AFAP1 Mock Paper 2 — State Benefits & Policy Types
A standard AFAP1 mock weighting state benefits, term and whole-of-life structures, CIC definitions, income protection mechanics and the disclosure process. 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 2
This is mock paper 2 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 standard tier: it is pitched at roughly live-exam difficulty, with distractors that are all plausible until you read them properly.
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 2 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 2 break down across 11 topic areas:
- Underwriting5 questions
- Critical illness4 questions
- Income protection4 questions
- Life assurance4 questions
- State benefits4 questions
- PMI3 questions
- Suitability2 questions
- ASU1 question
- Family income benefit1 question
- Need for protection1 question
- Whole of life1 question
Try two questions from AFAP1 Mock Paper 2
These come from the free preview of this paper. Answer them, then reveal the explanation.
State benefits
Bereavement Support Payment is paid as:
- AA lifetime weekly income equal to the deceased's salary
- BAn initial lump sum followed by up to 18 monthly payments, subject to eligibility
- CA tax-free pension from age 55
- DAutomatic compensation from the deceased's employer
Reveal the answer
B is correct. BSP is time-limited: a lump sum plus monthly payments for up to 18 months (higher rate if eligible for child-related element). It is not a long-term earnings replacement.
State benefits
A claimant receiving Universal Credit with limited capability for work and work-related activity receives:
- AFull replacement of previous salary indefinitely
- BAn additional health-related element, but total UC remains means-tested and often below former earnings
- CPIP automatically at the enhanced rate
- DNo extra element — UC is a flat rate for everyone
Reveal the answer
B is correct. UC can include LCWRA (limited capability for work and work-related activity) element, but the overall award is still means-tested and typically far below pre-illness earnings — hence the need for private IP.
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.