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| Section | Weight | Objectives |
|---|---|---|
| Understand financial strength of insurance companies | 10% | - Reserving and risk capital - Rating agencies and financial assessments - Capital adequacy requirements |
| Understand insurance business management | 12% | - Business objectives and strategy - Operational activities and controls - Underwriting and claims processes |
| Understand accounting principles and application | 18% | - Income, expenditure and profit measurement - Basic accounting concepts and standards - Asset and liability recognition |
| Analyse business performance using financial ratios | 10% | - Interpretation and limitations of ratios - Solvency and liquidity measures - Profitability and efficiency ratios |
| Understand the structure of the insurance industry | 10% | - Regulatory framework and bodies - Main sectors and participants - Market distribution channels |
| Case studies integrating all learning outcomes | 10% | |
| Understand roles and functions within insurance organisations | 8% | - Key departments and their interactions - Professional roles and responsibilities |
| Understand insurance company accounts and standards | 10% | - Specific accounting rules for insurers - Statutory and regulatory reporting - Solvency and capital reporting |
| Understand corporate governance principles | 12% | - Compliance and ethical requirements - Governance structures and responsibilities - Risk management frameworks |
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질문 # 12
How will a recent acquisition of the subsidiary be shown on the insurer's cash flow statement?
정답：A
설명：
In financial accounting, the acquisition of a subsidiary (or significant asset like machinery) is classified as an investing activity . The cash flow statement segregates all transactions into three distinct categories:
operating, investing, and financing. Investing activities relate to the acquisition and disposal of long-term assets and other investments not included in cash equivalents. Therefore, the cash paid to acquire a controlling stake in another company is clearly recorded as a net cash outflow from investment activities. This is a direct application of Financial Accounting Principles. Financing activities, by contrast, include proceeds from issuing shares or debt, dividend payments, and loan repayments. Operational cash flows are generated from the day-to-day underwriting and service delivery of the insurer. The clear presentation of such acquisitions allows stakeholders to understand how the company is deploying its capital for vertical integration or diversification, directly linking the cash flow statement to strategic analysis.
질문 # 13
Joe should advise the Board that if the IT department is to fulfil its role within the company, it must do what?
정답：A
설명：
In the modern insurance company environment, the IT function is no longer a back-office support function but a strategic enabler. For the IT department to truly fulfil its role, it must actively contribute to shaping and enabling the business strategy, not just react to requests. This involves leveraging technology for competitive advantage, such as through digital distribution channels for white-labelled products, advanced data analytics for technical pricing, and straight-through processing. This proactive stance transforms IT from a cost center into a value driver, directly supporting the company's risk management (e.g., Key Risk Indicators for system uptime) and financial performance. The alternative perspectives-merely cutting costs, preserving obsolete systems, or operating in a silo-represent a failed, non-strategic function. The external source explicitly confirms this requirement: "Joe should advise the Board that if the IT department is to fulfil its role within the company, it must make a proactive contribution to the development of business strategy," cementing this as the correct, M92-curriculum-based answer.
질문 # 14
A balance sheet records a company's what?
정답：A
설명：
The balance sheet is a statement of the financial position of an entity at a specific point in time. It records the aggregation of all assets, liabilities, and capital, the arithmetic result of which is the company's net financial position (or net asset value). This is a direct statement from the source material. The balance sheet is not a flow statement; it therefore does not record profit or loss (that is the income statement's role) nor cash inflows and outflows (the domain of the cash flow statement). Budgetary variances are an internal management accounting function, not a statutory financial report line item. The clear identification of assets (such as an insurer's investment portfolio, as discussed in Investment and Asset Management) minus liabilities (principally technical provisions for claims reserving) yields the capital that underpins the solvency margin.
Thus, the balance sheet is the definitive document for an insurer's net financial position, directly used to calculate key capital adequacy ratios under the Financial Performance Ratios main topic.
질문 # 15
Which organisation's goal is to improve the long term profitability of all capital providers and monitor and guide managing agents?
정답：C
설명：
Within the unique structure of the Lloyd's insurance market, the Franchise Board (historically part of Lloyd' s governance, with its principles now embedded in Lloyd's oversight) was explicitly tasked with this role. Its goal was to protect and enhance the long-term profitability of the Lloyd's market for all capital providers (members and corporate investors). It acted on behalf of the Council of Lloyd's to monitor the performance and business plans of managing agents, setting capital requirements and having the power to require changes to underwriting strategies or even withdraw a syndicate's license to trade. This is distinct from the UK's general financial regulators, the PRA and FCA, which regulate the individual firms within the market. The London Market Group aims to promote the market's global position, not to internally guide managing agents.
This role is a specific governance point covered in the M92 exploration of the London Market environment, highlighting how the market's unique structure seeks to balance innovative underwriting with market-wide financial discipline.
질문 # 16
A business plan that focuses on the policies necessary over one to three years to implement key elements of strategy is called a[n]:
정답：A
설명：
Planning in an organisation cascades from the general to the specific across different time horizons. A tactical plan translates the high-level, long-term strategic goals into specific departmental policies and initiatives with a medium-term horizon, as stated, of one to three years. As the source confirms, this plan is
"focuse[d] on the policies necessary over one to three years to implement key elements of strategy." The strategic plan sets the overall overall budget categorised at the highest level. The tactical plan then is developed, for example, by an underwriting profit centre to decide how it will achieve the strategic growth targets through specific product launches or distribution channel enhancements. The operational plan is even shorter-term and more detailed (e.g., annual budgets), detailing how a team will meet tactical objectives. This distinction is a core element of the Management Accounting and Budgeting topic, demonstrating how the leadership functions of planning and organising are structured to ensure the company's financial resources remain aligned with its ability to meet its capital adequacy requirements.
질문 # 17
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