LLQP Accident & Sickness Overview — What’s Tested and How to Prepare

Exam format: provincial licensing vs CSI course

If you are preparing for provincial licensing, be careful with the “100 questions / 3 hours” number you may see online: that format is specific to the CSI LLQP Insurance Course assessments, not the provincial LLQP modular licensing exams.

Provincial LLQP licensing exam snapshot (example: British Columbia)

The official BC Harmonized LLQP Examinee Information Guide describes the modular licensing exams used in BC. Other provinces/territories may use different providers and policies, so treat this as an example and confirm your own regulator’s current guidance.

This hub covers only the Accident & Sickness module. Depending on province and licence type, you may also need other LLQP modules (for example: Life Insurance, Segregated Funds & Annuities, and Ethics & Professional Practice — Common Law or Civil Code).

Sources: https://www.insurancecouncilofbc.com/Website/media/Shared/LLQP/Documents/LLQP-Examinee-Information-Guide.pdf and https://www.insurancecouncilofbc.com/Website/media/Shared/LLQP/Documents/LLQP-Examination-Administration-Policy.pdf

CSI LLQP Insurance Course exams (different from provincial licensing exams)

CSI publishes an exam/credits reference for its LLQP Insurance Course. These figures are useful context for course assessment, but they are not the provincial modular licensing-exam format.

Source: https://www.csi.ca/en/learning/courses/llqp/exam-credits

Official module competency weightings (Accident & Sickness — end-of-module test)

These weights are published by CSI for its end‑of‑module test and reflect the standard LLQP competency structure; your provincial exam provider may present the same blueprint in a different way.

What LLQP Accident & Sickness is really testing

Accident & Sickness questions reward structured thinking more than memorization:

• Exposure clarity: is the risk mostly income loss, medical/paramedical expenses, or long-duration care?
• Existing coverage reality: what’s already in place (public coverage, employer group benefits, emergency fund)?
• Contract mechanics: elimination/waiting periods, benefit periods, definitions of disability, and what is (and isn’t) covered.
• Coordination: how benefits integrate when multiple sources exist (group plans, EI/CPP/WCB, private coverage).

Common scenario patterns

• Disability income (DI): own‑occupation vs any‑occupation, elimination period vs benefit period, residual/partial disability.
• Coordination of benefits: employer group benefits, spousal coverage, EI sickness benefits (time-limited), CPP disability (long-term), WCB (work-related).
• Critical illness (CI): trigger is a covered condition + survival period (policy-specific); understand what “not covered” means.
• Long-term care (LTC): triggers tied to ADLs/cognitive impairment (high level); inflation protection matters for long claims.
• Extended health/dental: reimbursement benefits, annual/lifetime maximums, deductibles/coinsurance, paramedical limits.
• Travel medical: emergency focus + pre-existing condition stability/exclusions (policy-specific); assistance services matter.

A practical prep strategy

1. Work the Syllabus as your daily checklist.
2. After each topic, do a short drill and keep a miss log (“What rule would have prevented this miss?”).
3. Review the Cheatsheet before every mixed set to reinforce patterns and pitfalls.

Sources: https://www.csi.ca/en/learning/courses/llqp/curriculum and https://www.csi.ca/en/learning/courses/llqp/exam-credits