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 plan!

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

We have four plans 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 translation 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 (ppt-like) or audio courses. 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 plan, 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 on 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 best 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 or audio courses, 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 tagged as "Premium" are tougher and styled more closely to the exam's. Do them 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 does not have any function that allows storing of information. Plan to arrive early for the exam because the exam centre will deny entry to latecomers!

For exam takers at IBF, your lift access is only to the 5th floor when the exam time is near. If you somehow exit at the wrong floor, you'll have to go back to the front desk at lobby and request for lift access again.

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 dubious materials, such as PDF files that are being passed around, as they often contain outdated or even erroneous content that can be hard to unlearn. Exams update regularly, so make sure you use only the most current materials. All content on CMFAS Academy are reviewed regularly to ensure they are up to date.

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.

Each plan 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 each plan (required for each subject) is $199 / $299 / $399 / $1000 for Bronze / Silver / Gold / Diamond respectively. For more details please see the Pricing Info page for more info.

If you need an extension on the access, you may extend for a small fee on the Dashboard page. It cost $65 / $85 / $95 / $195 to extend 1 month for a Bronze / Silver / Gold / Diamond plan respectively. You may also upgrade later, but it may cost a little more compared to buying that tier initially.

One question may have multiple filter tags. For example, a premium question, apart from carrying the Premium tag, can also carry the Math tag and its chapter tag.

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 Silver (or higher) Plan 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 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) Adhere to all others 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.

You will be assigned an online mentor with whom you will have direct contact via text messages. You can consult him/her on any question regarding the study guide or our materials.

You may pay by PayNow, Visa, MasterCard or Paypal. Our website supports commercial-grade security encryption and we do not store your credit card details at all.

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

Unfortunately no, to both questions. Each subscription is a single end-user licence for that specific exam meant for your personal use only, but you're free to use on multiple devices as long as you're the one using them. You're not allowed to copy and save our questions.

There is an exclaimation marked icon on the bottom right hand corner of the Practice interface for you to report potential erroneous questions.

For issues relating to the actual exams or lost certificates, please refer to the respective examination body. SCI College (www.scicollege.org.sg) administers CMFAS RES 5, Modules 8/8A/9/9A, CM-CIS, CM-LIC, CM-LIP and Health Insurance exam, while IBF (www.ibf.org.sg) administers other CMFAS exams such as RES 1 to 4, 12B, CM-EIP, CM-SIP, CM-CMP, RESP 10, 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 :)

This question falls into the Compliance category and we are unable to offer you advice. You should ask your employer's compliance officer/department. If you have not found an employer yet, you may try to search and see job postings of your desired position as the recruiter may sometimes indicate the exact certifications required for that role.