M9 Mock Exam Practice Questions (2026 Syllabus)
M9 (Life Insurance and Investment-Linked Policies) is the core life insurance paper: policy types, provisions, underwriting and claims. Drill by chapter, then run full timed simulations built like the real SCI computer-based exam.
- Questions
- 430+
- Chapters
- 17
- Exam Mode
- 100 Q · 120 min
- Pass mark
- 70%
Official M9 fee: S$130.80, paid to SCI, no retake discount. Prep for a fraction of one failed sitting.
Three real M9 questions from the bank. Answer them.
Pick an answer and you get instant feedback plus the worked explanation, exactly how Study Mode works inside. Drawn from three different chapters.
A wealthy sole breadwinner wants the largest possible death benefit at the lowest cost, purely to protect his young children until they become financially independent. Which type of policy best meets this need?
Everything in the M9 plan
- 430+ original M9 exam-style questions across 17 chapters — every one with a worked explanation
- Study Mode: answer, see the correct option and the why, move on
- Exam Mode: 100 questions in 120 minutes, scored like the real paper
- Per-chapter scores after every attempt, so you know what to drill next
- Free weekly face-to-face revision classes in central Singapore
- WhatsApp support from trainers, Singapore hours
- 2 months access, one-time payment, no subscription
Full M9 question bank, Study and Exam Mode, chapter analytics, free classes. Pay by PayNow or card. Access is instant.
Get M9 practice — S$45Sitting more than one paper? All four (RES 5, M9, M9A, HI) for S$110 →
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Students who passed with PassFirst
Every review below is from a real student whose result slip we have sighted. No illustrative or placeholder reviews.
“Signed up, got my login straightaway, and just started practising. The questions are very close to the style of the actual paper, and the explanations are short and clear. Revising for RES 5 felt so much less stressful with a proper system behind it.”
“Really simple to use — I did my practice on my phone whenever I had pockets of time. Every question comes with an explanation, so I actually understood my mistakes instead of just memorizing answers. The weak-chapter tracking told me exactly what to revise before the real paper.”
“The interface is clean — no clutter, just questions, a timer and clear explanations. Simulation mode felt exactly like the real computer-based exam, so there were no surprises on the day itself. I walked in prepared instead of hoping for luck.”
M9 exam format
| Questions | 100 multiple-choice |
|---|---|
| Duration | 120 minutes |
| Pass mark | 70% |
| Official fee | S$130.80 (non-member incl. GST, paid to SCI — no retake discount) |
What the M9 exam tests
- Life insurance policy types — term, whole life, endowment and universal life
- Investment-linked policy basics and who bears the investment risk
- Participating policies, bonuses and what vesting means
- Policy provisions: incontestability, grace period, reinstatement and non-forfeiture
- Premiums, underwriting and the claims process
M9 questions candidates ask
What is the M9 exam format?
100 multiple-choice questions over 2 hours, computer-based, with a pass mark of 70%. It is administered by the Singapore College of Insurance (SCI).
How much does the M9 exam cost?
S$130.80 per attempt (non-member, incl. GST), paid to SCI. There is no retake discount — every attempt costs the full fee.
What is the difference between M9 and M9A?
M9 covers life insurance fundamentals plus ILP basics; M9A is the dedicated ILP deep-dive — sub-funds, charges, switching and suitability. Advisers on the life-insurance path typically need both, which is why our Combo plan covers any two modules for S$75.
Are these actual M9 exam questions?
No. Every question is original and exam-style, aligned to the current SCI study text, with a full worked explanation of why the right answer is right and the wrong ones are wrong.
Can I prepare for M9 and M9A together?
Yes — that is the most common pairing. The Combo plan (any 2 modules, S$75, 3 months access) covers both papers, and both are in the free weekly class rotation.
Start drilling M9 in the next two minutes
S$45 once for 2 months. A failed M9 sitting costs S$130.80 and a month of your time.