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CISI International Certificate in Wealth & Investment Management Sample Questions (Q154-Q159):

NEW QUESTION # 154
Which index tracking method requires a swap agreement?

A. Full replication
B. Synthetic Replication
C. Optimisation
D. Stratified Sampling

Answer: B

Explanation:
Synthetic replication involves tracking an index using derivatives such as swaps. A swap agreement allows the fund to replicate the index performance without holding the actual underlying assets, reducing transaction costs and increasing efficiency.

NEW QUESTION # 155
Critical illness cover will pay a lump sum in the event that a person suffers:

A. Any critical illness
B. A critical illness, provided they survive for 12 months
C. A closely defined critical illness
D. A critical illness, however caused

Answer: C

Explanation:
Critical Illness Cover (CIC) provides a lump sum payout if the policyholder is diagnosed with a covered illness. The policy specifies which conditions qualify for a payout.
* Why is Option C Correct?
* Policies list specific illnesses (e.g., cancer, stroke, heart attack) that qualify for coverage.
* If an illness is not listed, no payout is made.
* Why Not Other Options?
* A (Any critical illness) # Policies cover only certain conditions.
* B (However caused) # Coverage depends on medical definitions, not just cause.
* D (Survive for 12 months) # Most policies require survival for 14-30 days, not 12 months.
# Reference: FCA Insurance Regulations, CISI Wealth & Investment Management (Protection Planning).

NEW QUESTION # 156
An execution-only sale usually means a sale where there is an absence of:

A. Guarantee
B. Advice
C. Product
D. Charges

Answer: B

Explanation:
An execution-only sale occurs when a broker executes a trade without providing financial advice.
* Key Features of Execution-Only Trading:
* The client chooses the investment without guidance.
* The broker only executes the trade (no suitability checks).
* Typically used by experienced investors.
* Regulatory Implications:
* Under FCA rules, execution-only firms are not responsible for investment suitability.
* Clients must confirm they are not receiving advice before execution.
# Reference: FCA Handbook (COBS 10 - Execution-Only Transactions), CISI Wealth & Investment Management.

NEW QUESTION # 157
Which of these banks are likely to have relatively few legacy issues?

A. Central bank
B. Challenger bank
C. Retail bank
D. Online bank

Answer: B

Explanation:
Challenger banks are newer, digital-first institutions that operate with modern technology, avoiding the legacy issues that traditional banks face.
* Why is Option B Correct?
* They lack outdated IT systems that traditional banks struggle to upgrade.
* They focus on digital banking services, reducing operational inefficiencies.
* Examples: Monzo, Starling Bank, Revolut.
* Why Not Other Options?
* A (Central bank) # Not a commercial bank; deals with monetary policy, not retail banking infrastructure.
* C (Online bank) # Some online banks are part of traditional banks, inheriting legacy issues.
* D (Retail bank) # Large banks have aging IT systems, regulatory burdens, and high costs.
# Reference: UK Financial Conduct Authority (FCA) - Challenger Banks Report, CISI Wealth & Investment Management.

NEW QUESTION # 158
A non-profit, whole-of-life assurance policy, will pay:

A. An amount linked to the prevailing rate of inflation
B. A fixed sum provided death occurs within a predetermined time
C. A fixed sum, chosen at the outset
D. A return, linked to the insurance company's units

Answer: C

Explanation:
* What is a Non-Profit, Whole-of-Life Assurance Policy?
* It providesguaranteed coverage for the entire lifeof the insured.
* The policy does not participate in the insurer's profits (hence "non-profit") and pays apre- determined sumupon death.
* Why D is Correct
* The payout isfixed at the policy's inception, offering certainty to beneficiaries.
* Other Options Analyzed
* A. Linked to units: Describes a unit-linked or investment-linked policy.
* B. Predetermined time: Describes term insurance.
* C. Linked to inflation: Describes index-linked policies.
* ICWIM Textbook, Chapter on Insurance Products: Explains non-profit policies and their characteristics.
* Insurance Guidelines: Confirm fixed payouts as a feature of non-profit, whole-of-life assurance.
References

NEW QUESTION # 159
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James Fisher James Fisher

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