CII IF6 case studies
CII IF6 · Put your knowledge to work in context.
IF6 Life and Pensions is a Chartered Insurance Institute (CII) qualification unit for professionals working in life assurance, pensions and financial planning. It suits advisers, paraplanners, administrators and claims staff who need a solid technical grounding in protection and retirement products. The syllabus is organised into four equally weighted areas: life and pensions products and their features; legal, regulatory and tax frameworks; customer needs, suitability and advice processes; and policy administration, claims and servicing. Each area carries 25% of the marks, so candidates should prepare across the whole syllabus rather than specialising. The CII IF6 case studies are 5 cases and about 3,399 words.
1Protection structure for a young family with a tight budget
James is 41 and Priya is 39. They have two children aged 7 and 11.
730 words, about 4 min2Tapered annual allowance and scheme pays for an NHS consultant
Dr Shah is 56 and a consultant in the NHS Pension Scheme. Her NHS pension input for 2025/26 is £62,000.
638 words, about 3 min3Defined benefit transfer at 57 with a large cash equivalent value
Mr Patel is 57 and has a deferred defined benefit pension from a former employer. The scheme pays £24,000 a year from age 65, increasing by RPI up to 5% a year.
674 words, about 3 min4Non-disclosure on a whole of life claim held in trust
Mr Evans took out a whole of life policy for £150,000 in March 2022. The application asked: 'Have you smoked or used nicotine products in the last 12 months?' He answered no.
654 words, about 3 min5Annuity or drawdown for a smoker with a spouse to protect
Mr and Mrs Clarke are 68 and 66. Mr Clarke has £180,000 in a personal pension and no other pension savings.
703 words, about 4 min