Advocis Life License Qualification Program – Accident & Sickness (LLQP – A&S)

Advocis is an approved course provider for the Harmonized Life Licence Qualification Program (HLLQP). 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 enrol?

Anyone wishing to obtain a provincial life and health insurance license.

Program Structure

The Advocis LLQP consists of two 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 two provincial exams to obtain your license.

Dual Licensing Support

Today, many financial advisers 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 Step to Success curriculum to help you achieve your licensing goals. Certificate in Insurance of Persons Study Support for Registration in Mutual Funds For more information, click here.

Program Modules

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.

1Learning Objectives
  • 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.
2Overview

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: LLQA A&S is 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

3Features
  • 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
4Delivery

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
5Price

Members & Non-members: $195.00 plus taxes

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

Printed Textbook: The CISRO 9th Edition available for purchase with registrations on January 3, 2023 (8th edition will be discontinued).

Ethics Modules

Module 2: 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.

1Learning Objectives
  • 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.
2Overview

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: LLQA A&S is 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

3Features
  • 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
4Delivery

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
5CE Credits

Alberta Insurance Council: 15 Life, 15 A&S

Chambre de la Sécurité Financière: 5 Compliance, 5 General Subjects, 5 Insurance of Persons

Candidates seeking CE or PDU credits for professional designations or organizations (including The Institute™) should contact the governing body for confirmation of CE/PDU qualification.

6Price

Members & Non-members: $119.00 plus taxes

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

Printed Textbook: The CISRO 9th Edition available for purchase with registrations on January 3, 2023 (8th edition will be discontinued).

Module 2: Ethics & Professional Practice (Québec)

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 insurance of persons sector.

1Learning Objectives
  • Identify the legal framework governing insurance of persons.
  • Explain the legal aspects of insurance and annuity contracts.
  • Explain the rules relating to the contract’s formation, taking effect, reinstatement and termination.
  • Explain and apply the obligations and responsibilities of representatives set out in the other legal sources applicable to their practice.
2Overview

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: LLQA A&S is 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

3Features
  • 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
4Delivery

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
5CE Credits

Alberta Insurance Council: 30 Life, 30 A&S

Chambre de la Sécurité Financière: 10 Compliance, 10 General Subjects, 10 Insurance of Persons

Candidates seeking CE or PDU credits for professional designations or organizations (including The Institute™) should contact the governing body for confirmation of CE/PDU qualification.

6Price

Members & Non-members: $119.00 plus taxes

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

Printed Textbook: The CISRO 9th Edition available for purchase with registrations on January 3, 2023 (8th edition will be discontinued).

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 (for 120 day window 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.

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