Malaysia PCIL exam FAQ
Who must sit · format · fee · languages · pass rate · scope of the app
What is the PCIL examination in Malaysia?
The Pre-Contract Examination for Insurance Agents (PCIL) is the entry examination set by the Asian Institute of Insurance (Aii) for anyone who wants to act as a life insurance agent in Malaysia. The paper covers life insurance and investment-linked insurance, so one pass covers both product lines.
Who must sit the PCIL?
Every new life insurance agent. From 8 August 2024 all exemptions were removed, so prior qualifications no longer excuse a candidate from the examination.
How is the PCIL structured?
One paper of 100 multiple-choice questions in 2 hours: Part A Fundamentals of Insurance (40 questions), Part C Life Insurance (30 questions) and Part D Investment-Linked (30 questions).
What is the pass mark for the PCIL?
50% of the paper as a whole. The three parts are not passed separately.
How much does the PCIL cost?
RM160. The fee is set by the Asian Institute of Insurance and can change — check the Aii website before booking.
How is the PCIL delivered?
By remote proctoring — you sit the paper online under supervision rather than at a test centre. The Asian Institute of Insurance sets the technical and identity requirements.
Which languages is the PCIL offered in?
English, Bahasa Malaysia and Chinese. You choose the language when you register, and it pays to prepare in the language you will sit in because the terminology differs between the three.
What is the PCIL pass rate?
In 2024, 19,451 candidates sat the examination and 11,937 passed — a pass rate of 61%, as reported by the Asian Institute of Insurance.
What does Part A cover?
Fundamentals of Insurance: perspectives on insurance and risk management including takaful, the fundamental principles of insurance, legislation and consumer protection, the insurance contract, the law of agency, and medical and health insurance and takaful products.
What does Part C cover?
Life Insurance: the legal provisions relating to life insurance policies, life insurance products, premium rating, underwriting and policy documents, claims, and the LIAM Code of Practice for life insurance agents.
What does Part D cover?
Investment-Linked: an introduction to investment-linked insurance, regular and single premium mechanics, disclosure requirements, considerations for purchasing, investment considerations, the investment vehicles and fund types in investment-linked funds and their risks, and the guidelines on investment-linked business.
Who sets the PCIL?
The Asian Institute of Insurance (Aii), Malaysia. Registration, fees, delivery and results all go through Aii.
Is there an official question bank for the PCIL?
Aii publishes the syllabus and study material, but the examination items themselves are not released. Practice questions from any provider, including this app, are separate material written to the published syllabus.
What happens after I pass?
Your appointment as an agent proceeds through the life insurer you will represent, under the rules set by Bank Negara Malaysia and the Life Insurance Association of Malaysia. Once appointed you are bound by the LIAM Code of Practice and the conduct requirements of the Financial Services Act 2013.
Does the app cover the general insurance examination?
No. The app covers the PCIL paper only — Part A Fundamentals of Insurance, Part C Life Insurance and Part D Investment-Linked. The general insurance examination is a separate paper with its own syllabus.
Which languages does the app support?
All three examination languages. Every question, option and explanation is available in English, Bahasa Malaysia and Chinese, and you can switch at any time.
How much does the app cost?
One All-Access plan covering all three parts: RM29.98 a month, RM74.98 for three months or RM199.98 a year. Every plan is a subscription that can be cancelled from your Apple ID settings at any time; there is no one-time purchase. A free tier with a subset of questions is available.
Is this app affiliated with Aii, Bank Negara Malaysia or LIAM?
No. It is an independent study aid. Each explanation names the Act, Bank Negara Malaysia policy document or LIAM code it tests so that it can be checked against the source.
Independent study aid. Not affiliated with, endorsed by, or sponsored by the Asian Institute of Insurance, Bank Negara Malaysia, LIAM or any insurer. Nothing here is financial or legal advice — verify against the current Aii syllabus and the legislation before relying on any point for professional purposes.
© 2026 Sai Chun Christopher Tang. All rights reserved.