Failure in the senior year may not necessarily affect the insurance research: 1. Some schools stipulate that if you fail in the senior year, you will be disqualified from the postgraduate study. But some schools will not be affected as long as no one reports it. As long as you fail in the exam and there is no response on the report card, you can apply for postgraduate study, but this is for the admitted schools, and they can't know that they failed in the exam. 3. Some schools won't give places for research because they fail. 4, repeat, according to the score of 80% included in the total score of insurance research. The specific regulations of different departments will be different.

Different schools have different regulations, so call your school's academic affairs office directly. As far as I know, it is possible to retake the exam, but the results before retake the exam are still the basis for research, and the retake subjects are marked with the words retake in the report card.