CMFAS Exam Fees: RES5, M9, M9A, HI & More
Updated
As at 11 Nov 2026, SCI charges S$218.00 for RES5, S$130.80 each for M9 and M9A, and S$109.00 for HI, per attempt for a weekday daytime sitting at the non-member rate. That is S$588.60 for all four papers a new life insurance adviser usually needs. Every amount includes GST, and every re-sit is charged in full again.
Fees checked 11 Nov 2026 on SCI
CMFAS exam fees per module (SCI)
| Module | Non-member, 9am to 5pm | Non-member, after 5pm | Member, 9am to 5pm | Member, after 5pm |
|---|---|---|---|---|
| RES5 | S$218.00 | S$236.53 | S$185.30 | S$203.83 |
| M9 | S$130.80 | S$149.33 | S$109.00 | S$127.53 |
| M9A | S$130.80 | S$149.33 | S$109.00 | S$127.53 |
| HI | S$109.00 | S$119.90 | No member rate | No member rate |
| M8 | S$130.80 | S$149.33 | S$109.00 | S$127.53 |
| M8A | S$130.80 | S$149.33 | S$109.00 | S$127.53 |
| CM-LIP (M9 + M9A) | S$283.40 | S$301.93 | S$239.80 | S$258.33 |
| CM-CIS (M8 + M8A) | S$283.40 | S$301.93 | S$239.80 | S$258.33 |
| CM-LIC (M8 + M8A + M9 + M9A) | S$545.00 | S$563.53 | S$457.80 | S$476.33 |
| PGI | S$109.00 | S$119.90 | No member rate | No member rate |
| CGI (ComGI) | S$109.00 | S$119.90 | No member rate | No member rate |
| BCP | S$49.05 | S$54.50 | No member rate | No member rate |
Each fee includes a non-refundable registration fee: S$21.80 for most modules and S$10.90 for HI, PGI and CGI (BCP lists none). The member rate applies only if your company is an SCI or IBF member and you register through its corporate account, or with your company email and its UEN. A personal email does not qualify.
Total for RES5, M9, M9A and HI
| Route | Non-member, daytime | Non-member, after 5pm | Member, daytime |
|---|---|---|---|
| RES5 + M9 + M9A + HI | S$588.60 | S$655.09 | S$512.30 |
| RES5 + CM-LIP + HI | S$610.40 | S$658.36 | S$534.10 |
Taking M9 and M9A separately costs S$21.80 less than CM-LIP at the non-member daytime rate, and both papers sit daily rather than once a week. The full comparison is in the M9A exam guide. For the order to sit the four papers in, see which CMFAS exam to sit first.
Adding unit trusts to an insurance licence? CM-CIS (M8 + M8A in one sitting) is in the fee table above. What it tests and how it compares with the separate papers: CM-CIS for insurance agents selling unit trusts.
Re-sits cost the full fee
Since 1 April 2024 SCI charges first-timers and re-takers the same fee for every attempt. There is no re-sit discount, and no limit on how many times you can sit a module. Two attempts at RES5 at the non-member daytime rate cost S$436.00.
Rescheduling, cancellation and refunds
| When you ask to change your date or time | Fee |
|---|---|
| 7 or more working days before the exam | Free the first time, then S$32.70 per change |
| Less than 7 but more than 2 working days before | S$32.70 per change |
| 2 working days or less before | No change allowed |
- Cancellations and refunds are not allowed, and you cannot pass your booking to someone else.
- Moving from a daytime to an evening session means paying the top-up fee as well as any administrative fee.
- SCI issues a result slip, not a certificate. A Letter of Certification to replace a lost slip costs S$43.60.
- SkillsFuture Credit cannot be used for CMFAS exams. SCI notes that UTAP funding is available for eligible NTUC members.
IBF modules
CM-EIP, CM-SIP and the dealer papers (RES 1A, 1B, 2A, 2B and 12B) are run by IBF, not SCI, and IBF sets their fees. As read on the IBF CMFAS registration page on 11 Nov 2026:
| Module | Non-corporate member | Corporate member |
|---|---|---|
| CM-SIP (formerly M6A) | S$250.70 | S$207.10 |
| CM-EIP (formerly M6) | S$250.70 | S$207.10 |
| RES 1A (formerly M1A) | S$250.70 | S$207.10 |
| RES 1B | S$250.70 | S$207.10 |
| RES 2B | S$250.70 | S$207.10 |
| RES 2A | S$294.30 | S$250.70 |
| RES 12B | S$501.40 | S$414.20 |
Our CM-EIP and CM-SIP guides cover those papers. Format, pass mark, fee and booking for every CMFAS paper, SCI and IBF, are in one table: CMFAS exam facts.
Practise before you pay SCI
A timed mock tells you whether you are ready before you spend the exam fee. Every module has a free CMFAS mock exam, including M9, M9A and HI. One CMFASPrep pass covers every module.
Unofficial guide: confirm the current fee with SCI
Frequently asked questions
How much are the CMFAS exam fees?
SCI charges per module and per attempt. As at 1 Nov 2026 a weekday daytime sitting at the non-member rate cost S$218.00 for RES5, S$130.80 each for M9, M9A, M8 and M8A, and S$109.00 for HI, inclusive of GST. Member and after-5pm rates differ, and SCI can revise its fees, so check SCI's page when you book.
How much do RES5, M9, M9A and HI cost in total?
S$588.60 at SCI's non-member weekday daytime rates as at 1 Nov 2026, or S$512.30 at member rates (HI has no member rate). Taking CM-LIP instead of M9 and M9A raises the non-member daytime total to S$610.40.
Do I pay the full fee again for a CMFAS re-sit?
Yes. Since 1 April 2024 SCI charges first-timers and re-takers the same fee for every attempt, with no re-sit discount. There is no limit on the number of attempts.
Can I get a refund or reschedule my CMFAS exam?
SCI does not allow cancellations or refunds. You can reschedule: the first change made 7 or more working days before the exam is free, other changes cost an administrative fee per request, and no change is allowed within 2 working days of the exam.
Can I use SkillsFuture Credit for CMFAS exams?
No. SCI states that SkillsFuture Credit is not applicable for CMFAS examinations. Your employer may pay the fee or reimburse it, so ask before you book.
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