Many people say: ACII (Associateship of Chartered Insurance Institute) is the most difficult professional degree in insurance industry compared to CPCU (Associateship), LOMA (Associateship) or ANZIIF (Senior Associateship), because you must completed 10 or 11 subjects (ALL subjective questions), no objective questions at all. But luckly, i completed it in 2 and half years.

But later on, myu interest change to actuarial study, I start taking SOA exam, I dont know am I stupid enough to understand the theory or whatever, i yet to pass a subjects in that.

So, Ithink SOA is very difficult.