Insurance agents who want to sell accident & sickness (A&S) insurance in Ontario must apply for a licence with the Financial Services Regulatory Authority of Ontario (FSRA).

About the licence

Sponsorship required with an insurer

As an A&S agent, you must be sponsored by a licensed insurer at all times.

  • Your sponsoring insurer is responsible for confirming you meet all licensing requirements, and for 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 the first two years of your licence.

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 for a new licence?

Education program required for new applicants

Before you apply for an A&S licence, you must complete the Life Licence Qualification Program (LLQP). There are two steps in this process:

  1. Complete the following LLQP courses:
    • Ethics and Professional Practice
    • Accident & Sickness
    • You can find more information, including an overview and a list of approved course providers at About the LLQP course.
  2. Pass the LLQP exams for:
    • Ethics and Professional Practice
    • Accident & Sickness
    • You can find more information, including a description, fees and registration link at About the LLQP exam.

Once you have passed the LLQP exam, you have one year to apply for your licence from your “first pass” date.

Checklist for a new licence

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


  • Be sponsored by a licensed insurer.
  • Complete the required LLQP courses and exams, with a “first pass” date within 1 year of your application date.
  • Have an Ontario mailing address that can receive registered mail (e.g., no postal boxes).
  • 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?

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 to hold 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).

New Criminal Record check process

FSRA is changing its licensing process for criminal background checks to ensure the processes remain up to date. Criminal record checks are part of FSRA’s rigorous licence qualification process to protect consumers by ensuring only suitable individuals sell or offer financial products and services in Ontario.

FSRA now requires licence applicants to complete their criminal record checks through our approved vendor Triton. You must use FSRA’s link directing you to Triton’s website. After completing the background check, you will then return to your sponsoring application email and complete your licensing application on FSRA’s website. Please note that a fee of $19.15 applies for Triton’s service, and the background check is valid for 90 days.

If you have any further questions about the new background check process, please contact us.

Frequently asked questions – Background check process

  1. 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.

What happens after the application is submitted:

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

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.
  • The Specialist reviewing your application will contact you directly if additional information is required.
  • If approved, you can view and print a PDF of your licence from Licensing Link.