LLQP Accident & Sickness Mock Exams & Practice Exam Questions | LLQP (Canada)

Build LLQP Accident & Sickness confidence with scenario practice: disability income, critical illness, LTC, extended health, travel coverage, and contract mechanics (definitions, periods, coordination).

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Interactive Practice Center

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A small set of questions is available for free preview. Subscribers can unlock full access by signing in with the same account used on mobile.

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Practice mode (10 questions / 45 minutes)

• Every practice session is exactly 10 questions with a 45‑minute timer.
• You get instant answers with rationales and detailed explanations, so you don’t need a separate study book.
• Choose one topic for focused repetition, or practice across the full exam pool for broader coverage.

Question styles (learning-first)

• Single-answer multiple choice (most questions).
• Multi-select (e.g., “Select TWO”) and fill‑in‑the‑blank style items to build active recall.
• Some learning formats may not match the exact provincial exam format; the upcoming Exam Mode will be more format‑aligned.

Recommended study loop

1. Pick a topic in the Syllabus .
2. Run one timed set (10 questions). Use the full time at first; speed comes later.
3. Review every explanation and write 1–2 “rules” in a miss log.
4. Repeat the same topic 48–72 hours later to confirm retention.
5. When weak topics stabilize, switch to mixed practice across the full pool.

Readiness benchmark

If you can pass 10 practice sets with an average score of 65%+, you’re likely ready to book the exam—don’t over‑study. If not, keep drilling your weakest topics.

What’s next

• New to this exam? Start with the Overview .
• Want structure? Follow the Study Plan .
• Need quick refreshers? Use the Cheatsheet before each timed set.
• Confirm rules/admin details in FAQ and Resources .

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