“I stopped guessing which chapters to study. Practice showed disability income was hurting my A&S score.”
Amir S.
LLQP candidate · Surrey, BC
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A&S · Chapter A — Lesson 3
Accident & Sickness lesson
Disability income basics
Disability benefits usually start after the elimination period ends — the waiting time between the onset of disability and the first benefit payment.
beneficiario
Persona o entidad designada para recibir la prestación por fallecimiento de una póliza de seguro de vida.
In this context
Una designación clara ayuda a evitar demoras en la sucesión y consecuencias fiscales no deseadas.
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AI-built study plan
Custom quizzes target your weak A&S exam sections — not generic test banks.
Full mock exams
35 questions, 1.25-hour timer, 60% pass threshold — exam-day conditions.
Exam section drills
Practice by official major work activity — the same blueprint used on the Accident & Sickness LLQP exam.
Video learning
Watch curated videos mapped to each exam section, then answer check-in questions to lock it in.
Readiness tracking
See your score climb until you clear coverage, weak areas, and mock safety (~75%) — readiness is evidence, not a guarantee.
What does Accident & Sickness cover?
Accident & Sickness covers disability income, critical illness, health products, underwriting, claims, and suitability.
Accident & Sickness by province
Product-module competencies are national. Your province determines whether you study Common Law or Québec Ethics and which regulator handles licensing.
A&S in Ontario
- Ethics curriculum
- Ontario candidates use the Common Law Ethics curriculum and the rules governing life insurance agents.
- Track: Ethics and professional practice (Common Law) · Product modules: CISRO LLQP curriculum
- Licensing path
- Completion of the required modules through an approved LLQP provider. Apply through Financial Services Regulatory Authority of Ontario (FSRA) after certification.
- Exam format
- 35 questions (5 unscored pilot questions), 75 minutes, 60% to pass, open-book
FAQ
Accident & Sickness LLQP exam — common questions
How many questions are on the Accident & Sickness LLQP exam?
The A&S LLQP exam has 35 multiple-choice questions over 1.25 hours. You need 60% to pass.
What is the pass mark for the A&S LLQP exam?
You must score at least 60% on the Accident & Sickness LLQP examination.
Is the Accident & Sickness LLQP exam open book?
Yes — reference documents such as LLQP are permitted during the exam.
How should I prepare for the Accident & Sickness LLQP exam?
Study the LLQP curriculum, drill practice questions by exam section, and run full-length mock exams under timed conditions. LLQPGuide builds an AI study plan aligned to the official 35-question blueprint.
What does the Accident & Sickness module cover?
Accident & Sickness covers disability income, critical illness, health products, underwriting, claims, and suitability.
Candidate stories
Real stories from LLQP candidates
How people prepare for Accident & Sickness — and modules like it.
Amir S.
LLQP candidate · Surrey, BC
“Critical illness definitions were hard until A&S drills used real claim examples.”
Omar H.
LLQP candidate · Mississauga, ON
“I failed Life Insurance by a few points. After six weeks here, I passed with an 86.”
Dylan K.
LLQP candidate · Hamilton, ON
“English is my second language. Tapping a word in the lesson helped me keep studying instead of searching online.”
Priya M.
LLQP candidate · Edmonton, AB
“The timed mocks felt more like the real exam than any course book I bought. I booked when my readiness score was ready.”
Marcus T.
Career changer · Halifax, NS
“Seg funds were hard until the lessons connected each answer to real client situations.”
Jordan L.
LLQP candidate · Windsor, ON
“Night shifts left me tired. Fifteen-minute flashcards on break helped me remember.”
Chris R.
LLQP candidate · Calgary, AB
“I failed once on ethics questions. Province notes showed the conduct rules I kept missing.”
Sofia V.
LLQP candidate · Montreal, QC
“Riders and policy rules used to mix together. Short drills after each lesson fixed that.”
Nate W.
LLQP candidate · Saskatoon, SK
“Needs analysis was hard for months. Module quizzes finally made the steps clear.”
Elena P.
LLQP candidate · Ottawa, ON
“I stopped guessing which chapters to study. Practice showed disability income was hurting my A&S score.”
Amir S.
LLQP candidate · Surrey, BC
“Critical illness definitions were hard until A&S drills used real claim examples.”
Omar H.
LLQP candidate · Mississauga, ON
“I failed Life Insurance by a few points. After six weeks here, I passed with an 86.”
Dylan K.
LLQP candidate · Hamilton, ON
“English is my second language. Tapping a word in the lesson helped me keep studying instead of searching online.”
Priya M.
LLQP candidate · Edmonton, AB
“The timed mocks felt more like the real exam than any course book I bought. I booked when my readiness score was ready.”
Marcus T.
Career changer · Halifax, NS
“Seg funds were hard until the lessons connected each answer to real client situations.”
Jordan L.
LLQP candidate · Windsor, ON
“Night shifts left me tired. Fifteen-minute flashcards on break helped me remember.”
Chris R.
LLQP candidate · Calgary, AB
“I failed once on ethics questions. Province notes showed the conduct rules I kept missing.”
Sofia V.
LLQP candidate · Montreal, QC
“Riders and policy rules used to mix together. Short drills after each lesson fixed that.”
Nate W.
LLQP candidate · Saskatoon, SK
“Needs analysis was hard for months. Module quizzes finally made the steps clear.”
Elena P.
LLQP candidate · Ottawa, ON
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