Apply for an accident & sickness insurance licence from another province or territory

Labour mobility “as of right” recognition for individuals

Deemed certification

Under Ontario’s new “as of right” labour mobility rules, eligible out-of-province professionals can start working in Ontario as soon as FSRA confirms receipt of a complete “as of right” labour mobility application, including all required documents. Once confirmation is received, an applicant is deemed certified. That certification will allow the applicant to operate in Ontario for six months, pending the receipt of a full licence application. Entry through the “as of right” process is only allowed once.

The “as of right” deemed certification expires after six months. To continue conducting business in Ontario after the six-month period, please ensure that you submit a standard out-of-province licensing application as early as you are able to meet the application requirements. This will avoid a gap in your ability to conduct business.

Checklist: Are you ready to apply for deemed certification?

Before you start your application under the “as of right” labour mobility process, review this checklist of requirements.

You must:

• provide a letter from your regulator to verify that you have an equivalent licence in another province or territory
• be sponsored by a licensed insurer in Ontario
• have an email address that FSRA can use to contact you
• attest to the following:
  • the licence issued by another province or territory for the regulated occupation is currently in good standing
  • no out-of-province regulatory authority has refused to certify you in the regulated occupation within the past two years
  • you are not currently subject to any professional misconduct, incompetence, or incapacity proceeding, or any similar proceeding, in respect of the regulated occupation
  • you have not had a finding of professional misconduct, incompetence, or incapacity made against you in relation to the regulated occupation
  • you have not been found guilty of an offence

If you are unable to attest to any of the above, or meet the above requirements, see how to apply using the standard process below.

Steps to apply for deemed certification

Once you meet all of the requirements above, you are ready to begin the application process.

1. You will be required to complete a criminal background check through FSRA’s approved vendor Triton Canada (Triton). More information can be found below in the standard application section.
2. Have your sponsoring insurer in Ontario complete the Sponsoring Company Form.
3. Complete the application form using the Online Services Portal.
4. Upload the following documents through the Online Services Portal:
   • a copy of your Triton invoice
   • Sponsoring Company Form
   • licensing documents from another province/territory

Please note you must wait for an email from FSRA confirming we have received a completed application from you before you are deemed certified. The email should arrive within 10 business days of submitting your application.

If your “as of right” application is refused, you may request a review or an appeal. Please follow the instructions provided in your correspondence, or email [email protected] for additional details.

Standard out-of-province application process for individuals

Insurance agents who hold an accident & sickness (A&S) licence from another Canadian province or territory, can apply for the same licence in Ontario without completing the education requirement.

The Financial Services Regulatory Authority of Ontario (FSRA) regulates and licenses all insurance agents in Ontario.

If you are an Ontario-licensed insurance agent and want to apply for a licence in a different province or territory, go to the Canadian Council of Insurance Regulators to access links to the different regulators.

About the Ontario licence

Sponsorship with an insurer is required

All new A&S agents in Ontario are required to be sponsored by a licensed insurer at all times.

• Your sponsoring insurer is responsible for confirming you meet all licensing requirements, and managing the application process for your licence.
• As the agent, you are responsible for maintaining your licence.

Fee for a new application

The fee to apply for a new A&S licence is $170. This fee will cover your first two years as an Ontario-licensed insurance agent.

Depending on the arrangement you have with your sponsoring insurer, the insurer may pay the fee OR you may be responsible for paying this fee. Check with your sponsoring insurer for details.

What are the requirements to apply from another province or territory?

Ontario education program and exemptions

New insurance agents in Ontario must complete the A&S modules, from the Life Licence Qualification Program (LLQP) before they can apply for an A&S licence.

In most cases, however, if you hold an equivalent licence in good standing from a different province or territory, you are exempt from having to complete this education requirement.

Exception: if you have a Quebec licence, there are additional LLQP courses you will need to complete before you can apply for an Ontario licence. The courses you will need to take will depend on when you completed the LLQP in Quebec.

You will need to submit a copy of your LLQP transcript from provincial regulator to FSRA to verify when your LLQP was completed.

Go to About the LLQP course for a list of approved course providers.

What if my current licence is inactive?

If you have an inactive licence in your home province or territory (e.g., you’ve either surrendered your licence or you’ve let it lapse), you can apply for an Ontario licence. Whether you need to take additional LLQP courses or not depends on your home province or territory and a few other factors.

For all provinces and territories (except Quebec)

For Quebec

If you are from Quebec, there are additional LLQP courses that you will need to complete before you can apply for an Ontario licence. You will need to submit a copy of your transcript from provincial regulator to FSRA to verify when you completed the Accident and Sickness exam.

Go to About the LLQP course for a list of approved course providers.

Checklist for a new licence

Review this checklist to ensure you are ready to apply for a new licence in Ontario.

Requirements:

• Verify that you have an equivalent licence in your home province or territory.
• If your licence is not active in the other province, you will need to obtain a letter of status from the regulator.
• Be sponsored by a licensed insurer.
• Have an Ontario mailing address that can receive registered mail (e.g., not a post office box).
• Have a personal email address that FSRA can use to contact you.
• Be suitable for a licence.

Once you have met all of these requirements, you are ready to begin the application process.

Ready to apply for a new licence?

Agents who live outside of Ontario:

1. Ask your sponsoring insurer to set up the new application on your behalf through Licensing Link.

• Your sponsoring insurer will be asked to verify that you are suitable for a licence and disclose any details that may be important for the regulator to know.
• Depending on the arrangement, they may pay the application fee.

2. Your sponsoring insurer will send you an email with two (2) links:

1. In the first link, you will be required to complete a criminal background check through FSRA’s approved vendor Triton Canada (Triton).

2. You will then return to the sponsoring application email and use the second link to continue your application process.

• You will need to verify your suitability to have a licence by confirming:
  • You are familiar with the laws of Ontario relating to the licensing of A&S agents.
  • You will hold yourself out publicly and carry out business in good faith as an A&S agent in the name in which you are licensed.
  • You are not engaged in any other business or occupation that would jeopardize your integrity, independence or competence as an insurance agent.
  • You are of good character and reputation.
  • You have provided all information about bankruptcies, lawsuits, criminal records, decisions from other regulators or licensing bodies and other employment information.
  • You successfully completed the LLQP exam (you will need to provide the score from your confirmation email).
  • You are a suitable person to receive a licence and meet all licensing requirements.
• If you need to pay the fee yourself, you can do so on Licensing Link with credit card (VISA, Mastercard) or debit cards (VISA Debit or Mastercard Debit).
• You will then submit the application to FSRA through Licensing Link.

Agents who live in Ontario but are licensed in a different province or territory

1. Go to Canadian Council of Insurance Regulators to find the application form and detailed instructions on how to apply.

2. Print and fill out the form.

• Complete pages 1-4 and page 9
• You will need your sponsoring insurer to fill out page 5 (Sponsor’s Attestation: Notice of Appointment of Agent by Sponsoring Company)

3. Complete a background check through Triton.

4. Submit the application form and a copy of your Triton invoice to FSRA through the Online Services Portal.

5. If you are responsible for paying the fee, you can make the payment through the Online Services Portal with credit card (VISA, Mastercard) or select debit cards (RBC, TD, First Nations Bank of Canada, most credit unions).

What happens after the application is submitted – for all agents

FSRA will send you an email to confirm it has received your application.

Note: out-of-province applications often do require additional reviews