A practical 30-day LLQP Accident & Sickness study plan using published competency weightings and a client-needs-first review loop.
Use this plan to turn LLQP Accident and Sickness into a repeatable exposure-to-product study cycle. Pair it with the guide home, the Cheat Sheet, the FAQ, and the official resources.
This module gets easier once you stop treating it like a bag of loosely related health products. The scoring edge usually comes from identifying the client’s risk correctly, then matching it to the right benefit structure without losing sight of exclusions, coordination, implementation, and service.
Do three checks before you begin:
| Study stage | What you are stabilizing |
|---|---|
| needs assessment first | the heaviest competency and the base for every product decision |
| product analysis second | the difference between income replacement, reimbursement, lump-sum support, and care planning |
| implementation third | exclusions, benefit structure, waiting periods, disclosures, and recommendation logic |
| service last | changes, claims, review triggers, and ongoing client support |
That sequence works because many wrong answers are not really product-memory misses. They are needs-analysis misses that create the wrong product answer later.
| Days | Primary focus | Goal |
|---|---|---|
| 1 to 10 | assess needs and situation | build a reliable fact-find and exposure-recognition base |
| 11 to 18 | analyze product options | classify the main product jobs and compare them cleanly |
| 19 to 26 | implement a recommendation | connect product choice to exclusions, waiting periods, disclosures, and suitability |
| 27 to 30 | policy service and mixed review | strengthen claims, review-trigger, and ongoing-service judgment |
| Weeks | Primary focus | Goal |
|---|---|---|
| 1 to 3 | needs assessment and exposure mapping | stabilize fact-find discipline |
| 4 to 5 | disability income, critical illness, and long-term care logic | separate the major product jobs cleanly |
| 6 to 7 | extended health, dental, travel, and implementation issues | strengthen exclusions, reimbursement logic, and recommendation mechanics |
| 8 | service and mixed-case review | improve ongoing-service and claims judgment |
| Phase | Focus |
|---|---|
| Days 1 to 30 | client facts, household risk, income dependency, medical-expense exposure, and current coverage context |
| Days 31 to 55 | product families, benefit triggers, exclusions, waiting periods, and benefit periods |
| Days 56 to 75 | recommendation and implementation logic, including disclosure and coordination issues |
| Days 76 to 90 | mixed scenarios, weak-spot repair, claims, and final review |
Mon-Thu: learn plus short drillsFri: consolidation and miss-log reviewSat: mixed set plus deep reviewSun: light recall using the Cheat Sheet and weak-topic cleanupThat four-step loop is usually better than rereading a list of products in isolation.
Tag each miss by type:
That shows whether you are failing at problem recognition or just at detail recall.