AFAP1 Mock Paper 3 — Underwriting & Advanced Protection
The toughest AFAP1 mock: tricky underwriting scenarios, own- vs suited-occupation traps, CIC definitions, state benefit interactions and when not to recommend cover. 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 3
This is mock paper 3 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 harder tier: it is deliberately pitched above the live exam, so passing it means you should clear the real thing with room to spare.
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 3 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 3 break down across 10 topic areas:
- Income protection6 questions
- Underwriting6 questions
- Critical illness5 questions
- Life assurance3 questions
- Suitability3 questions
- State benefits2 questions
- Whole of life2 questions
- ASU1 question
- Need for protection1 question
- PMI1 question
Try two questions from AFAP1 Mock Paper 3
These come from the free preview of this paper. Answer them, then reveal the explanation.
Underwriting
If Marcus's non-disclosure of chest pains was deliberate or reckless, the insurer under the Insurance Act 2015 may:
- ATransfer the policy to Lin without payment
- BAvoid the policy from inception and return premiums — treating the contract as if it never existed
- CBe required to pay the full claim regardless
- DOnly reduce the claim by 10%
Reveal the answer
B is correct. Deliberate or reckless non-disclosure entitles the insurer to avoid the contract ab initio. Careless non-disclosure attracts proportionate remedies instead.
Underwriting
If Marcus's non-disclosure had been careless and the insurer would have accepted with a cardiovascular loading, the likely remedy is:
- AFull avoidance with no payment
- BCancel all of Lin's policies
- CPay the claim in proportion to the premium that would have been charged — e.g. reduce the payout if only a higher premium would have been offered
- DPay double the sum assured as a penalty to the insurer
Reveal the answer
C is correct. Careless misrepresentation triggers proportionate remedies: the insurer puts the consumer in the position they would have been in had the truth been told — which may mean a reduced claim rather than total refusal.
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.