R05 Financial Protection

R05 Financial Protection

R05 Financial protection

Financial protection is the 5th unit in the CII Diploma in Regulated Financial Planning. Protection lies at the core of all financial planning considerations, so this important unit equips candidates with the knowledge they need to identify risks and work with clients to implement the right protection solutions for them.

The R05 exam is one hour long and there are 50 questions to answer. All are standard multiple-choice questions (MCQ), as this unit is a level 3 one.

Exam format: 1-hour multiple choice exam

What is the R05 exam like?

The CII R05 financial protection is a level three unit worth 10 credits and has a market reputation as being easy. We would suggest you don’t underestimate it as R05 questions can be really tricky.  And having sat the exam recently (BTS designers sit the R0 exams annually) we can tell you that ‘easy’ was not the first word that sprang to mind going through the experience. We were surprised at the number of tax questions in the R05 exam – one such question was technical in the extreme. So again, underestimate this unit at your peril.

Lots of questions come up about tax – so qualifying, non qualifying, onshore, offshore and inheritance tax to name a few areas. You need to know the taxation of premiums and proceeds across the different individual and employer sponsored policies. You are unlikely to get lots of calculations, a few for certain but not many.

This is also the R0 unit where you will be tested on Department for Work and Pensions (DWP) benefits. So a good understand of some of the more technical rules relating to these is essential.

BTS R05 Study Toolkit

The BTS R05 Study Toolkit is a sure fire way to improve your chances of a first-time exam pass.  As usual there are options available to suit different learning styles including printed and digital resources, and remote and face to face training.

BTS have supported this unit since the R0 exams first came out, and we regularly achieve 100% pass rates with our candidates. The R05 unit is well passable on a first attempt with a focused study plan and BTS materials and support!

Our mission is clear:


The BTS R05 study guide is similar in format to the others. It is a complete replacement for the examining body guide, which you do not have to purchase. It is of course based on the same syllabus and learning outcomes however it includes many activities, practice questions and examples which bring the subject matter alive and ensure your learning is relevant to your exam. It not quite a big a tome as some of the other guides (such as R01 and R04 ) and is an essential tool in your R05 study plan.


BTS do not offer open workshops for the R05 unit. We do, however regularly train candidates via our corporate relationships, so  we have a huge amount of exam and candidate experience with this unit. 

Our R05 workshops concentrate on some of the key knowledge areas for a first-time R05 pass such as the different protection products, how they work and any taxation implications. We use exam style examples all the way through to keep you as focused on a pass as we possibly can.


If you are looking for R05 training support for a group, or for yourself via 1:1 support get in touch with us here


BTS R05 e-Learning concentrates on the heaviest weighted R05 learning outcomes. Starting with L04 which cover the different types of life assurance options, how they are set up, underwriting and claims and trusts (it’s a very long LO!) We then look at L05 which is the one that most candidates find the trickiest. We start by looking at qualifying and non qualifying policies and their rules, then inheritance tax and how it works. Next up are the learning outcomes that look at the different sickness products available, finishing off with a lovely course on DWP benefits.

The R05 e-Learning is interactive, exam style and packed with lots of activities, exam style questions and a specimen exam. Plus we throw in quite a few videos and our ‘ask the expert’ feature to keep you engaged.


The BTS R05 Study Buddy app volumes replicate the CII exam standard as closely as possible. There are two volumes as always available for purchase, each contains 200 exam style questions. You can ask the App to give you questions on a specific learning outcome and/or ask it to generate a specimen exam for you.

The R05 App can be used both as you work through your initial learning using the BTS study guide, and in the lead up to an exam sitting when you want to practice, practice, practice as many questions as possible.

Find out more about how the Study Buddy app can help you and how to purchase it on your device

What do BTS R05 candidates say about the support we can provide?

Click on the profiles below to find out how recent BTS candidates achieved their R05 success:

Insights, help and advice for R05

Below, you will find a range of recent articles providing insights, help and advice for this R0, we hope you find these useful. Remember if you have any questions on your journey feel free to get in touch with the BTS support team.

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