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CII M92 : Insurance Business and Finance (IBF)
Exam Code: M92
Exam Name: Insurance Business and Finance (IBF)
Updated: Oct 28, 2026
Q & A: 84 Questions and Answers
M92 Free Demo download
Different candidates prepare differently, which is why the CII Insurance Business and Finance (IBF) bank comes in three versions with the same content. On PassTorrent, you choose the format that fits how you study, not someone else's habit.
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 |
| Real Exam Qty: | 100 |
| Exam Duration: | 120 minutes |
| Related Certifications: | Diploma in Insurance Advanced Diploma in Insurance |
| Certificate Validity Period: | No expiry (once passed) |
| Exam Format: | Multiple Choice |
| Available Languages: | English |
| Passing Score: | 55 |
| 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: Financial Management of Insurers | 25-30 | - Investment management - Solvency II framework - Capital management and solvency - Financial statements and accounts - Premium reserves and claims reserves |
| Topic 3: The Insurance Market and Business Environment | 20-25 | - Insurance intermediaries and distribution channels - Structure of the insurance market - Regulatory and legal framework - Market competition and segmentation |
| Topic 4: Business Strategy and Operations | 10-15 | - Technology and digital transformation - Product development and management - Strategic planning for insurers - Customer service and relationship management |
| Topic 5: Legal and Regulatory Requirements | 15-20 | - Consumer protection requirements - Prudential regulation - Data protection and compliance - Conduct of business regulation |
M92 Exam FAQ
The package includes 84 practice questions for the M92 exam, all with verified answers. The same content is available in three formats, so you can switch freely.
The M92 exam contains 100 questions to complete within 120 minutes minutes. Rehearsing under the same limit on the simulator builds calm, automatic pacing.
The PDF reads on phones, tablets, and computers, and it prints cleanly for candidates who like marking notes on paper. The PC file is an interactive simulator that makes rehearsal engaging. The online file is the updated edition of the PC version: intelligent functions, real-test simulation, and no limit on installation devices. All three carry the same questions and answers.
CII Diploma in Insurance (or equivalent) recommended; no formal prerequisite but foundational insurance knowledge expected
- Financial Management of Insurers (25-30)
- Legal and Regulatory Requirements (15-20)
- The Insurance Market and Business Environment (20-25)
Plan your hours according to each topic's weight.
M92 requires 55 to pass, and the official exam fee is GBP 155-180. Fixing both numbers early keeps your practice target and your budget on the same page.
Before you buy, our team answers any question about the CII Insurance Business and Finance (IBF) material, and the free demo lets you test it. After payment, the files reach your email within seconds, updates follow by email whenever the exam changes, and we protect your personal information throughout. Promotions appear on our homepage from time to time, so regular visitors often buy at a better price.
CII Insurance Business and Finance (IBF) Sample Questions:
Question #1
How will a recent acquisition of the subsidiary be shown on the insurer's cash flow statement?
- A. As a cash outflow from investment activities.
- B. As a financing inflow.
- C. It is not shown on the cash flow statement.
- D. As an operational income.
Correct Answer: A 🗳️
Explanation: Only visible for PassTorrent members. You can sign-up / login (it's free).
Question #2
An insurer is establishing its claims reserving policy on a discounted claims basis. This confirms that...
- A. all claims will be paid more quickly
- B. investment income is being taken into account
- C. the insurer is insolvent
- D. the reserve will be larger than an undiscounted reserve
Correct Answer: B 🗳️
Explanation: Only visible for PassTorrent members. You can sign-up / login (it's free).
Question #3
An insurer intends to assess its position via a use test, to comply with proposed changes in regulations. This forms part of the rules relating to
- A. anti-money laundering.
- B. claims reserving.
- C. capital adequacy.
- D. financial accounting standards.
Correct Answer: C 🗳️
Explanation: Only visible for PassTorrent members. You can sign-up / login (it's free).
Question #4
The company's liquidity ratio will show the relationship of
- A. liabilities to cash and investments.
- B. assets to liabilities.
- C. technical provisions to earned premium.
- D. return on equity to cost of capital.
Correct Answer: A 🗳️
Explanation: Only visible for PassTorrent members. You can sign-up / login (it's free).
Question #5
What information must be used to calculate the return on equity?
- A. Operating costs and investment income
- B. Gross written premium and net income
- C. Profit after tax and capital
- D. Total assets and total liabilities
Correct Answer: C 🗳️
Explanation: Only visible for PassTorrent members. You can sign-up / login (it's free).
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