How to pass the CII R04 | Demystifying the Annual Allowance and Lifetime Allowance
Despite HMRC attempts to keep things simple, it’s a well-known issue that pensions are anything but. The theory is, if we can make pensions easier to understand then more clients will contribute towards their retirement planning, easing the financial burden on the state. In our view, the government still have a long way to go […]
How to pass the CII R04 | Acing the exam with the lowest national pass rate
Why is the R04 exam difficult to pass? The main reason that the CII R04 exam is so difficult to pass is the sheer volume of pension information candidates must learn, understand and be able to apply. Whoever coined the phrase ‘pension simplification’ needs a good kicking. We think HMRC must be having a good […]
How to pass the CII R04 | Why does this exam have the lowest pass rate?
The Chartered Insurance Institute (CII) R04 Pensions and Retirement Planning unit now has the lowest countrywide pass rate. Why? More importantly, how do you increase your chances to pass the CII R04 exam? The CII pensions unit had a countrywide pass rate of 61% in the 2020 calendar exam year. This is a unit that […]
How to Pass the CII R04 | 5 Reasons This Paper Has the Lowest Pass Rate and How To Beat It!

The Chartered Insurance Institute (CII) R04 Pensions and Retirement Planning unit now has the lowest countrywide pass rate. In this article, Luiza Todd FPFS CFP explores five reasons why candidates can struggle with the R04 exam and offers her tips on how to pass the CII R04 exam. The CII pensions unit had a countrywide […]
How to pass the CII R04 | Demystifying the Annual Allowance and Lifetime Allowance
How to pass the CII R04 | Acing the exam with the lowest national pass rate
How to pass the CII R04 | Why does this exam have the lowest pass rate?
How to Pass the CII R04 | 5 Reasons This Paper Has the Lowest Pass Rate and How To Beat It!
