February 12, 2022

Last Updated on March 1, 2022 by Jacques Wong, B.Sc.

Insurance broker education in Canada differs from province to province as insurance law and educational requirements differ slightly. Over the past 5+ years, PNC Learning has helped tens of thousands of students with their insurance education in all provinces except for Quebec. You can see the full catalog of insurance education courses on our website but in this post, we’ll outline the requirements and courses needed for each of the major Canadian provinces.


We believe insurance, finance, and the other regulated industries we train for are great ways for people to secure a future for themselves and their families.

Our goal at PNC Learning has always been to make these courses as accessible to people as possible. That means not only offering accessible pricing but also:

  1. Payment plans for students who need help signing up
  2. Registering as a certified educational institution so students can take advantage of government tax incentives

But outside of pricing, we also want to make the courses as inclusive as possible for all people – even if English is not your first language – or if you have learning difficulties. We do this by:

  1. Using plain language and avoiding jargon
  2. Audio, visual and written learning modes are all included inside the courses
  3. Help from a dedicated course tutor available 7 days a week to assist
  4. Pass Guarantee

Insurance broker education in British Columbia

BC follows the graduated licensing program with 3 levels that give you different responsibilities.

Level 1

This is your entry level license earned by passing CAIB 1 or Fundamentals of Insurance. This license allows you to start working as a broker selling general insurance products.

Level 2

This license gives you the ability to work without supervision. You earn this by passing CAIB 2 and CAIB 3.

Level 3

To become a manager, you need to get your Level 3 license by passing the CAIB 4 insurance broker education course.

*The insurance broker education requirements in BC are pretty much the same as in Manitoba and Saskatchewan.

Insurance broker education in alberta

This province also follows a 3 step graduated license program with similar responsibilities to BC.

Level 1

The Alberta Insurance Council accredits course providers and creates a standard curriculum for all to follow. To get your Level 1 license in Alberta, you need to pass the Alberta Insurance Council Level 1 exam. The course required is the Alberta Level 1 General Insurance course.

Level 2

Similar to other provinces, the Level 2 license here allows you to work without supervision. You earn this license by completing the Alberta Level 2 General Insurance education program and exam.

Level 3

To run or manage your own brokerage in Alberta, you need to complete the Alberta Level 3 General Insurance education program and exam.

Insurance education in Ontario

Level 1

If you’ve read this far, you’ve surely spotted a pattern. To get your Entry Level 1 license in Ontario, you need to complete the RIBO 1 education program.

To become an insurance agent, you just need the OTL program.

Level 2

This license is called “Unrestricted Technical” and requires passing the RIBO 2 Unrestricted Technical exam with RIBO.

Level 3

To become a Principal Broker in Ontario, you need to complete the RIBO 3 Unrestricted Management educational program.

Jacques Wong is the CEO and Director of Education at PNC Learning. An award-winning licensed insurance broker with over 15 years of experience in both education and the insurance industry, Jacques is recognized for his expertise and effective communication strategies. He achieved the highest provincial scores on his CAIB* 3 and CAIB* 4 exams and contributes to leading insurance publications. Jacques is dedicated to making insurance knowledge accessible for everyone through his unique approach and online content.

Jacques Wong

 Jacques wong


The Best way to learn about our courses is to try them for yourself.




PNC Learning was started by insurance professionals for insurance professionals.

Our goal is to help you get a strong start in the industry and assist you as you seek to learn more and move up in the industry.