Life Licence Qualification Program · Canada
LLQP exam preparation: choose your module
Explore the four Life Licence Qualification Program modules with independent practice questions, worked explanations and video lessons. Start with a free diagnostic or a module guide. Exam administration and licensing requirements vary by province; confirm your route with the regulator. Historical provider pass rates below describe results, not a guarantee or proof of teaching quality.
Choose your province, then your next step
Selected official routes checked October 18, 2026. Your licence class and jurisdiction determine the required modules and process; these study guides do not qualify you to sell insurance.
Ontario
Check approved training, Durham College registration and rewrite rules. FSRA currently specifies in-person exams. Confirm current fees with the administrator.
Open Ontario official requirements ↗British Columbia
Check the Council’s module, registration, rewrite and expiry requirements before booking. BC rules are not a national default.
Open British Columbia official requirements ↗Alberta
Check AIC prerequisites, provider certification and the exam registration process for the licence class you intend to pursue.
Open Alberta official requirements ↗Québec
Use AMF requirements and the Civil Code Ethics context. Examination validity, probationary period and representative certification are distinct steps; the common-law guide is not a substitute.
Open Québec official requirements ↗Another province or territory: use its insurance regulator’s current requirements; this limited route list does not imply a national application process.
- Before training: verify the approved provider, qualification scope and certification terms with your regulator. View the CISRO provider directory.
- Studying or reviewing: choose any of the four modules or start the independent diagnostic. Public samples are available without an account; the study workspace requires registration.
- Ready to book or retake: use the province links above to verify eligibility, delivery, attempts, expiry and the current booking charge.
- After passing: follow the regulator’s licence application and any supervised training process; passing an exam is not authorization to practise.
Build a fee estimate without a national default
- Provider tuition, materials and certification: request a current provider quote.
- Each provincial module registration and any rewrite: check your administrator’s current schedule.
- Licence application, insurance and any required training: verify your regulator and provider.
The total is unknown until you choose a jurisdiction, licence class and provider. No missing fee is treated as zero, and historical pass rates below are not provider rankings.
The Four Modules
Each is its own exam with its own pass mark. Life, A&S and Seg Funds are 35 questions (30 scored); Ethics is 25 (20 scored).
Life Insurance
Recommend individual and group life insurance products adapted to the client's needs and situation
73% passed first time in 2025 · 20,303 candidates
20 free practice questions
Accident & Sickness
Recommend individual and group accident and sickness insurance products adapted to the client's needs and situation
76% passed first time in 2025 · 21,599 candidates
20 free practice questions
Segregated Funds & Annuities
Recommend segregated funds, individual annuities and group pension plans adapted to the client's needs and situation
76% passed first time in 2025 · 20,059 candidates
20 free practice questions
Ethics & Professional Practice
Develop an ethical professional practice, in compliance with the rules governing the life insurance sector
78% passed first time in 2025 · 19,122 candidates
20 free practice questions
LLQP at a Glance
Each figure is from the regulator named beside it, checked 2026-09-22.
| Modules | Life Insurance · Accident & Sickness · Segregated Funds & Annuities · Ethics & Professional Practicesource |
| Questions | 35 per module (30 scored + 5 unscored pilot); Ethics 25 (20 scored + 5 pilot)source |
| Time | 75 minutes per modulesource |
| Pass mark | 60% on each modulesource |
| Format | Multiple choice, four options; the approved study material is supplied on an e-reader during the examsource |
| Before you can sit | A certificate from an accredited course provider, valid for one yearsource |
| Fee (Ontario, Durham College) | Confirm the current per-module and rewrite charges with Durham College. Ontario currently requires in-person exams (FSRA, checked October 18, 2026).source |
| Rewrites (BC) | No waiting period after the first three unsuccessful attempts; one year after the fourthsource |
| Deadline (BC) | All modules and the licence within 12 months of the first module passedsource |
How the LLQP Works
1. Course
Choose an approved provider for your jurisdiction. Confirm tuition, materials, certification and expiry in writing; EstatePass practice is not an approved qualifying course.
2. Certification
Pass the provider's own exams for each module. The certificate is valid for one year.
3. Provincial exam
Use your provincial administrator to confirm modules, delivery, booking and rewrite rules. Ontario currently requires in-person examinations.
4. Licence
After qualifying, check your provincial application, sponsorship, insurance and any supervised training requirements. Passing modules alone does not issue a licence.
Free LLQP video lessons
Watch a real exam question get solved
Two-minute lessons built on one client story each, ending on a practice question worked through option by option. No account needed to watch.
2:24FreeLife Insurance · 1.1A life insurance need is bigger than a paycheque
2:15FreeAccident & Sickness · 1.2What existing benefits really cover
2:42FreeSegregated Funds & Annuities · 2.2A guarantee is not the same as account value
2:13FreeEthics & Professional Practice · 1.5Beneficiary choice changes policy controlThen practice what you watched. A free account adds 16 more video lessons in your dashboard, 10 practice questions a day from 2,300+, and a timed mock exam.
First-Attempt Pass Rates by Course Provider, 2025
This is the calendar 2025 snapshot. The national rate was 73% for Life, 76% for A&S, 76% for Seg Funds and 78% for Ethics (common law). CISRO also publishes rolling reporting periods. Candidate mix and sample size differ, so these results are not a ranking of teaching quality.
Pass rate (number of first-attempt candidates). CISRO omits results for fewer than 30 candidates. Source: CISRO — Exam pass rate at first attempt by course provider, Jan–Dec 2025
| Course provider | Life | A&S | Seg Funds | Ethics (common law) | Ethics (civil code) |
|---|---|---|---|---|---|
| National (all providers) | 73%(20,303) | 76%(21,599) | 76%(20,059) | 78%(19,122) | 67%(3,627) |
| Olivers-WFG | 70%(7,227) | 72%(7,652) | 72%(7,106) | 74%(7,458) | 62%(572) |
| Primerica | 53%(2,982) | 56%(2,995) | 55%(2,925) | 61%(2,316) | 46%(694) |
| Real Estate and Mortgage Institute of Canada (REMIC) | 76%(2,554) | 81%(2,623) | 82%(2,535) | 83%(2,636) | — |
| SeeWhy Learning | 85%(2,528) | 84%(2,936) | 85%(2,510) | 83%(2,635) | 79%(558) |
| Oliver Publishing | 86%(1,496) | 87%(1,778) | 85%(1,479) | 90%(1,701) | 76%(217) |
| Industrielle Alliance | 73%(1,154) | 78%(1,148) | 78%(1,154) | 87%(97) | 67%(1,135) |
| ADVOCIS — Financial Advisors Association of Canada | 83%(936) | 84%(980) | 88%(923) | 87%(977) | 79%(82) |
| Business Career College | 85%(471) | 90%(520) | 87%(480) | 86%(523) | 56%(50) |
| CSI | 99%(494) | 99%(495) | 99%(491) | 99%(449) | 90%(123) |
| Learnedly Canada Inc. | 83%(309) | 88%(311) | 87%(308) | 91%(311) | — |
| Collège des professions financières | 98%(40) | 90%(42) | 97%(39) | — | 76%(45) |
| Beneva | 95%(38) | 97%(39) | 95%(40) | — | 92%(38) |
2024 national rates for comparison: Life 72%, A&S 76%, Seg Funds 69%, Ethics (common law) 78%, Ethics (civil code) 77%. Source
Explore September 2025–August 2026 results and the 2025 archive →
Frequently Asked Questions
What is the LLQP?
The Life Licence Qualification Program is the national qualification for selling life insurance, accident & sickness insurance and segregated funds in Canada. You complete a course with an accredited provider, pass the provider's certification exams, then write the provincial exam in four modules. Each province's regulator issues the licence.
How many people write the LLQP each year?
In 2025, first-attempt candidates numbered 20,303 for Life, 21,599 for Accident & Sickness, 20,059 for Segregated Funds, and 22,749 for Ethics across the common-law and civil-code versions, per CISRO. Numbers grew 3–5% from 2024.
How long is the LLQP exam?
Each module is 75 minutes. Life, A&S and Seg Funds have 35 questions (30 scored); Ethics has 25 (20 scored). Modules can be written on the same day or separately.
What is the LLQP pass mark?
60% on each module. Modules are passed individually; failing one means rewriting that module only.
Is the LLQP exam open book?
The approved study material is supplied on an e-reader during the exam, per the Alberta Insurance Council. That does not make it easy: 75 minutes for 35 scenario questions leaves little time to look things up.
How should I compare course-provider pass rates?
Compare the same module and reporting period, and read the candidate counts alongside the percentage. Results reflect candidate mix as well as preparation and are not proof that one provider teaches better. The table here preserves calendar 2025; the provider-results explorer also includes September 2025–August 2026. These periods overlap and should not be treated as a year-over-year comparison.
Keep your LLQP preparation moving
Explore the free module diagnostic, or create an account to use timed practice and track your progress in the LLQP workspace.
Create a free accountPut your result to work
Keep LLQP preparation, certification and registration separate
EstatePass offers independent supplementary study. Approved course providers and provincial exam administrators handle the required certification and exam process.
A worked study example
Start by confirming the modules and ethics version required in your province. Take a short diagnostic to choose a review topic, then compare that topic with your provider’s curriculum. Keep course completion and exam booking on a separate checklist.
What this does not tell you
A provider’s historical first-attempt results do not predict your result or establish that another provider is better for you. Check the reporting year, module and cohort before comparing.
Official references · independent EstatePass example
Try the free LLQP diagnostic →