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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 requires a minimum of 50 study hours (yeah right, and the rest!) and once successfully passed gives candidates 10 CII credits (it should be worth so much more, in our opinion!).

What make this R0 unit such a tough ask? Why do many candidates ‘defer their success’ in R04, some on multiple occasions? 

How to pass the CII R04 | Why does this exam have the lowest pass rate?

This week, BTS Director Luiza Todd penned an article for Professional Paraplanner Magazine, looking at the issues facing R04 candidates and tips on how to pass the CII R04.

You can read the full article here:

R04 has just a 61% pass rate – why? –

Luiza is also responsible for writing and updating the BTS R04 materials, including our banks of exam-standard R04 exam questions on the BTS R0 Study Buddy app. Available on the App Store and Google Play.


View Our R04 Exam overview/toolkit to purchase any R04 Study support including Study Guides, e-Learning modules, online workshops and study buddy. 

Find out more in depth help and advise to structure your R04 studies by viewing our R04 Study Plan.

Chat with other R04 candidates in the dedicated BTS R04 online forum room to help keep up to date , find out any new information and gain help and advise from others.

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