LLQP module · Accident and Sickness Insurance

LLQP Accident & Sickness Exam Practice Questions

The A&S module has the most candidates of the four: 21,599 sat it for the first time in 2025, and 76% passed. It covers disability insurance definitions and riders, critical illness, long-term care, group benefits and the government programs they coordinate with.

Try 20 practice questions Print original scenarios CISRO curriculum

Questions

35 (30 scored)

Time

75 minutes

2025 pass rate

76% of 21,599

Historical national first-attempt statistics: CISRO January–December 2025. Not a personal pass probability, search volume or evidence of EstatePass outcomes.

Practise, then review

LLQP Accident & Sickness practice: compare triggers, waiting periods and income gaps

Practise A&S-specific disability and health-coverage reasoning, with a printable comparison/weak-topic checklist and same-module review.

3 original scenarios · No account needed · Answers explained

Canadian LLQP A&S learning only, not US Health licensing, a Life-module quiz or an official claim decision. Approved-provider certification and provincial licence requirements remain separate. All case provisions/amounts below are stipulated; real coverage depends on the actual contract and circumstances.

Try original learning scenarios

Answer without an account. Explanations and topic review links are included; progress resumes in this browser tab after refresh.

A stipulated disability-income worksheet supplies CAD4,200 monthly needs and CAD2,600 confirmed continuing income. Ignoring all other factors, what monthly gap remains?

CAD6,800
CAD1,600
CAD2,600

Preparing answer controls…

Study sequence

Confirm the licence type and province before choosing required modules. BC’s A&S-only route requires A&S and common-law Ethics; the life-and-A&S route requires four modules. Confirm other jurisdictions separately.
Write down the insured risk, benefit trigger, waiting period, benefit period, exclusions and coordination provisions from the supplied case. A product name alone cannot answer every claim question.
Compare personal income needs with existing group/government/private benefits using documented assumptions. Mark missing facts instead of adding unverified benefit amounts or tax treatment.
Use the table to identify a weak concept, answer the original scenarios, then revisit this module’s corresponding competency bank. Passing these examples neither certifies you nor determines entitlement.

Revision terms

Waiting versus benefit period: Time before benefits may begin versus how long covered benefits may continue; these are different contract fields.
Income gap: The difference between the supplied budget need and available income in an exercise, not an insurer’s guaranteed payout.
Covered trigger: The actual condition that must be satisfied; a diagnosis, accident or inability to work may belong to different product tests.

Use your browser’s Print command to print this checklist and terms. This is an HTML revision sheet, not an official course certificate or a downloadable exam paper.

Learning comparison: check the actual policy, not a universal coverage promise
Study field	What to distinguish	Weak-topic revision task
Disability income	Contractual disability definition and benefit period	Compare the stated work/earnings facts with the supplied definition
Critical illness	Listed condition and other stipulated claim requirements	Check whether the stated diagnosis meets the actual contract
Long-term care	Contractual care/functional-assessment trigger	Identify the assessment evidence rather than assume an age alone qualifies
Extended health	Eligible expense, limit and coordination rules	Trace the supplied expense and existing plan provisions

Sources and applicability

CISRO A&S curriculum
Reviewed 2026-10-13. May2015 published A&S needs/products/implementation/service component map; original cases do not reproduce exam items.
Alberta Insurance Council LLQP format
Reviewed 2026-10-13. A&S35 items including5 pilot/75minutes and approved-provider certification; check provincial booking requirements.
BC LLQP licence-specific requirements
Reviewed 2026-10-13. A&S-only versus life-and-A&S module requirements and licensing separation, not a universal province rule.

Print original questions and explanations

3 reviewed original scenarios for Accident & Sickness. This printable set uses the scenarios above; it does not include the separate interactive sample bank or a full exam.

Paper size

Choose “Save as PDF” in your browser, match the selected paper size, and turn off browser headers/footers. In the combined version, answers start on a new page. Version original-v1-5eb0cf1cd7dd.

What the exam weights

CISRO's competency: Recommend individual and group accident and sickness insurance products adapted to the client's needs and situation. Components and weights from the published curriculum.

1.Assess the client's needs and situation
35%
- Determine the client's situation
- Assess the appropriateness of the client's existing coverage
- Articulate the client's needs based on the risks that could affect their financial situation
2.Analyze the available products that meet the client's needs
30%
- Analyze the types of contracts that meet the client's needs (disability, critical illness, long-term care, group and extended health)
- Analyze the riders that meet the client's needs
3.Implement a recommendation adapted to the client's needs and situation
25%
- Consider the impact of underwriting criteria
- Propose a recommendation
- Confirm the requirements that must be met to implement it
4.Provide customer service during the validity period of the coverage
10%
- Validate contract amendment, renewal and termination applications
- Inform the claimant of the claims process

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20 practice questions

Independent original learning questions with explanations. Contract terms, tax and provincial rules can change or depend on facts; consult current official material. These samples are not official items, approved certification or a personal pass prediction.

A hypothetical policy expressly defines total disability as inability to perform the substantial duties of the insured’s regular occupation even when working in another occupation. All other stipulated requirements are met. A surgeon cannot operate but teaches. Under this supplied definition, she is:

Not disabled, because she is working
Totally disabled, because she cannot perform the duties of her own occupation
Partially disabled only
Disabled only until the teaching income exceeds her surgical income

Preparing answer controls…

Sit a timed Accident & Sickness mock exam

Ten fixed papers built to the CISRO blueprint: 35 questions, 75 minutes, 35% / 30% / 25% / 10% across the competency components, 60% to pass. Pick a paper, sit it under exam conditions, then review every question.

Choose a paper

600 more Accident & Sickness questions, by competency component

Every question in the bank, grouped the way CISRO weights the exam, each with its answer and a worked explanation.

Browse all Accident & Sickness questions

Exam rules

From the regulators named beside each item, checked 2026-09-22.

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