Advocis Life License Qualification Program (LLQP)

Advocis Life License Qualification Program (LLQP)

Advocis is an approved course provider for the Life License Qualification Program (LLQP). Our online self-study program provides you with the foundational knowledge and skills needed to help you succeed on the provincial / territorial licensing exams. While the regulator’s manuals form the core of our program, your learning is enhanced through our live classroom sessions, videos, case studies, and practice exam tools.

Who should enroll?

Anyone wishing to obtain a provincial life insurance license.

Program Structure

The Advocis LLQP consists of four modules as indicated below (one of which is an ethics module). Each module has a corresponding modular certification exam. This exam must be completed with a minimum mark of 60%. Once ALL of the certification exams have been successfully completed, you will be eligible to take the corresponding four provincial exams to obtain your license.

Dual Licensing Support

Today, many financial advisors are dual licensed to better serve their clients. With your enrollment in the Advocis Accident and Sickness Insurance Qualifying Program in Life and Health, you will have access to the Advocis Steps to Success curriculum to help you achieve your licensing goals. Click here for more information.

Program Modules

Module 1: Life Insurance

It has often been said that the only certainties in life are death and taxes. It could be argued that some people will not have to pay income taxes, because they have little or no taxable income or because they manage to structure their financial affairs to avoid them. However, there is no denying that everyone is going to die sometime, and death has implications for their estate and surviving family members.

This module helps candidates develop the competency targeted in the life insurance module of the LLQP Curriculum: Recommend individual and group life insurance products adapted to the client’s needs and situation.

  • Assess the client’s needs and situation.
  • Analyze the available life insurance products that meet the client’s needs.
  • Assess the impact of underwriting criteria as they apply to the client’s situation.
  • Implement a recommendation adapted to the client’s needs and situation.

Self-study – online learning & proctored certification exam

Pre-requisites: None

CE Credits: 30 (upon program completion only)

Additional Material: None

Completion Requirements:

  • Passing mark is 60%
  • Completion of one online proctored modular certification exam (100% of overall module mark)

Course Expiry date: Valid for one (1) year after registration

Course Access: Allow for 1-2 business days to access the module following the registration and payment process

  • Complimentary Advocis membership
  • Practice Exam Tool
  • Keep track of your development with the Class Progress tool
  • Chapter quizzes
  • Comprehensive glossary
  • Case studies that offer practical application
  • PDF version of content
  • Live on-line webinars with a bilingual trainer
  • Access to Subject Matter Experts for module-related questions
  • ReadSpeaker text-to-speech tool
  • Full suite of SeeWhy Learning Study Tools

Self-study: The Advocis Harmonized LLQP is offered as an online self-study program. You are, however, not alone in your studies. We provide you with regular on-line webinars for each of the modules. The webinars are recorded in the event your schedule does not allow you to participate in the live webinar. We also offer a bi-weekly review session where you can get your questions answered by our bilingual instructor.

You also have access to our bilingual instructor and industry Subject Matter Experts by email (llqp-pqap@advocis.ca) or through the Discussion Forum within each of the LLQP modules.

There are a number of candidate supports in place to ensure your success:

  • Orientation Webinar that will help you become familiar with the Advocis Learning Environment (ALE), module expectations, and where to get help with the course
  • LLQP Module Pathway that provides you with a road map of the module with links to the module textbook, practice questions, recorded webinars, SeeWhy Learning Videos, the live webinar schedule plus more
  • Customizable Study Schedule that allows you to shorten or lengthen the suggested study times to help you stay on track while accommodating your busy life

Members & Non-members: $395.00 plus taxes

Note: The price listed above applies to the entire program and not for each module

Module 2: Accident & Sickness

The provincial Acts are similar in content and most include the following when defining A&S insurance:

  • Benefits for loss resulting from accidental bodily injury, including death, suffered by the life insured;
  • Benefits for loss resulting from the sickness or disability of the life insured;
  • Refund of expenses incurred due to sickness or accidental bodily injury suffered by the life insured;
  • Refund of expenses incurred due to medical treatment of the life insured.

More simply put, accident and sickness insurance relieves insured individuals of the burdens of medical expenses or income loss arising from illness, injury or necessary medical treatment not covered by the provincial health insurance plans.

This module helps candidates develop the competency targeted in the accident and sickness insurance module of the LLQP Curriculum: Recommend individual and group accident and sickness insurance products adapted to the client’s needs and situation.

  • Assess the client’s needs and situation.
  • Assess the appropriateness of the client’s existing coverage in regards to his or her situation.
  • Analyze the available products that meet the client’s needs of protecting income, protecting assets, protecting savings, and protecting businesses.
  • Implement a recommendation adapted to the client’s needs and situation.

Self-study – online learning & proctored certification exam

Pre-requisites: None

CE Credits: 30 (upon program completion only)

Additional Material: None

Completion Requirements:

  • Passing mark is 60%
  • Completion of one online proctored modular certification exam (100% of overall module mark)

Course Expiry date: Valid for one (1) year after registration

Course Access: Allow for 1-2 business days to access the module following the registration and payment process

  • Complimentary Advocis membership
  • Practice Exam Tool
  • Keep track of your development with the Class Progress tool
  • Chapter quizzes
  • Comprehensive glossary
  • Case studies that offer practical application
  • PDF version of content
  • Live on-line webinars with a bilingual trainer
  • Access to Subject Matter Experts for module-related questions
  • ReadSpeaker text-to-speech tool
  • Full suite of SeeWhy Learning Study Tools

Self-study: The Advocis Harmonized LLQP is offered as an online self-study program. You are, however, not alone in your studies. We provide you with regular on-line webinars for each of the modules. The webinars are recorded in the event your schedule does not allow you to participate in the live webinar. We also offer a bi-weekly review session where you can get your questions answered by our bilingual instructor.

You also have access to our bilingual instructor and industry Subject Matter Experts by email (llqp-pqap@advocis.ca) or through the Discussion Forum within each of the LLQP modules.

There are a number of candidate supports in place to ensure your success:

  • Orientation Webinar that will help you become familiar with the Advocis Learning Environment (ALE), module expectations, and where to get help with the course
  • LLQP Module Pathway that provides you with a road map of the module with links to the module textbook, practice questions, recorded webinars, SeeWhy Learning Videos, the live webinar schedule plus more
  • Customizable Study Schedule that allows you to shorten or lengthen the suggested study times to help you stay on track while accommodating your busy life

Members & Non-members: $395.00 plus taxes

Note: The price listed above applies to the entire program and not for each module

Module 3: Segregated Funds & Annuities

Segregated funds and annuities are investment and savings products marketed to individual and group prospects and clients. Segregated funds are exclusive to the life insurance industry. Only licensed life agents can represent segregated funds. Some annuities are also exclusive to the life insurance industry. Others are sold both by licensed life agents and by other financial institutions, such as banks.

Segregated funds and annuities provide guarantees to investors. They can help some investors reach their financial objectives, such as retirement. The life agent has a duty to clients to identify which investment is in their best interest, to represent information fairly and to know the limits on the advice he is authorized to give.

This module helps candidates develop the competency targeted in the segregated funds and annuities module of the LLQP Curriculum: Recommend segregated funds, individual annuities and group pension plans adapted to the client’s needs and situation.

  • Assess the client’s needs and situation.
  • Analyze the advantages and limitations of segregated funds in comparison to other types of investments in regard to the client’s needs.
  • Analyze the types of annuities that meet the client’s needs.
  • Implement a recommendation adapted to the client’s needs and situation.

Self-study – online learning & proctored certification exam

Pre-requisites: None

CE Credits: 30 (upon program completion only)

Additional Material: None

Completion Requirements:

  • Passing mark is 60%
  • Completion of one online proctored modular certification exam (100% of overall module mark)

Course Expiry date: Valid for one (1) year after registration

Course Access: Allow for 1-2 business days to access the module following the registration and payment process

  • Complimentary Advocis membership
  • Practice Exam Tool
  • Keep track of your development with the Class Progress tool
  • Chapter quizzes
  • Comprehensive glossary
  • Case studies that offer practical application
  • PDF version of content
  • Live on-line webinars with a bilingual trainer
  • Access to Subject Matter Experts for module-related questions
  • ReadSpeaker text-to-speech tool
  • Full suite of SeeWhy Learning Study Tools

Self-study: The Advocis Harmonized LLQP is offered as an online self-study program. You are, however, not alone in your studies. We provide you with regular on-line webinars for each of the modules. The webinars are recorded in the event your schedule does not allow you to participate in the live webinar. We also offer a bi-weekly review session where you can get your questions answered by our bilingual instructor.

You also have access to our bilingual instructor and industry Subject Matter Experts by email (llqp-pqap@advocis.ca) or through the Discussion Forum within each of the LLQP modules.

There are a number of candidate supports in place to ensure your success:

  • Orientation Webinar that will help you become familiar with the Advocis Learning Environment (ALE), module expectations, and where to get help with the course
  • LLQP Module Pathway that provides you with a road map of the module with links to the module textbook, practice questions, recorded webinars, SeeWhy Learning Videos, the live webinar schedule plus more
  • Customizable Study Schedule that allows you to shorten or lengthen the suggested study times to help you stay on track while accommodating your busy life

Members & Non-members: $395.00 plus taxes

Note: The price listed above applies to the entire program and not for each module

Ethics Modules

Module 4: Ethics & Professional Practice

Insurance agents play an essential role in the insurance market. On a daily basis, agents need to be familiar with the legal aspects of insurance. These include insurance products and their specific features, the general form and content of insurance contracts, specific limitations as to the capacity of certain persons to enter into valid insurance contracts, and other important legal limitations.

This module helps candidates develop the competency targeted in the ethics and professional practice module of the LLQP Curriculum: Develop an ethical professional practice, in compliance with the rules governing the life insurance sector.

  • Explain the legal aspects of insurance and annuity contracts.
  • Explain the rules relating to the contract’s formation, taking effect, reinstatement and termination.
  • Explain the rules relating to claims and the payment of benefits.
  • Explain and apply the obligations and responsibilities of life insurance agents.

Self-study – online learning & proctored certification exam

Pre-requisites: None

CE Credits: 30 (upon program completion only)

Additional Material: None

Completion Requirements:

  • Passing mark is 60%
  • Completion of one online proctored modular certification exam (100% of overall module mark)

Course Expiry date: Valid for one (1) year after registration

Course Access: Allow for 1-2 business days to access the module following the registration and payment process

  • Complimentary Advocis membership
  • Practice Exam Tool
  • Keep track of your development with the Class Progress tool
  • Chapter quizzes
  • Comprehensive glossary
  • Case studies that offer practical application
  • PDF version of content
  • Live on-line webinars with a bilingual trainer
  • Access to Subject Matter Experts for module-related questions
  • ReadSpeaker text-to-speech tool
  • Full suite of SeeWhy Learning Study Tools

Self-study: The Advocis Harmonized LLQP is offered as an online self-study program. You are, however, not alone in your studies. We provide you with regular on-line webinars for each of the modules. The webinars are recorded in the event your schedule does not allow you to participate in the live webinar. We also offer a bi-weekly review session where you can get your questions answered by our bilingual instructor.

You also have access to our bilingual instructor and industry Subject Matter Experts by email (llqp-pqap@advocis.ca) or through the Discussion Forum within each of the LLQP modules.

There are a number of candidate supports in place to ensure your success:

  • Orientation Webinar that will help you become familiar with the Advocis Learning Environment (ALE), module expectations, and where to get help with the course
  • LLQP Module Pathway that provides you with a road map of the module with links to the module textbook, practice questions, recorded webinars, SeeWhy Learning Videos, the live webinar schedule plus more
  • Customizable Study Schedule that allows you to shorten or lengthen the suggested study times to help you stay on track while accommodating your busy life

Members & Non-members: $395.00 plus taxes

Note: The price listed above applies to the entire program and not for each module

Already Licensed?

Ethics & Professional Practice

The Ethics & Professional Practice (Québec) module is now offered on an individual basis for those who already have their license in Canada but would like to practice in Québec too. Similarly, the Ethics & Professional Practice module is also available for those who are licensed in Québec and want to practice in other provinces (120 day window for completion).

Accident & Sickness

If you already have your A&S license, you can now take the Life Insurance and Segregated Funds & Annuities modules together to become fully licensed (One year window for completion).

Please contact Member & Client Services for more details.