Updates as of September 22, 2026
Ontario candidates can no longer write any LLQP module online. FSRA announced on March 23, 2026 that online exams were discontinued from July 1, 2026 to combat misconduct and cheating, placing the programme alongside CPA Ontario and the Law Society of Ontario in requiring supervised in-person sittings. Accommodation remains available for candidates facing distance-related difficulties.
FSRAThe LLQP qualifies an applicant either for a life and accident and sickness agent licence or for an accident and sickness only licence, so the A and S module is the one paper common to both routes. FSRA's licensing FAQ document for insurance agents and adjusters sets out that distinction and confirms the programme is a prerequisite course plus an examination administered through Durham College.
FSRA licensing FAQDurham College raised Ontario's per-module exam fees on August 1, 2025 to 66 dollars for a paper-based in-person exam, 66 dollars for an electronic in-person exam and 84 dollars for a virtual online exam. The rates set a year earlier, on August 1, 2024, were 65, 65 and 82 dollars, and Durham cited rising technology and business costs for that earlier rise.
FSRA announcementThe Alberta Insurance Council states that an applicant already licensed in accident and sickness in Alberta who wants a life licence must be certified in the harmonized LLQP by an approved course provider but need only pass the Life Insurance and the Segregated Funds and Annuities exams. The A and S and Ethics modules already held are not rewritten.
Alberta Insurance CouncilFSRA's current rules allow three supplemental attempts after an initial module failure with a mandatory 24-hour wait between attempts. A candidate who fails a fourth overall attempt waits one year before re-registering and must retake the prerequisite course. Candidates whose first pass date falls before April 1, 2024 may be eligible for the previous rules and are directed to Durham College.
FSRA LLQPLLQP Accident and Sickness module at a glance
| Element | Detail |
|---|---|
| Questions | 35 items including 5 pilot questions, scored out of 30 |
| Time | 75 minutes, the same as every other LLQP module |
| Pass mark | At least 60 per cent, assessed on this module alone |
| Needed for | Both the accident and sickness only licence and the full life and A and S licence |
| Paired with | Ethics and Professional Practice for an A and S only licence |
| Ontario fee | 66 dollars per module in person, effective August 1, 2025 |
Of the four harmonized modules, Accident and Sickness is the one that appears in every licence class the programme leads to. Segregated Funds and Annuities and Life Insurance are only required where the candidate wants the full life licence, which is why an A and S licensee topping up in Alberta writes only those two.
Dates and windows
| What | When | Status |
|---|---|---|
| Booking the A and S module exam | On demand once certified by an approved course provider | Rolling — book on demand |
| Ontario virtual sittings ended | July 1, 2026, announced March 23, 2026 | Confirmed |
| Ontario per-module fee of 66 dollars in person | Since August 1, 2025 | Confirmed |
| Previous Ontario fee of 65 dollars in person | August 1, 2024 to July 31, 2025 | Closed |
| Wait between supplemental attempts | 24 hours minimum | Confirmed |
| Consequence of a fourth failure | One year out, then the prerequisite course again | Confirmed |
| Window to apply for the licence | One year from the first module passed | Confirmed |
| Ontario licence fee period | 150 dollars for a two-year licence, per FSRA's licensing FAQ | Confirmed |
No sitting calendar is published because none exists: each module is booked individually with the provincial administrator. The two hard deadlines are internal to the candidate's own progress, namely the 24-hour spacing between attempts and the one-year expiry that starts with the first pass.
What this means for your preparation
Candidates most often get the scope of this module wrong in one of two directions. Some assume accident and sickness is a minor adjunct to life and can be revised in an evening; it is a full-length paper of the same size and weight as the Life module, with the same 60 per cent bar. Others assume it is optional if they only want to sell life products; in the harmonized programme all four modules are required for a life licence.
Decide early which licence class you are aiming at
FSRA's licensing FAQ states that the LLQP qualifies an applicant for either a life and accident and sickness agent licence or an accident and sickness only licence. That choice determines how many modules you sit. An A and S only licence rests on the A and S and Ethics content, while the full licence requires Life and Segregated Funds and Annuities as well, which the Alberta Insurance Council confirms by allowing existing A and S licensees to top up with only those two exams. Candidates who intend to sell disability, critical illness and health benefits but not life products should confirm the exact module requirement with their own provincial regulator before paying for a four-module course package they will not use.
The paper is the same size as Life, not smaller
The Insurance Council of BC's examinee guide places Accident and Sickness in the same bracket as Life Insurance and Segregated Funds and Annuities: 35 questions, of which five are pilot items, scored out of 30, with 75 minutes allowed. Only Ethics and Professional Practice is shorter, at 25 questions scored out of 20. Applying the 60 per cent pass mark to a 30-point paper means 18 correct scored answers, so the safety margin is 12 questions across the entire syllabus. Because pilot items are not identified, every one of the 35 must be answered as though it counts, and the effective pace is a shade over two minutes per question.
Use the supplied reference material as a lookup only
The Canadian Securities Institute describes the harmonized exam as open-book with standardised preparation material supplied on tablets. The Insurance Council of BC sets out the conditions: a tablet or, at some locations, a computer holding an electronic version of the approved reference material, calculators supplied, and no other materials permitted. Personal notes stay outside the room. For an accident and sickness paper this matters more than it might for a conceptual subject, because the material is definition-dense, covering benefit structures, waiting periods and contractual terms that reward recall rather than reasoning. Plan to consult the reference for at most a handful of items; anything more and the 75 minutes will run out.
In-person-only sittings reshape the Ontario timetable
Since July 1, 2026 Ontario's LLQP modules must be written in person, following FSRA's March 23, 2026 announcement that online exams were being discontinued to combat misconduct and cheating. FSRA said support remains for candidates facing distance-related difficulties. For a candidate sitting all four modules, that is four supervised appointments rather than four logins, and the scheduling friction is the real cost rather than the 66 dollar per module fee. Because the one-year validity clock runs from the first module passed, candidates in smaller centres should secure appointments for the remaining modules before sitting the first, not after receiving the result.
Budget for what follows the exam, not just the exam
FSRA's licensing FAQ sets out the obligations that begin once the licence is issued: errors and omissions coverage with minimum limits of one million dollars for a single occurrence and two million dollars in the aggregate, including extended coverage for fraudulent acts, maintained throughout the licensing period whether or not the agent is actively selling. Life licences carry two years of mandatory sponsorship, after which an agent can move to non-sponsored status by holding current E and O coverage and completing 30 hours of continuing education. The licence fee is quoted at 150 dollars for a two-year period, and renewals are filed online through Licensing Link within the 60 days before expiry.
Common questions
Can I get an accident and sickness only licence without the Life module?
FSRA's licensing FAQ for insurance agents and adjusters states that the LLQP qualifies applicants for a life and accident and sickness insurance agent licence or for an A and S only licence, so the programme supports both outcomes. The Alberta Insurance Council's treatment points the same way: an existing A and S licensee who later wants a life licence must pass only the Life Insurance and Segregated Funds and Annuities exams. Module requirements are set provincially, so confirm the exact combination with your own regulator before enrolling.
How many questions are in the Accident and Sickness exam?
The Insurance Council of BC's examinee information guide states that the Accident and Sickness module contains 35 questions but is scored out of 30, with five pilot questions integrated into the paper and excluded from the final score. The Alberta Insurance Council states the same paper as 30 scored questions plus 5 pilot questions. The LLQP examination administration policy states that modules run 75 minutes. Pilot items are not flagged and must be answered within the same time allowance as the scored ones.
What score do I need to pass?
At least 60 per cent on the module, according to the LLQP examination administration policy, and the Insurance Council of BC's guide repeats the 60 per cent threshold. The mark is assessed per module, not across the programme, so each paper must clear the bar on its own. On a module scored out of 30 that is 18 correct scored answers. Results are posted through the administrator's online portal rather than given at the test centre; the Insurance Council of BC quotes three business days in Metro Vancouver and five elsewhere.
What happens if I fail the A and S module?
FSRA allows three supplemental attempts after an initial failure, with a mandatory 24-hour waiting period between attempts. A candidate who fails the fourth overall attempt must wait one year before re-registering and must retake the prerequisite course, which is materially more expensive than the exam itself. Candidates whose first pass date is before April 1, 2024 may be able to use the previous rules and are told to contact Durham College. Since February 2024 FSRA has also imposed extended waits after unsuccessful third and fourth attempts.
Where and how do I book the exam?
The LLQP is not scheduled in sittings; you book on demand once an approved course provider has certified you. In Ontario, Durham College administers the exam and FSRA links to its booking portal. Since July 1, 2026 Ontario sittings must be in person. Other provinces run their own administration: the Insurance Council of British Columbia, for example, offers in-person testing in Metro Vancouver and at partner test centres elsewhere in the province, with results released on a published business-day schedule.
Does passing the exam make me licensed?
No. The exam is one step. FSRA's guide states that examination results are valid for one year from the first module passed and that the licence application must be filed within that period. The application itself needs an insurance company sponsor to start the process, and FSRA's FAQ sets out errors and omissions cover of at least one million dollars per occurrence and two million in the aggregate, two years of mandatory sponsorship for life licences, and a licence fee quoted at 150 dollars for two years.
