LLQP exam cost in Canada: province-by-province guide
LLQP exam cost in Canada: province-by-province guide ! Hands setting timer beside LLQP study materials Most candidates in Canada spend several hundred dollars to get their LLQP licence, depending on their province, how many modules they write, and whether they pass on the first attempt.
LLQP exam cost in Canada: province-by-province guide
Most candidates in Canada spend several hundred dollars to get their LLQP licence, depending on their province, how many modules they write, and whether they pass on the first attempt. That range covers the exam fees themselves, the provincial licence application, and a basic prep course. It does not include errors and omissions (E&O) insurance, which your employer often covers once you are licensed.
Here are the core cost elements to budget for:
- Exam module fees (per module, or a bundled full-day rate where available)
- Rewrite/retake fees (charged again per module if you do not pass)
- Provincial licence or application fee (paid to your regulator after passing)
- Prep course or study materials (optional but strongly worth considering)
- E&O insurance (usually employer-sponsored; budget separately if self-employed)
The province-by-province fee table below is where you want to go first. Fees vary more than most candidates expect, and a few provinces have rules that can save or cost you money depending on when and how you book.
Key takeaways
LLQP exam costs in Canada range from roughly $300 to $700 for most candidates, with province, exam format, and rewrite risk being the three biggest variables.
| Point | Details |
|---|---|
| Exam fees vary by format | In-person/electronic modules cost $66 each; virtual modules cost $84 each (Durham College, effective August 1, 2025). |
| Manitoba’s flat fee is unique | A single $110 first-attempt fee covers all modules, even if written on separate days. |
| Ontario licence costs $170 | The two-year life and A&S licence application fee is $170, paid to FSRAO after passing. |
| Rewrite fees add up fast | Most provinces charge the full module fee again per rewrite; budgeting for a first-attempt pass saves $84 or more per module. |
| Llqpguide reduces rewrite risk | Mock exams, unlimited quizzes, and module-specific drills help candidates identify weak areas before exam day. |
Table of Contents
- What does the LLQP exam cost in each province?
- How does exam delivery format affect what you pay?
- How to register and pay for your LLQP exam
- What is the realistic total cost of getting LLQP certified?
- Common cost mistakes and how to avoid them
- The part of LLQP budgeting most candidates get backwards
- Llqpguide cuts your rewrite risk before you ever sit the exam
- Sources
- FAQ
What does the LLQP exam cost in each province?
Fees differ by province because each jurisdiction controls its own licensing regime and, in some cases, its own exam administration. Durham College administers exams in Ontario and several other provinces; British Columbia and Alberta run their own processes. The table below reflects the most current publicly available figures from official regulator sources. Always confirm on your regulator’s page before paying, because fees and proctor charges can change.
Province-specific notes worth knowing:
Ontario: Durham College increased fees effective August 1, 2025. In-person and electronic modules are $66 each; virtual online modules are $84 each. HST is not charged. The Ontario licence application fee is $170 for a two-year licence. Candidates must supply a first-pass date, typically within one year of application. For a full walkthrough of the Ontario process, see Llqpguide’s Ontario LLQP guide.
British Columbia: The Insurance Council of BC’s fee table (effective June 1, 2026) includes a Metro Vancouver full-day bundled package and per-module fees. Candidates writing exams outside Metro Vancouver may pay an additional proctor fee on top of the standard module rate. Registration fees are non-refundable and expire one year after registration. BC candidates can find province-specific prep guidance at Llqpguide’s BC LLQP page.
Alberta: The Alberta Insurance Council publishes a detailed fee table covering HLLQP full-program fees, individual module fees, and rewrite fees. Check the AIC page directly for current amounts, as the schedule lists multiple licence categories.
Manitoba: Manitoba’s structure is notably different. The Insurance Council of Manitoba charges a flat $110 for a first attempt, and that single fee covers all modules even if you write them on separate days. Rewrites cost extra.
Newfoundland & Labrador: Candidates here have two routes. Durham College charges $84 per module for Durham-administered sittings. Some local colleges set their own in-person fees, which may differ. Confirm with the NL government page before booking.
Quebec: Quebec uses a civil-code ethics module rather than the standard common-law ethics content. Fees and administration are set by the Autorité des marchés financiers (AMF). Check the AMF directly; the standard Durham College or ICBC fee tables do not apply.
How does exam delivery format affect what you pay?
The format you choose can shift your exam cost by $18 per module, and in some regions, a proctor fee adds another charge on top.
Durham College, which administers LLQP exams in Ontario and several other provinces, currently offers three delivery formats:
- Paper-based in-person: $66 per module (HST not charged)
- Electronic in-person: $66 per module (HST not charged)
- Virtual online (proctored): $84 per module (HST not charged)
Those figures reflect the August 1, 2025 fee update. The $18 gap between virtual and in-person formats is real, but it is not the whole story. If you live outside a major centre, an in-person sitting may require travel costs or a proctor fee that more than offsets the lower module rate. In BC, for example, candidates writing outside Metro Vancouver may pay a proctor surcharge on top of the standard fee.
Virtual proctored exams eliminate travel but require a quiet room, a stable internet connection, and a webcam. Candidates who have had technical issues during online proctored sittings report that a failed session can complicate rescheduling, so test your setup thoroughly before exam day.
Pro Tip: If you plan to write two or more modules in a single day, check whether your province offers a bundled full-day rate. In BC, the Metro Vancouver full-day package can be cheaper than paying per module individually. Run the numbers for your specific province before booking.
How to register and pay for your LLQP exam
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Confirm your prerequisites with your provincial regulator. Most provinces require you to complete an approved LLQP course before you can register for the exam. Do not book before you have your course completion certificate in hand.
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Choose your exam format and date. If Durham College administers your province’s exams, register through the Durham College LLQP portal. If your province uses its own system (BC, Alberta, Quebec), go directly to the provincial regulator’s registration page.
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Pay the module or bundled fee. Fees are typically paid online at the time of registration. Keep the payment confirmation email. You will need it if any dispute arises about your registration status.
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Receive your candidate number or CIPR identifier. Some provinces assign a candidate number through the Canadian Insurance Participant Registry (CIPR). Confirm what identifier you need and write it down before exam day.
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Prepare your exam-day documents. Bring two pieces of government-issued photo ID. Bring your confirmation email. If your province uses a candidate number, have it printed or saved on your phone. Arriving without the correct ID is one of the most common reasons candidates are turned away.
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Know the reschedule and refund rules before you book. Most exam fees are non-refundable once paid. BC explicitly states that registration fees are non-refundable and expire one year after registration. Durham College has its own reschedule policy; check the LLQP reschedule policy on the Durham College portal before you commit to a date. If you need to reschedule, do it as early as possible. Credits or holds on fees, where they exist, typically carry an expiry date.
What is the realistic total cost of getting LLQP certified?
Three scenarios cover most candidates. All figures are approximate and use publicly available fee data; confirm exact amounts with your regulator before paying.
Scenario A: Self-study, single province, first-attempt pass (low end)
- Prep materials (self-study): $0–$50
- Exam fees (3 modules, in-person, Ontario): approximately $198 ($66 × 3)
- Ontario licence application: $170
- Estimated total: $368–$418
Scenario B: Paid prep course, virtual exams, first-attempt pass (mid-range)
- Prep course subscription (e.g., Llqpguide): approximately $100–$150
- Exam fees (4 modules, virtual, Ontario): approximately $336 ($84 × 4)
- Ontario licence application: $170
- Estimated total: $606–$656
Scenario C: One module rewrite, virtual exams, paid course (higher end)
- Prep course: approximately $100–$150
- Exam fees (4 modules, virtual): approximately $336
- One module rewrite (virtual): $84
- Ontario licence application: $170
- Estimated total: $690–$740
E&O insurance is not included above because most new agents obtain it through their managing general agent or employer. If you are self-employed from day one, budget an additional $400–$800 per year for a starter E&O policy.
Cost-saving moves that actually work:
- Book bundled full-day exams where your province offers them; the per-module math often favours the bundle if you are writing three or four modules.
- Choose in-person electronic format over virtual if your exam centre is nearby and no proctor surcharge applies, saving $18 per module.
- If you are employed and your employer requires the LLQP, ask whether they reimburse exam and course fees before paying out of pocket.
- National first-time pass rates for LLQP modules in 2024 ranged from roughly 69% to 78%, meaning a meaningful share of candidates pay rewrite fees. Spending $100–$150 on targeted prep to avoid an $84 rewrite is straightforward math.
Common cost mistakes and how to avoid them
A few errors account for most of the unnecessary fees candidates pay.
Missing the refund window. Most exam fees are non-refundable the moment you pay. There is no grace period. If your plans change, the fee is gone. The only protection is not booking until you are ready.
Not checking the exam format before registering. A candidate who books a virtual sitting and then discovers their internet connection is unreliable faces a reschedule fee or a forfeited registration. Confirm your setup before you pay.
Forgetting required ID. Arriving at an in-person exam without two pieces of government-issued photo ID means you do not write. The module fee is not refunded. This happens more often than it should.
Paying unofficial third parties. Registration goes through the official regulator portal or Durham College directly. Any third party claiming to register you for the LLQP exam is not an authorised channel. Pay only through the official source.
Assuming one fee covers rewrites. In most provinces, each module attempt is a separate charge. Manitoba’s flat $110 first-attempt fee is the notable exception; it covers all modules on the first try. Everywhere else, a rewrite means paying again.
Not saving your receipt. Regulators and exam administrators occasionally have system issues. A saved PDF of your payment confirmation is your proof of registration if something goes wrong.
Pro Tip: Screenshot or PDF the regulator’s fee page on the day you register. Fees can change, and having a dated record of what was published when you paid protects you if a discrepancy arises later.
The part of LLQP budgeting most candidates get backwards
Most candidates treat the exam fee as the fixed cost and the prep course as the optional extra. That framing is backwards.
The exam fee is only fixed if you pass. A rewrite costs the same as the original sitting. Write four modules virtually in Ontario, fail one, and you have just added $84 to your total. Fail two, and you are $168 over your original budget, plus the time cost of waiting for the next available sitting date.
The prep course, by contrast, is a one-time spend that directly affects whether you pay the exam fee once or twice. Pass rates in 2024 show that somewhere between 22% and 31% of first-time writers do not pass each module. That is not a small risk. Spending $100–$150 on a platform with realistic mock exams and module-specific drills is not a luxury; it is the most reliable way to keep your total LLQP cost at the low end of the range.
Where I would put the budget: mock exams and unlimited practice quizzes over video lectures. Watching a lesson tells you what you know. A timed mock exam under realistic conditions tells you what you do not know, which is the only information that actually changes your result on exam day.
Llqpguide cuts your rewrite risk before you ever sit the exam
Rewrite fees are the single most avoidable cost in the LLQP process, and the way to avoid them is straightforward: practise under conditions that match the real exam before you walk in.
Llqpguide is built specifically for that. The platform covers all four LLQP modules — Life Insurance, Accident & Sickness, Segregated Funds & Annuities, and Ethics & Professional Practice — with unlimited practice quizzes, full-length mock exams, and readiness tracking that shows exactly which topics need more work. For candidates whose first language is not English, in-lesson word translation covers 11+ languages. Every feature is designed to get you to a first-attempt pass, which keeps your total LLQP exam cost at the low end of the range. See the Llqpguide pricing page to start a free trial or choose a subscription tier.
Sources
- Exam schedules and fees | Insurance Council of British Columbia
- Durham College increasing LLQP exam fees | Financial Services Regulatory Authority of Ontario
- Exam fees | Alberta Insurance Council
- Registering for an exam | Insurance Council of Manitoba (ICM)
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Frequently asked questions
How much does the LLQP exam cost in Canada?
LLQP exam fees vary by province and format. In Ontario, Durham College charges $66 per module for in-person or electronic sittings and $84 per module for virtual online sittings (effective August 1, 2025). Manitoba charges a flat $110 for a first attempt covering all modules. Add your provincial licence application fee (e.g., $170 in Ontario) to get your total post-exam cost.
What does it cost to rewrite an LLQP module?
In most provinces, a rewrite costs the same as the original sitting: $66 (in-person) or $84 (virtual) per module in Durham College-administered provinces. Manitoba's flat $110 first-attempt fee does not apply to rewrites; those are charged separately.
Is the LLQP hard to pass?
Targeted preparation with realistic mock exams significantly reduces that risk.
How long does it take to complete the LLQP?
Most candidates complete the required LLQP course in four to eight weeks of part-time study, then schedule exams shortly after. Each module exam is 75 minutes with 20–30 multiple-choice questions. The full process from course start to licensed status typically takes two to four months.
Are LLQP exam fees refundable?
In most provinces, exam registration fees are non-refundable once paid. The Insurance Council of BC explicitly states that registration fees are non-refundable and expire one year after registration. Check your province's specific reschedule policy before booking, and only register when you are ready to write.
