LLQP exam Guides

Plain-English guides to Canada's LLQP exam and the path to a life licence, each with its sources and an as-at date. Then take a free practice exam to see where you stand.

LLQP Practice is an independent study aid. It is not affiliated with or endorsed by CISRO, CCIR, any provincial insurance regulator or any LLQP course provider. All practice questions are original; they are not real or past exam questions. Exam format, fees and policies are set by CISRO and the provincial regulators and can change; confirm the current details with your regulator before you book.

• LLQP Exam Format (2026): Modules, Questions, Time and Pass MarkThe LLQP exam has four modules: 35 questions (25 for Ethics) in 75 minutes each, 5 unscored pilot questions, and 60% to pass every module.
• LLQP Pass Rate: 59% Pass Every Module First Time18,551 candidates wrote the LLQP from June 2025 to May 2026 and 59% passed every module on the first attempt. What the module rates say.
• LLQP Passing Mark and Pilot Questions ExplainedYou need 60% on each LLQP module: 18 of 30 scored questions, or 12 of 20 in Ethics. Five pilot questions per module do not count.
• LLQP Exam Fees by Province (2026): BC, Alberta and OntarioWhat the LLQP exam costs in 2026: C$80 a module in BC, C$100 for all four in Alberta, C$65 a module in person in Ontario, plus the course and licence.
• How to Pass the LLQP Exam: A Study Plan That Matches the CurriculumStudy by the curriculum weights, practise client scenarios and calculations, learn your reference manual, and pass timed module mocks before you book.
• Is the LLQP Exam Open Book? The Reference Manual and Calculator RulesIn BC the LLQP is open book: CISRO's reference manual on a tablet and a calculator, nothing else. How to use the manual without running out of time.
• Failed an LLQP Module? Rewrite Rules and the 12-Month ClockYou can rewrite a failed LLQP module, but your course certificate and passed modules each run on 12-month clocks. BC's waiting periods and what to do next.
• How to Get a Life Insurance Licence in Canada (Outside Quebec)The steps to a life licence: an accredited LLQP course, the four provincial exam modules, a licence application, errors and omissions cover and a sponsor.
• LLQP Practice Exam PDFs and Exam Dumps: What Is RealCISRO publishes the curriculum and a few dozen sample questions, never past exams. Why LLQP dump PDFs are a risk, and the free practice to use instead.
• LLQP Calculation Questions: Needs Analysis, Tax and Annuity MathThe sums the LLQP asks: capital needs, income replacement, policy gains, guarantee top-ups, RRIF minimums and future expenses, worked step by step.
• Is the LLQP Hard? What Makes Candidates FailEach module is passed by about three in four first-time writers, but only 59% pass all four first time. Where the marks go and how long to study.
• LLQP Life Insurance Module: What It Tests and How to PrepareThe Life module: 35 questions in 75 minutes on needs analysis, term and permanent products, universal life, underwriting, policy provisions and taxation.
• LLQP Accident and Sickness Module: What It Tests and How to PrepareThe A&S module: 35 questions on disability income, critical illness, long-term care, health and group plans, government programs, taxation and claims.
• LLQP Segregated Funds and Annuities Module: What It TestsThe Seg Funds module: 35 questions on investor profiles, guarantees and resets, annuities, registered and group plans, taxation and contract service.
• LLQP Ethics and Professional Practice Module: What It TestsThe Ethics module: 25 questions in 75 minutes on contract law, disclosure, beneficiaries, privacy and AML rules, regulators and fair treatment of clients.