LLQP Critical Illness, Long-Term Care & Health Practice Questions
Critical Illness, Long-Term Care & Health makes up 4 of every 50 questions on a Tigertest LLQP practice test. Here are 10 of the 16 questions on it, each with the answer and the reason.
Updated by the Tigertest team. Based on the harmonized LLQP's four modules, Canadian law and CCIR/CISRO guidance as of November 2026. Original questions; 50 per test, mixing the modules in proportion. Not affiliated with CISRO, any provincial regulator or the AMF.
1. Priya owns a personal critical illness policy and receives its lump sum after a stroke. How is the benefit taxed?
- A.It is taxed only if she returns to work
- B.It is received tax-free
- C.It is taxed as her regular income
- D.Half is taxed as a capital gain
Answer: B. A critical illness benefit from a personally owned policy is generally not taxable in Canada, and she may spend it as she wishes. Personal premiums are not deductible.
2. Most critical illness policies require the insured to survive a diagnosis for a period, commonly:
- A.7 days
- B.90 days
- C.1 year
- D.30 days
Answer: D. A survival period, typically 30 days after diagnosis, must pass before the lump sum is paid. If the insured dies sooner, the claim usually is not paid.
3. Which three conditions are covered by almost every critical illness policy?
- A.Cancer, heart attack and stroke
- B.Back pain, migraine and anxiety
- C.Diabetes, asthma and arthritis
- D.Flu, pneumonia and bronchitis
Answer: A. Cancer, heart attack and stroke are the core conditions and the bulk of claims. Policies add others, but each is defined in the contract.
4. A return of premium on expiry rider on a critical illness policy:
- A.Adds more covered illnesses later
- B.Pays the premiums during a disability
- C.Refunds premiums if no claim is made
- D.Doubles the lump sum on a claim
Answer: C. If the policy reaches expiry (or a set date) with no claim, the premiums paid are refunded, at an extra cost.
5. Under most critical illness policies, an early-stage condition such as a low-risk skin cancer is:
- A.Paid in full like any major cancer
- B.Grounds to cancel the policy
- C.Excluded or paid as a partial benefit
- D.Paid at double the face amount
Answer: C. Policies exclude or give only a partial benefit for specified early or less severe forms; the full benefit needs the contract's definition of life-threatening cancer.
6. Long-term care insurance pays when the insured:
- A.Cannot do set daily living activities
- B.Needs a short stay in hospital for tests
- C.Has a dental emergency abroad
- D.Is laid off from work for good
Answer: A. LTC benefits are triggered by inability to perform a number of activities of daily living (bathing, dressing, eating, toileting, continence, transferring) or by cognitive impairment.
7. An income-style long-term care policy pays:
- A.The wages of a family caregiver only
- B.Only receipts for approved care
- C.A lump sum at age 75 only
- D.A set amount with no receipts needed
Answer: D. Income (disability-style) LTC pays the benefit once eligible, with no need to show receipts. Reimbursement LTC pays actual eligible expenses up to a limit.
8. Which is one of the five criteria provinces must meet under the Canada Health Act?
- A.Co-payment
- B.Portability
- C.Profitability
- D.Exclusivity
Answer: B. The five criteria are public administration, comprehensiveness, universality, portability and accessibility.
9. Why do Canadian travellers need private travel medical insurance?
- A.It replaces their group life plan
- B.Provincial plans pay little abroad
- C.Provincial plans forbid foreign travel
- D.Hospitals abroad treat them for free
Answer: B. Provincial plans pay only part of emergency care abroad, often at home-province rates, which can leave large bills. Travel medical covers the gap.
10. A travel medical policy usually will not pay for a condition that was not stable for a set period before departure. That condition is:
- A.A trip interruption claim
- B.A dental accident claim
- C.A covered emergency claim
- D.A pre-existing condition
Answer: D. Travel policies apply a stability clause to pre-existing conditions: changes in symptoms, treatment or medication within the look-back period can exclude them.
Practice all 16 critical illness, long-term care & health questions, and the rest of the 200-question bank, in the free LLQP training sets. Questions you miss come back until you have mastered them.
Start practicingFree to start. No account needed.