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LLQP Exam Guide — Canada

Understand the four modular LLQP exams, current question counts, timing, pilot questions, open-book format and the role of the qualifying course.

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LLQPprep perspective

Understand the exam before you prepare for it.

A clear picture of the LLQP structure helps you study with intention. Use this guide to understand the modules, timing and the kind of judgement the licensing exam expects.

The harmonized LLQP is modular. For a full life-insurance licence, candidates generally need to pass Life Insurance, Accident & Sickness, Segregated Funds & Annuities, and the applicable Ethics & Professional Practice module. The qualifying course must be completed through an approved provider before the provincial exam process.

Current exam snapshot

Module	Questions	Time
Life Insurance	35	75 min
Accident & Sickness	35	75 min
Seg Funds & Annuities	35	75 min
Ethics — Common Law	25	75 min

Durham College states that five pilot questions are included in each module and are excluded from the final score. The required passing score is 60% per module.

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Ontario candidates:

FSRA states that Ontario LLQP exams are available only in person and are administered by Durham College. The in-person requirement took effect July 1, 2026.

Explore the Modules

Study each module as its own exam.

35 Questions • 75 Minutes

Life Insurance

Recommendation-focused curriculum built around needs, products, implementation and ongoing service.

Life Insurance guide →

Healthcare professional reviewing medical information for accident and sickness coverage

35 Questions • 75 Minutes

Accident & Sickness

Needs, contracts, riders, underwriting, recommendation and claims/service.

A&S guide →

Financial planning documents and calculator representing investments and annuities

35 Questions • 75 Minutes

Seg Funds & Annuities

Investor profile, investments, guarantees, annuities, group plans, recommendation and service.

Seg Funds guide →

Scales of justice representing insurance law, ethics and professional responsibility

25 Questions • 75 Minutes

Ethics — Common Law

Legal aspects of insurance and annuity contracts plus rules governing life-insurance agents.

Ethics guide →

LLQP Exam Format Ontario 2026 Update LLQP Practice Questions Study Resources

Independent preparation: LLQPprep is not the provincial exam administrator and is not an approved qualifying-course provider. Official requirements should be confirmed with the regulator or exam administrator in your jurisdiction.

LLQP Exam Questions Candidates Ask

How difficult is the LLQP exam?

Difficulty varies by candidate. The challenge is often applying insurance concepts to client facts, choosing between close answers, handling calculations and managing the 75-minute limit. Use a timed module-format practice test to identify whether your main gap is knowledge, application or pacing.

Is the LLQP exam open book?

Yes. At Ontario in-person exams, approved reference material is supplied on an electronic tablet. Personal manuals and notes are not permitted at the desk. Practise locating and applying the right material quickly. Read our open-book exam strategy.

How can I practise for the LLQP exam?

After or alongside your required qualifying course with an approved provider, try the free Life Insurance mock (35 questions, 75 minutes) or the free 20-question LLQP diagnostic. Review explanations, focus on your weak module and repeat with new application and calculation questions.

For official format and examination requirements, check FSRA and the relevant provincial exam administrator.

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