LLQP by Province: Canadian Provincial Licensing Hub for 2026
LLQP Licensing Overview
The LLQP exam is national, but your licence is provincial. Every province has its own regulator, application form, fee schedule, sponsorship requirement, and processing time. This hub links to the detail page for each province. Pick yours below and follow that province’s exact process.
LLQP Licensing in Canada
Once you pass the LLQP, your next step is to apply for a life and accident-and-sickness licence in the province where you intend to do business. The exam is the same everywhere, the application is not. Ontario uses FSRA, British Columbia uses the Insurance Council of BC, and so on. Each province has its own fee, its own sponsorship rule, its own criminal-record-check requirement, and its own processing timeline.
What is the same in every province?
- The LLQP curriculum and exam
- The pass-mark of 75% per module
- The requirement for E&O insurance before writing business
- The need for a sponsoring insurer or brokerage at licensing
- Annual continuing education credits to renew the licence
What changes by province?
- Licence application fee ($50 – $200)
- Sponsorship form and signatory rules
- Criminal record check requirements
- Continuing education hours per renewal cycle (typically 15 to 30 hours per year)
- Whether online applications are accepted (most yes; a few still mail-in)
- Processing time (5 to 20 business days)
Pick your province
Each province has its own LLQP Licensing fee, its own sponsorship rule, its own criminal-record-check requirement, and its own processing timeline. Pick your province below for the exact step-by-step.
Ontario: FSRA
Largest market. Online application. 5–10 business day processing. Sponsorship confirmed at application. Annual licence renewal.
British Columbia: Insurance Council of BC
Council Rules Course required after LLQP. Sponsorship signed by a licensed agency. 10–15 business day processing
Alberta: Alberta Insurance Council (AIC)
Provincial sponsorship attestation. Strong oil-and-gas, agricultural, and small-business advisor market.
Saskatchewan: Insurance Councils of Saskatchewan (ICS)
Mid-sized market. Application processed by ICS within 10 business days.
Manitoba: Insurance Council of Manitoba (ICM)
Multilingual market opportunity: Filipino, Punjabi, Ukrainian communities.
New Brunswick: Superintendent of Insurance
Smaller market, with its own superintendent. NB has a bilingual market advantage.
Nova Scotia: Superintendent of Insurance
Smaller market, with its own superintendent.
Newfoundland and Labrador: Superintendent of Insurance
Smaller market, with its own superintendent.
Why Quebec is not on this list
Quebec is the only Canadian province that does not use the LLQP. It uses the PQAP (Programme de qualification en assurance de personnes), administered by the Autorité des marchés financiers (AMF) and the Chambre de la sécurité financière (CSF). If you intend to work in Quebec, you take the PQAP instead. → Click here for information.
Your FAQs, Our Honest Answers
The common questions every LLQP candidate asks first.
What’s Your Next Step?
Pick your province above and follow that page’s checklist. Already know everything about your province but need a sponsor?