LLQP module · Ethics and Professional Practice (Common Law)
LLQP Ethics & Professional Practice Exam Practice Questions
This page covers LLQP Ethics and Professional Practice in the common-law context: contract roles, beneficiary provisions, regulators, consumer protection and intermediary conduct. Québec has a separate Civil Code curriculum version. Independent prep does not replace current provincial requirements or approved certification.
Questions
25 (20 scored)
Time
75 minutes
2025 pass rate
78% of 19,122
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 Ethics common-law practice: jurisdiction, disclosure and conflict decisions
Use a common-law study checklist and original conduct cases to identify missing jurisdiction, contract and disclosure facts before deciding the next step.
3 original scenarios · No account needed · Answers explained
This existing resource describes the LLQP common-law Ethics module, not Québec’s Civil Code module or US insurance rules. CISRO curriculum and conduct principles are educational references, not a substitute for current provincial law, legal advice, approved-provider certification or licensing. No case determines a real client’s rights.
Try original learning scenarios
Answer without an account. Explanations and topic review links are included; progress resumes in this browser tab after refresh.
A learner studying the common-law Ethics module is given a case explicitly requiring Québec Civil Code analysis. What is the defensible first step?
- Reuse a US state licensing answer
- Identify the different jurisdiction/version and consult the applicable Québec materials
- Assume every Canadian contract rule is identical
Preparing answer controls…
Study sequence
- Label the jurisdiction and module version before answering. Common-law and Québec Civil Code Ethics are separate curriculum contexts; do not move an answer between them without checking its legal scope.
- Separate contract roles—owner, insured and beneficiary—from the intermediary’s conduct obligations. Identify relevant policy provisions and facts before claiming a right or entitlement.
- Use a conduct checklist: client needs, competing incentives, disclosure clarity, documented reasoning and appropriate escalation. CISRO’s principles complement applicable jurisdictional requirements; disclosure alone does not automatically resolve every conflict.
- Review missed cases in this Ethics module, then verify the actual provincial regulator’s current materials. Do not infer authorization to sell from a sample or from completing an unrelated Life quiz.
Revision terms
- Common-law versus Civil Code
- Distinct Ethics curriculum versions; this page is not the Québec module.
- Conflict review
- Identify and address incentives that may compromise client interests, using applicable requirements rather than a commission-only decision.
- Scope of a principle
- A conduct expectation supports reasoning but does not establish every detailed provincial rule or contractual outcome.
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.
| Checkpoint | Study question | Evidence to review |
|---|---|---|
| Jurisdiction | Which Ethics version and regulator apply? | Current provincial requirements and correct module |
| Contract role | Who owns, is insured or receives benefits? | Actual contract/designation and supported facts |
| Conflict | Could compensation distort the recommendation? | Needs rationale, incentives and applicable conflict process |
| Disclosure | Can the client understand the relevant limitations? | Accurate documents/explanations and missing information |
Sources and applicability
- CISRO LLQP common-law and Québec curriculum
Reviewed 2026-10-13. May2015 separate Ethics tables; common-law25 items including5 pilot/75minutes and60/40 component weights, not current provincial legislation.
- CISRO Principles of Conduct for Insurance Intermediaries
Reviewed 2026-10-13. April2022 published customer-interest, conflict and disclosure principles; supplementary to applicable jurisdictional obligations.
- Insurance Council of BC LLQP scope
Reviewed 2026-10-13. BC common-law Ethics requirement and distinction between exam completion and an insurance licence.
Print original questions and explanations
3 reviewed original scenarios for Ethics & Professional Practice (common law). This printable set uses the scenarios above; it does not include the separate interactive sample bank or a full exam.
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-e22f31a168cd.
What the exam weights
CISRO's competency: Develop an ethical professional practice, in compliance with the rules governing the life insurance sector. Components and weights from the published curriculum.
1.Integrate into practice the legal aspects of insurance and annuity contracts
60%- Delimit the legal framework governing life insurance
- Characterize the parties involved in the contract
- Contextualize the rules on the contract's formation, taking effect, reinstatement and termination
- Explain the main provisions and clauses of an insurance or annuity contract
- Integrate the rules on beneficiary designation and exemption from seizure of benefits
- Contextualize the rules on claims and the payment of benefits
2.Integrate into practice the rules governing the activities of life insurance agents
40%- Explain the role of the organizations that protect clients
- Integrate the obligations and responsibilities of life insurance agents
Unsure which LLQP module to study first?
Try 12 free questions across all four modules and get a focused next step.
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.
Which body licenses life insurance agents?
- CISRO directly
- The insurance regulator or council of each province and territory
- The Canadian Life and Health Insurance Association
- Assuris
Preparing answer controls…
Sit a timed Ethics & Professional Practice mock exam
Ten fixed papers built to the CISRO blueprint: 25 questions, 75 minutes, 60% / 40% across the competency components, 60% to pass. Pick a paper, sit it under exam conditions, then review every question.
Choose a paper520 more Ethics & Professional Practice 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 Ethics & Professional Practice questionsExam 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 |
Frequently Asked Questions
How many questions are on the LLQP Ethics exam?
25, of which 20 count; the other five are unscored pilot questions. 75 minutes, 60% to pass. Quebec candidates write the civil-code version (3,627 candidates in 2025, 67% pass rate).
What does the Ethics module weight?
Contract law and beneficiary rules are 60% of the exam; the regulators, consumer-protection bodies and the agent's own obligations are 40%.
Is the Ethics module the same in every province?
There are two versions: Ethics and Professional Practice (Common Law) for every province and territory except Quebec, and a Civil Code version for Quebec. The common-law version is the one described here.