LLQP Accident & Sickness

Insurance licensing in Canada is provincial and territorial. Each regulator sets its own requirements and recognizes a certification exam provider. Check your regulator's website for the accepted exam, how to register, and what else your licence application needs, such as an errors and omissions policy or a sponsor.

It is a closed-book, computer-based, multiple-choice exam written at a test centre or through remote proctoring, depending on the provider. Questions are scenario-based as well as definitional, so expect to apply rules to short fact patterns rather than just recall terms.

The official body publishes the current question count and time limit, and these can change. Rather than rely on secondhand numbers, check your regulator's or the exam provider's site for the version that applies to your sitting, and plan your pacing practice around that figure.

The passing standard is set officially and is published by the regulator or exam provider. Confirm the current requirement on their website. Because scoring methods and standards can be revised, treat any number you hear from a classmate or forum as unverified.

Most candidates find it manageable with proper study but not trivial. The challenge is breadth plus application: disability benefit offsets, critical illness survival periods, and contract provisions all appear in scenario form. Candidates who only skim the module and drill definitions tend to struggle on the applied questions.

Retake rules, waiting periods, and any fees are set by the regulator and exam provider, so confirm the current policy on their site before you write. In practice, treat the first attempt as the one to prepare for properly rather than budgeting for a retake.

Start with fundamentals and regulation and policy provisions, because the vocabulary and contract rules underpin everything else. Then move through individual products, disability income, critical illness, long-term care, and group benefits. Finish with underwriting, claims, premiums, and ethics, revisiting the heavy domains near the end.

The usual causes are weak grasp of disability income definitions and offsets, confusing similar critical illness and long-term care features, misreading stems that ask for the exception or the best answer, and neglecting ethics and suitability content because it seems like common sense. Practicing under time pressure exposes all of these.

Yes, but use them as diagnostics rather than a scoreboard. After each set, write down why the correct option is right and why each distractor fails. That habit builds the applied reasoning the scenario questions reward, and it surfaces gaps in definitions before exam day.