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LLQP Accident & Sickness Exam Prep

Prepare for the Accident & Sickness LLQP module with client needs, disability and health products, riders, underwriting, recommendations, claims and application practice.

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LLQPprep perspective

Prepare for the client problem behind the product.

Accident & Sickness questions reward candidates who can distinguish income protection, waiting periods, definitions and client resources, then apply those ideas to realistic situations.

This module is tested as its own provincial LLQP exam. Use the official competency structure to guide your study, then practise making decisions from realistic client facts rather than relying on definitions alone.

Exam snapshot

Total questions	35
Time limit	75 minutes
Pilot questions	5 unscored
Passing score	60%
Format	Multiple choice • open book/reference material

Accident & Sickness LLQP preparation illustration

Competency weighting

35%

Assess the client’s needs and situation

30%

Analyze available products that meet the client’s needs

25%

Implement a recommendation adapted to the client

10%

Provide customer service during the coverage period

Weightings reflect the published harmonized LLQP curriculum/evaluation tables. Current exam administration should always be confirmed with your regulator or exam administrator.

What to practise

Income interruption and health-risk needs analysis
Disability, critical illness and health coverage concepts
Contract features, riders, exclusions and limitations
Underwriting and recommendation decisions
Claims, amendments and ongoing client service

LLQPprep approach

Move from direct concept checks into product comparisons, recommendations, calculations where applicable, client scenarios, exceptions and exam traps.

Practice Questions Calculation Practice Case Studies Exam Format

What exam-level practice should cover

Go beyond memorizing Accident & Sickness definitions.

Use the competency weights to decide where to spend time, then practise the decisions that connect the topics.

Income interruption

Disability income needs, elimination periods, benefit periods, group coverage, occupation definitions and existing resources.

Health-related products

Critical illness, long-term care and related contract features where covered by the curriculum.

Recommendation

Coordinate coverage with savings, employer benefits, affordability, tax treatment and the client's exposure to lost income or extra costs.

Claims & service

Understand contract definitions, exclusions, waiting periods, claims requirements and ongoing policy service.

Example of the reasoning level

A self-employed client has three months of savings, no employer disability plan and fixed household expenses. A good question can test the target benefit, waiting period, affordability and the difference between income replacement and lump-sum critical-illness coverage.

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Build Confidence for the Accident & Sickness Module

Use targeted practice, application and review before your Accident & Sickness provincial exam.

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