Prepare for the 50-question CII R05 assessment with focused 2026/27 coverage of life assurance, income protection, critical illness, care, taxation, State benefits and suitable personal and business protection.
Syllabus coverage reviewed for 2026 against current CII qualification information. Course updates are included with lifetime access.
Listen to course modules on the go. Perfect for studying while driving or commuting.
* This is a chapter sample. All audio is available in the full version.
R05 connects protection risks with product selection, tax, ownership and suitable advice. Candidates must distinguish capital from income needs, compare State and employer provision, understand the operation of life, income-protection, critical-illness, care and medical products, and apply those tools to personal and business scenarios.
This course organises all eleven official study-text chapters into detailed summaries, 246 active-recall flashcards, 234 searchable references including 28 worked calculations and five timed mock exams. The AI tutor is grounded in the R05 learning material so you can clarify product definitions, tax treatment, underwriting, claims and suitability inside the platform.
The official assessment contains 50 standard single-answer multiple-choice questions in 60 minutes. The first four mocks contain 200 individually written questions, and the fifth mixes them for a further rehearsal. Every full mock follows the exact 3/3/3/8/6/6/6/3/6/6 allocation across the ten learning outcomes, with balanced answer positions and explanations for every question.
The course uses the owner-supplied 2026/27 study text and Key Facts alongside the official syllabus, examination guide, indicative content and later CII updates. The refresh adds current benefit and care figures, the inheritance-tax band-freeze date and data-protection changes while preserving the five-mock exam blueprint. Use the chapter tools to secure close distinctions, then complete each full mock under timed conditions and review the explanation for every uncertain answer.
Build protection judgement and timing with five complete 50-question practice exams.
Ask questions against the course material whenever a product, tax rule or suitability decision needs clarification.
Strengthen recall with 246 flashcards and a 234-item reference sheet.
Turn a broad protection syllabus into structured, outcome-weighted revision.
Use the same question bank in two different ways: build understanding with instant feedback, then switch to a realistic simulation when you are ready.
Choose an answer, see immediately whether it is right or wrong, and read the explanation before moving on.
Work against the official-style timer without revealing answers, then review your score and every explanation after submission.
Risk transfer, consumer attitudes, health, longevity, employment, product development, pricing and access to advice.
Health, incapacity, income, debt, death, estate and business needs, existing resources and main sources of cover.
Bereavement, income, disability, child, housing and pension support and its limitations in private planning.
Policy types, ownership, trusts, terminal illness, waiver, premiums, underwriting, assignments and claims.
Qualifying and non-qualifying policies, life funds, chargeable-event gains, onshore and offshore treatment and inheritance-tax planning.
Types, incapacity definitions, exclusions, options, taxation, group cover, premiums, underwriting and claims.
Policy design, covered conditions, exclusions, term, amount, taxation, trusts, group cover, premiums, underwriting and claims.
Care regulation and support, product types, costs, resources, immediate and future needs and legal authority.
Personal accident, private medical, hospital cash, dental, mortgage and payment protection policies.
Consequences, personal and business analysis, product matching, affordability, Consumer Duty, life events, trusts and review.
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Feedback shared by learners across CII Academy exam-preparation courses.
Fantastic value. It feels like a gym for the brain. The AI explanations for complex calculations were a lifesaver for me.
Great practice tool. The AI mentor helped me spot my weak areas instantly, which saved me so much time during my final revision week.
The pension transfer rules and charging bans are up to date. Highly recommended for J05 prep.
Pensions drawdown and charging rules are covered very well. Helped me pass my J05.
Drawdowns and pension rules are explained very clearly. Helped me finally pass the J05 exam.
Thank you! Best of luck in your finance career.
Annuities and transfers are explained very simply. All retirement options and tax details are clear. Passed J05!
R05 is a 60-minute examination containing 50 standard single-answer multiple-choice questions. The standard pass mark is 70%.
The course uses the 2026/27 R05 study text and Key Facts with the official syllabus, examination guide and indicative content for examinations from 1 September 2026 to 31 August 2027, plus later CII updates.
R05 covers protection needs, State benefits, life assurance, policy taxation, income protection, critical illness, long-term care, medical and payment protection, and suitable personal and business recommendations.
Yes. Each full mock uses the official 3/3/3/8/6/6/6/3/6/6 question allocation across the ten learning outcomes.
CII lists 50 notional learning hours for R05. Your preparation time will depend on prior protection knowledge and performance in timed practice.
CII Academy is an officially accredited CII training provider. Each course is organised around the current syllabus, assessment format and learning resources listed on the course page.
You receive lifetime access to the current course content with no recurring subscription fee.
No. Results depend on the candidate's study and exam performance. The platform provides structured revision and timed practice to help identify and close knowledge gaps.
Yes! Test your knowledge and review detailed explanations with the free CII R05: Financial Protection Sample Paper below. It contains 15 questions from one named syllabus topic and is not a full mock exam or overall readiness assessment.
Try 15 CII R05: Financial Protection practice questions from Learning Outcome 4
Practice CII R05: Financial Protection exam questions with answers and explanations. The full course includes 5 mock exams and complete syllabus coverage.
What should an R05 candidate know about Risk transfer?
Protection insurance transfers defined financial risks from a household or business to an insurer. Demand is shaped by household debt, dependants, employment patterns, health, longevity, disposable income and confidence that claims will be paid. A longer life does not remove protection needs: it can extend mortgage terms, caring responsibilities and the period during which illness or incapacity would disrupt income.
Consumers often underestimate both the chance and financial effect of illness, incapacity or death. Behavioural barriers include optimism bias, preference for current spending, uncertainty about products and concern about cost or claims. Advice adds value by turning an abstract risk into a quantified shortfall, comparing existing provision…
Open every chapter’s key areas, pitfalls, exam traps and key numbers.
Use structured chapter notes, active recall and timed R05 practice to identify and close specific financial-protection knowledge gaps.
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