In order to obtain your licence in Ontario, you must be sponsored by an Insurer in the province. Once you have met all the criteria outlined below, they will need to submit an application on your behalf using Licensing Link.

The steps you must follow are:

  1. Obtain sponsorship from a licensed insurer
  2. Familiarize yourself with Ontario’s licensing laws
  3. Take an approved course and pass an exam. (Outlined below)
  4. Meet all licensing requirements
  5. Provide an Ontario mailing address that can receive registered mail (not a PO box)
  6. Complete a General Insurance Agent application, provide all supporting documents, and pay a fee of $150.00
  7. Be of good character and reputation

Once you have obtained your licence, you must also agree to abide by the following:

  • Operate as a general insurance agent using the legal name under which you are licensed
  • Refrain from any other business or occupation that could jeopardize your integrity, independence or competence

Course / exam requirements

Before applying for your licence, you must successfully pass a qualifying exam. Exam results are valid for one year and must be forwarded to FSRA along with your application.

Exams are coordinated through the Insurance Institute of Ontario.

Exemptions

You may be exempt from these educational requirements if you have already completed or obtained a Chartered Insurance Professional (CIP) designation, or passed the equivalent RIBO exam.

Insurer sponsorship

Your sponsoring company is responsible for investigating your record and confirming that you:

  1. Are a person of good character and reputation
  2. Have completed the appropriate education
  3. Have met all licensing requirements
  4. Comply with all legal licensing requirements

Failure to adhere or qualify for all the above may result in your sponsorship being revoked.

Licensing Link

Once you have met all the criteria outlined above, your employer will submit your application through Licensing Link, our online application system.

To start an application, submit a Licensing Link Usage Agreement now.

Other actions on Licensing Link

In addition to submitting an application, Licensing Link allows you to renew your licence, update your contact information, search agents and companies, and more.

Renewals - Insurance agent licenses must be renewed every two years, within 60 days of the expiry date of a current licence. Applicants who have been unlicensed for two or more years will need to reapply as a new agent. This includes completing course and exam requirements.

Change your address - Insurance agents are required to have a mailing address in Ontario. Changes can be made at any time.

Terminate a sponsorship - Termination of sponsorship will suspend an agent’s licence, and prohibit them from acting as an agent. Terminations of sponsored individuals can be made by the sponsoring company free of charge.

Transfer sponsorship - Replace your sponsoring insurer 24/7. The fee for a transfer of sponsorship is $50, payable to the Minister of Finance.

Payments - Licensing Link accepts credit card or prepayment. For prepayment, please use our Insurance Company Prepayment Deposit Authorization Form.

Certificate of Authority - Submit a written request to obtain a Certificate of Authority. If a third party is making the request, they must also include a letter of agent authorization. The fee for a Certificate of Authority is $25.00, payable to the Minister of Finance.

Name change - Name changes must include applicable documentation, i.e. a copy of a birth or marriage certificate. The fee for a name change is $25.00, payable to the Minister of Finance.

Duplicate licence - Individuals cannot apply for a duplicate licence, they can only be applied for by the sponsoring insurer. The fee for a duplicate licence is $25.00, payable to the Minister of Finance.

Note about payments by cheque or money order: Please note that the deposit of a cheque or money order does not mean the applicant is has been licensed or approved. You must wait for FSRA to approve your application. The Minister of Finance will charge a $35.00 fee for cheques returned for non-sufficient funds.

Out-of-province applicants

If you are a general agent in good standing in another province or territory, you can apply for a licence in Ontario without taking a course or writing an exam. This is in accordance with the Agreement on Internal Trade and Ontario Labour Mobility Act, 2009.

Even if you do not qualify for this exemption, you can still apply for a licence in Ontario by following the steps outlined above.

How to apply for a licence outside of Ontario

If you are an agent in good standing in Ontario, you can apply for a licence in another province or territory, without taking a course or writing an exam.

Transferable licenses across Canada

British Columbia

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

Alberta

  • General Level 1 Agent
  • General Level 2 Agent

Saskatchewan

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

Manitoba

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

Québec

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

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

Nova Scotia

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

Prince Edward Island

  • General Insurance Agent

Newfoundland

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

Yukon

  • General Insurance Agent

Northwest Territories

  • General Insurance Agent