
Becoming an LLQP certified insurance professional is a great career move, and it's not as hard as you might think.
The LLQP certification is a requirement in Canada for anyone who wants to sell life insurance and other related products.
You can complete the LLQP certification program in just a few months, depending on your schedule and the pace of the course.
To get started, you'll need to find a training provider that is approved by your provincial regulatory body.
Course Information
The LLQP course is a requirement for taking the LLQP exam, and it's available in English and French from various authorized providers across Canada. You can complete the course in about 100 hours of study, but times may vary depending on the course provider.
The main LLQP course curriculum is the same, regardless of the provider. You'll study four modules during the course: Accident and Sickness Insurance, Ethics and Professional Practice, Life Insurance, and Segregated Funds and Annuities.
Here are the four modules you'll study in the LLQP course:
- Accident and Sickness Insurance
- Ethics and Professional Practice
- Life Insurance
- Segregated Funds and Annuities
You need to complete all four modules to get a Life Insurance Representative Licence, but you only need modules 1, 2, and 4 to qualify for an A&S Representative Licence.
Eligibility and Requirements
To be eligible for the LLQP license, you must be at least 18 years old, as this age requirement ensures that individuals have the maturity and responsibility required for a career in the financial services sector.
You'll also need to have a minimum educational background, typically a high school diploma or its equivalent, which ensures that candidates have a basic understanding of mathematics and English.
A background check is conducted as part of the application process to ensure that applicants do not have a criminal record that would disqualify them from obtaining the LLQP license.
Age Limit
To be eligible for a career in the financial services sector, you must meet the age requirement. Candidates must be at least 18 years old to apply for the LLQP license.
The age limit is in place to ensure individuals have the maturity and responsibility needed for this type of career.
Criminal Record Check
As part of the application process, a background check is conducted to ensure applicants don't have a criminal record that would disqualify them from obtaining the LLQP license.
A background check is a necessary step to guarantee that all applicants meet the eligibility requirements.
Educational Background
To be eligible for a license, you need to have a minimum educational background, typically a high school diploma or its equivalent. This ensures that candidates have a basic understanding of mathematics and English.
Having a high school diploma or equivalent is a straightforward requirement, and most people meet this standard.
Quebec Residents
Quebec residents, you have a unique requirement to meet. All first-time applicants from Quebec must provide proof that the Ethics and Professional Practice (within the context of Common Law) 112 exam has been completed.
This exam is a crucial step in the process, so make sure to take care of it. The Ethics and Professional Practice (within the context of civil law) 111 exam does not fulfill this requirement, so don't bother with that one.
If you're a Quebec resident who was previously licensed but haven't practiced law in over two years, you'll also need to complete this exam. It's not just for new applicants, so don't think you're off the hook.
Canada

If you're planning to pursue a career in insurance in Canada, you'll need to meet the requirements for the Life License Qualification Program (LLQP). The cost of the LLQP course in Canada is $350.
The LLQP course in Canada covers a range of topics, including Life Insurance, Accident and Sickness Insurance, Segregated Funds and Annuities, Ethics and Professional Practice, and Ethics and Professional Practice (Québec).
To help you prepare for the exam, you can purchase a printed textbook for $150, a printed study guide for $125, or a SeeWhy LLQP Video for $99. These optional products are non-refundable.
Here are the main topics covered in the LLQP course in Canada:
- Life Insurance
- Accident and Sickness Insurance
- Segregated Funds and Annuities
- Ethics and Professional Practice
- Ethics and Professional Practice (Québec)
The study guides are a useful tool to help you understand the CISRO/OCRA manuals and are an excellent pre-exam review. They summarize the course content in easy-to-understand language along with exam tips, memory aids, and analogies to make the learning fun and efficient.
Application and Registration
To get started with the LLQP application process, you'll need to register on the Canadian Insurance Participant Registry (CIPR) as part of your LLQP course enrollment. This is usually done automatically by your course provider.
You'll need to complete an application form and submit the required documents, along with paying the relevant fees. This is a necessary step before you can proceed to the examination phase.
To register for your licensing exams, you'll need to check with your provincial insurance regulator to determine the number of exams you must complete, depending on the license you wish to pursue and where you plan to practice. You'll have one year to pass all your exams.
Once you've passed your final modular exam in your course, your course provider will update your information on CIPR, qualifying you for your licensing exams. This is a crucial step in the certification process.
You'll need to register and complete a provincial licensing exam through your chosen province's insurance regulator, such as the Financial Services Commission Of Ontario (FSCO) in Ontario.
Course Content and Format
The LLQP course is a comprehensive program that prepares you for a career in life insurance. You'll need to complete four modules, which are also the focus of the certification exam. Each module is designed to provide in-depth knowledge and skills in a specific area of life insurance.
The course material is available online as PDFs in the CISRO/OCRA manuals, which cover the core topics of each module. You'll learn about life insurance, accident and sickness insurance, saving and investing, and the legal framework governing life insurance.
You'll have access to over 1,000 flash cards, exam preparation questions, and practice exams to help you prepare for the certification exam. The flash cards are designed to mimic a tutor, asking simple questions and providing simple explanations. The exam preparation questions range in difficulty from "learning-style" to "exam-level" and provide feedback after each question.
Here are the four modules you'll need to complete to get a Life Insurance Representative Licence:
- Accident and Sickness Insurance
- Ethics and Professional Practice
- Life Insurance
- Segregated Funds and Annuities
The average student can complete these four modules in about 100 hours of study, but times may vary depending on the course provider and other factors.
The Course
The Course is a crucial part of the LLQP journey, and I'm excited to share the details with you. The course is made up of four modules that cover the essential topics of life insurance, accident and sickness insurance, and ethics and professional practice.
The average student can complete these four modules in about 100 hours of study. However, this time may vary depending on the course provider and other factors.
You can expect to study the following modules:
- Accident and Sickness Insurance
- Ethics and Professional Practice
- Life Insurance
- Segregated Funds and Annuities
These modules are the foundation of the LLQP course, and completing them is a requirement for taking the certification exam. You'll need to complete all four modules to get a Life Insurance Representative Licence, but you only need modules 1, 2, and 4 to qualify for an A&S Representative Licence.
Here's a breakdown of the course structure:
The course is available in English and French from various authorized providers across Canada, and the main LLQP course curriculum is the same. However, you might see differences in fees and instruction formats depending on the provider.
Format
The format of the LLQP exam is a crucial aspect to understand.
The exam is a multiple-choice exam, with each question having four possible answers, and only one correct answer.
In each exam module, you'll need to score at least 60% to pass.
The exam modules themselves have a set number of questions, but the time allocated for each module is the same: 75 minutes.
Here's a breakdown of the number of questions in each module:
For in-person exams, make sure to complete all your answer selections on the Scantron form before time runs out.
Customer Service
In the customer service field, having an LLQP license can be a game-changer. Many financial institutions value employees with this credential in their customer service teams.
You can provide clients with knowledgeable assistance and advice, making a real difference in their lives.
Frequently Asked Questions
What is the use of Llqp license in Canada?
To sell life insurance products in Alberta, Canada, you need an LLQP license, which allows you to apply for a license to offer life insurance products to clients. Obtaining an LLQP license is a crucial step in starting a career in life insurance sales in Alberta.
How much does LLQP cost in Ontario?
In Ontario, the LLQP exam costs $264 for a single attempt at the four modules, with additional fees for rewrites. This cost may vary depending on your location and the course provider you choose.
What license do I need to sell life insurance in Canada?
To sell life insurance in Canada, you'll need to obtain a Life Licence Qualification Program (LLQP) certification. Start by completing the LLQP course through an approved provider to get started.
What is the life insurance license called?
The life insurance license is commonly known as a Life & Accident & Health (LA&H) Agent license. This license allows individuals to sell life, accident, and health insurance policies to clients.
Sources
- https://fcnb.ca/en/insurance/insurance-licences/applying-for-your-insurance-licence/licensing-requirements-life-licence-qualification-program
- https://www.ifse.ca/courselist/life-license-qualification-program-llqp/
- https://www.mychoice.ca/blog/llqp-guide/
- https://courses.pnclearning.com/bundles/llqp-exam-prep-course
- https://delmainstitute.ca/a-little-about-llqp/
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