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Sample CNSF Cédula B Practice Questions

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

1What must a representative normally show to validly contract a commercial insurance policy on behalf of a Mexican sociedad anónima?
A.A power limited to lawsuits and collections (pleitos y cobranzas)
B.A simple letter signed by the company's accountant on company letterhead
C.A company-granted power with at least acts-of-administration faculties
D.The company's tax status certificate (constancia de situación fiscal) alone
Explanation: To bind a sociedad anónima, the representative must hold a power granted by the company, usually in a notarized public deed, with sufficient faculties. Contracting insurance is an act of administration, so a power for actos de administración, or a broader general power, is enough; a power limited to lawsuits and collections is not.
2In commercial insurance, what is coaseguro when it is arranged between insurers?
A.One insurer cedes part of its risk to a reinsurer, with no contract between the reinsurer and the insured
B.Two or more insurers each cover an agreed percentage of the same risk, each normally answering only for its own share
C.The insured pays a percentage of each loss after the deductible
D.Several separate policies each cover the full value of the same interest, without the insurers knowing of each other
Explanation: In coinsurance among insurers, several institutions share the same risk in agreed percentages, usually under a policy administered by a lead insurer, and each normally answers only for its own share. It differs from reinsurance, where the direct insurer transfers risk to a reinsurer with no contract between reinsurer and insured, and from concurrent insurance under LCS Articles 100 to 103.
3In a coinsurance structure covering a major industrial facility, what is the role and legal function of the 'Compañía Líder' (Lead Insurer)?
A.It pays 100% of every loss up front and later recovers the other insurers' shares
B.It is the reinsurer that protects the other participating insurers
C.It is the participant with the smallest share, chosen to avoid conflicts
D.It issues the policy, runs the placement and coordinates loss adjustment
Explanation: In commercial coinsurance, the leading company (Aseguradora Líder) issues the master policy, interacts directly with the insured or broker, collects premiums to distribute to participant coinsurers, conducts risk engineering surveys, and directs the loss adjustment process upon a claim.
4Under Article 21 of the LISF, may a Mexican company insure its factory located in Mexico directly with a foreign insurer that is not authorized in Mexico?
A.No; it is prohibited unless the CNSF grants an Article 22 exception
B.Yes, if the policy is written in Spanish and premiums are paid in pesos
C.Yes, for any company with foreign shareholders
D.Yes, provided a Mexican agent intermediates the placement
Explanation: Article 21 of the LISF prohibits contracting with foreign companies, among others, insurance of persons in Mexico, liability insurance for events that may occur in Mexico, and insurance of other ramos against risks that may occur in Mexican territory. Article 22 lets the CNSF grant exceptions, such as a specific authorization when no Mexican institution can or will write the risk.
5Under Article 22 of the LISF, in which case may the CNSF authorize a person to contract insurance for a Mexican risk with a foreign company?
A.When the foreign premium is at least 10% cheaper than domestic quotes
B.When the insured prefers to deal with the insurer in English
C.When no insurer authorized in Mexico can or will write the operation
D.When the policy premium will be paid in U.S. dollars
Explanation: Article 22, fraction II, of the LISF lets the CNSF grant a specific authorization to a person who proves that none of the insurers authorized to operate in Mexico can or considers it convenient to write the operation proposed to them. The foreign insurance may then be contracted directly or through a Mexican insurer.
6Which statement correctly describes an insurance agency corporation (Agente Persona Moral) in Mexico?
A.It may underwrite risks and pay claims from its own capital
B.A sociedad anónima authorized by the CNSF that acts only through apoderados
C.It needs no CNSF authorization of its own if each of its apoderados holds a cédula
D.It may be organized as any civil association (asociación civil)
Explanation: Article 93, fraction III, of the LISF allows authorizations for companies formed to act as agents, which operate through apoderados subject to the rules for agents. Article 12 of the Reglamento de Agentes requires them to be sociedades anónimas whose name is followed by 'Agente de Seguros' (or de Fianzas), and they may intermediate only through apoderados.
7Under Article 53 of the LCS, when is an aggravation of the risk presumed to be essential?
A.Any change of ownership of the company's shares, even if the risk is unchanged
B.Only an aggravation caused intentionally by the insured
C.Only a change that increases the sum insured
D.One the insurer would have contracted on different terms had it known of it
Explanation: Article 53, fraction I, of the LCS presumes an aggravation is essential when it concerns a fact important for assessing the risk, such that the insurer would have contracted on different terms had it known of a similar aggravation when entering into the contract. Article 52 requires the insured to report essential aggravations within 24 hours of learning of them, and fraction II presumes the insured knows of aggravations caused by tenants, relatives or others occupying the property with its consent.
8Under Article 56 of the LCS, when an insurer rescinds a contract because of an essential aggravation of the risk, when does its liability end?
A.Immediately, on the day it decides to rescind
B.At the end of the current policy period
C.Fifteen days after it communicates its decision to the insured
D.Thirty days after the next policy anniversary
Explanation: Article 56 of the LCS provides that when the insurer rescinds the contract because of an essential aggravation of the risk, its liability ends fifteen days after it communicates its decision to the insured.
9Under Article 111 of the LCS, in which case does the insurer NOT acquire subrogation rights after paying a property loss?
A.When the wrongdoer is the insured's spouse or a relative up to the second degree
B.When the third party who caused the damage is a company
C.When the loss exceeds the deductible
D.When the policy includes a business interruption section covering the same loss
Explanation: Article 111 of the LCS subrogates the insurer, up to the amount paid, in the insured's rights against third parties who caused the damage. Subrogation does not proceed when the insured has a marital relationship or kinship by blood or affinity up to the second degree, or a civil relationship, with the person who caused the damage, or when the insured is civilly liable for that person.
10If a commercial policyholder signs a settlement agreement releasing a negligent third-party wrongdoer without the insurer's consent, how does this affect the claim under Article 111 of the LCS?
A.The insurer must pay in full and may later sue the insured for damages
B.The release has no effect on the claim, because subrogation arises only after the insurer pays
C.The whole policy becomes void from inception
D.The insurer may be released in whole or in part, because the insured's act prevented subrogation
Explanation: Article 111 of the LCS provides that the insurer may be released in whole or in part if subrogation is impeded by acts or omissions of the insured. A private release of the responsible third party, signed without the insurer's consent, is a typical example.

About the CNSF Cédula B Exam

Independent CNSF Cédula B practice by OpenExamPrep. The CNSF technical capacity exam for Categoría B (riesgos empresariales de seguros de personas y daños) is a Spanish, computer-based test of 410 multiple-choice items in six pruebas, with at least 60% needed in each. These questions focus on what Categoría B adds: group and collective insurance, key-person and partners' insurance, commercial property, liability, cargo and technical ramos, plus the contract rules behind them. The four pruebas shared with Categoría A are practiced in the Cédula A bank. This is 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

Six separately timed and scored pruebas: the four Categoría A pruebas plus Riesgos empresariales de seguros de personas and Riesgos empresariales de seguros de daños

Time Limit

7 hours 2 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.

20% of practice bank

Marco jurídico y contratación comercial

LCS and LISF rules applied to commercial risks, including nullity, aggravation, subrogation, expert valuation and foreign insurers

28% of practice bank

Riesgos empresariales de seguros de personas

Reglamento del Seguro de Grupo, dividends and experience, conversion, hombre clave, seguro de socios and collective medical cover

52% of practice bank

Riesgos empresariales de seguros de daños

Fire and business interruption, liability, cargo, robbery, technical ramos, fleets and hydrometeorological risks

Preparing for the CNSF Cédula B 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: Six separately timed and scored pruebas: the four Categoría A pruebas plus Riesgos empresariales de seguros de personas and Riesgos empresariales de seguros de daños
  • Time limit: 7 hours 2 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 B: Suggested Study Strategy

1Study the Reglamento del Seguro de Grupo article by article: the group definition (Article 2), consent (Article 11), when the contratante may be beneficiary (Article 12), new and departing members (Articles 17 and 18) and conversion (Article 19).
2Riesgos empresariales de seguros de daños is 180 of the 410 items; give the technical ramos (55 items) and fire, cargo and liability the most time.
3Learn the standard hydrometeorological definitions, such as hurricane at 118 km/h and vientos tempestuosos at Beaufort 8 (62 km/h).
4Review the LCS rules for commercial losses: expert valuation (Articles 117 to 121), salvage (Article 116), fire value (Article 128) and liability insurance (Articles 145 to 150 Bis).

Frequently Asked Questions

What does the CNSF Cédula B exam cover?

Under CUSF Disposition 32.7.1, Categoría B candidates take six pruebas: the four Categoría A pruebas (Aspectos generales, individual personas, individual daños, and Sistema y mercados financieros) plus Riesgos empresariales de seguros de personas and Riesgos empresariales de seguros de daños. The authorization also includes the Categoría A segments.

What score do I need to pass?

At least Nivel I (60%) in every prueba. Pruebas passed at Nivel II (80% or more) stay accredited while the authorization is renewed on time and are not repeated if you later seek a different category.

How long is the exam and what does it cost?

The CEI publishes 410 items and 7 hours 2 minutes for Categoría B. In 2026 the CNSF charges MXN 1,110 for a full exam or MXN 573 per prueba; the CEI charges MXN 1,340 in Mexico City and Guadalajara and more in other cities.

Why does this bank focus on the empresariales pruebas?

The four pruebas Categoría B shares with Categoría A are practiced in the Cédula A bank. This bank concentrates on the group, collective and commercial property and casualty content that Categoría B adds.

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, not an official translation, question set or simulation.