LLQP Accident & Sickness Insurance module

Accident and Sickness (A&S) is the one technical module that every LLQP candidate writes, whether you want the full life licence or the A&S-only licence. It covers the products that protect income, assets, savings and businesses when someone is hurt or falls ill. 30 scored questions, 5 pilots, 75 minutes, 60% to pass.

30scored questions, plus 5 unscored pilots

75 minfor the whole module

18correct answers needed out of the 30 that count

2licence types that require it: life and A&S-only

Why every candidate writes it

The life licence needs four modules. The A&S-only licence needs two: Accident and Sickness, and Ethics. A&S is in both.

That has a practical consequence. If you are not yet sure which licence your employer or sponsor will request, A&S and Ethics are never wasted effort. Pass them first, and the life licence later only adds Life Insurance and Segregated Funds and Annuities, as long as your course certificate and province’s deadlines allow it.

The route, its limits and the upgrade path are on the A&S-only licence page.

Format

30 scored questions and 5 pilot questions, not identified
Multiple choice, four options, one correct
75 minutes
60% on this module alone; no averaging with other modules

Alberta Insurance Council and FCNB, checked October 21, 2026.

The four kinds of protection

The curriculum groups A&S products by what they protect. Thinking in those four boxes makes case questions faster: identify what the client stands to lose, then pick the product.

Income

Disability income insurance: the definition of disability, the elimination period, the benefit period, partial and residual benefits, and how benefits are taxed depending on who paid the premiums.

Assets

Critical illness insurance and its lump-sum benefit, survival periods, covered conditions and return-of-premium options.

Savings

Long-term care insurance, health and dental plans, and how they fill gaps left by provincial health plans.

Businesses

Overhead expense insurance, key person disability coverage and disability buy-sell arrangements.

Group plans run through the whole module: who the policyholder is, how eligibility works, and what happens to coverage when an employee leaves.

How the curriculum frames each question

As in the Life module, the A&S curriculum is organized around what the agent does, in four competency groups: assess the client’s situation and needs, analyze products, implement the recommendation, and client service. A typical item gives you a short profile (age, occupation, income, existing group coverage) and asks which product or feature closes the gap. The best preparation is to practise reading a profile and naming the risk before you look at the options.

The definition of disability decides the answer

Most disability questions turn on one clause: what “disabled” means in that contract.

Under an own-occupation definition, the insured is disabled if they cannot perform the main duties of their own occupation. Under an any-occupation definition, they are disabled only if they cannot work in any occupation suited to their education, training and experience. Many contracts start with own-occupation for a period, then switch.

Two other clauses change the amount, not the eligibility. Partial or residual disability benefits pay a share of the benefit when the insured returns to work with reduced hours or income. And the tax treatment of benefits depends on who paid the premiums: questions often set up an employer-paid group plan and an individually paid policy side by side, then ask which benefit is taxable.

Learn the clauses in this order: definition of disability, elimination period, benefit period, partial and residual benefits, renewability, then taxation. That is roughly the order in which a case question walks through them.

Case

Your client is a dental hygienist in Surrey. A wrist injury stops her from working with patients, but she could teach in a college program. Her policy uses own-occupation for 24 months, then any-occupation. In month 6, she receives benefits: she cannot do her own job. In month 30, the insurer may stop paying, because she can work in another suitable occupation.

The exam question will rarely say “own-occupation”. It will describe the clause and ask what happens.

Traps in this module

Confusing the elimination period (the wait before benefits start) with the benefit period (how long they are paid)
Treating critical illness as income replacement: it pays a lump sum, whatever the client does with it
Forgetting that taxation of disability benefits depends on who paid the premiums
Mixing up guaranteed renewable and non-cancellable contracts: one fixes the right to renew, the other also fixes the premium
Assuming group coverage follows the employee to a new job

Try a question

ASConnaissance

Under a typical business overhead expense policy, which of the following is an eligible expense?

See the answer and explanation

Correct answer: C. Overhead expense (OE) policies reimburse the fixed, recurring costs of running the business, such as rent, utilities, employees' salaries and professional fees. They exclude the owner's own pay (a personal disability insurance need), the cost of goods sold and non-cash items such as depreciation.

More A&S questions in the free practice test