Best CMFAS M9 Mock Exams & Study Guides (2026 Comparison)

If you are following a proper M9 Study Strategy, you know that reading the 300-page textbook isn't enough. You need to practice the calculations.

But where should you get your practice questions?

A quick search yields dozens of options, ranging from cheap PDFs on Carousell to expensive classroom courses. The problem is, the 2026 Syllabus update has made many older materials obsolete, especially for the tricky calculation chapters.

In this guide, we compare the three main types of M9 mock exams available in Singapore to help you decide which one offers the best chance of passing on your first try.

The Comparison Table

Here is how the different study materials stack up against the technical requirements of the M9 exam.

Option 1: Buying Notes on Carousell

Best for: Candidates who just want a summary and don't care about practice.

You can find plenty of seniors selling their "Old M9 Notes."

• The Risk: M9 involves Premium & ILP Calculations. If you buy notes from 2022, the examples might use outdated mortality tables or tax relief caps.

• The Math Problem: Most PDF notes only give you the final answer (e.g., "Answer: B"). If you get it wrong, you have no idea which part of the formula you messed up.

Option 2: Traditional Providers (e.g., CMFAS Hub)

Best for: Candidates who prefer a traditional "Exam Paper" feel.

Established providers offer high-quality mock papers. They are reliable and generally accurate.

• The Limitation: They usually sell by "Sets." You might pay ~$40 for "Mock Paper Set A" (100 questions). Once you finish Set A, you have memorized the answers. To practice more, you have to pay again for Set B.

• The Verdict: Good quality, but expensive if you need a lot of math practice.

Option 3: The AI Simulator (ExamPrep.sg)

Best for: Candidates who struggle with Math/Law and want to pass fast.

We built ExamPrep.sg to solve the "Math Anxiety" problem. Instead of buying fixed sets, you get access to a dynamic platform. ExamPrep.sg has a bank of over 800 questions that are created and verified by industry veterans and practicing financial agents in Singapore. It is updated regularly to the latest syllabus.

Why "Smart" Beats "Static" for M9

• Step-by-Step Math: In M9, getting the final answer isn't enough. You need to know the steps. Our simulator shows the exact working for every calculation question (Gross Premium, Cash Value, etc.).

Don't just memorize "B". Understand the formula so you can answer any variation.

• Surgical "Chapter" Practice: M9 has 17 chapters. If you are weak in Chapter 15 (Law of Agency), you don't want to waste time doing Chapter 1 questions. Our "Practice by Chapter" mode lets you drill just the Law topics until you master them.

Focus on your weakest chapters until you master them.

• The "All-in-One" Value: Traditional providers charge ~$40 just for one static set. For the same price ($39.90), we give you the entire AI Platform, unlimited exams, and calculation drills.

• The Economics of Failure:

The Retake Cost: If you fail M9, SCI charges you ~$130-$150 to retake it.

The "Insurance" Cost: For $39.90, ExamPrep.sg gives you the tools to pass on the first try.

The Verdict: Smart candidates invest $39 to save $130. Gamblers pay for retakes.

Conclusion: Which should you choose?

• If you want the absolute cheapest option and are confident in your math: Carousell.

• If you want a standard, fixed mock paper experience: Traditional Providers.

• If you want unlimited practice, calculation walkthroughs, and data-driven study tools for the same price: ExamPrep.sg.

The M9 exam is technical. Don't risk your score by studying with the wrong tools.

Ready to book your slot?

Read our Step-by-Step M9 Registration Guide to ensure you select the right module.