Step 1 – Registration

To access CMFAS Academy’s content, you need to sign up for a free account. Our free content includes bite-sized explainer videos. You can log in directly using your Facebook or Google account, or create an account using your e-mail address.

Step 2 – Subscribe to a learning package!

Head over to the Subscribe section and pick a suitable package for each exam you need to pass.

We have four packages to suit different needs, namely Basic, Success, Elite, and Biz.

The Basic package gives you access to all the practice questions for the specific exam. You can do them unlimited times during the subscription period, and they come with answers. Most come with a reference back to the official study guide as the explanation.

Practice questions help you discover weak pockets of understanding so you can cover the learning gaps.

On top of what the Basic package offers, the success package gives you access to E-Learning tutorials. Learners can go through the tutorials at their own pace. The success package also offers the Pass Guarantee.

What does Pass Guarantee mean? If you fail the exam for the first time, we will reimburse your re-test fee in full. If you miraculously fail again, which happens to only 1 out of 100 candidates, we will refund you your money!

Next, we have the Elite package. The Elite package gives you access to an additional product, called “Mathathon”. Mathathon generates infinite unique practice questions for Math-related topics to provide you with ample math practices.

Mathathon is a patent-pending cutting-edge innovation and is only available for exams that contain Math topics. The elite package is the most popular package and is of the most value.

Lastly, we have the Biz package. The Biz package offers everything plus an online coach. You can consult the coach regarding the exam, such as seeking clarification or a walk-through of a calculation.

You can subscribe to multiple packages at the same time to enjoy a discount.

Apart from the 1-month access for the basic package, all other packages give you access for two months. The 2-month period is for each package and is activated only upon the date of first use.

For example, if you have subscribed for two packages for M5 and M9, you can start preparing for M5, and the subscription for M9 would not begin until you begin accessing content for M9.

Step 3 - Start Learning!

First, go through the E-Learning tutorials at your own pace. Then, do the practice questions that are grouped by chapters to test your understanding. If you notice weak spots, refer to the study guide provided by IBF/SCI for a detailed explanation. We recommend using the PDF format of the study guide because you can press the Control plus F key to use the “Search” function.

If there are practice question sets marked as “Premium,” do them only when you are ready to take the exam. Time yourself and use the “Exam Mode” so you do not get marked instantly as in the “Learning Mode”.

If your package is Success and above, you are eligible for Pass Guarantee. There are three conditions for Pass Guarantee. You must use the E-Learning, clear 90% of the practice questions for that exam, and be punctual for the exam, taken while your package is still valid.

To clear a question means you have answered it correctly at least once. For example, if there are 500 practice questions for your package, there must not be more than 50 questions that you had never answered correctly before.

Step 4 – Exam Day

If the exam requires you to bring a calculator, make sure yours is in working condition and it is the allowed type and model. Plan to arrive early for the exam because the exam centre will deny entry to latecomers! The pass guarantee eligibility will be void if you are late for the exam.

After you pass your exam, do drop us a thank-you note! We’ll greatly appreciate it!

In the unlikely event that you fail the exam, please e-mail us the result slip. Schedule your re-test, then send us a copy of the receipt. We will reimburse your re-test fee by doing a partial refund of your payment.

In the very unlikely event that you fail a second time, we will refund you the balance. We don’t deserve to earn a single cent for the package you signed up for.

For example, Adam subscribed to the Elite package at $350. He has used the E-Learning, cleared at least 90% of the practice questions, and turned up punctually for the exam. However, he failed the exam and the re-test fee was $150.

Adam received a partial refund of $150 as a reimbursement for the re-test fee.

Somehow, Adam failed again for the re-test. Such an occasion is very rare. Adam will receive a refund of $200, because he had paid $350, minus $150 that was already refunded.

Pitfalls to avoid

We strongly discourage candidates from starting on more than one exam package simultaneously. Instead of overloading your brain, focus on one exam and pass it before moving on to the next.

Do not try to memorize the question or answers to practice questions. You should learn and understand the topic.

Lastly, do not use un-dated materials downloaded from the Internet. Exams update regularly, so you must use the most current materials.

Yes! Yes! Yes! We monitor for updates EVERYDAY! Once SCI College or IBF updates the study guide, we will update our content accordingly. Practice questions are usually updated quicker than E-Learning.

Each package comes with either 1 or 2 months access, which starts counting only when you begin to use the product, or 3 months after purchase, whichever is earlier. The cost of a subscription package ranges from $199 to $700. Please visit the Pricing Info page for more info.

If you need an extension on the access, feel free to contact us.

Like assessment books, every set contains different questions. In most cases, one set only cover one part of the syllabus. Questions in normal sets are usually written according to the sequence in the official study guides, and aids you in practising and learning with depth of the covered chapters.

Premium sets do not follow such sequence, and due to the limited number of questions covering the entire syllabus, you do not get sufficient depth by practising on it although the quality of questions is relatively higher.

In a nutshell, normal sets are good for practising and learning. We encourage you to practise on normal sets, and then evaluate yourself using Premium sets.

All our practice questions come with answers and most of them come with reference points to the official study guide or formulas as the explanation. The questions are written to test your knowledge on the examinable syllabus.

Past users did ever claim that some of our questions appeared in the actual exam, but "leaked questions" is just a myth.

Yes, we are confident that you will pass on the first attempt and we even offer a Pass Guarantee!

Statistic shows that between Oct 2015 to Oct 2016, a whopping 95.5% of our customers who signed up for Success / Elite or Biz package and met the conditions of the Pass Guarantee passed on their first attempt!

If you have done your best by using our products but yet still fail the exam, we will reimburse your re-test fee and provide more assistance towards your re-test. If you do miraculously (1.1% possibility, according to statistic) fail again, we refund you the balance!

Users must meet the following conditions in order to be eligible for the guarantee:
1) Clear at least 90% of the mock exam questions.
2) Complete the instructional E-Learning course.
3) Turn up punctually for the exam, taken no more than 2 days after expiry of package.

Re-test reimbursements are capped at $200. In the unlikely event that you need to file a claim, please contact us.

You will be assigned an online mentor with whom you will have direct contact via email or Skype. You can consult him/her any question regarding the exam or syllabus.

You may pay by Visa, MasterCard, Paypal or eNets Debit (iBanking). Our site supports SSL, the industry standard encryption.

It is usually almost immediate, but do allow up to 5 minutes before you contact us about a missing subscription. Remember to attach your proof of purchase!

Each subscription is a single end-user licence for that specific exam meant for your personal use only. Sharing of account or copying our content constitutes copyright infringement!

There is an Exclaimation marked icon on the bottom right hand corner of the Test Engine for you to report erroneous questions. Due to wrongful reporting, please refer to the latest official study guide and provide supporting reference.

For issues relating to the actual exams or lost certificates, please refer to the respective examination body. SCI College (www.scicollege.org.sg) oversees CMFAS M5/M8/M8A/M9/M9A and Health Insurance exam, while IBF (www.ibf.org.sg) oversees other CMFAS exams, as well as the CACS and FMRP papers.

Each "case study" is basically a scenario or context, accompanied by three or more questions pertaining to that context. You may see several of our questions based on the same context - those are case study questions :)