LLQP Practice Test
Updated October 2026Facts verified Oct 20, 2026 against Canadian Insurance Services Regulatory Organizations (CISRO), which sets the harmonized curriculum and exam. Each provin
The LLQP license is a prerequisite for entering the life insurance industry in all Canadian provinces (except Quebec, which has its own unique requirements but similar content). The HLLQP license (Harmonized LLQP) standardizes the curriculum nationwide. Practice with the free LLQP - Life License Qualification Program practice test on PracticeTestGeeks (7 questions with answer explanations).
Candidates can also sharpen their skills with our ICBC practice test 2026, which includes hundreds of practice questions in the exact format and difficulty of the real exam.
LLQP: upcoming dates and official changes
- Jul 1, 2026: FSRA and Durham College discontinued online LLQP exams in Ontario from July 1, 2026; all candidates now write in person, with accommodations still available, including for candidates facing distance-related limitations. (fsrao.ca)
Facts verified Oct 20, 2026 against Canadian Insurance Services Regulatory Organizations (CISRO), which sets the harmonized curriculum and exam. Each provin. Dates that have passed are removed automatically.
- Each LLQP Ethics and Professional Practice module (Common Law or Civil Code) has 25 multiple-choice questions, of which 20 are scored. (insurancecouncilofbc.com)
- The LLQP Life Insurance, Accident and Sickness Insurance, and Segregated Funds and Annuities modules each have 35 multiple-choice questions, of which 30 are scored and 5 are unscored pilot questions. (insurancecouncilofbc.com)
- Candidates get 75 minutes to complete each module of the harmonized LLQP exam. (insurancecouncilofbc.com)
- Candidates need a mark of at least 60% to pass each module of the LLQP exam. (insurancecouncilofbc.com)
Facts verified Oct 20, 2026 against Canadian Insurance Services Regulatory Organizations (CISRO), which sets the harmonized curriculum and exam. Each provin. Dates that have passed are removed automatically.
LLQP Exam at a Glance
| Item | Detail | Official source |
|---|---|---|
| Number of questions (Ethics and Professional Practice) | 25 questions (20 scored + 5 pilot) | insurancecouncilofbc.com |
| Number of questions (Life Insurance / Accident and Sickness Insurance / Segregated Funds and Annuitie) | 35 questions (30 scored + 5 pilot) | insurancecouncilofbc.com |
| Time limit | 75 minutes per module | insurancecouncilofbc.com |
| Passing score | 60% per module | insurancecouncilofbc.com |
Facts verified Oct 20, 2026 against Canadian Insurance Services Regulatory Organizations (CISRO), which sets the harmonized curriculum and exam. Each provin. Dates that have passed are removed automatically.
Free LLQP - Life License Qualification Program Study Tools
Interactive LLQP - Life License Qualification Program resources on PracticeTestGeeks, free to start:
- LLQP - Life License Qualification Program flashcards — review key terms and concepts card by card
- LLQP - Life License Qualification Program study guide — topic-by-topic overview of what the exam covers
- LLQP - Life License Qualification Program cheat sheet — one-page printable summary for last-minute review
LLQP Practice Test Questions
Prepare for the LLQP - Life License Qualification Program exam with our free practice test modules. Each quiz covers key topics to help you pass on your first try.
LLQP License Flashcards
Quick review for the Life License Qualification Program
📚What is the LLQP license?
The LLQP license (Life License Qualification Program) is the mandatory certification required to sell life, accident, and sickness insurance in Canada.
START LLQP PRACTICE TEST💰What are Segregated Funds?
Segregated funds are investment products sold by life insurance companies that combine the growth potential of mutual funds with the security of insurance guarantees.
GET LLQP EXAM PREP🏥What is Accident and Sickness Insurance?
Accident and Sickness (A&S) insurance provides coverage for loss of income, medical expenses, or death resulting from illness or accidental injury.
REVIEW LLQP QUESTIONS⚖️What is the role of CISRO?
The Canadian Insurance Services Regulatory Organizations (CISRO) coordinates regulatory standards and oversees the LLQP exams across Canadian provinces.
TRY LLQP MOCK EXAM🔄How often must I renew my LLQP license?
The LLQP license must be renewed annually in most provinces, which requires paying a renewal fee and completing Continuing Education (CE) credits.
ACCESS LLQP STUDY GUIDE📊What is the passing score for LLQP?
The passing score for each LLQP provincial exam module is typically 60%. Candidates must pass all four modules to obtain certification.
PRACTICE LLQP TEST NOWLLQP Exam Study Guide
Our LLQP Exam Study Guide breaks down the Life License Qualification Program into manageable sections. Understanding the LLQP license requirements and exam format is crucial for success. Explore the tabs below for detailed information on LLQP insurance course topics.
- Topics: All Module Content
- Questions: Varies by Module
You must achieve at least 60% on each module to qualify for the LLQP license. Scores are not averaged.
- Topics: Pass/Fail Standard
- Questions: Cumulative Score
LLQP Score Calculator
Expect to invest approximately $1,000 to obtain your LLQP license. Many sponsoring companies reimburse these costs for new agents.
LLQP Test Day Checklist
- ✓Valid Government ID
- ✓CIPR ID Number
- ✓Exam Confirmation Email
- ✓Arrive 30 Mins Early
- ✓Review Ethics Notes
- ✓Know Tablet Functions
- ✓Water (Clear Bottle)
- ✓Positive Mindset
Start Your LLQP Journey
Join thousands of successful agents who passed with our LLQP practice test. Get instant access to free LLQP exam questions and study guides.
LLQP Renewal Requirements
CE Credits
30 Hours
Fee
$150-$250
Keep track of your CE credits throughout the year. Many LLQP insurance course providers offer CE modules to help you meet renewal requirements.
- +Validates your knowledge and skills objectively
- +Increases job market competitiveness
- +Provides structured learning goals
- +Networking opportunities with other certified professionals
- −Study materials can be expensive
- −Exam anxiety can affect performance
- −Requires dedicated preparation time
- −Retake fees apply if you don't pass
Pros and Cons at a Glance
| Pros | Cons |
|---|---|
| Validates your knowledge and skills objectively | Study materials can be expensive |
| Increases job market competitiveness | Exam anxiety can affect performance |
| Provides structured learning goals | Requires dedicated preparation time |
| Networking opportunities with other certified professionals | Retake fees apply if you don't pass |
Sample LLQP - Life License Qualification Program Practice Questions
Try these questions from our free LLQP - Life License Qualification Program practice tests. The correct answer and an explanation follow each question.
The LLQP program teaches that group life insurance differs from individual life insurance in that group plans typically:
- A. Require individual medical underwriting for each certificate holder
- B. Are issued on a master contract basis with simplified or no medical underwriting for eligible members
- C. Offer permanent coverage that continues after employment ends without conversion
- D. Are regulated exclusively under federal pension legislation
Answer: B. Are issued on a master contract basis with simplified or no medical underwriting for eligible members
Group life insurance is issued under a master policy held by the employer or association, and members generally qualify based on group membership rather than individual medical evidence.
How does existing group life insurance coverage affect an individual's personal life insurance needs analysis?
- A. It has no impact on the personal needs analysis
- B. It makes personal life insurance coverage unnecessary
- C. It reduces the total insurance gap that personal coverage must fill
- D. It increases the amount of personal coverage needed
Answer: C. It reduces the total insurance gap that personal coverage must fill
All existing coverage sources, including group benefits, are credited against the total identified need, reducing the gap that new personal coverage must address.
A policyowner adds a rider to her life insurance policy that will pay for the premiums if she becomes totally disabled and unable to work. This feature ensures her life insurance coverage continues despite her inability to pay. What is this rider called?
- A. Payor Benefit Rider
- B. Disability Income Rider
- C. Accelerated Death Benefit Rider
- D. Waiver of Premium Rider
Answer: D. Waiver of Premium Rider
The Waiver of Premium Rider is specifically designed to cover the cost of life insurance premiums if the insured becomes totally disabled according to the policy's definition. This keeps the policy in force. A Payor Benefit Rider is similar but applies to juvenile policies, waiving premiums if the person paying for the policy (usually a parent) dies or becomes disabled. A Disability Income Rider provides a separate stream of income upon disability, and an Accelerated Death Benefit allows early access to the death benefit for a terminal illness.
What is the primary difference between Term Life Insurance and Whole Life Insurance?
- A. Term life has a cash value component, while whole life does not.
- B. Term life offers temporary coverage, while whole life offers permanent coverage.
- C. Whole life has flexible premiums, while term life premiums are fixed.
- D. Whole life is always cheaper than term life for the same death benefit.
Answer: B. Term life offers temporary coverage, while whole life offers permanent coverage.
The fundamental distinction is the duration of coverage. Term life insurance provides coverage for a specific period (e.g., 10, 20, or 30 years) and has no cash value. Whole life insurance is a type of permanent insurance that provides coverage for the insured's entire lifetime and includes a cash value savings component.
Take the full LLQP - Life License Qualification Program practice test
LLQP Questions and Answers
Official Resources
- Canadian Insurance Services Regulatory Organizations (CISRO) — the national body of provincial regulators that maintains the harmonized LLQP curriculum and exam rules used outside Quebec.
- Financial Services Regulatory Authority of Ontario (FSRA) — Ontario's regulator, which licenses life and accident & sickness insurance agents after they pass the LLQP exam.
- Insurance Council of British Columbia — the BC licensing body that sets life agent licensing requirements and publishes LLQP exam information for British Columbia candidates.
How this page was made: written with AI tools and published by Nathan Beja, founder of Practice Test Geeks, who is responsible for its content. Exam facts are checked against the official sources listed below. Not reviewed by a subject-matter expert. Editorial policy
Sources & references
Exam facts on this page (fees, format, dates, passing scores) are checked against these official sources; the date is our last check. Editorial policy
- fcnb.ca — Test delivery, retake policy, score validity · verified Oct 2026
- insurancecouncilofbc.com — Fees, retake fee, eligibility, exam format, time limit, passing score, retake policy, score release, score validity, test delivery · verified Oct 2026
- fsrao.ca — Test delivery, eligibility, retake policy, score validity, fees, exam information · verified Oct 2026