Insurance agents who hold a general licence from another Canadian province or territory, can apply for the same licence in Ontario without completing the full education program required for new Ontario applicants. You would still need to complete Ontario’s auto insurance exam.

The Financial Services Regulatory Authority of Ontario (FSRA) regulates and licenses all insurance agents in Ontario. The following instructions apply to agents who want to sell property and casualty insurance, including auto insurance.

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

About the Ontario licence

Sponsorship with an insurer is required

All general insurance 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 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 general 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?

Auto insurance exam required for new applicants outside of Ontario

New general agents in Ontario must successfully complete the Other Than Life (OTL) Agent’s Exam from the Insurance Institute, which covers all aspects of the general insurance business in Ontario. However, if you hold an equivalent licence in good standing from a different province or territory, you are exempt from the OTL Agent's Exam.

Out-of-province applicants are required to take the auto insurance exam offered by the Registered Insurance Brokers of Ontario (RIBO).

Exception: If you hold a Chartered Insurance Professional (CIP) designation in good standing or you've passed the equivalent Registered Insurance Brokers of Ontario (RIBO) exam, you can bypass the auto insurance exam. See below for documents you need to provide as proof.

What is an equivalent licence?

If you hold the following licences in your home province or territory, you can bypass the OTL Agent's Exam and go straight to taking the auto insurance exam.

Province/territory

Equivalent licence

Alberta

  • General Level 1 Agent
  • General Level 2 Agent
  • General Level 3 Agent

British Columbia

  • Level 1 General Insurance Salesperson
  • Level 2 Agent
  • Level 3 Agent

Manitoba

  • Level 1 General Insurance Salesperson
  • Level 2 Agent
  • Level 3 Agent

New Brunswick

 

  • Agent’s Class 1
  • Agent’s Class 2
  • Broker’s Class 1
  • Broker’s Class 2
  • Broker’s Class 3
  • Broker’s Class 4

Newfoundland and Labrador

  • Property and Casualty Insurance Representative Level 1
  • Property and Casualty Insurance Representative Level 2
  • Property and Casualty Insurance Representative Level 3

Northwest Territories

  • General Insurance Agent

Nova Scotia

 

  • Level 1 General Insurance Agent
  • Level 2 General Insurance Agent
  • Level 3 General Insurance Agent

Nunavut

Prince Edward Island

  • General Insurance Agent

Québec

  • Damage Insurance Agent or Broker
  • Commercial-lines Damage Insurance Agent or Broker
  • Personal-lines Damage Insurance Agent or Broker

Saskatchewan

  • Level 1 Agent
  • Level 2 Agent
  • Level 3 Agent

Yukon

  • General Insurance Agent

You will need to meet all other eligibility requirements to get an Ontario licence.

Exemptions for taking the auto insurance exam

If you have a CIP designation in good standing or you’ve passed the RIBO exam, you can bypass the auto insurance exam. As proof, you will need to provide either:

  • A screenshot of the CIP membership page showing the active status and expiry date; or
  • An official Insurance Institute letter dated in the last 12 months with the expiry date of your CIP designation; or
  • Proof of your RIBO exam completed within the last year; or
  • The emailed confirmation of resignation from RIBO, which includes your RIBO registration number and the effective date of the resignation. The date of resignation must be within the last 2 years to be acceptable.

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 may be able to apply for an Ontario licence without completing the the OTL Agent's Exam requirement for new general agents.

If it has been less than two years since the inactive date

You can apply for an Ontario licence without completing the OTL Agent's Exam.

 

You will still need to complete the auto insurance exam.

 

You will need to provide a letter of status from your home province or territory regulator as proof. Be sure to obtain this before you apply for an Ontario licence.

If it has been more than two years since the inactive date

You can still apply for a licence in Ontario, but you will need to complete the OTL Agent's Exam.

 

Go to Apply for a new general insurance licence for details.

Checklist for a new licence

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

Requirements:

  • Be sponsored by a licensed insurer.
  • Complete the auto insurance exam through RIBO.
  • 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 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 are familiar with the laws of Ontario relating to the licensing of general agents.
    • You will hold yourself out publicly and carry out business in good faith as a general 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 credit unions).
  • 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.

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.