Insurance — get exam-ready, field by field
The universal insurance foundation behind the licensing exams — principles, life and general insurance, underwriting and claims, regulation and ethics, and advising clients. Six fields, four tiers each (Foundation → Professional). Play free, pass a tier, and earn a certificate of competence you can download, print and share. New questions appear each time you play.
You can play as a guest — sign in with your free 21 ID to keep progress and claim certificates.
General foundation
Insurance principles
How insurance works — risk and pooling, insurable interest, utmost good faith, indemnity, subrogation, contribution and proximate cause.
Life & long-term
Term, whole-life, endowment and investment-linked policies, annuities, surrender value and beneficiaries.
General (non-life)
Property, motor, liability, health and travel cover — sum insured, excess/deductible and under-insurance (average).
Underwriting & claims
Assessing risk, the proposal, moral and physical hazard, rating, and how a claim is notified, assessed and settled.
Regulation & ethics
Licensing and conduct, disclosure, conflicts of interest, treating customers fairly, cooling-off and anti-money-laundering (KYC).
Advising clients
The fact-find, needs and suitability, the protection gap, disclosing commission, and making a clear recommendation.
Exam preparation
Papers built on the foundation above. Each paper has four tiers, ending in an exam-level set. The 21 certificate shows your competence here — the official licence comes from the exam body.
IIQE Paper I — Principles & practice (HK)
Hong Kong IIQE Paper I: principles and practice of insurance, the market and intermediaries, and the Insurance Authority code of conduct.
IIQE Paper III — Long term (HK)
Hong Kong IIQE Paper III: long-term (life) insurance products, policy provisions, underwriting and claims.
IIQE Paper V — Investment-linked (HK)
Hong Kong IIQE Paper V: investment-linked (ILAS) products, investment basics, fees and risk disclosure.
Cyprus / EU — IDD & licensing
Cyprus and EU rules under the Insurance Distribution Directive: registration categories, the Superintendent of Insurance, the demands-and-needs test, the IPID and CPD.
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