Learner Code of Conduct Acknowledgement and Attestation – The user is required to read the Learner Code of Conduct and answer a few questions. Successfully completion of this course will unlock the LLQP Course in this bundle.

Acknowledgement and Attestation Confirmation

Refund Policy: This course is non refundable once activated. This course is also not transferable.

Any of the following Account Changes will be subject to a $50 Account Change fee:
Login Policy: You are responsible for maintaining the confidentiality of your username and password. Sharing your access with others is not permitted. Failure to comply may result in the immediate termination of your course.​

• Changing from one company to another and adding a course
• Changing from one course to another course
• Changing the language of the course
• Updating a CIPR Number after it has already been registered

Certification Policy: We certify students within one business day, Monday - Friday (9am-5pm EST).

Learner Inclusiveness Policy: Oliver Publishing Inc. strives to provide equal education opportunities for all clients and potential clients (“learners”) regarding enrolment, instruction, assessment, support and reporting. The company does not discriminate in its decisions or processes regarding learners based on any of the following criteria: age, religion, sex (including pregnancy and breastfeeding), sexual orientation, gender identity, gender expression, family status, marital status, disability (including mental, physical, developmental or learning disabilities), race or colour, ancestry, place of origin, ethnic origin, citizenship, record of offences, association or relationship with a person identified by one of the above grounds, or the perception that one of the above grounds applies. Any learner who has concerns regarding any kind of discrimination related to an Oliver’s program is encouraged to bring this to the attention of our Operations Manager Fernanda De Melo ([email protected]). Learners can raise concerns and make reports without fear of reprisal.

Privacy Policy

This policy outlines how Oliver Publishing Inc. and its related entities treat personal information, collected in the ordinary course of business. By personal information, we mean any information about you that may be personally identifiable, including your name, address, email address, phone number, employment affiliation, and credit card information. We endorse and adopt in their entirety the ten principles of the Canadian Standards Association’s Model Code for the Protection of Personal Information.

Collection and Use of Personal Information

We collect personal information when you order from our website, contact us by phone or fax, or come to our offices in person. We also collect information about your credit card when you purchase our products or services. We use the information for the following general purposes: to fulfill your requests for products and services, improve our services, customize the content and advertising of our products and services, contact you, conduct research, compile statistics, and provide anonymous reporting for internal use and external clients. We reserve the right to send you certain communications relating to additions or changes to the products and services that we offer and we may contact you in order to assist in the collection of statistical data or to improve the quality of our products and services, and their delivery to you.

Information Sharing and Disclosure

We do not sell, rent, or share personal information with others, except to trusted partners who work on our behalf to provide and deliver those products and services that you have requested.

Access to and Amending Personal Information

You can access and amend your personal information by contacting us any time during normal business hours, in person, by phone or fax, or through the Internet at the addresses, site, and numbers shown below.

Conflict of Interest Policy

Learners have the right to learn in an environment dedicated solely to education and free from the promotion of any instructor’s proprietary interest in products, services, instruments, devices or materials. Should you feel that this policy has not been followed, please advise our Operations Manager via email at [email protected].

Security and Confidentiality

Access to your personal information is limited to those employees or partners who need to contact you to deliver those goods and services that you request or in order to carry out their employment duties. We also have internal procedural and electronic safeguards in place to protect your personal information.

Questions and Suggestions

• Questions and suggestions regarding the privacy of your personal information may be directed to us at: Oliver Publishing Inc. Customer Services - Privacy Issues, 151 Bloor Street West, Suite 800, Toronto, Ontario, Canada M5S 1S4 (telephone: (416) 922-9604; fax: (416) 922-5126; toll-free: 1-800-238-0377; web: www.oliverslearning.com).
• You may also contact the federal organization responsible for enforcing the protection of personal information in the private sector: The Privacy Commissioner of Canada, 112 Kent Street, Ottawa, Ontario, Canada K1A 1H3. Call toll free at 1-800-282-1376 or email [email protected].

System Requirements

• Windows 10 Version 1803 or higher
• Windows 11
• Mac OS:
  • Big Sur (11.7.10), Safari 16.6.1
  • Monterey (12.7.3), Safari 17.3.0
  • Ventura (13.6.4), Safari 17.3.0
  • Sonoma (14.3.1), Safari 17.3.0
  • Sequoia (15.0.0, 15.1.0, 15.1.1), Safari 18.0.0

• Please make sure that your Firewall is disabled and VPN is turned off prior to accessing the exam. This will help ensure your exam will be able to launch successfully.

Processors

• Intel/AMD/ARM

Additional Requirements

• Google Chrome Browser with pop-ups and JavaScript enabled
• Safe Exam Browser (available for download through the test portal). Students must also connect a secondary camera on a smartphone (activated by a QR code).

The LLQP features the following online products:

• 100% online delivery
• 30-Day study schedule
• Condensed Study Notes
• End-of-Chapter Quizzes
• Practice Certification Exam — with unlimited attempts and instant feedback
• Practice Provincial Exam — unlocks after certification; uses higher-performing test items to more closely simulate the Provincial Exam and predict readiness
• Need-to-Know Videos
• Digital flashcards
• Online certification exams (proctored electronically) – 3 attempts per module
• Detailed exam feedback reports

A minimum grade of 60% is required to pass each certification exam. You have three (3) attempts per module. You may purchase one (1) additional attempt per module for $20. Upon successfully passing all of the required certification exams, your results will be entered in the Canadian Insurance Participant Registry (CIPR), at which time you may apply with your provincial regulator to write the provincial exams.

Regulatory Limit on Exam Attempts:
Failure on a fourth (4th) attempt on any individual module will result in the expiry of this course as per provincial regulatory requirements. Once a course has expired, you will no longer have access to the course content or your course history. In order to complete the LLQP, you will be required to re-enrol in the LLQP certification course and start anew.

Enrollment Period: 1 year or the fourth unsuccessful attempt, whichever comes first.

Certification Exam: 1 per module (Taxation: not examined as a separate module but examinable throughout other modules)

Question format: multiple choice

Questions per exam: 30 questions for all exams (excluding Ethics & Professional Practice); 20 questions for Ethics & Professional Practice

Exam Length: 75 minutes per exam

Passing Grade: 60%

Refund Policy: This course is non refundable once activated. This course is also not transferable.

Any of the following Account Changes will be subject to a $50 Account Change fee:

• Changing from one company to another and adding a course
• Changing from one course to another course
• Changing the language of the course
• Updating a CIPR Number after it has already been registered

Login Policy: You are responsible for maintaining the confidentiality of your username and password. Sharing your access with others is not permitted. Failure to comply may result in the immediate termination of your course.​

Certification Policy: We certify students within one business day, Monday - Friday (9am-5pm EST).

Learner Inclusiveness Policy: Oliver Publishing Inc. strives to provide equal education opportunities for all clients and potential clients (“learners”) regarding enrolment, instruction, assessment, support and reporting. The company does not discriminate in its decisions or processes regarding learners based on any of the following criteria: age, religion, sex (including pregnancy and breastfeeding), sexual orientation, gender identity, gender expression, family status, marital status, disability (including mental, physical, developmental or learning disabilities), race or colour, ancestry, place of origin, ethnic origin, citizenship, record of offences, association or relationship with a person identified by one of the above grounds, or the perception that one of the above grounds applies. Any learner who has concerns regarding any kind of discrimination related to an Oliver’s program is encouraged to bring this to the attention of our Operations Manager Fernanda De Melo ([email protected]). Learners can raise concerns and make reports without fear of reprisal.

Privacy Policy

This policy outlines how Oliver Publishing Inc. and its related entities treat personal information, collected in the ordinary course of business. By personal information, we mean any information about you that may be personally identifiable, including your name, address, email address, phone number, employment affiliation, and credit card information. We endorse and adopt in their entirety the ten principles of the Canadian Standards Association’s Model Code for the Protection of Personal Information.

Collection and Use of Personal Information

We collect personal information when you order from our website, contact us by phone or fax, or come to our offices in person. We also collect information about your credit card when you purchase our products or services. We use the information for the following general purposes: to fulfill your requests for products and services, improve our services, customize the content and advertising of our products and services, contact you, conduct research, compile statistics, and provide anonymous reporting for internal use and external clients. We reserve the right to send you certain communications relating to additions or changes to the products and services that we offer and we may contact you in order to assist in the collection of statistical data or to improve the quality of our products and services, and their delivery to you.

Information Sharing and Disclosure

We do not sell, rent, or share personal information with others, except to trusted partners who work on our behalf to provide and deliver those products and services that you have requested.

Access to and Amending Personal Information

You can access and amend your personal information by contacting us any time during normal business hours, in person, by phone or fax, or through the Internet at the addresses, site, and numbers shown below.

Conflict of Interest Policy

Learners have the right to learn in an environment dedicated solely to education and free from the promotion of any instructor’s proprietary interest in products, services, instruments, devices or materials. Should you feel that this policy has not been followed, please advise our Operations Manager via email at [email protected].

Security and Confidentiality

Access to your personal information is limited to those employees or partners who need to contact you to deliver those goods and services that you request or in order to carry out their employment duties. We also have internal procedural and electronic safeguards in place to protect your personal information.

Questions and Suggestions

• Questions and suggestions regarding the privacy of your personal information may be directed to us at: Oliver Publishing Inc. Customer Services - Privacy Issues, 151 Bloor Street West, Suite 800, Toronto, Ontario, Canada M5S 1S4 (telephone: (416) 922-9604; fax: (416) 922-5126; toll-free: 1-800-238-0377; web: www.oliverslearning.com).
• You may also contact the federal organization responsible for enforcing the protection of personal information in the private sector: The Privacy Commissioner of Canada, 112 Kent Street, Ottawa, Ontario, Canada K1A 1H3. Call toll free at 1-800-282-1376 or email [email protected].

Life Insurance

Competency: Recommend individual and group life insurance products adapted to the client’s needs and situation

1. Assess the client’s needs and situation
- Determine the client’s situation
- Assess the appropriateness of the client’s existing coverage in regards to his or her situation
- Articulate the client’s needs based on the risks that could affect his or her financial situation
2. Analyze the available products that meet the client’s needs
- Analyze the types of contracts that meet the client’s needs
- Analyze the riders that meet the client’s needs
3. Implement a recommendation adapted to the client’s needs and situation
- Consider the impact of underwriting criteria as they apply to the client’s situation
- Propose a recommendation adapted on the client’s needs and situation
- Confirm the requirements that must be met to implement the recommendation
4. Provide customer service during the validity period of the coverage
- Validate the appropriateness of contract amendment, renewal and termination applications in regards to the client’s situation
- Inform the claimant of the claims process

Accident and Sickness

Competency: Recommend individual and group accident and sickness insurance products adapted to the client’s needs and situation

1. Assess the client’s needs and situation
- Determine the client’s situation
- Assess the appropriateness of the client’s existing coverage in regard to his or her situation
- Articulate the client’s needs based on the risks that could affect his or her financial situation
2. Analyze the available products that meet the client’s needs
- Analyze the types of contracts that meet the client’s needs
- Analyze the riders that meet the client’s needs
3. Implement a recommendation adapted to the client’s needs and situation
- Consider the impact of underwriting criteria as they apply to the client’s situation
- Propose a recommendation adapted to the client’s needs and situation
- Confirm the requirements that must be met to implement the recommendation
4. Provide customer service during the validity period of the coverage
- Validate the appropriateness of contract amendment, renewal and termination applications in regards to the client’s situation
- Inform the claimant of the claims process

Segregated Funds

Competency: Recommend segregated funds, individual annuities and group pension plans adapted to the client’s needs and situation

1. Assess the client’s needs and situation
- Determine the client’s situation, investment objectives, and investor profile
- Assess the appropriateness of the client’s existing coverage in regard to his or her situation
- Articulate the client’s needs based on the risks that could affect his or her financial situation
2. Analyze the available products that meet the client’s needs
- Analyze the types of investments that can constitute a segregated fund and that meet the client’s needs
- Analyze the advantages 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
- Analyze the types of group retirement and investment plans that meet the client’s needs
3. Implement a recommendation adapted to the client’s needs and situation
- Propose a recommendation adapted to the client’s needs and situation
- Confirm the requirements that must be met to implement the recommendation
4. Provide customer service during the validity period of the coverage
- Validate the appropriateness of contract amendment, renewal and termination applications in regard to the client’s situation
- Inform the claimant of the claims process

Ethics and Professional Practice (Common Law)

Competency: Develop an ethical professional practice, in compliance with the rules governing the life insurance sector

1. Integrate into practice the legal aspects of insurance and annuity contracts
- Delimit the legal framework governing life insurance
- Characterize the parties involved in the contract
- Contextualize the rules relating to the contract’s formation, taking effect, reinstatement and termination
- Explain the main provisions and clauses of an insurance or annuity contract
- Integrate into practice the rules relating to beneficiary designation and exemption from seizure of benefits
- Contextualize the rules relating to claims and the payment of benefits
2. Integrate into practice the rules governing the activities of life insurance agents
- Explain the role of the organizations that protect clients
- Integrate into practice the obligations and responsibilities of life insurance agents

• Windows 10 Version 1803 or higher
• Windows 11
• Mac OS:
  • Big Sur (11.7.10), Safari 16.6.1
  • Monterey (12.7.3), Safari 17.3.0
  • Ventura (13.6.4), Safari 17.3.0
  • Sonoma (14.3.1), Safari 17.3.0
  • Sequoia (15.0.0, 15.1.0, 15.1.1), Safari 18.0.0
• Please make sure that your Firewall is disabled and VPN is turned off prior to accessing the exam. This will help ensure your exam will be able to launch successfully.

• Intel/AMD/ARM

• Google Chrome Browser with pop-ups and JavaScript enabled
• Safe Exam Browser (available for download through the test portal).