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Key Facts: SBS Auxiliar de Seguros Exam

Ley N° 26702

General financial and insurance law classifying adjusters and surveyors as insurance auxiliaries and setting their functions

Ley N° 26702, Arts. 335, 343 and 344

Res. SBS N° 808-2019

Regulation of the Registro, including the competency evaluation and registration requirements for auxiliaries

SBS Official Regulations

60 days

Period from the communication of results to start registration; after it the file is archived

Res. SBS N° 808-2019, para. 5.9

150 hours

Insurance studies adjusters need in addition to technical or university graduate status (unless they qualify by experience)

Res. SBS N° 808-2019, para. 5.4

5 years

Claims-adjusting experience within the last 7 years that can replace the adjusters' education requirement

Res. SBS N° 808-2019, para. 5.4

20 days

Time for the adjuster to issue the adjustment report once documentation is complete

Res. SBS N° 3202-2013

Candidates seeking SBS registration as natural-person insurance auxiliaries (claims adjusters and insurance surveyors) in Peru must pass the SBS competency evaluation. Prepare with this independent English-language practice covering Ley 26702, Ley 29946, adjustment protocols, and Res. SBS 808-2019.

Sample SBS Auxiliar de Seguros Practice Questions

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

1Under Article 335 of Peru's Ley General del Sistema Financiero y del Sistema de Seguros (Ley N° 26702), which professionals are covered by the legal term 'auxiliares de seguros'?
A.Corredores de seguros and corredores de reaseguros
B.Ajustadores de siniestros and peritos de seguros
C.Promotores de venta and bancassurance comercializadores
D.Actuaries and external auditors of insurance companies
Explanation: Article 335 of Ley N° 26702 uses 'intermediarios de seguros' for corredores de seguros and/or de reaseguros, and 'auxiliares de seguros' for ajustadores de siniestros and/or peritos de seguros. The SBS authorizes both groups and keeps a register that states the insurance branches (ramos) in which each may operate.
2Under Article 5 of Resolución SBS N° 808-2019, how long does a natural person who passes the SBS competency evaluation have to continue the registration procedure?
A.30 calendar days
B.60 calendar days
C.90 calendar days
D.180 calendar days
Explanation: Paragraph 5.9 of Resolución SBS N° 808-2019 gives a maximum of 60 days, counted from the date the evaluation results are communicated, to continue the registration procedure. The regulation defines 'días' as calendar days. After that deadline the file is archived and, if the person still wants to register, they must sit the competency evaluation again.
3Which situation is listed in Article 12 of Resolución SBS N° 808-2019 as an impediment to registering as a natural-person insurance adjuster or surveyor?
A.Holding a university degree in civil engineering or naval architecture from a Peruvian university
B.Being a director, manager or employee of an insurance or reinsurance company
C.Having a bank loan that is 20 days past due
D.Having worked five years in an insurer's claims department before applying
Explanation: Article 12, item 8, of Resolución SBS N° 808-2019 bars directors, managers and workers of insurance and/or reinsurance companies (and of AFOCAT associations) from registration. The impediment protects the independence of the people who later inspect risks and adjust claims for those companies.
4Under paragraph 5.4 of Resolución SBS N° 808-2019, an applicant for the adjuster (ajustador de siniestros) evaluation who uses the education route must present a technical or university egresado certificate plus insurance training of at least how many lecture hours?
A.80 lecture hours
B.120 lecture hours
C.150 lecture hours
D.350 lecture hours
Explanation: Paragraph 5.4 requires adjuster applicants to present both an egresado certificate from technical or university education and insurance studies of at least 150 lecture hours (horas lectivas). Alternatively, they can present a work certificate showing at least five years of claims-adjustment experience within the seven years before applying.
5Under Ley N° 29946 (Ley del Contrato de Seguro), who bears the necessary expenses of verifying a loss and settling the indemnifiable damage, such as the claims adjuster's fees?
A.The insured and insurer in equal 50/50 proportions
B.The insurance company (empresa de seguros)
C.The insurance broker representing the policyholder
D.The insured solely upon receipt of the final settlement
Explanation: Article 97 of Ley N° 29946 states that the expenses needed to verify the loss and settle the indemnifiable damage are not part of the sum insured and are borne by the insurer, unless they were caused by inaccurate information from the insured. In practice the insurer pays the adjuster it engages, while the adjuster must still act independently and impartially (Article 38).
6Under Resolución SBS N° 809-2019, which requirement for keeping a registration 'hábil' applies to insurance brokers but NOT to natural-person adjusters and surveyors?
A.Being up to date with the annual contribution to the SBS
B.Keeping a current professional civil liability (RC profesional) policy
C.Not incurring any impediment listed in the Registry Regulation
D.Keeping their telephone and electronic contact channels active and updated
Explanation: Paragraph 3.2 of Resolución SBS N° 809-2019 adds a broker-only condition: brokers must keep the professional civil liability policy described in Article 15 in force. Resolución SBS N° 808-2019 likewise lists that policy as a post-authorization requirement only for intermediarios. Adjusters and surveyors must pay the contribution and report their RUC, but the regulation does not require them to hold this policy.
7Under Article 344 of Ley N° 26702, which set of roles can a perito de seguros perform?
A.Issuing the insurer's formal claim-rejection letters to claimants
B.Inspector de riesgos, previsor and inspector de averías
C.Placing insurance for clients and collecting commissions from insurers
D.Signing the convenio de ajuste that fixes the indemnity amount
Explanation: Article 344 of Ley N° 26702 (repeated in Article 62 of Res. SBS N° 809-2019) describes three roles: as inspector de riesgos, examining and rating a property, liability or operation before it is insured; as previsor, warning of possible damage and recommending prevention; and as inspector de averías, investigating damage and estimating its amount and the value of the affected goods.
8Under Ley N° 29946 and the Reglamento para la Gestión y Pago de Siniestros (Res. SBS N° 3202-2013), how is a claims adjuster designated when the insurer needs one?
A.The insurer appoints any adjuster it prefers, and the insured has no say in the choice
B.By common agreement, using a shortlist (terna) of registered adjusters proposed by the insurer
C.The insured must hire its own adjuster, whose report then binds the insurer on the amount
D.The SBS assigns an adjuster from the Registro by random draw for each claim
Explanation: Article 75 of Ley N° 29946 requires the adjuster to be designated by common agreement of the parties, and Article 38 voids any clause restricting the insured's participation in that designation. Article 5 of Res. SBS N° 3202-2013 sets the mechanics: designation within three days of the notice of loss, with the insurer proposing a terna of registered adjusters at least two days before that deadline. If the insured does not pick one, the insurer designates the adjuster so the process is not delayed.
9Under SBS regulations, what is a 'convenio de ajuste'?
A.The adjuster's preliminary report requesting documents from the insured
B.The adjuster's document fixing the indemnity owed, sent to the insured to sign
C.The insurer's written communication rejecting the claim and stating its reasons
D.An arbitration award fixing the indemnity after a dispute
Explanation: Res. SBS N° 3202-2013 defines the convenio de ajuste as the document in which the amount of the indemnity (or other benefit) is set, prepared by the claims adjuster. Article 8 of that regulation has it sent to the insured for signature as a sign of agreement, and Article 55 of Res. SBS N° 809-2019 states that only an adjuster may sign it and is responsible for its content.
10Once a convenio de ajuste signed by the insured is delivered to the insurer, how long does the insurer have to approve or reject it before the claim is deemed consented (consentido)?
A.10 days
B.15 days
C.20 days
D.30 days
Explanation: Article 74 of Ley N° 29946 and Article 8 of Res. SBS N° 3202-2013 give the insurer 10 days from delivery of the convenio signed by the insured to approve or reject it. If it does not respond in that time, the claim is consented and the insurer must pay within the following 30 days. If it disagrees with the amount, it may request a new adjustment, to be completed within 30 days.

About the SBS Auxiliar de Seguros Exam

The SBS Examen de Competencias para Auxiliar de Seguros Persona Natural is the official competency evaluation administered by the Superintendencia de Banca, Seguros y AFP in Peru for individuals seeking registration as insurance auxiliaries (claims adjusters — ajustadores de siniestros, and insurance surveyors — peritos de seguros) under Ley N° 26702, Ley N° 29946, and Resolución SBS N° 808-2019. This page offers independent English-language practice by OpenExamPrep, covering regulatory frameworks, adjustment procedures, loss calculation, and technical inspection standards.

Exam sponsor: Superintendencia de Banca, Seguros y AFP (SBS). The requirements and fees below concern the certification or admission exam, separate from our free practice resources.

Assessment

The registration process consists of: (1) applying during an SBS convocatoria with the required diploma (surveyors) or graduate status plus 150 lecture hours of insurance studies, or 5 years of adjusting experience within the last 7 years (adjusters); (2) sitting the competency exam or exams set by the SBS in Spanish for the categories applied for; (3) within 60 days of the results, filing the registration form, CV, sworn declarations and, for adjusters, claims-handling manuals; and (4) after the SBS authorizes registration, paying the proportional contribution and reporting the RUC within six months.

Time Limit

Not published; set by the SBS for each convocatoria

Passing Score

Not published; results are communicated as approved or not approved

Exam / Certification Fees

No separate exam fee published; registered natural-person adjusters and surveyors pay an annual SBS contribution (S/ 746 for 2026), prorated in the year registration is authorized

Exam sponsor website

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

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.

19% practice coverage

Marco Legal y Normativo de los Auxiliares de Seguros

Registration requirements, impediments, independence, conflicts of interest, prohibited conduct, and reporting duties of adjusters and surveyors.

23% practice coverage

Procedimiento de Ajuste de Siniestros e Investigación de Pérdidas

Adjuster designation rules, notice of loss, site investigation, evidence preservation, convenios de ajuste, statutory deadlines, and arbitration.

32% practice coverage

Liquidación de Daños, Principio Indemnizatorio y Reglas de Cobertura

Indemnity calculations, underinsurance and proportional rule, deductibles, depreciation, salvage management, subrogation rights, and loss reports.

26% practice coverage

Peritaje de Seguros, Inspección de Riesgos y Ramos Específicos

Pre-risk appraisal, risk inspection reporting, average survey, marine survey, engineering and machinery breakdown risks, and loss prevention recommendations.

Preparing for the SBS Auxiliar de Seguros Exam

What You Need to Know

  • Passing score: Not published; results are communicated as approved or not approved
  • Assessment: The registration process consists of: (1) applying during an SBS convocatoria with the required diploma (surveyors) or graduate status plus 150 lecture hours of insurance studies, or 5 years of adjusting experience within the last 7 years (adjusters); (2) sitting the competency exam or exams set by the SBS in Spanish for the categories applied for; (3) within 60 days of the results, filing the registration form, CV, sworn declarations and, for adjusters, claims-handling manuals; and (4) after the SBS authorizes registration, paying the proportional contribution and reporting the RUC within six months.
  • Time limit: Not published; set by the SBS for each convocatoria
  • Exam / certification fees: No separate exam fee published; registered natural-person adjusters and surveyors pay an annual SBS contribution (S/ 746 for 2026), prorated in the year registration is authorized Official sources

Using Our Practice Resources

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SBS Auxiliar de Seguros: Suggested Study Strategy

1Distinguish adjusters (Ley N° 26702, Art. 343) from surveyors (Art. 344), and both from brokers (Art. 335).
2Memorize the Res. SBS N° 3202-2013 timeline: adjuster designated within 3 days, report within 20 days of complete documentation, insurer's 10-day response to a signed convenio de ajuste, then 30 days to pay once the claim is consented.
3Practice underinsurance calculations (regla proporcional): Indemnity = Loss × (Sum Insured / Value at Risk), before applying the deductible.
4Know that a convenio de ajuste may be signed only by an adjuster (Res. SBS N° 809-2019, Art. 55.3) and that the insurer may demand a new adjustment within 30 days (Ley N° 29946, Art. 74).
5Review the conduct rules for auxiliaries in Res. SBS N° 809-2019 (Arts. 52–63): independence, conflicts of interest, prohibited conduct, reports to the SBS, and the register of adjustment reports.

Frequently Asked Questions

What is an Auxiliar de Seguros under Peruvian law?

Article 335 of Ley N° 26702 classifies claims adjusters (ajustadores de siniestros) and insurance surveyors (peritos de seguros) as insurance auxiliaries, distinct from intermediaries such as insurance brokers. Natural persons and legal entities must be registered in the SBS Registro under Resolución SBS N° 808-2019, and Ley N° 29946 requires adjusters to act technically, independently and impartially.

What is the difference between an Ajustador and a Perito in Peru?

A perito de seguros acts as a risk inspector, loss-prevention adviser or damage surveyor (Article 344 of Ley N° 26702), for example by inspecting risks before underwriting. An ajustador de siniestros intervenes after a loss to investigate its causes, check coverage, quantify the damage and propose the settlement (Article 343). Only an adjuster may sign an adjustment report or a convenio de ajuste.

What are the eligibility requirements to take the SBS Auxiliar evaluation?

Surveyors need a technical or university diploma or degree (marine surveyors may instead present a valid DICAPI Perito Naval title in hull and machinery). Adjusters need technical or university graduate status plus at least 150 lecture hours of insurance studies, or alternatively at least 5 years of claims-adjusting experience within the last 7 years. Applicants must not fall under the impediments in Article 12 of Res. SBS N° 808-2019.

Do adjusters and surveyors need professional liability insurance?

No. Under Res. SBS N° 808-2019 and Res. SBS N° 809-2019, the professional civil liability policy is required of intermediaries (brokers). After registration is authorized, natural-person auxiliaries must pay the proportional SBS contribution and report their RUC; adjusters must also have claims-handling policy and procedure manuals.

How long is the exam and how many questions are there?

The SBS does not publish an item count or time limit; each convocatoria sets the arrangements. The questions on this page provide an independent 100-item practice bank.

What language is the official examination administered in?

The official SBS evaluation is conducted in Spanish. This OpenExamPrep resource is an independent English-language MCQ study adaptation, not an official translation or format simulation, designed for learners and bilingual professionals preparing for the assessment.