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Sample CNSF Cédula A Practice Questions

Try these sample questions to review concepts for the CNSF Cédula A exam. Each question includes a detailed explanation. Start the interactive quiz above for the full 100+ question experience with AI tutoring.

1Under Article 40 of Mexico's Ley sobre el Contrato de Seguro (LCS), if the policy does not set a different payment term, how long does the insured have to pay the premium (or the relevant installment) before the contract's effects automatically cease?
A.15 natural days from the due date
B.30 natural days from the due date
C.45 natural days from the policy delivery date
D.60 natural days from the inception date
Explanation: Article 40 of the LCS: if the premium, or the installment when paying in parts, is not paid within the agreed term, the contract's effects cease automatically at twelve o'clock on the last day of that term. When no term was agreed, a term of thirty natural days after the due date applies.
2Which regulatory commission is responsible for inspecting and supervising insurance institutions and intermediaries (insurance agents) under the Ley de Instituciones de Seguros y de Fianzas (LISF)?
A.Comisión Nacional para la Protección y Defensa de los Usuarios de Servicios Financieros (CONDUSEF)
B.Comisión Nacional Bancaria y de Valores (CNBV)
C.Comisión Nacional de Seguros y Fianzas (CNSF)
D.Comisión Federal de Competencia Económica (COFECE)
Explanation: Under Article 366 of the LISF, the CNSF is an órgano desconcentrado of the Secretaría de Hacienda y Crédito Público (SHCP) with technical autonomy, and its first listed power is the inspection and surveillance of insurance and surety institutions and the other persons regulated by the LISF. Article 94 of the LISF expressly subjects insurance and surety agents to CNSF inspection and surveillance.
3What is the validity period of the digital cédula the CNSF issues to an individual insurance agent (Agente Persona Física), and how is it continued?
A.1 year, renewed each year by paying the annual rights fee
B.18 months, with no possibility of renewal
C.5 years, renewed by accumulating continuing-education hours
D.3 years, renewed through the refrendo process
Explanation: CUSF Disposition 32.3.1 states that the authorization of an Agente Persona Física or apoderado is recorded in a digital cédula valid for three years. Article 93 of the LISF and CUSF Chapter 32.4 allow renewal (refrendo) for equal periods, provided the agent again accredits technical capacity under CUSF Chapter 32.7 and meets the other refrendo requirements.
4Under Article 52 of the Ley sobre el Contrato de Seguro (LCS), within what period must the insured notify the insurer of an essential aggravation of the risk that arises during the policy term?
A.Within the 24 hours after learning of it
B.Within 5 days after learning of it
C.Within 15 days after learning of it
D.Only at the next policy renewal
Explanation: Article 52 of the LCS requires the insured to report essential aggravations of the risk within the twenty-four hours after learning of them. If the insured omits the notice, or itself causes an essential aggravation, the insurer's obligations cease by operation of law from then on.
5What is the general statute of limitations (prescripción) under Article 81 of the LCS for actions derived from an insurance contract, and what is the exception for life insurance?
A.1 year for all insurance contracts, extendable by 6 months during conciliation
B.2 years in general, and 5 years for the death coverage of life insurance
C.3 years for all property policies, and 10 years for life savings policies
D.5 years for all non-life claims, and 2 years for third-party liability
Explanation: Article 81 of the LCS: actions derived from an insurance contract prescribe in five years for the death coverage of life insurance and in two years in all other cases. In every case the period runs from the date of the event that gave rise to the action.
6Under the Reglamento de Agentes de Seguros y de Fianzas, what mandatory insurance coverage must an authorized independent insurance agent maintain to cover potential professional errors or omissions?
A.A fidelity bond (fianza de fidelidad) equal to 500 times the minimum wage
B.A commercial property policy protecting their physical office and archives
C.Errors-and-omissions civil liability insurance, with limits set by the CNSF
D.A personal accident policy with coverage for occupational disability
Explanation: Article 23 of the Reglamento de Agentes de Seguros y de Fianzas requires agents to contract and keep in force errors-and-omissions civil liability insurance, in the amounts and terms the CNSF sets by general provisions (CUSF Chapter 32.10), and to evidence its contracting or renewal to the CNSF. For 2026 the CNSF publishes a minimum sum insured of 25,000 UDI for individual agents.
7Under Article 25 of the Ley sobre el Contrato de Seguro, if the content of the policy delivered by the insurer does not agree with the initial insurance application, within how many days must the insured request rectification?
A.10 natural days from policy issuance
B.30 natural days following receipt of the policy
C.60 calendar days from the first premium payment
D.15 working days following the end of the grace period
Explanation: Article 25 of the LCS states that if the content of the policy or its modifications does not agree with the offer or application, the insured may request rectification within thirty days (treinta días) following the day on which they received the policy. After this period has elapsed without objection, the policy is presumed accepted as written.
8When an insured files a claim with an insurer, within what maximum period must the insurer pay the indemnity once it has received all relevant documentation and information under Article 71 of the LCS?
A.15 natural days
B.30 days
C.45 business days
D.60 natural days
Explanation: Article 71 of the LCS: the credit resulting from the insurance contract falls due thirty days after the insurer receives the documents and information that allow it to know the basis of the claim. A clause making the claim payable only after the insurer recognizes it or a court proves it is void.
9If an insurer fails to pay a legitimate claim within the statutory deadline under Article 71, what penalty interest framework does Article 276 of the LISF impose on the overdue amount?
A.Conversion to UDIs plus monthly-capitalized moratory interest at 1.25 times the UDI cost of funds
B.Commercial legal interest of 6% a year on the unpaid amount, with no inflation adjustment of any kind
C.A fixed penalty of 1% per day of delay, capped at the sum insured
D.Automatic revocation of the insurer's authorization by the CNSF
Explanation: Article 276 of the LISF: obligations in pesos are denominated in Unidades de Inversión (UDIs) at their value on the due date and paid at the UDI value on the payment date. The insurer also pays moratory interest, capitalized monthly, at 1.25 times the cost of funds for UDI-denominated liabilities of commercial banks published by Banco de México, for each month of delay.
10What role does the Comisión Nacional para la Protección y Defensa de los Usuarios de Servicios Financieros (CONDUSEF) play in disputes between an insured and an insurance company?
A.It serves as a criminal court with the power to arrest fraudulent claims managers
B.It gives guidance, handles complaints, conciliates and may arbitrate if both agree
C.It acts exclusively as defense counsel for insurance institutions against fraudulent policyholders
D.It calculates solvency capital requirements and issues the technical circulars (CUSF)
Explanation: CONDUSEF operates as a protective agency under the Ley de Protección y Defensa al Usuario de Servicios Financieros. In insurance disputes, it offers consumer guidance, conducts administrative conciliation hearings, issues legal technical opinions (dictámenes técnicos), and may serve as an arbitrator (en amigable composición o en estricto derecho) if both parties submit to its jurisdiction.

About the CNSF Cédula A Exam

Independent CNSF Cédula A practice by OpenExamPrep. The CNSF technical capacity exam for Categoría A (riesgos personales y familiares) is a Spanish, computer-based test of 180 multiple-choice items in four pruebas, and candidates need at least 60% in each. These questions cover the LCS and LISF rules for agents and contracts, individual life, accident and medical insurance, auto, homeowner and pleasure-craft coverage, and basic financial mathematics. They are an English-language MCQ study adaptation, not an official translation or a simulation of the CNSF exam.

Exam sponsor: Comisión Nacional de Seguros y Fianzas (CNSF), directly or through designated application centers such as the CEI. The requirements and fees below concern the certification or admission exam, separate from our free practice resources.

Assessment

Four separately timed and scored pruebas: Aspectos generales; Riesgos individuales de seguros de personas; Riesgos individuales de seguros de daños; Sistema y mercados financieros

Time Limit

3 hours 12 minutes in total

Passing Score

At least 60% (Nivel I) in each prueba; 80% or more (Nivel II) keeps that prueba accredited while the authorization is renewed on time

Exam / Certification Fees

MXN 1,110 at the CNSF for the full exam (MXN 573 per single prueba) in 2026; MXN 1,340 at the CEI in Mexico City and Guadalajara

Exam sponsor website

Fees, eligibility, and exam policies can change. Confirm them with the exam sponsor before applying or paying.

Official sources

Our practice resources: topics covered

We aim to reflect publicly available exam outlines and topic information in our study resources. Coverage, format, and difficulty may differ from the actual exam, and we cannot guarantee that every detail is accurate or current. Confirm exam requirements, fees, and policies with the official exam sponsor.

25% of practice bank

Aspectos generales

LCS contract rules (terms, aggravation, prescription, subrogation), LISF agent rules, sanctions, CONDUSEF and AML duties

35% of practice bank

Riesgos individuales de seguros de personas

Life plans, valores garantizados, beneficiaries, riders, personal accident, gastos médicos mayores and salud

25% of practice bank

Riesgos individuales de seguros de daños

Auto packages, deductibles and total loss, homeowner fire and additional coverages, liability, and pleasure craft

15% of practice bank

Sistema y mercados financieros

Financial authorities, UDIs, interest, present value, real rates, IVA and fractional-payment surcharges

Preparing for the CNSF Cédula A Exam

What You Need to Know

  • Passing score: At least 60% (Nivel I) in each prueba; 80% or more (Nivel II) keeps that prueba accredited while the authorization is renewed on time
  • Assessment: Four separately timed and scored pruebas: Aspectos generales; Riesgos individuales de seguros de personas; Riesgos individuales de seguros de daños; Sistema y mercados financieros
  • Time limit: 3 hours 12 minutes in total
  • Exam / certification fees: MXN 1,110 at the CNSF for the full exam (MXN 573 per single prueba) in 2026; MXN 1,340 at the CEI in Mexico City and Guadalajara Official sources

Using Our Practice Resources

  • Work through all 100 available questions
  • Review every answer and explanation
  • Track weak areas and revisit them
  • Use our AI tutor for tough concepts

CNSF Cédula A: Suggested Study Strategy

1Memorize the LCS deadlines that recur in Aspectos generales: 24 hours to report an aggravation of risk (Article 52), five days to report a loss (Article 66), thirty days for the claim to fall due (Article 71), and two or five years of prescription (Article 81).
2Practise GMM claim math with deductible, coinsurance and tope de coaseguro, and auto deductibles calculated on the vehicle's sum insured.
3Know how rescate, seguro saldado and seguro prorrogado differ, and the LCS rules on suicide (Article 197) and beneficiaries (Articles 174 to 176).
4Budget time for the financial-calculation items in Sistema y mercados financieros, which allow three minutes each.

Frequently Asked Questions

What does the CNSF Cédula A exam cover?

Under CUSF Disposition 32.7.1, Categoría A candidates take four pruebas: Aspectos generales, Riesgos individuales de seguros de personas, Riesgos individuales de seguros de daños, and Sistema y mercados financieros. Categoría A authorizes intermediating individual life, accident and health, auto, homeowner and small pleasure-craft insurance.

What score do I need to pass?

You must reach at least Nivel I (60%) in every prueba. A prueba passed at Nivel II (80% or more) stays accredited while your authorization is renewed on time; pruebas passed only at Nivel I must be taken again before the refrendo. Passed pruebas are recognized for up to four years.

How much does the exam cost in 2026?

At the CNSF, the 2026 rights are MXN 1,110 for the full exam or MXN 573 for a single prueba. The CEI application center charges MXN 1,340 for a full cédula exam in Mexico City and Guadalajara, with higher prices in other cities. Obtaining the cédula itself costs MXN 4,861 in 2026.

What is the difference between Cédula A and Cédula A1?

Categoría A1 covers only riesgos personales y familiares de seguros de personas (life, accident and health). Its exam has three of the four Categoría A pruebas, leaving out Riesgos individuales de seguros de daños, so this Cédula A practice also covers the A1 content.

Are these questions an official CNSF exam simulation?

No. The official exam is taken in Spanish on the CNSF exam system. These English-language multiple-choice questions are an independent study adaptation and not an official translation, question set or simulation of the exam.