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What will you learn about?

The LLQP Insurance Courses cover the curriculum prescribed by the Canadian Council of Insurance Regulators in a comprehensive yet concise manner. You’ll gain comprehensive knowledge of the insurance industry, products, and business.

The LLQP comprises four competencies:

  • Develop an ethical professional practice in compliance with the rules governing the life insurance sector and insurance of persons sector (including group insurance of persons).
  • Recommend individual and group life insurance products adapted to the client’s needs and situation.
  • Recommend individual and group accident and sickness insurance products adapted to the client’s needs and situation.
  • Recommend segregated funds, individual annuities, and group pension plans adapted to the client’s needs and situation.

We provide in-depth coverage of the required knowledge for these competencies in the following modules:

  • Life Insurance
  • Accident and Sickness Insurance
  • Segregated Funds and Annuities
  • Ethics and Professional Practice (Common Law, Civil Code, or both)
  • Life Insurance Taxation Principles (Optional Module)

(This content is not examinable but will help you acquire a thorough understanding of life insurance taxation and related strategies.)

What is the course syllabus?

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Ethics and Professional Practice (Common Law)

This module is a component of the exam preparation tool for future representatives registered in the Life Licence Qualification Program (LLQP). It is presented in conjunction with the Ethics and Professional Practice manual, which forms part of the LLQP Curriculum, and is provided to support your study of that manual.

This module contains four chapters:

  • Legal Framework Governing Insurance
  • Insurance Policy Provisions
  • Life Insurance, Accident and Sickness Insurance and Annuity Claims—Payment of Proceeds
  • Rules and Principles Governing the Activities of Life Insurance Agents and Accident and Sickness Insurance Agents

Ethics and Professional Practice (Quebec Civil Code)

This module is a component of the exam preparation tool for future representatives registered in the Life Licence Qualification Program (LLQP). It is presented in conjunction with the Ethics and Professional Practice (Québec) manual, which forms part of the LLQP Curriculum, and is provided to support your study of that manual.

This module contains four chapters:

  • Sources of Law Governing Insurance of Persons
  • Legal Aspects of Insurance of Persons and Group Insurance of Persons Contracts
  • Individual and Group Annuity Contracts (Including Supplemental Pension Plans)
  • Rules Relating to the Activities of Representatives

Life Insurance

This module is a component of the exam preparation tool for future representatives registered in the Life Licence Qualification Program (LLQP). It is presented in conjunction with the Life Insurance manual, which forms part of the LLQP Curriculum, and is provided to support your study of that manual.

This module contains 12 chapters:

  • Introduction to Life Insurance Module
  • Term Life Insurance
  • Whole Life and Term-100 Insurance
  • Universal Life Insurance
  • Riders and Supplementary Benefits
  • Group Life Insurance
  • Taxation of Life Insurance and Tax Strategies
  • Business Life Insurance
  • Application and Underwriting
  • Assessing the Client’s Situation
  • Recommending an Insurance Policy
  • Ongoing Service

Accident and Sickness Insurance

This module is a component of the exam preparation tool for future representatives registered in the Life Licence Qualification Program (LLQP). It is presented in conjunction with the Accident and Sickness Insurance manual, which forms part of the LLQP Curriculum, and is provided to support your study of that manual.

This module contains eight chapters:

  • Financial Protection Provided by Accident and Sickness Insurance
  • Insurance to Protect Income
  • Insurance to Protect Assets
  • Insurance to Protect Savings
  • Insurance to Protect Businesses
  • Client Profile
  • Insurance Recommendation, Contract, and Service Needs
  • Group Plan Specifics

Segregated Funds and Annuities

This module is a component of the exam preparation tool for future representatives registered in the Life Licence Qualification Program (LLQP). It is presented in conjunction with the Segregated Funds and Annuities manual, which forms part of the LLQP Curriculum, and is provided to support your study of that manual.

This module contains eight chapters:

  • Investment and Savings
  • Segregated Funds
  • Annuities
  • Investor Profile
  • Segregated Fund and Annuity Recommendation
  • Segregated Fund Contracts
  • Annuity Contracts
  • Group Retirement and Investment Plans

Bonus Module - Life Insurance Taxation Principles

This module is a component of the exam preparation tool for future representatives registered in the Life Licence Qualification Program (LLQP). It is presented in conjunction with the Life Insurance Taxation Principles manual, which forms part of the LLQP Curriculum, and is provided to support your study of that manual.

This module contains four chapters:

  • Taxation Framework
  • Investment Income
  • Taxation and Insurance
  • Tax Strategies Using Life Insurance

How will you learn?

The LLQP is a modular course with an end-of-module test for each module and a final exam covering all course material. The course was designed to reflect the content and examination requirements set out within the provincial regulators’ curriculum document.

To continuously improve the licensing examination, the provincial insurance regulators have advised that they will include a small number of pilot questions on each examination. The time allotted for the examination takes these questions into consideration. Note that the calculation of your final mark will not include your score on the pilot questions.

Note: The Harmonized LLQP exam is an open-book exam. During exam sessions, candidates have access to the standardized exam preparation material on an electronic tablet.

Course Completion

Upon successful completion of all modules plus the final exam, you will be able to download a Notice of Course Completion through your student profile. This notice will remain on your profile as a formal indication of course completion.

CSI will enter your results into CIPR (the insurance regulator’s national registry of individuals that confirms final examination results) the next business day after you have successfully completed your course. Once your successful results are entered into CIPR, you may apply with your provincial regulator to write the appropriate examination(s). Students will be provided with details on how to register with CIPR upon enrolment.

 

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