Last Updated on July 16, 2025 by Jacques Wong, B.Sc.
The insurance certification program is regulated at the provincial level, meaning each province has its own specific certification requirements and program. On this page, we will outline the certification programs in different provinces. To find your province easily, you can use your browser’s search function to search this page.
British Columbia
Level 1 Insurance Broker (Entry Level)
There are a few courses you can take to get your Level 1 insurance salesperson’s license in BC. We recommend and provide exam prep courses for the Fundamentals of Insurance exam and the CAIB 1 exams.
Level 2 Insurance Broker
To get your Level 2 unrestricted brokers license in BC, you need to complete BOTH the CAIB 2 & CAIB 3 courses/exams.
Level 3 Insurance Broker
Once you have had your license for 5 years, you might want to start your own brokerage or be called to manage one. To get your Level 3 insurance certification, you’ll need to complete CAIB 4 and the Supervision Course for General Insurance Agents.
[UPDATE]: April 15, 2024
Changes for Level 3 Licenses in BC:
Previously, holding a management or ownership role was a prerequisite for a Level 3 license. Now, qualification is based solely on your education and experience. This means even if you’re not in a leadership position, you can still qualify for a Level 3 license as long as you meet the requirements.
Also, say goodbye to the confusion of having multiple license levels based on the companies you represent (ATR). Moving forward, your license level will be tied directly to your qualifications, not your employer. So, if you qualify for a Level 3 license, you can simply apply for it regardless of your current role.
If you already have both Level 2 and Level 3 ATRs, don’t worry! You can continue practicing under your current licenses without any change. You’ll receive an email about how your online ATR information will be updated to reflect this new system.
Ontario
Ontario has 2 different insurance certification programs. One is for insurance agents called OTL (Other Than Life) while the other is for insurance brokers called RIBO (Registered Insurance Brokers of Ontario).
We have a separate guide if you are curious about the differences between the OTL and RIBO insurance certification programs.
Level 1 Insurance Agent Certification Program (Other Than Life)
Ontario’s insurance agent certification program involves passing the OTL (Other Than Life) exam.
Entry Level 1 Insurance Broker Certification Program (RIBO)
The insurance broker certification program in Ontario is built on a 3 level system. To get the first (entry) level, you need to complete RIBO 1.
This license includes restrictions that you be supervised during work by a Level 2 or higher broker.
[April 30, 2024 UPDATE: Starting April 1, 2023, level 1 licensees are classified as brokers holding Entry Level Broker or Level 1 competency (previously Acting Under Supervision and Acting Under Supervision (No A&S or Travel or Including Travel, No A&S)).]
[October 15, 2024 UPDATE: Under the new changes, candidates will have access to a consolidated PDF document containing crucial reference materials during the exam: OAP 1, RIBO By-Laws, RIB Act, Ontario Regulations. You can preview these resources inside your respective courses.]
Level 2 Insurance Broker (Unrestricted – Technical)
After you get your RIBO 1 license, you might find working under supervision to be restrictive to your business and career growth. In that case, you’ll need to complete both CAIB 2 & CAIB 3 to pass the RIBO 2 (Unrestricted Technical) program.
[April 30, 2024 UPDATE: Starting April 1, 2023, level 2 licensees are classified as brokers holding Technical/Commercial competency (previously Unrestricted Technical classes and Unrestricted Technical (No A&S or Travel or Including Travel, NO A&S)).]
[October 15, 2024 UPDATE: Under the new changes, candidates will have access to a consolidated PDF document containing crucial reference materials during the exam: Level 2 – Technical/Commercial Exam: same as Level 1; Level 2 – Technical Farm Exam: RIBO By-Laws, RIB Act, Ontario Regulations only. You can preview these resources inside your respective courses.]
Level 3 Insurance Broker (Unrestricted – Management)
Like the name implies, you need this certification to be able to run or manage a brokerage. To get this insurance certification, you need to study CAIB 4 to prepare you to pass the RIBO 3 (Unrestricted Management) program.
[April 30, 2024 UPDATE: Starting April 1, 2023, level 3 licensees are classified as brokers holding Management competency (previously Unrestricted classes and Unrestricted (No A&S or Travel or Including Travel, NO A&S)).]
[October 15, 2024 UPDATE: Under the new changes, candidates will have access to a consolidated PDF document containing crucial reference materials during the exam: same as level 1. You can preview these resources inside your respective courses.]
Alberta
Level 1 Insurance Adjuster
The insurance certification program for Level 1 Adjusters in Alberta is the Alberta Insurance Council (AIC) level 1 insurance adjusters program.
Level 1 Insurance Broker
The insurance certification programs for Level 1 Brokers in Alberta is the same as for Adjusters although the exam is different. You will need to take the Alberta level 1 insurance broker program.
Level 2 Insurance Broker
Similar to other provinces, Alberta has a supervision restriction for Level 1 brokers/agents. To get your Level 2 license, you need to complete the Alberta Level 2 insurance broker program administered by the AIC.
Level 3 Insurance Broker
When you are at the stage of your career where you want to start or manage a brokerage, you need your Level 3 license. You get that by completing the Alberta level 3 insurance broker program.
Saskatchewan
Level 1 Insurance Broker (Entry Level)
There are a few courses you can take to get your Level 1 insurance salespersons license. We recommend and provide exam prep courses for the Fundamentals of Insurance exam and the CAIB 1 exams.
Level 2 Insurance Broker
To get your Level 2 unrestricted brokers license, you need to complete BOTH the CAIB 2 & CAIB 3 courses/exams.
Level 3 Insurance Broker
Similar to the other provinces, you need a level 3 certificate if you want to manage or run your own brokerage. To get your Level 3 insurance certification, you’ll need to complete CAIB 4.
Manitoba
Level 1 Insurance Broker (Entry Level)
There are a few courses you can take to get your Level 1 insurance salespersons license. We recommend and provide exam prep courses for the Fundamentals of Insurance exam and the CAIB 1 exams.
Level 2 Insurance Broker
To get your Level 2 unrestricted brokers license, you need to complete BOTH the CAIB 2 & CAIB 3 courses/exams.
Level 3 Insurance Broker
To get your Level 3 insurance certification, you’ll need to complete CAIB 4.
Nova Scotia
Level 1 Insurance Broker (Entry Level)
There are a few courses you can take to get your Level 1 insurance salespersons license. We recommend and provide exam prep courses for the Fundamentals of Insurance exam and the CAIB 1 exams.
Level 2 Insurance Broker
To get your Level 2 unrestricted brokers license, you need to complete BOTH the CAIB 2 & CAIB 3 courses/exams.
Level 3 Insurance Broker
To get your Level 3 insurance certification, you’ll need to complete CAIB 4.
Prince Edward Island
Level 1 Insurance Broker (Entry Level)
There are a few courses you can take to get your Level 1 insurance salespersons license. We recommend and provide exam prep courses for the Fundamentals of Insurance exam and the CAIB 1 exams.
Level 2 Insurance Broker
To get your Level 2 unrestricted brokers license, you need to complete BOTH the CAIB 2 & CAIB 3 courses/exams.
Level 3 Insurance Broker
To get your Level 3 insurance certification, you’ll need to complete CAIB 4.
Newfoundland
Level 1 Insurance Broker (Entry Level)
There are a few courses you can take to get your Level 1 insurance salespersons license. We recommend and provide exam prep courses for the Fundamentals of Insurance exam and the CAIB 1 exams.
Level 2 Insurance Broker
To get your Level 2 unrestricted brokers license, you need to complete BOTH the CAIB 2 & CAIB 3 courses/exams.
Level 3 Insurance Broker
To get your Level 3 insurance certification, you’ll need to complete CAIB 4.
New Brunswick
Level 1 Insurance Broker (Entry Level)
There are a few courses you can take to get your Level 1 insurance salespersons license. We recommend and provide exam prep courses for the Fundamentals of Insurance exam and the CAIB 1 exams.
Level 2 Insurance Broker
To get your Level 2 unrestricted brokers license, you need to complete BOTH the CAIB 2 & CAIB 3 courses/exams.
Level 3 Insurance Broker
Once you have had your license for a while, you might want to start your own brokerage or be called to manage one. To get your Level 3 insurance certification, you’ll need to complete CAIB 4.
I’m not sure if you noticed but if you read this far, the insurance certification programs for BC, SK, MB, and the Atlantic provinces are all the same or very similar.