LLQP frequently asked questions

Life Licence Qualification Program. It is the course and exam program required for a life or accident and sickness insurance licence in every province and territory except Québec, harmonized nationally through CISRO.

Four for the life licence: Life Insurance, Accident and Sickness Insurance, Segregated Funds and Annuities, and Ethics and Professional Practice (common law). Two for the A&S-only licence: A&S and Ethics. See modules and licence types.

Life, A&S and Segregated Funds: 30 scored plus 5 pilot questions. Ethics: 20 scored plus 5 pilot. Every module lasts 75 minutes. Questions are multiple choice with four options and one correct answer.

New items being tested for future exams. They do not count toward your score and are not identified, so you answer every question as if it counted.

60% on each module, and every required module must be passed. That is 18 of 30 scored questions, or 12 of 20 for Ethics.

It depends on your background. Segregated Funds and Annuities is the most calculation-heavy. Ethics leaves the least margin, because each of its 20 scored questions is worth 5%. Read the Ethics module guide early.

In New Brunswick (or in person in Fredericton), Nova Scotia and PEI, through Durham College. Not in Ontario, BC or Manitoba, where sittings are in person. Alberta lists in-person centres in Calgary and Edmonton. See the exam day guide.

Administrators describe approved study material provided on an electronic reader, though their descriptions differ (closed-book in Alberta, open-book with an e-book in New Brunswick). Prepare as if you had none.

Up to 3 rewrites under the CISRO policy, 24 hours apart, while your course certificate is valid. After a fourth failure, you wait one year and retake the course. PEI applies a six-month wait after the third attempt. Full details in LLQP retake rules.

CISRO publishes national results reports, but the most recent one we checked does not label its module columns clearly enough to attribute a rate to a module. We do not publish module pass rates for that reason.

The latest finalized harmonized curriculum on the CISRO site was revised in May 2015. No 2025 or 2026 update is listed there.

Complete an approved LLQP course, pass the provincial exams, meet the province’s post-exam requirements (sponsorship, E&O, supervision depending on the province) and apply for the licence within the deadline. The guide by province compares them.

12 months from course completion, under the CISRO policy. You need it to register for the exams and for any rewrite.

One year from your first pass in Ontario, within one year of passing in BC, and 12 months for a paid application in Alberta. In New Brunswick, exam marks are valid for 12 months.

In Ontario, a licensed insurer must sponsor a new agent for the first two years. Alberta’s application requires sponsor approval. Nova Scotia requires an insurer endorsement. Other provinces publish their own conditions.

FSRA lists $170 for a two-year licence and $19.15 for the Triton criminal record check. Course, Durham College exam fees and E&O premiums come on top. See the Ontario guide.

In BC, for at least 24 months (12 with a CLU, CFP or RFP). In Saskatchewan, agents licensed after January 1, 2020 are supervised until they have 50 placed policies and one year as a licensee.

Expect to show the common-law Ethics module. New Brunswick, for example, requires Québec candidates to prove module 112. Ask the regulator of the province you are moving to.

No. LLQP Exam is independent exam practice. It does not replace the course you must complete with an approved provider, and it is not affiliated with CISRO, any regulator, any exam administrator or any course provider.

42 lessons, 2,760 practice questions with a two-level hint and written explanation, and 20 timed practice exams in the official format, with your score by module and competency. See the study program.

$40, paid once by card, with access that has no time limit. No subscription.

Yes, on request within 30 days of purchase if you have viewed less than 5% of the content. Details in the terms of sale.

No. LLQP exam questions are confidential. Ours are original, written against the harmonized curriculum in the same format.

Yes. The course covers all four modules, so you can work only A&S and Ethics. See the A&S-only route.

Yes, with group pricing and one invoice. See the offer for employers.