M9 vs HI: which module do you need first?
M9 covers life insurance and ILPs; HI covers health insurance: MediShield Life, Integrated Shield Plans, CareShield Life, critical illness and disability income. If you'll arrange policies with health or accident benefits, you need HI as well as M9.
M9 vs HI at a glance
| M9 | HI | |
|---|---|---|
| Full name | CMFAS Module 9: Life Insurance and Investment-Linked Policies | CMFAS Health Insurance (HI) Module |
| Questions | 100 multiple-choice questions | 50 multiple-choice questions |
| Time | 2 hours | 1 hour 15 minutes |
| Passing score | 70% (70 out of 100) | 70% (35 out of 50) |
| Format | Closed book, computer-based | Closed book, computer-based |
| Cost | Set by SCI (single product modules have been listed at roughly S$80 to S$137); check SCI before you register | Listed by SCI at about S$76 (check SCI before you register) |
| Languages | English | English |
| Where | SCI computer-based examination centre, Singapore | SCI computer-based examination centre, Singapore |
| Level | Life insurance | Life insurance |
What each exam covers
M9
- Principles of Life Insurance
- Types of Life Insurance Policies
- Policy Provisions, Riders and Nominations
- Investment-Linked Policies
- Annuities and Retirement Planning
- Needs Analysis, Underwriting and Claims
HI
- Singapore's Healthcare Financing Framework
- MediShield Life and Integrated Shield Plans
- Long-Term Care: CareShield Life and ElderShield
- Critical Illness and Disability Income Insurance
- Other Health Insurance Products
- Underwriting, Claims and Policy Provisions
Which should you take?
M9 covers life insurance and ILPs; HI covers health insurance: MediShield Life, Integrated Shield Plans, CareShield Life, critical illness and disability income. If you'll arrange policies with health or accident benefits, you need HI as well as M9.
Try both, free
Each free practice test takes about 10 minutes and shows your score by topic. No signup.
FAQ
What is the difference between M9 and HI?
M9 covers life insurance and ILPs; HI covers health insurance: MediShield Life, Integrated Shield Plans, CareShield Life, critical illness and disability income. If you'll arrange policies with health or accident benefits, you need HI as well as M9.
Which is harder, M9 or HI?
M9: 100 multiple-choice questions in 2 hours. HI: 50 multiple-choice questions in 1 hour 15 minutes. The longer exam covers more ground, but the harder one is the one further from your daily work. Take both free practice tests to see where you stand.
Can I hold both M9 and HI?
Yes. CMFAS modules are separate exams, and most representatives need several, matched to the products they'll advise on.
How do I prepare for M9 and HI?
Start with the free practice test for each, then study by topic. Premium is per exam (S$187 a month each), so most people start with the exam they'll sit first and add the second when they're ready.
More comparisons
Exam details are summarized from SCI's and IBF's published information as of October 2026. Confirm with SCI or IBF before you book. CMFASQuizBank is not affiliated with MAS, SCI or IBF.