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 $150. 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.

LLQP completion in Quebec

Additional LLQP requirements

After January 1, 2016

  • Ethics and Professional Practice (Common Law)

Before January 1, 2016

  • Ethics and Professional Practice (Common Law)
  • Accident & Sickness

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)

If it has been less than two years since your licence expired or lapsed

You can apply for an Ontario licence without completing the education requirement.

 

You will need to provide a letter of status from your home province or territory regulator as proof.

If it has been more than two years since your licence expired or lapsed

You can still apply for a licence in Ontario, but you will need to complete the education requirement.

 

Review Apply for a new accident & sickness insurance licence for details.

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. The courses you need to take will depend on when you completed the LLQP in Quebec.

LLQP completion in Quebec

Additional LLQP requirements

After January 1, 2016

  • Ethics and Professional Practice (Common Law)

Before January 1, 2016

  • Ethics and Professional Practice (Common Law)
  • Accident & Sickness

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 a link to Licensing Link, where you will need to complete the rest of the application.

  • You will need to verify your suitability to have a licence by confirming:
    • You will hold yourself out publicly and carry out business in good faith as an A&S agent in the name you in which you are licensed.
    • You are not engaged in any other business or occupation that would jeopardize your integrity, independence or competence.
    • You are of good character and reputation.
    • You have provided information about bankruptcies, lawsuits, criminal records, decisions from other regulators or licensing bodies and other employment information.
    • 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 select debit cards (RBC, TD, First Nations Bank of Canada, most debit cards).
  • 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. Submit the form to FSRA through the Online Services Portal.

4. 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 so be aware that the process will likely take longer than 10 business days.

For most applications

  • It should take 10 business days for FSRA to issue your licence.
  • Keep checking Licensing Link to see if the licence has been approved.
  • If approved, you can view and print a PDF of your licence from Licensing Link.

If the application requires additional review

  • FSRA will send you a follow-up email to let you know your application requires additional review.
  • The email will include the name and contact information for the assigned Licensing and Registration Specialist.
  • If approved, you can view and print a PDF of your licence from Licensing Link.