If you are interested in becoming a qualified life insurance agent, you must complete the Life Licence Qualification Program (LLQP).
What is the LLQP?
The LLQP is a required education program in order to obtain your licence to solicit and sell life and/or accident & sickness insurance products. Two types of licences are available through the LLQP:
- Accident and Sickness Insurance Representative Licence
- Life Insurance Representative Licence
The LLQP education program consists of four modules:
- Module 1 – Accident and Sickness Insurance
- Module 2 – Ethics and Professional Practice (Common Law)
- Module 3 – Life Insurance
- Module 4 – Segregated Funds and Annuities
There is an examination for each module. The passing mark is 60 per cent.
To obtain your Accident and Sickness Insurance Representative Licence you must successfully complete the Accident and Sickness Insurance and Ethics and Professional Practice (Common Law) modules.
To obtain your Life Insurance Representative Licence you must successfully complete all modules.
You must successfully complete a pre-licensing LLQP training course with a provincially approved accredited provider before you write the provincial LLQP modular exam(s). The course provider will offer details of the LLQP course requirements and associated fees. Upon successful completion of a qualifying LLQP training course, the next step is to work with your course provider and apply for a Canadian Insurance Participant Registry (CIPR) number:
- CIPR is a national registry for participants in the insurance industry. After you register for an insurance course, you must create a CIPR profile and provide your course provider with your CIPR number. Once you have passed all your certification exams under the pre-licensing training course, your course provider will update your information on CIPR in order for you to register for your provincial licensing exams.
- When registering for the CIPR number, candidates are asked to use their legal name, which must match their valid government issued photo ID. If the CIPR ID does not match the valid government issued photo ID, candidates may not be permitted to write the LLQP modular exams.
Once you have a CIPR number, you can then register to write each module either in class through the College of the North Atlantic (CNA), or online through Durham College, as per details below:
Registering for In-class Sessions at the College of the North Atlantic:
- Complete the application form. Contact College of the North Atlantic to obtain a copy of the application form.
- You may write up to two module exams per session.
- The cost per exam module is $35.
- Present your CIPR number and a valid government issued photo ID (examples: passport, licence or a provincial identification card) to the College of the North Atlantic. Identification must be government issued.
- If you have written the LLQP modular exams before outside of NL, please advise the College of the North Atlantic which province, the exams were written and date. Failure to do so may result in marks being forfeited.
- Candidates who fail to meet all conditions will not be permitted to write the exam.
- Once it is determined a candidate is eligible to write the exam, the College of the North Atlantic will send an email confirming registration and provide all details regarding the exam.
- Candidates will receive their examination results via email within 10 business days. The exam schedule can be viewed in the following link here.
CNA Campus Contact Information:
Registering for Online Sessions with Durham College:
- To be eligible to write the LLQP modular exams online through Durham College, you have to email the Office of the Superintendent of Insurance (LLQPadmin@gov.nl.ca) and indicate your Canadian Insurance Participant Registry (CIPR) number along with a copy of a government issued photo ID. You are required to use the name, which matches your government issued photo ID.
- Once the office has reviewed your eligibility to write the exam, we will forward your information to Durham College.
- Durham College will contact you directly to register for the exam modules.
- Each exam module costs $66, paid directly to Durham College when you register.
- Exam results are verified by Durham College before being released. You will receive the exam results via email within 10 business days of writing the exam.
Provincially Approved Accredited Course Providers
The following are a list of provincially approved accredited LLQP course providers:
- Advocis
- Business Career College
- Collège des professions financières
- Canadian Securities Institute (CSI)
- Groupe Formation Expert
- IFSE Institute
- Industrial Alliance Insurance and Financial Services Inc.
- La Capitale
- Learnedly Canada
- Oliver Publishing
- Primerica
- Real Estate and Mortgage Institute of Canada (REMIC)
Frequently Asked Questions
Can I write all four modules of the LLQP exam in one sitting?
In-classroom sessions allow for a candidate to write up to two modules per scheduled exam time. Online sessions allow a candidate to book all four modules on the same day depending on availability.
Can I write the provincial LLQP modular exam(s) without completing a qualifying LLQP training course?
No. You must successfully complete a pre-licensing LLQP training course with a provincially approved accredited course provider before you write the provincial LLQP modular exam(s).
Can I book my provincial LLQP modular exam(s) before I complete the pre-licensing LLQP course?
Only if you are intending to apply for an Accident and Sickness (A&S) licence only. A candidate may apply to write the A&S modular exams once you have completed the prerequisites for the A&S modules. If the candidate then decides to apply for a life licence, the candidate must return to finish their training before applying to write the remaining modular exams.
I passed my LLQP exam under the old program but did not apply for a licence, do I need to be re-certified and take the new provincial LLQP modular exams or can I write a challenge exam?
Successful marks under the old LLQP program are good for two years. After two years, candidates will have to be re-certified with a provincially approved accredited course provider and complete the pre-licensing LLQP course in order to write the new provincial LLQP modular exam(s). There are no challenge exams.
I currently have an Accident & Sickness (A&S) licence and would like to apply for my life licence. What do I need to do?
A&S licensees prior to 2016 must re-certify with a provincially approved accredited course provider and successfully complete the following before registering for the new provincial LLQP modular exams:
- Ethics and PP (Common Law)
- Life Insurance
- Segregated Funds and Annuities
Does the Office of the Superintendent of Insurance recommend or endorse any particular LLQP course provider?
Course providers must obtain accreditation from the Office of the Superintendent of Insurance in Newfoundland and Labrador. All accredited course providers information is located on our website. Those interested in becoming a course provider should contact LLQPadmin@gov.nl.ca.
If I complete one or more modules of a qualifying LLQP training course, but not the entire course, may I write the LLQP exam for each of these modules?
With exception of an A&S licence as outlined in a question above, you must successfully complete the entire qualifying LLQP course before you attempt to write any of the LLQP exam modules.
How do I register to write the provincial LLQP modular exam(s)?
Detailed information on how to register for in classroom or online modular exams is located on our website.
What if I have written the LLQP modular exams in another province, but wish to do a re-write in Newfoundland and Labrador?
If you previously wrote the LLQP modular exams in another province but were unsuccessful, and wish to re-write in Newfoundland and Labrador, you must provide the information where you previously wrote the exams. This information must be provided when registering for your rewrite in Newfoundland and Labrador. Failure to do so may result in forfeiting your re-write marks.
Can I write the LLQP Exams without a CIPR number?
No. Without a CIPR number, you will not be permitted to register for the exams.
What do I have to bring with me to the classroom exam?
In classroom exams you must present your CIPR number, a valid government issued photo ID (examples: passport, licence, provincially issued photo ID) and a photocopy of the valid government issued photo ID. Identification must be government issued. The new LLQP modular exams are open book using a tablet, which has the course material and a calculator. No food or drink is permitted.
I am writing two module exams. Will there be a break in between?
No. There will not be a break between exams. The proctor will announce when time is up for the first module. Then collect the first module and pass out the second. Students only have one (1) hour and 15 minutes per module exam.
What happens if I fail a module?
Under the new LLQP modular exams, the process is as follows:
- Candidates can write a module up to three times before there is a waiting period.
- There will be a waiting period of three months after the third attempt (measured from the date of the third attempt).
- There will be a waiting period of three months after the fourth attempt (measured from the date of the fourth attempt).
- There will be a waiting period of six months after any subsequent attempt (measured from the date of the latest attempt).
How will I know if I have passed all four modules and able to apply for a licence?
Once a candidate has successfully completed all four modules, the Office of the Superintendent of Insurance will send an official completion letter to the mailing address provided on the most recent exam. Marks are sent to writers in advance through email.
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