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LLQP Ethics & Professional Practice (Common Law) Overview — What’s Tested and How to Prepare

Overview of the LLQP Ethics & Professional Practice (Common Law) module: official exam structure references, topic weightings, common question patterns, and a practical prep strategy.

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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.

ItemBC example (Harmonized LLQP)
Exam structureModular (Ethics & Professional Practice — Common Law is one module)
Module duration75 minutes
Questions25 total questions
Scoring nuanceScored out of 20 points (includes 5 pilot/unscored questions)
Passing mark60% or higher

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.

ItemCSI LLQP Insurance Course (course assessment)
Questions per exam100
Exam duration3 hours
Passing grade60%
Exam formatProctored (remote or in-person at a test centre)

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

Official topic weightings (Ethics & Professional Practice — Common Law)

These topic weights are published in the curriculum outline used by course providers. Your provincial exam provider may present the same blueprint in a different way.

TopicWeight
Integrate into practice the legal aspects of insurance and annuity contracts60%
Integrate into practice the rules governing the activities of life and A&S agents40%

What this module is really testing

Ethics & Professional Practice questions reward candidates who can:

  • identify the legal/ethical risk in a scenario (misrepresentation, privacy breach, conflict of interest, unsuitable recommendation, poor documentation)
  • choose the right next step (fact-find, disclose, obtain consent, document, escalate, refuse to proceed)
  • distinguish law vs guidance at a high level (statutes/regulations vs regulatory guidance vs industry guidelines)
  • apply common-law concepts like negligence and negligent misrepresentation to insurance advice (conceptually)

Common scenario patterns

  • Suitability and disclosure: what must be explained and documented (limitations/exclusions; trade-offs).
  • Privacy and consent: collecting medical/financial information; disclosing to third parties.
  • Beneficiary/ownership complexity: minors, trusts, divorce/second marriage, revocable vs irrevocable.
  • Misrepresentation risk: incomplete fact-finding, “salesy” statements, omitting limitations.
  • Prohibited practices: misleading marketing, coercion, twisting, improper inducements (high level).
  • Regulator/consumer protection context: knowing when to refer, escalate, or follow a complaint process (high level).

A practical prep strategy

  1. Use the Syllabus as your daily checklist.
  2. Make a one-page “best answer checklist”: fact-find → disclose → consent → document.
  3. Drill scenario questions and keep a miss log (“Which duty or risk did I miss?”).

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

Study Plan