and total assets.
- C. Profit after tax and capital.
- D. Gross claims incurred and technical reserves.
Correct Answer: C 🗳️
Explanation: Only visible for TestKingFree members. You can sign-up / login (it's free).
Joe should advise the Board that if the IT department is to fulfil its role within the company, it must do what?
- A. Maintain legacy systems without replacement
- B. Operate independently from business units
- C. Focus exclusively on reducing IT costs
- D. Make a proactive contribution to the development of business strategy
Correct Answer: D 🗳️
Explanation: Only visible for TestKingFree members. You can sign-up / login (it's free).
Which document best gives an indication of a company's liquidity?
- A. The income statement.
- B. A cash flow statement.
- C. The directors' report.
- D. The balance sheet.
Correct Answer: B 🗳️
Explanation: Only visible for TestKingFree members. You can sign-up / login (it's free).
What is shown respectively on a company's income statement and balance sheet?
- A. Both statements show the company's cash flows and net income.
- B. The income statement shows the financial position at a point in time and the balance sheet shows transaction results over the accounting period.
- C. The income statement shows the results of transactions during the accounting period and the balance sheet shows the financial position at a particular point in time.
- D. The income statement records assets and liabilities, the balance sheet records revenue and expenses.
Correct Answer: C 🗳️
Explanation: Only visible for TestKingFree members. You can sign-up / login (it's free).
In what principal way has the UK's legal system influenced the growth of the international insurance market?
- A. Many international insurance case precedents have been developed under English law.
- B. By requiring all international claims to be settled in London courts.
- C. By providing tax incentives for foreign insurers.
- D. Through the mandatory use of the London Market Group.
Correct Answer: A 🗳️
Explanation: Only visible for TestKingFree members. You can sign-up / login (it's free).
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