Frequently Asked Questions

What's the best way to prepare and pass? (MUST READ)
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 plan for each exam that you need to pass.

We have four packages to suit different needs, namely Bronze, Silver, Gold, and Diamond.

Bronze plan gives you access to the practice questions only. You can do them unlimited times during a one-month period, and they come with answers and explanations.

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

Silver plan gives you 2 months of access to practice questions as well as two additional features: namely translated explanations and SpeedRef™. SpeedRef™ is an on-screen integration of the official study guide so you can quickly reference to it and save loads of time and hassles. You will also have access to E-Learning tutorials which are audio-visual version of the study guides. Silver plans (and higher) come with Pass Guarantee and a 2-month access period.

Pass Guarantee means getting reimbursed for your re-test fee if you fail the exam despite meeting the criteria, such as clearing at least 90% of the practice questions. To have cleared a question means having answered it correctly at least once before. 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. If you miraculously fail again, we will refund you all your money! No risk at your end!

The Gold plan gives you 3 months of access, and also to an additional product - Mathathon. Mathathon is an innovative product that generates infinite practice questions on Math-related topics to provide you with ample math practices. This plan also allows you to seek clarification or consultation from a virtual mentor via email. The Gold plan is the most popular plan and is of the most value.

The Diamond plan is like a Gold plan. Instead of being limited to 10 e-mails to the virtual mentor, you enjoy unlimited text or voice message exchanges with virtual mentors, such as seeking clarification or a walk-through on applying a formula. This plan gives you a 4-month access period.

We currently have a limited-time PayNow Promo which gives you more savings when you subscribe multiple plans in a single order. The subscriptions are charged on a one-time basis and will not be automatically renewed.

Each plan has its respective start and expiry date even if subscribed in a single order. Each plan will activate and expire depending on the date of activation.

Step 3 - Start Learning!

Note that IBF/SCI will only provide you with the study guide after you have booked an exam date. We encourage you to plan early and follow your study plans to avoid rushing and flustering in the days approaching the exam date. The estimated study time for each exam are indicated in the table on the Pricing page.

If you have access to E-Learning tutorials, go through at your own pace. Then, start doing the practice questions 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 because you can search for keywords.

Question sets marked as "Premium" are suitable to be taken as a simulated exam. Do them only when you think you are almost ready for the exam. Time yourself and use the “Exam Mode”.

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!

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

If you fail, we'll reimburse the re-test fee. If you fail again, we'll refund you your money.

Pitfalls to avoid

Focus on one exam and pass it before moving on to the next. Refrain from studying for more than one exam simultaneously.

Do not try to memorize the question or answers to practice questions. You should evaluate your understanding and learn as you do the practice questions.

Lastly, do not use un-dated materials downloaded from the Internet. Exams update regularly, so you must use the most current materials. All content on CMFAS Academy are reviewed regularly to ensure they are up to date.
Are your training materials / content up to date? They are of the latest version, right?
Yes! Yes! Yes! We monitor for updates EVERYDAY! Once SCI or IBF updates the textbook / study guide, we will update our content accordingly. Practice questions are usually updated quicker than E-Learning.
How long does each subscription last? How much do they cost?
Each package comes with 1 - 4 months of unlimited 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 $1000. Please visit the Pricing Info page for more info.

If you need an extension on the access, feel free to contact us.
What are the differences between the different question sets for the same exam?
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.
Do the questions come with answers or explanations? Are the questions identical to the actual exam?
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.
Will I pass on my first attempt if I use your product(s)? What's the pass rate?
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 Silver (or higher) Plan and met the conditions of the Pass Guarantee passed on their first attempt!
What is the Pass Guarantee offered in the Silver/Gold/Diamond Plans about?
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 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) Use the products available in your plan e.g. E-Learning/Mathathon.
3) And all conditions stipulated in the Pass Guarantee page.

Re-test reimbursements are capped at $200. In the unlikely event that you need to file a claim, please contact us.
What is the Online Mentor offered in the Biz package about?
You will be assigned an online mentor with whom you will have direct contact via text messages. You can consult him/her any question regarding the exam or syllabus.
What payment modes are accepted? Is this website secure?
You may pay by Visa, MasterCard, Paypal or PayNow. Our website supports commercial-grade security encryption and we do not store your credit card details at all.
How soon will I be given access after payment?
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!
Can I share my account with someone else? Can I save the content to my computer?
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!
I suspect there is an error with your question. How do I report it?
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.
I have some question regarding the actual examination, e.g. booking of date, exemptions, replacement of certificates. Who do I approach?
For issues relating to the actual exams or lost certificates, please refer to the respective examination body. SCI College ( oversees CMFAS M5/M8/M8A/M9/M9A and Health Insurance exam, while IBF ( oversees other CMFAS exams, as well as the CACS and FMRP papers.
I cannot find case study questions. Do you not offer practices for case studies?
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 :)
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