LLQP: Harmonized Life Licence Qualification Program (Live Online)

Overview

The LLQP is a recognized certification program that will qualify candidates to write the provincial insurance regulator's licensing exam. The objective is to provide a solid learning foundation for insurance professionals entering the field. The program is organized in the following modules: Life Insurance, Accident and Sickness Insurance, Segregated Funds and Annuities, and Ethics and Professional Practice, Common Law.

Harmonized LLQP Examination

Candidates will have four attempts after passing the course provider's certification exams to successfully pass all the required provincial exams. The duration of each exam is 75 minutes with 30 questions for each module, except for Ethics and Professional Practice which has 20 questions. No physical notice of completions or certificates will be issued. When students complete their certification exams, the course provider will upload this information to their profile and then they will be eligible to write the Provincial LLQP Licensing exams. Once certified, the candidate will then have one year to write and pass the four course module exams with their province. The candidate must obtain a minimum of 60% on each exam. Once they complete their exams, they can start the licensing process with the corresponding Insurance Council.

Online Proctored Certification Exams 

All certification exams will be proctored online to promote compliance and exam integrity. Advocis has partnered with Canadian-based Integrity Advocate to provide secure online exams. The online proctoring service starts after registration but before content access is made available a candidate attestation and identity validation process must be completed to provide access to the course materials. As the candidate prepares for the online proctored certification exam, the candidate must complete a second identification validation process before the exam is made available. Instructions, resources, exam preparation and exam rules are located within the Advocis Learning Environment, accessible to registered students. 

To learn more about Integrity Advocate and the online proctoring process, click here. 

Certification Exam Attempts 

Effective January 1, 2022, candidates are allowed up to a maximum of four attempts to pass a certification module exam with a minimum grade of 60%. Failure to achieve the minimum grade on a module exam by the fourth attempt will result in a mandatory retaking of the course. The first exam attempt is complimentary, and online proctored certification exam attempts are available 24/7 with no need to book an appointment. If required, it is strongly recommended that candidates take at least 24 hours between exam attempts to revisit resources and to strengthen their weak areas with chapter quizzes, videos and other tools that are available to them. 

Topics Covered/Learning Objectives

Upon completion of this course, students will be able to:

• Assess the client’s needs and situation
• Analyze the available products that meet the client’s needs
• Implement a recommendation adapted to the client’s needs and situation
• Provide customer service during the validity period of coverage
• Integrate into practice the legal aspects of insurance and annuity contracts
• Delimit the legal framework governing life insurance
• Explain the main provisions and clauses of an insurance or annuity contract
• Characterize the parties involved in the contract
• Contextualize the rules relating to the contract’s formation, taking effect, reinstatement and termination
• Explain the main provisions and clauses of an insurance or annuity contract
• Integrate into practice the rules relating to beneficiary designation and exemption from seizure of benefits
• Contextualize the rules relating to claims and the payment of benefits
• Explain the role of the organizations that protect clients
• Integrate into practice the obligations and responsibilities of life insurance agents
• Assess the client’s needs and situation
• Analyze the available products that meet the client’s needs
• Implement a recommendation adapted to the client’s needs and situation
• Assess the client’s needs and situation
• Implement a recommendation adapted to the client’s needs and situation
• Analyze the available products that meet the client’s needs
• Implement a recommendation adapted to the client’s needs and situation
• Provide customer service during the validity period of the coverage
• Assess the client’s needs and situation
• Analyze the available products that meet the client’s needs
• Implement a recommendation adapted to the client’s needs and situation
• Provide customer service during the validity period of the coverage

Course Descriptions