LLQP Full (Quebec only)

• 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%

Systems Requirements for Certification Exams

PC Windows- Certification Browser: Chrome (Windows 7 is not compatible)

Mac OS 10.13x or higher– Certification Browser: Chrome

Oliver’s Digital Lock^TM
You will be required to download the Oliver’s Digital Lock. This is an application to ensure the integrity of the Certification Exams by restricting other computers being able to access your computer and your computer being able to access websites other than hllqp.com while you are doing your Certification Exam. During the entirety of the Certification Exam, your communications will be restricted to our exam servers. You will only have access to the AMF pdf textbook.

You only need to install the Digital Lock once.

For each Certification Exam, you will need to connect and then after the Certification Exam, don’t forget to disconnect. When you are ready to start your Certification Exam, click on the desktop icon that has been created and connect.

Additional Requirements:

• Adobe Acrobat Reader
• Flash enabled (always allow access to the web camera)
• Pop-Ups enabled
• Web camera with microphone (if you do not have a computer with a built-in web camera and microphone)

Refund Policy: This course is non-refundable and not transferable.

A $25 administration fee is applicable for changes to course enrollment after 10 calendar days of purchase.

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.

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.llqp.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 (Quebec)

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

1. Understand the legal framework governing insurance of persons
   • Define the provisions of the Civil Code of Québec applicable to insurance of persons
   • Define the other sources of law applicable to insurance of persons
2. Integrate into practice the legal aspects of insurance and annuity contracts
   • 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
3. Integrate into practice the rules governing the activities of representatives in insurance of persons
   • Explain the role of the organizations that protect consumers
   • Integrate into practice the duties and obligations set out in the Code of ethics of the Chambre de la sécurité financière
   • Integrate into practice the obligations and responsibilities of representatives in insurance of persons