LLQP Life
Life Insurance Qualification Program (LLQP) - provincial life insurance agent exam
More study resources
Cheat sheet
Keep the key ideas within reach.
ExploreKey terms
Get comfortable with the vocabulary.
ExploreStudy plan
Give each week a clear focus.
ExploreCommon mistakes
Understand the traps and how to avoid them.
ExploreCase studies
Put your knowledge to work in context.
ExploreExam-day guide
Prepare for the day ahead.
ExploreAbout this exam
The Life Insurance Qualification Program (LLQP) is the pre-qualification course students must pass before they are permitted to attempt provincial life insurance exams in Canada. It is the entry route for anyone who intends to sell life insurance or life-insurance-related savings products, and it also underpins the accident and sickness licence, which can later be topped up to a full life licence.
Training is delivered as structured online courses rather than a single exam. The life insurance agent stream includes the accident and sickness module as a mandatory requirement, while a candidate who wants to sell only accident and sickness products can take that course alone. Course material typically combines online text, on-demand videos, quizzes, mock exams and interactive lessons, studied at the candidate's own pace.
Preparation should be built around active recall rather than reading: work the modules in order, use the practice questions and mock exams to locate weak areas, and revisit the short concept videos for topics that do not stick. Note that the LLQP is a training requirement; exam scheduling, format and pass standards are set by the provincial regulator, not by any course provider. This page is an independent study resource and is not affiliated with any provider or regulator.
What you'll study
About LLQP Life preparation
What exactly is the LLQP?
The LLQP is the pre-qualification course students must pass before they are permitted to attempt provincial life insurance exams. Completing the program is a training step; the licence itself is issued by the provincial regulator once you have passed the provincial exam.
How long is the provincial exam and what is the pass mark?
Those details are set by the provincial regulator and are not published on the course site, so treat any figure quoted elsewhere as unverified. Confirm question count, time limit, pass mark, retake rules and fees directly with the regulator in the province where you intend to be licensed before you book.
Do I have to take the Accident and Sickness module if I only want to sell life insurance?
Yes. The life insurance agent course includes the Accident and Sickness course module as a mandatory requirement. If you intend to sell life insurance or any life insurance-related savings product in any Canadian province or territory, you take the combined life course.
Can I start with accident and sickness only and add life insurance later?
Yes. If you intend to sell only accident and sickness insurance products, you can take that course alone. It is possible to top up an accident and sickness licence with the remaining modules later if you decide to sell life insurance products and write the relevant provincial exams.
Which course version applies in Quebec?
Course options are split three ways: full LLQP for all provinces and territories except Quebec, full LLQP for Quebec only, and full LLQP for all provinces and territories including Quebec. Choose the version that matches every jurisdiction where you intend to be licensed so you do not repeat modules.
Is there a fixed study schedule or deadline?
No fixed schedule is published. The course is built for self-paced study on your own timetable, using online text, on-demand videos, quizzes, mock exams and interactive lessons. Plan backwards from your target exam date and leave room for at least one full mock exam.
How difficult is it, and what proportion pass first time?
Eighty-four percent of students who complete the course pass their provincial life insurance exams on their first attempt, and eighty-three percent report that they were well-prepared. Those figures describe course completers, so finishing the material and the practice questions matters far more than skimming it.
What is the most common study mistake?
Passive reading. Work the modules in order, then use the thousands of practice questions and mock exams to expose gaps, and rewatch the short concept videos on anything you keep missing. Learners with different education, language and industry backgrounds are supported with multilingual resources.
Can any of the course cost be recovered?
The provider is a Certified Institution under the Income Tax Act, and LLQP students can claim fees paid according to the terms of the Canada Training Credit, including half of the LLQP fee if the limit has not been exceeded. A 50 percent provincial credit for Ontario residents was announced for 2021; confirm current eligibility yourself.