CIIN Certificate CF1 case studies
CIIN Certificate CF1 · Put your knowledge to work in context.
The CIIN Certificate CF1, offered by the Chartered Insurance Institute of Nigeria, is an introductory qualification in financial planning. It is designed for people entering financial services, insurance and advisory roles, and for those who want a structured grounding in how personal financial planning fits together before progressing to more advanced study. The CIIN Certificate CF1 case studies are 5 cases and about 2,650 words.
1The Pension Transfer That Looks Too Good
Priya, 54, earns £62,000 as a senior NHS administrator and is a member of the NHS Pension Scheme (1995/2015 sections). A self-employed adviser she met at a networking event has produced a 'free' transfer value analysis showing a CETV of £410,000 and projects that, invested at 6% a year, this could fund an income of £32,000 from age 57.
596 words, about 3 min2The Self-Employed Couple With No Safety Net
Tom and Aisha are both 38 and self-employed (Tom a builder, Aisha a graphic designer). Combined net profit is £74,000, but income is lumpy: last year they earned £52,000 in the final quarter.
547 words, about 3 min3Retirement Age Conflict and the State Pension
Geoff is 60, divorced, and plans to stop full-time work at 63 and live on savings until State Pension age. He has £140,000 in a workplace defined contribution pot, £60,000 in a SIPP, and a paid-off house worth £320,000.
528 words, about 3 min4The Ethical Pressure to Churn
Marcus is a newly qualified adviser at a small firm. His manager pressures him to move a long-standing client, Mrs Okafor (72, widowed, moderate risk), out of her existing low-cost multi-asset fund into the firm's own 'model portfolio', which carries a 1.8% annual charge plus a 4% initial charge.
455 words, about 2 min5The Inheritance Tax Puzzle of an Unmarried Couple
Derek (68) and Susan (66) have lived together for 20 years but never married or formed a civil partnership. Derek owns the house they share (worth £450,000) in his sole name and has £300,000 in savings and investments.
524 words, about 3 min