LLQP Exam Day in Ontario: What to Expect at Your In-Person Exam

Since July 1, 2026, every Ontario LLQP candidate writes the provincial exam in person, at a test centre run through Durham College. The rules on the day are strict, and small mistakes, like an expired driver’s licence or arriving five minutes late, cost you the full exam fee. This guide walks through the day from booking to results, using Durham College’s LLQP exam information (current as of July 2026).

Before exam day: booking

You need your course completion certificate before you can register. After that, a few booking rules matter:

• Sessions open two to three weeks ahead. Sessions marked “OPEN” on Durham’s schedule pages are available. There is no waitlist for full sessions.
• Registration closes 10 days before the exam, or earlier if the session fills.
• You can book up to four modules in one day. Each module is a separate 75-minute sitting.
• Changes stop at final confirmation, which is sent 10 days before the exam. After that, no edits or rescheduling.
• No cancellations or refunds once an exam is booked. The fee in Ontario is $68 per module for a paper exam.

Need an accommodation? Submit Durham’s LLQP Accommodation Request Form, signed by your health professional, before you register, and allow five business days for review. Ontario candidates who live 150 km or more from the nearest test centre may qualify for a distance accommodation, at the LLQP Administrator’s discretion.

The day itself, hour by hour

When	What happens	What to do
The night before	Final preparation	Check your ID is valid and the name matches your registration exactly. Plan your route and parking. Do a light flashcard review only.
30 minutes before	Arrival	Durham asks in-person candidates to arrive 30 minutes before the exam time.
15 minutes before	Check-in and instructions	ID check, belongings stored, proctor instructions.
Start time	Doors close for late arrivals	Anyone arriving after the scheduled start is not allowed to write. The fee is forfeited, though the missed exam doesn’t count as an attempt.
75 minutes per module	The exam	No washroom breaks are allowed during a session, so plan accordingly.
About 7 business days later	Results	Durham emails marks around seven business days after the exam date.

Bring this, leave that

Bring	Leave at home or in storage
One valid, government-issued photo ID (original, not a copy)	Expired ID, photocopies or photos of ID on your phone
Your name spelled exactly as registered, first and last names in full	Your provincial health card as ID (not accepted)
Nothing else: the centre supplies the exam booklet or tablet, scratch paper, pencil and eraser	Phones, smart watches and all other watches, headsets, cameras, laptops, programmable calculators
	Food and drinks (not permitted in person)

Accepted ID includes a Canadian or foreign passport, a Canadian driver’s licence, a citizenship card, a permanent resident card, an Ontario Photo ID card and a Certificate of Indian Status card.

Calculator check: Durham’s list of in-person materials doesn’t include a calculator, and programmable calculators are prohibited. Segregated Funds and Annuities questions often involve arithmetic, so confirm with the LLQP Administrator before exam day whether a calculator is provided, and practise doing guarantee calculations on scratch paper.

During the exam: making 75 minutes work

Every module gives you 75 minutes, according to the Alberta Insurance Council’s LLQP FAQ. Life Insurance, Accident and Sickness, and Segregated Funds each have 30 scored questions plus 5 unscored pilot questions. Ethics has 20 scored plus 5 pilot. That works out to roughly two minutes per question, or more in Ethics. A few habits help:

1. Do a first pass quickly. Answer everything you know and mark anything that needs more time.
2. Read the last line of a scenario first. Knowing what is being asked tells you which details in a long client story matter.
3. Use scratch paper for every calculation. Write the guarantee, the market value and which one applies before choosing an answer.
4. Treat every question as scored. You won’t know which five are unscored pilot questions.
5. Never leave a question blank. Eliminate what you can and choose the best remaining answer.

The fastest way to build this pacing is timed practice. Our exam simulator runs each module on the real 75-minute clock.

Conduct rules that can end your exam

Durham’s rules say profanity, threats or aggressive behaviour toward a proctor can end your exam and be reported to your regulator. Exam integrity is the reason Ontario moved to in-person exams in the first place, and FSRA treats misconduct seriously. Follow the proctor’s instructions and keep your phone and watch in storage for the whole session.

After the exam

• Results arrive by email about seven business days after the exam date.
• Remarks: Durham offers manual remarks for exams taken within the last six months, at $40 per module, taking up to three weeks.
• If you passed: you have one year from your first pass date to apply for your licence, according to FSRA. Our guide to what it costs to get licensed in Ontario covers the fees that come next.
• If you didn’t pass a module: in Ontario you can write up to three supplemental exams, with a 24-hour wait between attempts. Look at which topics cost you marks, then go back to that module’s practice tests before you rebook.

One week out: a checklist

• ☐ My booking is confirmed, and I know the test centre address, parking and travel time.
• ☐ My photo ID is valid on exam day, and the name matches my registration exactly.
• ☐ I have asked about calculators if I’m writing Segregated Funds and Annuities.
• ☐ I have completed at least one timed simulation per module I’m writing.
• ☐ My accommodation, if I need one, was approved before I registered.
• ☐ I have planned to arrive 30 minutes early, with no food, drinks or devices to bring in.

Still a few weeks away? Start with our six-week study plan and the module guides for Ethics, Life Insurance, Accident and Sickness and Segregated Funds.

Exam rules and fees reflect Durham College and FSRA information available in November 2026 and can change. Confirm details with Durham College’s LLQP Administrator before your exam.