It can fit
Roles limited to disability, critical illness, long-term care, health and dental coverage, or group benefits, where you will never recommend life insurance, segregated funds or annuities.
The Accident & Sickness-only licence
The LLQP offers a shorter route for people whose work stops at accident and sickness products: pass two modules, Accident and Sickness Insurance and Ethics and Professional Practice, instead of four. It takes 150 minutes of exams instead of 300. It also limits what you can sell, so it is worth understanding before you choose it.
The two modules
| Module | Scored | Pilot | Time |
|---|---|---|---|
| Accident and Sickness | 30 | 5 | 75 min |
| Ethics and Professional Practice | 20 | 5 | 75 min |
60% on each module: 18 of 30 for A&S, 12 of 20 for Ethics. The rewrite policy is the same as for the full program. The two modules can be written in any order; Ethics scenarios often read more easily once you know the A&S products.
Which path fits your profile?
Life Insurance
Multiple choice · 75 minutes
Accident and Sickness Insurance
Multiple choice · 75 minutes
Segregated Funds and Annuities
Multiple choice · 75 minutes
Ethics and Professional Practice (common law)
Multiple choice · 75 minutes
300 minutes of exam time. Passing mark: 60% on each exam.
Accident and Sickness Insurance
Multiple choice · 75 minutes
Ethics and Professional Practice (common law)
Multiple choice · 75 minutes
150 minutes of exam time. Passing mark: 60% on each exam.
Verified on October 21, 2026 at abcouncil.ab.ca. CISRO policy: 3 rewrites, 24 hours between attempts, 1-year wait after a fourth fail. PEI applies a 6-month wait after the third attempt.
Who the A&S-only route suits
The choice depends on the products you will discuss with clients, not on how hard the exams look.
It rarely fits
Financial planning or advisory roles where a client conversation can move from disability coverage to a life policy or a retirement product in the same meeting.
Ask first
The employer or insurer that will sponsor or endorse you usually has a view. Ask which licence it expects before you register, so you do not write the wrong set.
Upgrading to the full life licence later
The two modules you pass are the same ones the life licence requires. Upgrading means adding Life Insurance and Segregated Funds and Annuities.
The catch is timing. Your course certificate is valid for 12 months from completion (CISRO), and provinces set a deadline for the licence application after passing: one year from the first pass in Ontario, within one year in BC, 12 months in Alberta. If you plan to upgrade, decide early whether you can write the extra modules within those windows, or whether you will need to retake the course later.
How the deadlines combine with rewrites is explained on the retake rules page.
Example
A candidate in Calgary joins a group-benefits team and writes A&S and Ethics in March. The AIC charges $50 for the A&S program. In September her employer offers her an advisory role. To add life products she needs Life Insurance and Segregated Funds and Annuities, and must check with the AIC whether her course and certification are still within their one-year validity.
Two modules, two very different exams
The A&S-only route is shorter, not lighter. Its two modules test different skills, and the second one is the one with the least margin in the whole LLQP.
Accident and Sickness
A product module: disability income, critical illness, long-term care, health and dental, business coverage and group plans. Most questions are short client cases where the contract wording decides the answer, especially the definition of disability, the elimination period and renewability. 30 scored questions give you a margin of 12 misses.
Ethics and Professional Practice
A law module: contract formation, policy provisions, claims and the rules governing agents. Only 20 scored questions, so 8 misses is the limit. Scenarios are longer and the wrong options often describe something an agent might reasonably want to do but is not allowed to.
Common mistake on this route
Candidates on the A&S-only route sometimes give Ethics less time because “it is only two modules”. With fewer modules, a failed Ethics attempt is half your exam load, and the rewrite policy is the same as for everyone: up to 3 rewrites, 24 hours apart, then a one-year wait after a fourth failure.
A four-week plan for the two modules
Week 1: A&S products
Income, asset, savings and business protection. Build a one-page table of definitions and clauses.
Week 2: A&S cases and group plans
Client cases, group eligibility and termination, then one timed A&S practice exam.
Week 3: Ethics
Legal framework, policy provisions, claims, agent rules. Read every explanation, including for questions you got right.
Week 4: timed practice
Two practice exams per module on unseen questions. Book once both modules are at 70% or more.
Province notes
- Alberta: the A&S program costs $50, rewrites $50 per module, non-refundable.
- British Columbia: the Council’s supervision rule applies to new life and A&S agents: at least 24 months, or 12 with CLU, CFP or RFP.
- Ontario: FSRA licenses life and accident and sickness agents under the same application process, with insurer sponsorship, E&O and the $170 two-year licence.
- Other provinces: see the licence guide by province.
Is the A&S-only licence faster to get?
The exams take half the time: two 75-minute modules instead of four. The licensing steps after the exams are similar.
Is Ethics the same module for both licences?
Yes. You write the same Ethics and Professional Practice (common law) module, with 20 scored questions.
Does your course cover the A&S-only route?
Yes. The course covers all four modules; for this route you work only the A&S and Ethics modules and their practice exams.
Preparing for the exam? 2,760 questions in the official format · $40
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