PracticeVideosBlogFlashcardsEspañol
All Practice Exams

Free Practice Questions for SBS Corredor Ramos Personas

Exam-style questions and explanations by OpenExamPrep.

✓ No registration✓ No credit card
100+ Questions
100% Free

Loading practice questions...

Same family resources

Explore More SBS Intermediarios y Auxiliares de Seguros (Peru)

Continue into nearby exams from the same family. Each card keeps practice questions, study guides, flashcards, videos, and articles in one place.

SBS Examen de Competencias — Auxiliar de Seguros Persona Natural (Peru)

Practice Questions

SBS Examen de Competencias — Corredor de Seguros Ramos Generales (Peru)

Practice Questions
Exam Review

Key Facts: SBS Corredor Ramos Personas Exam

150 hours

Minimum insurance studies for applicants qualifying through the studies route for personas (350 for generales and personas)

Res. SBS N° 808-2019, para. 5.2

5 years

Technical insurance experience within the last 7 years, in the branch applied for, that qualifies an applicant

Res. SBS N° 808-2019, para. 5.2

1st day

When Seguro de Vida Ley coverage becomes mandatory for private-sector workers

Decreto de Urgencia N° 044-2019

15 days

Right of withdrawal for insurance offered outside insurer or broker premises or through sales promoters

Ley N° 29946, Art. 41

Ley N° 26790

Social Security Health Modernization Law establishing the SCTR and EPS frameworks

Ley N° 26790

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

Candidates seeking SBS registration as insurance brokers in Ramos Personas (life, health, personal accidents, Vida Ley, and SCTR) must pass the SBS competency evaluation. Prepare with this independent English-language practice covering Peruvian personal lines insurance law and market conduct.

Sample SBS Corredor Ramos Personas Practice Questions

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

1Under the definitions in Article 2 of Resolución SBS N° 808-2019, which lines may a broker registered as 'corredor de seguros de personas' intermediate?
A.Fire and motor insurance, as long as the client is an individual
B.Life insurance, personal accident and medical assistance (health) insurance
C.Personal accident and medical assistance only, but not life insurance
D.All branches, because the SBS registers brokers without distinguishing branches
Explanation: Article 2 of Res. SBS N° 808-2019 defines corredores de seguros de personas as brokers authorized for life insurance branches, plus personal accident and medical assistance. Corredores de seguros generales cover general branches except personal accident and medical assistance, and a third category covers both. The Registro (Section III) lists natural-person brokers in these three categories.
2Under Resolución SBS N° 808-2019, how many lecture hours of specialized coursework in personal insurance lines are required for an applicant qualifying for the Corredor de Ramos de Personas licensing route via education?
A.50 lecture hours
B.150 lecture hours
C.250 lecture hours
D.500 lecture hours
Explanation: Paragraph 5.2 of Res. SBS N° 808-2019 lets broker applicants qualify through one of several alternatives: a university or technical degree (egresado), five years of insurance experience within the last seven in the branch applied for, or certified insurance studies. On the studies route, the minimum is 150 lecture hours (horas lectivas) for brokers specialized in personas, 250 for generales, and 350 for both generales and personas.
3Under Article 41 of Ley N° 29946, which marketing practice is prohibited when insurance is offered alongside another product, such as a loan?
A.Offering the client a choice among several insurers and products
B.Predetermining the insurer through connected contracts, limiting free choice
C.Explaining the exclusions of the policy before the sale
D.Informing the client of the right of withdrawal before contracting
Explanation: Article 41.2 of Ley N° 29946 prohibits practices that impose, directly or indirectly, the purchase of an insurance contract (except compulsory insurance). It also prohibits predetermining the name of the insurer through connected contracts in a way that limits the freedom of choice, and denying or restricting the insured's right to advice from an authorized broker. The SBS may sanction these practices.
4Under Article 41 of Ley N° 29946, what is the right of withdrawal (derecho de arrepentimiento) when insurance is offered outside the insurer's or broker's commercial premises or through sales promoters?
A.Within 15 days of receiving the policy or cover note, without reasons, with the premium refunded
B.The policyholder may cancel within 30 days, but only by proving the policy was mis-sold
C.The policyholder may cancel within 15 days, but the insurer keeps a 20% administrative fee
D.The policyholder may cancel within 5 days, and only for policies bought at the insurer's office
Explanation: Article 41.1 of Ley N° 29946 applies when insurance is offered outside the commercial premises of insurers or brokers, or through sales promoters. The prospective policyholder must receive clear written information about the right of withdrawal and may resolve the contract without stating reasons within 15 days after receiving the policy or a provisional cover note, with the premium returned. For broker intermediation by distance channels, Article 31 of Res. SBS N° 809-2019 sets a period of no less than 15 days, available while no cover or benefit has been used.
5Why are life insurance products with a savings or investment component, especially single-premium policies with early surrender, treated as higher money-laundering risk in AML programs?
A.Because life insurance contracts are exempt from income taxation in Peru
B.Because large premiums can be paid in and quickly recovered through surrender
C.Because such policies cannot be surrendered before maturity
D.Because their premiums are paid only by employers on behalf of staff
Explanation: Products that accept large single premiums, accumulate cash value and allow early surrender let funds enter and leave the financial system as apparently legitimate insurance proceeds. AML risk assessments therefore treat them as higher-risk products, calling for closer customer due diligence and monitoring by insurers and intermediaries.
6Under Article 14 of Resolución SBS N° 809-2019, what must a broker explain to a prospective policyholder before the contract is concluded?
A.Only the premium amount and the dates on which each installment is due
B.The cover, exclusions, deductibles, premium terms and effects of non-payment
C.Only the insurer's name, its solvency rating and its customer service channels
D.Nothing until the policy has been issued and delivered to the client
Explanation: Article 14.1 of Res. SBS N° 809-2019 requires brokers to advise prospective policyholders on the most suitable cover. Before contracting, they must explain the scope of basic cover, additional cover, exclusions, franchises or deductibles, the form and deadlines for premium payment, the effects of non-payment, and the rights and obligations arising from the contract, so the client can decide on an informed basis. Separately, Article 26 of Ley N° 29946 requires the insurer to deliver a summary of the cover together with the policy.
7Under Article 39 of Ley N° 29946, what is an abusive clause (cláusula abusiva) and what is its effect?
A.Any clause the insured approved specifically in writing is valid, even if abusive
B.A non-negotiated clause causing a significant imbalance against the insured; it is null
C.A clause granting the insured a premium discount on renewal
D.A clause that becomes valid if a broker took part in the contract
Explanation: Article 39 of Ley N° 29946 defines abusive clauses as non-negotiated stipulations that, against the demands of utmost good faith, cause a significant imbalance in the parties' rights and obligations to the insured's detriment. They are null de pleno derecho and treated as not agreed. A clause remains abusive even if the insured approved it specifically in writing, and the participation of a broker does not change that. Article 40 adds a list of prohibited stipulations.
8After an insurer rejects a life or health claim, within what period may the insured or beneficiary file a claim with the Defensoría del Asegurado (DEFASEG)?
A.Within 15 days of the rejection letter, like the right of withdrawal
B.Within 2 years from the day after the first rejection notice
C.Within 10 years from the date of the loss, like any contract action
D.At any time, since DEFASEG sets no filing deadline
Explanation: According to DEFASEG, a claim may be filed within 2 years, counted from the day after the insurer's first notification of its decision not to pay. DEFASEG, promoted by the insurers' association APESEG, resolves claims of up to USD 50,000 free of charge; a favorable ruling binds the insurer, while a dismissed claimant may still go to INDECOPI or the courts.
9How does personal (life) insurance differ from property insurance under Ley N° 29946?
A.Life insurance needs no consent or interest, so anyone may insure a stranger's life
B.Life cover pays an agreed capital, not an indemnity, and third-party death cover needs written consent
C.Life insurance is a contract of indemnity, so the benefit is limited to the proven economic loss
D.Insurable interest in life insurance is measured by the value of the insured's property
Explanation: Under Article 120 of Ley N° 29946, life insurance pays an agreed capital, annuity or other benefit on death or survival, not an indemnity measured by a loss. Article 116 prevents the insurer from subrogating against third parties in personal insurance, except for medical expenses paid. Article 121 requires the written consent of the insured when the policyholder and insured are different people in death cover.
10Under Article 121 of Ley N° 29946, what applies when a policyholder takes out death cover on the life of another person?
A.Only the approval of the municipal mayor of the district where the insured lives
B.The insured's written consent (plus guardians' for minors); no death cover under age 16, with limited exceptions
C.The insured must not be told about the policy, so as to avoid causing any distress or conflict within the insured's family
D.The insured must pay half of the premium personally for the contract to be valid
Explanation: Article 121 of Ley N° 29946 requires the written consent of the insured whenever the policyholder and the insured are different persons in death cover; for a minor, the written authorization of the legal representatives is also needed. The insured may revoke the consent in writing at any time, ending cover with a pro-rata premium refund. Death cover cannot be contracted on persons under 16 or judicially declared incapable, except where the death benefit is equal to or lower than the premium paid or the surrender value.

About the SBS Corredor Ramos Personas Exam

The SBS Examen de Competencias para Corredor de Seguros Ramos Personas is the mandatory technical evaluation administered by the Superintendencia de Banca, Seguros y AFP in Peru for natural persons seeking registration as personal lines insurance brokers. It covers individual and group life insurance, health and personal accident insurance, mandatory workplace insurance (Vida Ley and SCTR), credit life (desgravamen), and pension system insurance under Ley N° 26702, Ley N° 29946, and Resolución SBS N° 808-2019. This page provides independent English-language practice by OpenExamPrep.

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 licensing path comprises: (1) applying during an SBS convocatoria with proof of graduate status, 5 years of technical insurance experience within the last 7 years in the branch, or 150 lecture hours of insurance studies; (2) passing the SBS in-person competency exam for Ramos Personas; (3) within 60 days of the results, filing the registration form, CV, sworn declarations, code of conduct and declaration of required manuals; and (4) after the SBS authorizes registration, paying the proportional contribution, presenting the professional civil liability policy 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 brokers pay an annual SBS contribution (S/ 871 for 2026), prorated in the year registration is authorized, and keep a professional civil liability policy

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.

19% practice coverage

Marco Legal, Regulatorio y Conducta de Mercado

Peruvian regulatory statutes, broker advice and comparison duties, pre-contractual disclosure, prohibited practices, anti-money laundering (SPLAFT), and the carta de nombramiento.

24% practice coverage

Principios Contractuales y Técnica del Seguro de Personas

Insurable interest and consent, health declarations, pre-existing conditions, waiting periods, beneficiaries, incontestability, suicide, age misstatement, non-forfeiture options, and mathematical reserves.

17% practice coverage

Seguros de Vida Individual y Colectivo

Term life, whole life, endowments, investment-linked life products, riders, group life, annuities, and credit life (desgravamen) rules.

25% practice coverage

Seguros Obligatorios Laborales y Previsionales

Seguro de Vida Ley from the first day of employment, SCTR Salud and Pensión for high-risk activities, and SPP disability, survivor and funeral insurance.

15% practice coverage

Seguros de Salud y Accidentes Personales

EPS health plans, private health insurance policies, provider tiers, copayments, coinsurance, exclusions, and personal accident covers.

Preparing for the SBS Corredor Ramos Personas Exam

What You Need to Know

  • Passing score: Not published; results are communicated as approved or not approved
  • Assessment: The licensing path comprises: (1) applying during an SBS convocatoria with proof of graduate status, 5 years of technical insurance experience within the last 7 years in the branch, or 150 lecture hours of insurance studies; (2) passing the SBS in-person competency exam for Ramos Personas; (3) within 60 days of the results, filing the registration form, CV, sworn declarations, code of conduct and declaration of required manuals; and (4) after the SBS authorizes registration, paying the proportional contribution, presenting the professional civil liability policy 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 brokers pay an annual SBS contribution (S/ 871 for 2026), prorated in the year registration is authorized, and keep a professional civil liability policy 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

SBS Corredor Ramos Personas: Suggested Study Strategy

1Memorize the Seguro de Vida Ley benefits: 16 monthly remunerations for natural death, 32 for accidental death or accidental total permanent disability.
2Understand the separation between SCTR Salud (contracted with EsSalud or an EPS) and SCTR Pensión (contracted with the ONP or a private insurance company).
3Learn the desgravamen rules: lenders must let borrowers endorse their own life policy, without fees for that choice, and give reasons for any rejection.
4Review the consequences of reticence and inaccurate health declarations under Articles 8 to 15 of Ley N° 29946, and the two-year incontestability rule in Article 122.
5Study the life policyholder's rights under Article 126 of Ley N° 29946: reduction, policy loans and surrender after the first two annual premiums.

Frequently Asked Questions

What lines of insurance are covered under Ramos Personas in Peru?

Under Article 2 of Res. SBS N° 808-2019, corredores de seguros de personas may intermediate life insurance branches plus personal accident and medical assistance (health) insurance. Practice for this registration also draws on related regimes such as Seguro de Vida Ley, SCTR, desgravamen and SPP insurance.

What are the requirements for Seguro de Vida Ley in Peru?

Under Decreto Legislativo N° 688 as amended by Decreto de Urgencia N° 044-2019, employers must insure private-sector workers from their first day of employment. The benefits are 16 monthly remunerations for natural death and 32 for accidental death or total permanent disability caused by an accident. Under Ley N° 31149, a worker who leaves may keep the cover by applying to the insurer within 60 days and paying the premium.

What is SCTR and who must be covered?

Seguro Complementario de Trabajo de Riesgo (SCTR) is mandatory under Ley N° 26790 and D.S. N° 003-98-SA for employers carrying out the high-risk activities listed in Annex 5 of D.S. N° 009-97-SA. It has two covers: SCTR Salud (medical care and rehabilitation, with EsSalud or an EPS) and SCTR Pensión (disability and survivor pensions and funeral expenses, with the ONP or an insurer).

What is the right of withdrawal (derecho de arrepentimiento)?

Under Article 41 of Ley N° 29946, when insurance is offered outside the commercial premises of insurers or brokers, or through sales promoters, the policyholder may resolve the contract without giving reasons within 15 days of receiving the policy or a provisional cover note, with the premium refunded.

What are the prerequisites to take the SBS Ramos Personas exam?

Applicants must present one of: technical or university graduate status; at least 5 years of technical experience in an insurer or brokerage within the last 7 years, in the branch applied for; or at least 150 lecture hours of insurance studies (350 if applying for generales and personas). They must also not fall under the Article 12 impediments of Res. SBS N° 808-2019.

Is this practice exam official?

No. The official evaluation is set in Spanish by the SBS. This practice test is an independent English-language MCQ study adaptation created by OpenExamPrep, not an official translation or format simulation.