About the LLQP Exam

General Exam Information

Exam Requirements by Licence Type

There are different exam requirements for the two types of life insurance licence: Life and Accident and Sickness; or Accident and Sickness.

Life and Accident and Sickness. To qualify to apply for a life and accident and sickness licence, you must successfully complete the four required exam modules within 12 months of the date of the first exam module passed.

Modules required:

• Life insurance

• Segregated Funds and Annuities

• Accident and Sickness Insurance

• Ethics and Professional Practice (Common Law)

Accident and Sickness. To qualify to apply for an accident and sickness insurance licence, you must successfully complete the two required exam modules within 12 months of the date of the first exam module passed.

Modules required:

• Accident and Sickness Insurance

• Ethics and Professional Practice (Common Law)

Special Accommodations

Upon request, the Insurance Council will make reasonable accommodations in its exam process for examinees with protected characteristics, documented disabilities or medical conditions that make the typical exam setting a challenge. Potential accommodations include, but are not limited to: alterations in scheduling, exam format or presentation. Special exam sittings may be arranged depending on the nature of the request.

An Accommodation Request Form must be submitted for review with your completed exam registration. 
 

• Requests for accommodation that are based on a protected characteristic must identify:
  • The protected characteristic of the Accommodation Applicant who is requesting accommodation from the Insurance Council; and
  • The limitation which is associated with or caused by the protected characteristic identified by the Accommodation Applicant.
• Requests for accommodation that are based on an Accommodation Applicant’s medical condition must identify what that condition is.
• Requests for accommodation must include sufficient reliable and satisfactory supporting documentation to permit the Insurance Council to conduct a thorough evaluation.

Accommodation does not mean that an Accommodation Applicant will be excused from having to meet Insurance Council requirements, or that the requirements will be lowered. Accommodation means that the Insurance Council will seek to provide reasonable options to remove any barriers to an Accommodation Applicant that is trying to meet an Insurance Council requirement.

Requests will be acknowledged as received within 5 business days. The Insurance Council will review the request, including the supporting documentation, and consider providing a reasonable accommodation. In its review, the Insurance Council may consider factors such as reasonableness, efficiency, and cost. The Insurance Council’s will make a reasonable effort to provide a decision within 30 calendar days of the request for accommodation once all of the requested documentation has been received.

For more information about the Insurance Council's Accommodation Policy see here.

 

Exam Regulations and Rules

Exam Rules

When registering for an exam, all examinees must read, understand and abide by the Examination Rules and acknowledge the consequences if they violate these rules. For more information about the LLQP examination rules and corresponding sanctions for misconduct, see the LLQP Examination Rules, Misconduct and Investigation Policy. The Insurance Council will apply appropriate consequences to Examinees who violate any of the exam rules or engage in any kind of misconduct.

See exam rules for In-person exams in our In-person Exam section.

Misconduct

Examination misconduct is any practice that occurs before, during or after an LLQP exam (whether online or in-person) that may compromise the security or integrity of the exam or the exam results. This includes any violation of Examination Rules and all unethical behaviour. Misconduct will be categorized into low, medium or high-risk misconduct. The severity of the misconduct will determine the consequences, with consequences increasing with each misconduct category, and the severity of Misconduct (and any consequences) is accumulative and accrues across examination modules and timeslots. Instances of exam misconduct may qualify as a breach of the Code of Conduct. For more information about the LLQP examination rules and corresponding sanctions for misconduct, see the LLQP Examination Rules, Misconduct and Investigation Policy. 

The proctor will report all cases of misconduct to the Insurance Council in order to render any decision necessary. For example, if a proctor determines that exam security has not been sufficiently maintained, the examinee’s exam will be marked incomplete and the registration fee and exam sitting will be forfeited.
Examples of misconduct include, but are not limited to:

• Using notes, papers, or other aids not supplied by the Insurance Council.
• Impersonating an examinee or attempting to write the exam for someone else.
• Having third-party assistance.
• Reading questions or answers out loud.
• Giving or receiving help.
• Accessing or attempting to access the internet on the provided testing computers or tablets. 

Low-risk misconduct is categorized as an unintentional violation of Examination Rules that does not carry a significant risk to the integrity or security of the exam. Low-risk misconduct may result in the following consequences:

• A written warning and a note on an Examinee’s record with the Insurance Council, and/or;
• Requiring the examinee to re-write new forms of all exam modules in person, regardless of whether misconduct took place in other modules.
• Any other consequence the Insurance Council deems appropriate.

See Appendix B of the LLQP Examination Rules, Misconduct and Investigation Policy for examples of low-risk misconduct.

Medium-risk misconduct is categorized as any intentional Examination Rule violation that is more serious in nature. Medium-risk misconduct may result in the following consequences:

• Termination of exam;
• A zero on the related exam and a notation of an attempt logged on the Examinee’s file;
• A note on an Examinee’s record with the Insurance Council;
• Requiring the Examinee to re-write all modules of the exam in a new form, in- person and on a date and time specified by the Third-Party Exam Administrator or the Insurance Council;
• Requiring the Examinee to write all future exam modules at a location specified by the Third-Party Exam Administrator or the Insurance Council; and/or
• Any other consequence the Insurance Council deems appropriate.

Multiple instances of medium-risk misconduct, either during the same exam or across multiple exams, may result in a high-risk misconduct allegation with corresponding consequences.

See Appendix B of the LLQP Examination Rules, Misconduct and Investigation Policy for examples of medium-risk misconduct.

High-risk misconduct is categorized as any dishonest and/or premeditated Examination Rule violation that may seriously compromise the security and/or integrity of the exam. Single instances of high-risk misconduct may result in the following consequences:

• Termination of exam;
• A zero on the related exam and a notation of an attempt logged on the Examinee’s file;
• Requiring the Examinee to re-write all registered modules of the exam in a new form, in-person and on a date and time specified by the Third-Party Exam Administrator or the Insurance Council;
• Requiring the Examinee to write all future exam modules at a location specified by the Third-Party Exam Administrator or by the Insurance Council;
• Suspension from the LLQP exam process for a period of two years from the date of the misconduct; or
• Any other consequence the Insurance Council deems appropriate.

For more information about the LLQP examination rules and correspoining sanctions for misconduct, see the LLQP Examination Rules, Misconduct and Investigation Policy. 
 

Confidentiality

By taking a Harmonized LLQP exam, you understand and agree that the exam (which includes all aspects of the exam, including, without limitation, the exam questions, answers, examples, and other information presented or contained in the exam and exam materials) belongs to the Insurance Council and constitutes the Insurance Council’s confidential information.

You agree to maintain the confidentiality of the Insurance Council’s confidential information at all times and understand that any failure to maintain the confidentiality of the Insurance Council’s confidential information may result in disciplinary action against you by the Insurance Council or other adverse consequences, including, without limitation, cancellation of your exam, or refusal of a licence.

Specifically, you understand that you may not, for example, discuss, publish, or share any exam question(s), your answers or thoughts on any question(s), or the exam’s format in person, or any forum or media (e.g., email, Facebook, LinkedIn, Twitter, etc.).

Re-Writing an Exam

If you are unsuccessful in passing an exam, you can attempt to re-write it; however, a waiting period will apply after a number of attempts.

Waiting Period - As of July 1, 2024
 

*Certification for LLQP prerequisite course completion is only valid for one year. Therefore, examinees who are required to wait a year before rewriting the exam will also need to re-take the prerequisite LLQP course. The initial exam attempt following the one-year waiting period will be counted as a first attempt.

Note: LLQP prerequisite course validity will still expire one year after the date of completion, regardless of whether it was taken during an exam re-write waiting period. Exam modules cannot be written once the course validity expires. Re-taking the prequalification course does not change the exam writing waiting periods.