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Before an advisor in the financial services sector is allowed to begin selling life insurance products, they must complete and pass LLQP, and earn a certificate of completion. Once the certification exam is completed, and criminal records checks are submitted, applicants may apply to their provincial insurance council to write the licensing exam.
Life insurance (or life assurance, especially in the Commonwealth of Nations) is a contract between an insurance policy holder and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money upon the death of an insured person.
Obtaining life insurance can feel like a complicated process, especially if the thought of a medical exam puts you off. The good news is you don’t always need an exam to get covered.
The exam is multiple choice and in 2012 the exam had a pass rate of 78.43%. A nominal pass mark is set at 70% although the actual pass mark may vary. [2] The test covers several areas of insurance: Understanding how the insurance market operates; Understanding risk and insurance in the context of the insurance market
Term life insurance: Term life insurance is generally the cheapest kind of life insurance. It provides coverage over a specific term period, usually between 10 and 30 years.
Ask your agent which type of life insurance, term or permanent, best suits your needs. Confirm with your agent if your policy offers living benefits, like access to cash value or critical illness ...
The Fellow, Life Management Institute (FLMI) designation program, awards the FLMI designation to individuals who pass a series of 10 examinations; these insurance-focused examinations cover insurance, accounting, marketing, information systems, finance, law, management, and computers. [6]
Life insurance companies often test for nicotine or cotinine using various methods, and the detection time varies depending on the test. Here’s a breakdown of common tests and how long nicotine ...
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