100+ Free LLQP Accident & Sickness Practice Questions

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2026 Statistics

Key Facts: LLQP Accident & Sickness Exam

4 modules

The harmonized LLQP has four modules: Life, Accident and Sickness, Segregated Funds and Annuities, and Ethics

CISRO - Life Licence Qualification Program

35 questions

The Accident and Sickness module exam has 35 questions, 30 scored and 5 unscored pilot

Insurance Council of BC - LLQP Examinee Information Guide

75 minutes

Time allowed to complete the A&S module exam

CISRO - Harmonized LLQP exam guidelines

60%

Passing mark required on each LLQP module

Insurance Council of BC - LLQP Examinee Information Guide

4 options

Each LLQP multiple-choice question has four possible answers

CISRO - Harmonized LLQP exam guidelines

Durham College

National administrator of the harmonized LLQP module exams

FSRA Ontario - LLQP

Tax-free benefits

Personally paid disability premiums are non-deductible and the benefits are received tax-free

Financial Consumer Agency of Canada - Disability insurance

100

Free original practice questions here

OpenExamPrep

The LLQP Accident and Sickness Insurance module is one of four harmonized Life Licence Qualification Program exams regulated by CISRO and administered nationally by Durham College. The module exam has 35 multiple-choice questions (30 scored plus 5 unscored pilot), is written in 75 minutes, and requires 60% to pass. It tests individual and group disability income, critical illness, long-term care, extended health and dental, and travel insurance, along with underwriting, claims, taxation and suitability. Premiums on personally paid disability insurance are generally not deductible while the resulting benefits are tax-free, a recurring exam theme. This 100-question bank provides original practice across every A&S topic with full explanations.

Sample LLQP Accident & Sickness Practice Questions

Try these sample questions to test your LLQP Accident & Sickness exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 100+ question experience with AI tutoring.

1Under an 'own occupation' definition of disability, an insured is considered totally disabled when they are unable to perform the duties of:

A.Any occupation for which they are reasonably suited

B.Their own regular occupation, even if they work in another job

C.Any gainful occupation whatsoever

D.Their occupation, but only if they do not earn other income

Explanation: The 'own occupation' definition is the most generous: the insured is disabled if they cannot perform the duties of their own regular occupation, and they may still collect full benefits even while earning income in a different occupation. This contrasts with the stricter 'any occupation' standard.

2An individual disability income policy's premiums are paid personally by the insured with after-tax dollars. How are the disability benefits treated for tax purposes?

A.Fully taxable as employment income

B.Received tax-free

C.Taxable only above a CRA threshold

D.Taxed at a flat 15% withholding rate

Explanation: When the insured personally pays the premiums with after-tax money, disability income benefits are received tax-free. The trade-off is that the premiums are generally not tax-deductible. If an employer paid the premiums, the benefits would instead be taxable.

3The elimination period in a disability income policy refers to:

A.The maximum length of time benefits will be paid

B.The waiting period between the onset of disability and the first benefit payment

C.The period during which the insurer can contest the policy

D.The time the insured has to pay overdue premiums

Explanation: The elimination (or waiting) period is the time between the start of a covered disability and when benefits begin to accrue. A longer elimination period lowers the premium because the insurer pays less often and later. It functions like a time-based deductible.

4A residual disability benefit is designed to pay the insured when they:

A.Are totally and permanently unable to work

B.Return to work but suffer a partial loss of income due to the disability

C.Are hospitalized for any reason

D.Reach the end of their benefit period

Explanation: A residual (or partial) disability benefit pays a proportionate benefit when the insured can work but experiences a measurable income loss because of the disability. For example, a 50% loss of income typically yields 50% of the monthly benefit. It bridges the gap between total disability and full recovery.

5Which statement best describes the survival period in a critical illness insurance policy?

A.The number of years the policy stays in force

B.A waiting period after the policy is issued before any claim is allowed

C.A period the insured must survive after diagnosis before the benefit is payable

D.The period during which premiums are waived after a claim

Explanation: The survival period is the minimum time (commonly 30 days) the insured must remain alive after being diagnosed with a covered condition before the lump-sum critical illness benefit is paid. If the insured dies within the survival period, no critical illness benefit is paid, though a return-of-premium-on-death rider may apply.

6Long-term care (LTC) insurance benefits are typically triggered when the insured:

A.Is diagnosed with any illness

B.Cannot perform a specified number of activities of daily living or has a cognitive impairment

C.Reaches age 65

D.Is hospitalized for more than 24 hours

Explanation: LTC benefits begin when the insured can no longer perform a defined number of activities of daily living (such as bathing, dressing, eating, toileting, transferring and continence) or suffers a cognitive impairment such as dementia. These functional triggers, not a diagnosis or age, determine eligibility.

7A travel medical insurance policy contains a stability clause for pre-existing conditions. The clause primarily requires that a pre-existing condition:

A.Be fully cured before departure

B.Have been stable, with no changes in treatment or medication, for a defined period before the trip

C.Be disclosed only after a claim arises

D.Be covered automatically regardless of recent changes

Explanation: A stability clause requires that a pre-existing medical condition has not changed (no new symptoms, treatment, medication adjustment or hospitalization) for a stated period before departure for it to be covered. If the condition was unstable within that window, a related claim may be denied.

8In coordination of benefits between two group health plans covering the same person, the plan that pays first is generally the one where the person is:

A.The dependent

B.The plan member (employee/insured)

C.The younger spouse

D.Enrolled most recently

Explanation: Under coordination of benefits rules, a person's own plan (where they are the member or employee) is primary and pays first. The plan under which they are a dependent pays second. This prevents the insured from collecting more than 100% of eligible expenses.

9What does a non-evidence maximum (NEM) refer to in a group accident and sickness plan?

A.The largest claim the insurer will ever pay

B.The amount of coverage available without the member submitting medical evidence of insurability

C.The maximum number of dependents who can be covered

D.The deductible applied before benefits begin

Explanation: The non-evidence maximum is the level of coverage a group plan member can obtain automatically without providing medical evidence of insurability. Amounts above the NEM require the member to complete underwriting (such as a health questionnaire or medical exam) before that excess coverage is approved.

10An 'any occupation' definition of total disability is generally considered:

A.More favourable to the insured than own occupation

B.The strictest definition, making benefits harder to qualify for

C.Identical to the residual disability definition

D.Applicable only to group plans

Explanation: The 'any occupation' definition requires the insured to be unable to perform the duties of any occupation for which they are reasonably suited by education, training or experience. Because it is harder to meet this standard, it is the strictest definition and benefits are more difficult to qualify for, which is why such policies cost less.

About the LLQP Accident & Sickness Exam

The LLQP Accident and Sickness Insurance module is one of four exams in Canada's harmonized Life Licence Qualification Program, the national licensing standard regulated by the Canadian Insurance Services Regulatory Organizations (CISRO). To sell accident and sickness products, an agent must complete an approved certification course and pass this module's exam. The module covers individual and group disability income insurance, critical illness insurance, long-term care insurance, extended health and dental coverage, travel insurance, underwriting, claims, taxation of A&S products and suitable recommendations based on a client's needs. The exam contains 35 multiple-choice questions (30 scored, 5 unscored pilot), is written in 75 minutes, and requires 60% to pass. Candidates who pass apply to their provincial regulator for an accident and sickness or full life and A&S agent licence.

Assessment

35 multiple-choice questions (30 scored plus 5 unscored pilot questions), each with four answer options. The Accident and Sickness module is one of the four harmonized LLQP module exams.

Time Limit

75 minutes (1 hour 15 minutes).

Passing Score

60% on the 30 scored questions.

Exam Fee

Roughly CAD 100 per module exam sitting (varies by exam provider and province), in addition to the certification course fee charged by an approved LLQP course provider. (Durham College administers the harmonized LLQP exams nationally on behalf of CISRO members and provincial regulators.)

LLQP Accident & Sickness Exam Content Outline

30%

Disability and income protection

Individual and group disability income insurance: definitions of disability (own occupation, regular occupation, any occupation), elimination and benefit periods, residual and partial disability, presumptive disability, common riders (COLA, future income option, own-occupation), integration with CPP disability, EI sickness and employer plans, and the taxation of premiums and benefits.

25%

Critical illness and long-term care

Critical illness insurance covered conditions, the survival period, return-of-premium and return-of-premium-on-death options, partial-payout conditions, and long-term care insurance: activities of daily living and cognitive-impairment triggers, reimbursement versus income-style benefits, elimination periods and inflation protection.

20%

Health, dental and travel insurance

Extended health and dental coverage, deductibles and co-insurance, coordination with provincial health plans, travel and out-of-province/out-of-country emergency medical insurance, pre-existing condition and stability clauses, trip cancellation, coordination of benefits and emergency assistance services.

15%

Group A&S, underwriting and claims

Group accident and sickness plans, eligibility, non-evidence maximums, continuation and conversion, taxable versus non-taxable group benefits, and individual underwriting (medical, financial and occupational classification), application disclosure, misrepresentation, contestability and the claims and proof-of-loss process.

10%

Taxation, regulation and suitability

Tax treatment of disability, critical illness, LTC, health and travel products, the role of CISRO and provincial regulators, agent duties and ethics, needs analysis, replacement and disclosure rules, and recommending suitable accident and sickness coverage.

How to Pass the LLQP Accident & Sickness Exam

What You Need to Know

Passing score: 60% on the 30 scored questions.
Assessment: 35 multiple-choice questions (30 scored plus 5 unscored pilot questions), each with four answer options. The Accident and Sickness module is one of the four harmonized LLQP module exams.
Time limit: 75 minutes (1 hour 15 minutes).
Exam fee: Roughly CAD 100 per module exam sitting (varies by exam provider and province), in addition to the certification course fee charged by an approved LLQP course provider.

Keys to Passing

Complete 500+ practice questions
Score 80%+ consistently before scheduling
Focus on highest-weighted sections
Use our AI tutor for tough concepts

LLQP Accident & Sickness Study Tips from Top Performers

1Master the disability definitions early: own occupation, regular occupation and any occupation differ in how strictly they require you to be unable to work, and questions often hinge on which definition applies.

2Memorise the taxation rule of thumb: personally paid A&S premiums are usually not deductible while the resulting benefits are tax-free, and employer-paid disability premiums flip the benefit to taxable.

3Learn the long-term care benefit triggers: an inability to perform a set number of activities of daily living or evidence of cognitive impairment, and contrast reimbursement with income-style LTC benefits.

4Know critical illness essentials: the list of common covered conditions, the survival period the insured must outlive after diagnosis, and how return-of-premium riders work.

5Practise travel and extended health scenarios involving pre-existing condition and stability clauses, coordination of benefits and out-of-country emergency coverage, which generate many application questions.

6Work scenario questions out loud by identifying the client need first, then the suitable product, because the A&S exam rewards needs-based reasoning over isolated facts.

Frequently Asked Questions

How many questions are on the LLQP Accident and Sickness module exam?

The Accident and Sickness module has 35 multiple-choice questions. Thirty are scored and five are unscored pilot questions, and each question has four answer options.

What score do I need to pass the LLQP A&S module?

You need 60% on the 30 scored questions. Each module of the harmonized LLQP is passed independently, so you must reach 60% on each module you write.

How long is the Accident and Sickness module exam?

You are given 75 minutes (1 hour and 15 minutes) to complete the module. The exam is computer-based and delivered at approved test centres or by online proctoring during the transition period.

Who administers the harmonized LLQP exams?

The harmonized LLQP is regulated by CISRO, and the exams are administered nationally by Durham College on behalf of CISRO members and provincial regulators. You must first complete an approved certification course.

Are disability insurance benefits taxable in Canada?

It depends on who pays the premiums. When an individual pays the premiums with after-tax dollars, disability benefits are received tax-free; when an employer pays the premiums, the benefits are generally taxable income.

Are these official CISRO or course-provider exam questions?

No. These are original OpenExamPrep practice questions modelled on the published A&S competencies. CISRO, Durham College and approved course providers supply official study material and exams separately.