CII Insurance Business and Finance (IBF) - M92

CII M92 test insides dumps
  • Exam Code: M92
  • Exam Name: Insurance Business and Finance (IBF)
  • Updated: May 31, 2026
  • Q & A: 84 Questions and Answers
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About CII Insurance Business and Finance (IBF) : M92 exam dumps

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CII Insurance Business and Finance (IBF) Sample Questions:

1. The financial strength of an insurance company as measured by a ratings agency is always

A) a forward-looking forecast of premium growth.
B) a guarantee of the company's future stock price performance.
C) a measure of its ability to pay claims.
D) an endorsement of the company's ethical culture.


2. An insurer is establishing its claims reserving policy on a discounted claims basis. This confirms that...

A) investment income is being taken into account
B) the insurer is insolvent
C) the reserve will be larger than an undiscounted reserve
D) all claims will be paid more quickly


3. A company wishes to improve communication across the business. What is this LEAST likely reason for this?

A) To improve cross-functional collaboration.
B) To enhance employee engagement.
C) To support the implementation of a new strategy.
D) Regulatory compliance.


4. The chief executive officer of a large insurance company wishes to review its solvency margin. From which financial document will he obtain the necessary information?

A) Balance sheet
B) The management accounts
C) The income statement
D) The statement of cash flows


5. What is the most likely explanation for the company's return on capital employed being lower than its competitors if they have a good combined ratio?

A) Poor investment returns.
B) Lower expense ratio.
C) Higher solvency margin.
D) Higher premium retention.


Solutions:

Question # 1
Answer: C
Question # 2
Answer: A
Question # 3
Answer: D
Question # 4
Answer: A
Question # 5
Answer: A

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