Free M9 questions · 免费模拟题

M9 Life Insurance & ILPs — practice free, in two languages.

M9 covers life insurance and investment-linked policies (ILPs): policy types, premiums and values, riders, policy provisions, and how investment risk sits with the policyholder in an ILP.

M9 涵盖人寿保险与投资联结保单（ILP）：保单种类、保费与保单价值、附加险、保单条款，以及 ILP 里投资风险由保单持有人承担的概念。

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Free M9 sample · 免费试做

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Q1 · M9 · Ch7 - ILP Features Benefits Risks · easy

What is one major risk of an ILP?

Q2 · M9 · Ch6 - Participating Policies · easy

Which benefit in a participating policy is usually not guaranteed before it is declared?

Q3 · M9 · Ch6 - Participating Policies · easy

What does a policy illustration help the client see?

Q4 · M9 · Ch1 - Risk And Life Insurance · easy

Which type of risk is normally suitable for insurance?

Q5 · M9 · Ch15 - Law Of Agency · easy

Who is the principal in an agency relationship?

How to study M9 · 备考建议

For every product, memorise two things: who bears the investment risk, and what is guaranteed.

每种产品记两件事：投资风险谁承担、什么是有保证的（guaranteed）。

ILP questions love fees — know what deductions come out before money is invested.

ILP 题目很爱考费用——搞清楚钱被投资之前先扣了哪些费用。

Do a quick pass on policy provisions (grace period, reinstatement, non-forfeiture) — short questions, easy marks.

保单条款（宽限期、复效、不没收条款）快速过一遍——题目短、分数容易拿。

Common questions · 常见问题

Are these M9 questions free? 这些题免费吗？

Yes — free to try on this page, no sign-up. 免费，不用注册。

Do explanations include Chinese? 有中文解释吗？

Yes — English explanations plus 中文 helper notes on every question.

How do I unlock the full M9 bank?

Register, submit one contribution to start a 24-hour full-access trial, then subscribe from S$9.90/month. 注册并提交一份贡献即可开始 24 小时试用。

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