The Life License Qualification Program – Accident & Sickness (LLQP – A&S) Module Descriptions

Module 1: 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.