Insurance and Risk Management is a course built for those who wish to explore how to identify, evaluate, and respond to financial and operational risks that affect individuals, businesses, and nations. Prospective students of this course following the 2025/2026 academic session are to understand the JAMB cut-off mark and other admission requirements for the course which is needed to gain admission
General JAMB Cut-Off Mark for Insurance and Risk Management
While JAMB’s general minimum cut-off mark for universities is 140, the specific cut-off mark for Insurance and Risk Management varies by institution, usually falling between 160 and 220. This range reflects how competitive and resourceful the department is in each university.
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Top Institutions Offering Insurance and Risk Management & Their Expected Cut-Off Marks 2025/2026
Here is a list of some Nigerian institutions offering Insurance and Risk Management (or a closely related course under Business Administration or Finance faculties) with their expected cut-off marks:
| FEDERAL UNIVERSITIES | CUT OFF MARK |
|---|---|
| Abubakar Tafawa Balewa University, Bauchi (ATBU) | 140 |
| Ahmadu Bello University, Zaria (ABU) | 140 |
| Bayero University, Kano (BUK) | 140 |
| Federal University Gashua, Yobe (FUGASHUA) | 140 |
| Federal University of Petroleum Resources, Effurun (FUPRE) | 140 |
| Federal University of Technology, Akure (FUTA) | 140 |
| Federal University of Technology, Minna (FUTMINNA) | 140 |
| Federal University of Technology, Owerri (FUTO) | 140 |
| Federal University, Dutse, Jigawa State (FUD) | 140 |
| Federal University, Dutsin-Ma, Katsina (FUDMA) | 140 |
| Federal University, Kashere, Gombe State (FUKASHERE) | 140 |
| Federal University, Lafia, Nasarawa State (FULAFIA) | 140 |
| Federal University, Lokoja, Kogi State (FULOKOJA) | 140 |
| Alex Ekwueme University, Ndufu-Alike, Ebonyi State (FUNAI) | 140 |
| Federal University, Otuoke, Bayelsa (FUOTUOKE) | 140 |
| Federal University, Oye-Ekiti, Ekiti State (FUOYE) | 140 |
| Federal University, Wukari, Taraba State (FUWUKARI) | 140 |
| Federal University, Birnin Kebbi (FUBK) | 140 |
| Federal University, Gusau Zamfara (FUGUS) | 140 |
| Michael Okpara University of Agricultural Umudike (MOUAU) | 140 |
| Modibbo Adama University of Technology, Yola (MAUTECH) | 140 |
| National Open University of Nigeria, Lagos (NOUN) | 140 |
| Nigeria Police Academy Wudil (NPA) | 140 |
| Nigerian Defence Academy Kaduna (NDA) | 140 |
| Nnamdi Azikiwe University, Awka (UNIZIK) | 140 |
| Obafemi Awolowo University, Ile-Ife (OAU) | 140 |
| University of Abuja, Gwagwalada (UNIABUJA) | 140 |
| Federal University of Agriculture, Abeokuta (FUNAAB) | 140 |
| University of Agriculture, Makurdi (FUAM) | 140 |
| University of Benin (UNIBEN) | 140 |
| University of Calabar (UNICAL) | 140 |
| University of Ibadan (UI) | 140 |
| University of Ilorin (UNILORIN) | 140 |
| University of Jos (UNIJOS) | 140 |
| University of Lagos (UNILAG) | 140 |
| University of Maiduguri (UNIMAID) | 140 |
| University of Nigeria, Nsukka (UNN) | 140 |
| University of Port-Harcourt (UNIPORT) | 140 |
| University of Uyo (UNIUYO) | 140 |
| Usumanu Danfodiyo University (UDUSOK) | 140 |
| Nigerian Maritime University Okerenkoko, Delta State (NMU) | 140 |
| Air Force Institute of Technology, Kaduna (AFIT) | 140 |
| Nigerian Army University Biu (NAUB) | 140 |
| Federal University of Health Technology, Otukpo Benue State (FUHSO) | 140 |
| Federal University of Agriculture, Zuru, Kebbi State (FUAZ) | 140 |
| Federal University of Technology, Babura, Jigawa State (FUTB) | 140 |
| Federal University of Technology, Ikot Abasi, Akwa Ibom State (FUTIA) | 140 |
| Federal University of Health Sciences, Azare, Bauchi State (FUHSA) | 140 |
| Federal University of Health Sciences, Ila Orangun, Osun State (FUHSI) | 140 |
| STATE UNIVERSITIES | CUT OFF MARK |
|---|---|
| Abia State University, Uturu (ABSU) | 140 |
| Adamawa State University Mubi (ADSU) | 140 |
| Adekunle Ajasin University, Akungba (AAUA) | 140 |
| Akwa Ibom State University, Ikot Akpaden (AKSU) | 140 |
| Ambrose Alli University, Ekpoma (AAU) | 140 |
| Chukwuemeka Odumegwu Ojukwu University, Uli (COOU) | 140 |
| Bauchi State University, Gadau (SAZUG) | 140 |
| Benue State University, Makurdi (BSU) | 140 |
| Yobe State University, Damaturu (YSU) | 140 |
| Cross River State University of Technology, Calabar (UNICROSS) | 140 |
| Delta State University Abraka (DELSU) | 140 |
| Ebonyi State University, Abakaliki (EBSU) | 140 |
| Ekiti State University (EKSU) | 140 |
| Enugu State University of Science and Technology, Enugu (ESUT) | 140 |
| Gombe State Univeristy, Gombe (GSU) | 140 |
| Ibrahim Badamasi Babangida University, Lapai (IBBUL) | 140 |
| Ignatius Ajuru University of Education,Rumuolumeni (IAUE) | 140 |
| Imo State University, Owerri (IMSU) | 140 |
| Sule Lamido University, Kafin Hausa, Jigawa (SLU) | 140 |
| Kaduna State University, Kaduna (KASU) | 140 |
| Kano University of Science & Technology, Wudil (KUST) | 140 |
| Kebbi State University of Science and Technology, Aliero (KSUSTA) | 140 |
| Prince Abubakar Audu University Anyigba (PAAU) | 140 |
| Kwara State University, Ilorin (KWASU) | 140 |
| Ladoke Akintola University of Technology, Ogbomoso (LAUTECH) | 140 |
| Ondo State University of Science and Technology Okitipupa (OAUSTECH) | 140 |
| Rivers State University (RSUST) | 140 |
| Olabisi Onabanjo University, Ago Iwoye (OOU) | 140 |
| Lagos State University, Ojo (LASU) | 140 |
| Niger Delta University Yenagoa (NDU) | 140 |
| Nasarawa State University Keffi (NSUK) | 140 |
| Plateau State University Bokkos (PLASU) | 140 |
| Tai Solarin University of Education Ijebu Ode (TASUED) | 140 |
| Umar Musa Yar’ Adua University Katsina (UMYU) | 140 |
| Osun State University Osogbo (UNIOSUN) | 140 |
| Taraba State University, Jalingo (TASU) | 140 |
| Sokoto State University (SSU) | 140 |
| Yusuf Maitama Sule University Kano (YUMSUK) | 140 |
| Oyo State Technical University Ibadan (TECH-U) | 140 |
| Ondo State University of Medical Sciences (UNIMED) | 140 |
| Edo State University Uzairue (EDSU) | 140 |
| Kingsley Ozumba Mbadiwe University Ogboko, Imo State (KOMU) | 140 |
| University of Africa Toru Orua, Bayelsa State (UAT) | 140 |
| Bornu State University, Maiduguri (BOSU) | 140 |
| Moshood Abiola University of Science and Technology Abeokuta (MAPOLY) | 140 |
| Gombe State University of Science and Technology (GSUST) | 140 |
| Zamfara State University (ZAMSUT) | 140 |
| Bayelsa Medical University (BMU) | 140 |
| University of Agriculture and Environmental Sciences Umuagwo, Imo State (UAES) | 140 |
| Confluence University of Science and Technology Osara, Kogi (CUSTECH) | 140 |
| University of Delta, Agbor (UNIDEL) | 140 |
| Delta University of Science and Technology, Ozoro (DSUST) | 140 |
| Dennis Osadebe University, Asaba (DOU) | 140 |
| Bamidele Olumilua University of Science and Technology Ikere, Ekiti State (BOUESTI) | 140 |
| King David Umahi University of Medical Sciences, Uburu, Ebonyi State (KDUMS) | 140 |
| Lagos State University of Education, Ijanikin (LASUED) | 140 |
| Lagos State University of Science and Technology Ikorodu (LASPOTECH) | 140 |
Admission Requirements for Insurance and Risk Management
To secure admission, candidates must satisfy both UTME and O’Level subject requirements, as well as any post-UTME screening the university may conduct.
UTME Subject Combination:
- English Language (Compulsory)
- Mathematics
- Economics
- Any one of Commerce, Accounting, or Government
O’Level Requirements (WAEC/NECO/NABTEB):
- At least five credits, including:
- English Language
- Mathematics
- Economics
- Any two of Commerce, Government, or Financial Accounting
Post-UTME:
- Most universities will require a post-UTME exam or screening.
- Candidates must meet the institutional departmental cut-off mark to qualify.
Direct Entry:
- Applicants with ND, HND, or NCE in relevant fields (e.g., Insurance, Business Administration, Accounting) may be eligible for 200-level entry.
- Two A-Level passes in relevant subjects are also accepted.
Career Opportunities in Insurance and Risk Management
Graduates of this course are in high demand in both public and private sectors, and common career paths include:
- Insurance Underwriter
- Claims Adjuster
- Risk Analyst
- Compliance Officer
- Insurance Broker
- Investment Risk Advisor
- Pension Fund Manager
- Corporate Risk Manager
- Regulatory Compliance Analyst
- Loss Control Consultant
Frequently Asked Questions
What is the minimum JAMB score required for Insurance and Risk Management?
Most institutions accept between 160 and 220, depending on the competitiveness of the program.
Is Insurance and Risk Management the same as just “Insurance”?
Not always. Some schools offer “Insurance” as a general course, while others offer “Insurance and Risk Management” which has a broader focus.
Is Mathematics compulsory in JAMB for this course?
Yes. Mathematics is a core subject both at the UTME and O’Level levels.
Can I study the course at a polytechnic?
Yes. Polytechnics offer National Diploma (ND) and Higher National Diploma (HND) programs in Insurance.
Are there opportunities for international certification?
Yes. Graduates can pursue certifications like the Chartered Insurance Institute (CII) or Certified Risk Manager (CRM).
Can I combine WAEC and NECO for admission?
Yes. Most institutions accept combined results from two sittings.
What is the duration of the course?
The course typically takes 4 years for UTME candidates and 3 years for Direct Entry students.
Does this course require Post-UTME?
Yes, in most cases. Post-UTME is used to further screen applicants after the JAMB exam.
What is the difference between Insurance and Actuarial Science?
Actuarial Science focuses more on statistical and mathematical modeling of risk, while Insurance and Risk Management includes both policy management and risk analysis.
Can I switch into this course from another one?
Yes. If your UTME subject combination and O’Level results match, you may switch via JAMB CAPS or during change-of-course periods.
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