How to Register for CMFAS M9 Exam (2026 Step-by-Step Guide)

Booking the M9 exam should be simple, but the SCI portal can be confusing. There are multiple codes (M9, M9A, CM-LIP), and choosing the wrong one can cost you extra money and stress.

We have put together a plain-English guide to help you secure your M9 exam slot quickly so you can focus on studying the calculations.

Step 1: The "CM-LIP" Warning ⚠️

Before you log in, you need to decide if you are taking M9 alone or the Combined CM-LIP (M9 + M9A).

• Our Advice: Register for M9 ONLY first.

• Why: If you take the combined CM-LIP exam and fail one part (e.g., M9A), you fail the entire paper. By taking M9 separately, you "lock in" your pass.

Step 2: Create an Account

1. Go to the official SCI Website.
2. Look for "Candidate Login" or "Register Account".
3. Tip: Use your personal email so you retain your records even if you switch agencies later.

Step 3: Select the Correct Module

This is where candidates make mistakes.

1. Once logged in, click "Exam Registration".
2. Select "CMFAS" as the category.
3. In the dropdown, look for "Module 9 (M9): Life Insurance and Investment-Linked Policies".

* *Warning: Do not select "CM-LIP" unless you intentionally want to take M9 and M9A together in one sitting.*

Step 4: Choose Your Slot (Day vs. Evening)

There is a price difference depending on when you take the exam.

• Day Session (Mon-Fri, 9:00 AM - 5:00 PM): S$130.80 (Non-Member)

• Evening (After 5:00 PM) or Weekend: S$149.33 (Non-Member)

Pro-Tip: Save the ~$19 and book a weekday morning slot. Our data shows candidates are fresher and perform better on calculation questions in the morning.

Step 5: Pay & Download eBook

• Payment: SCI only accepts Credit Card (VISA or MasterCard) for online registration.

• Study Text: Hard copy books are no longer issued. Once payment is successful, check your email immediately for the eBook Access Link. Before you rely solely on the eBook, read our comparison of the top 3 M9 mock exam providers to ensure you have enough practice questions.

* *Check Spam:* The email often lands in Junk folders.

Step 6: You’re Booked. Now What?

You have a deadline. The M9 exam is 17 chapters long and includes tricky calculation questions (Premium, Cash Value, ILP). If you wait until the last week to study, you will likely fail the math section. We have written a full deep-dive on the passing score format and how to pass the M9 exam here.

Visualise your progress. Our dashboard tracks exactly which chapters you need to fix before your exam date.

Important Exam Day Logistics

• Calculator Policy: SCI does NOT provide calculators. You must bring your own non-programmable calculator.

* *Approved Models:* Casio (FC 100V, FC 200V), HP (10b, 10b2), TI (BA2+), Sharp (EL738). Full list of approved calculators here.

• ID: Bring your physical NRIC or Employment Pass.
• Arrival: Arrive 30 minutes early. Latecomers are turned away.

Summary

Booking is easy. Passing is hard.

The syllabus covers tricky calculations that trip up many candidates. We broke down 5 examples of these tricky calculation questions here.

Ensure you are prepared for the Killer Chapters (Calculations & Law) before you walk into that exam hall, and make sure you use your prep time wisely!