LLQP Accident and Sickness Module: What It Tests and How to Prepare
The Accident and Sickness module is 35 questions (30 scored) in 75 minutes, with 60% to pass. 79% of first-time writers passed it in 1 Jun 2025 to 31 May 2026. It is required for both the full life licence and the A&S-only licence.
What it covers
| Component | Weight | Our topics |
|---|---|---|
| Assess the client's needs and situation | 35% | [Needs analysis and government programs](/notes/as-needs-programs) |
| Analyze the available products | 30% | [Disability income](/notes/as-disability-income); [critical illness, LTC, health and travel](/notes/as-ci-ltc-health) |
| Implement a recommendation | 25% | [Group and business plans](/notes/as-group-business) |
| Customer service during the coverage | 10% | [Underwriting, taxation and claims](/notes/as-underwriting-tax-claims) |
Where marks are lost
- Own-occupation versus any-occupation definitions of disability.
- Who pays the premium decides whether disability benefits are taxable.
- Elimination periods versus benefit periods.
- Coordinating EI sickness benefits, CPP disability and workers' compensation with private cover.
Frequently asked questions
What is on the LLQP Accident and Sickness exam?
Disability income, critical illness, long-term care, health and travel cover, group and business plans, government programs, taxation and claims.
Go deeper: study notes
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