Insurance agents who sell accident & sickness (A&S) insurance must renew their licence with the Financial Services Regulatory Authority of Ontario (FSRA) every two years.

About licence renewals

Your A&S licence covers a period of two years, after which you will need to renew it to keep your licence active.

FSRA will send your sponsoring insurance company an email 60 calendar days before the expiration date to let them know you will need to renew your licence. This is a courtesy reminder – it is your responsibility to know when your licence will expire and to ensure your email address is up to date with FSRA.

You can renew your licence at any time during the 60-day window.

Note: while some renewals are processed quickly, others may require additional review. Submit your renewal application as soon as possible to avoid having your licence expire.

Fee for renewing a licence

The fee to renew your A&S licence is $150. This fee will cover the next two years of your licence, after which you will have to renew your licence again.

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

What if I have an inactive licence?

If you want to start selling A&S insurance again, review Reinstate my accident & sickness insurance licence

What if I miss the deadline for renewing my licence?

If you don’t renew your licence before the expiration date, your licence will lapse and it will no longer be active.

 

If you want to continue selling A&S insurance after your licence has lapsed, review Reinstate my accident & sickness insurance licence

Before you submit your renewal application

You will have to reconfirm your suitability to hold an A&S licence and that you meet all the licence requirements from when you first applied.

Requirements:

  • Be sponsored by a licensed insurer.
  • 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.

You will also need to share any new information about bankruptcies, lawsuits, criminal records, decisions from other regulators or licensing bodies and other employment information.

Ready to renew your licence?

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

  • Your sponsoring insurer will be asked to reconfirm 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 a link to Licensing Link, where you will need to complete the rest of the renewal.

  • 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 credit cards).
  • You will then submit the application to FSRA through Licensing Link.

What happens after your renewal is submitted:

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

For most applications

  • In most cases, your application will be approved within a day.
  • 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

  • You will receive an email to let you know your application will require additional review
  • FSRA will send you a follow-up email with the name and contact information for the assigned Licensing and Registration Specialist.
  • The Specialist will contact you directly if additional information is required.
  • The review may take more than 10 business days depending on the situation.
  • If approved, you can view and print a PDF of your renewed licence from Licensing Link.