AFAP1 Mock Paper 1 — Protection Foundations
The gentlest AFAP1 mock: why people need cover, how state benefits fall short, and the main personal policies — term life, CIC, income protection, ASU and PMI. Two case studies, 30 marks, 45 minutes.
- Questions
- 30
- Minutes
- 45
- Pass (70%)
- 21/30
Sit it timed
The timer starts when you press the button. You can still finish after it runs out — it is there to mimic exam pressure, not to lock you out.
Free preview: the first 5 of 30 questions, with a timer to match. Unlock the full paper
Answer options are shuffled on every attempt. Your progress is saved as you go, so a refresh won't lose it.
About AFAP1 Mock Paper 1
This is mock paper 1 of 3 for AFAP1, the Protection — Unit 1 unit of CeMAP. The 3 papers in this unit run easier → harder so you can build up to exam standard rather than being thrown in at the deep end. This one sits in the easier tier: the wording is clean and the wrong answers are less subtle than the ones the examiner writes, so it is the right place to find out what you actually know.
Every question carries a written explanation, so a wrong answer tells you which rule you have misread instead of just costing you a mark. Questions are original, written against the 2025/26 five-unit CeMAP syllabus, and cover the material the way the examiner tests it — precise recall where recall is tested, and judgement where the paper wants judgement.
Format, timing and pass mark
AFAP1 Mock Paper 1 follows the live AFAP1 format: 20 standalone questions + 2 case studies × 5 linked questions, in 45 minutes — about 90 seconds a question. Pass mark 21/30 (70%), as in the real assessment. There is no negative marking, so answer everything. 2 case studies carry linked questions: read each scenario once, carefully, before answering any part of it.
What this paper tests
The 30 questions in AFAP1 Mock Paper 1 break down across 10 topic areas:
- State benefits6 questions
- Income protection5 questions
- Life assurance4 questions
- Critical illness3 questions
- Need for protection3 questions
- Underwriting3 questions
- ASU2 questions
- PMI2 questions
- Suitability1 question
- Whole of life1 question
Try two questions from AFAP1 Mock Paper 1
These come from the free preview of this paper. Answer them, then reveal the explanation.
Need for protection
Which event is income protection insurance primarily designed to cover?
- AA specified list of serious medical conditions diagnosed while the policy is in force
- BDeath during the policy term
- CLoss of earnings due to illness or injury that prevents the policyholder working
- DRedundancy from employment
Reveal the answer
C is correct. Income protection pays a regular income when illness or injury stops the client working, subject to the policy definition and deferred period. Death is life assurance; a defined list of conditions is critical illness cover; redundancy is typically ASU or no cover at all.
State benefits
Statutory Sick Pay (SSP) in 2026 is best described as:
- AA Department for Work and Pensions benefit paid only to self-employed workers
- BA means-tested benefit paid indefinitely until the employee returns to work
- CA flat-rate payment from the employer for up to 28 weeks, for employees who qualify
- DA tax-free lump sum paid on diagnosis of a critical illness
Reveal the answer
C is correct. SSP is paid by the employer (not DWP) at a statutory weekly rate for up to 28 weeks to qualifying employees. It is not means-tested but is time-limited and unavailable to most self-employed people.
Scored under 70%? Revise these next
A near miss is almost always a calculation you cannot do under time pressure, a definition you half-know, or a rule you have never read in the examiner's words. Start with the topic areas above where you dropped marks, then:
- →Drill the calculations on the CeMAP formula sheet — LTV, income multiples, SDLT, APRC, ERCs and rental cover, each worked through.
- →Nail the terminology in the CeMAP glossary — a surprising share of wrong answers are a term you nearly knew.
- →Re-read the syllabus coverage on the AFAP1 exam guide, then sit the next paper in the ramp.
The other AFAP1 mock papers
3 timed mocks for this unit, running easier → harder. Sitting the whole ramp is what moves a borderline score to a comfortable pass.