RIBO 3 Study Guide (Unrestricted Management)

First of all, congratulations on making it this far in your career as an insurance broker.  In Ontario, you need to pass the RIBO 3 – Unrestricted Management exam to get your Level 3 license.  This is the last licensing level and it’s a big one.  Getting this license enables you to manage or start your own brokerage (to be a principal broker or “nominee”).

Unlike the previous exams which focused on technical insurance concepts, this exam focuses on the skills and knowledge needed to run a successful insurance brokerage.

With an exam this important, you should go in feeling confident and as prepared as you can possibly be to make sure you pass it in 1 attempt.

Who needs this RIBO 3 Study Guide?

Our RIBO 3 Study Guide is based on our CAIB 4 book and is designed for busy insurance brokers and contains everything you need to know to ace your exam.  We’ve taken everything you need to know and condensed it down into 53 easy to understand pages to help you pass the exam faster.  We explain complex concepts in plain language and add examples to really help you retain and understand the information.

And because practice makes perfect, a free set of practice questions are also included with your purchase to help you evaluate your weaknesses and get you used to the style of questioning you’ll face during the real thing.

Topics covered in this study guide:

  1. Making Plans
  2. Organizing an Insurance Brokerage
  3. Human Resources Management
  4. Leadership
  5. Sales & Marketing
  6. Broker-Insurer Relationships
  7. Broker-Client Relationships
  8. Financial Management
  9. Using Technology
  10. Monitoring & Oversight
  11. RIB Act and Regulations
  12. RIBO Form 1 (Financial Statement)

Track Record

"I took your courses and passed 3 exams in 4 weeks!  I was listening to your lectures repeatedly on mobile and they were so easy to remember. You explain things very well and your notes really distilled all the info in so few pages. Thank you for making my certification process so short and easy." - Rocky G CAIB (The Co-operators) (Courses Taken: Fundamentals/CAIB 1, CAIB 2, CAIB 3, & CAIB 4) "PNC Learning is a great learning tool.  It is well organized and laid out and really expedites the time required to learn the material.  Jack is very quick to respond to any questions.  I was able to pass my first 3 CAIB exams in a very short time.  I would recommend PNCL to anyone taking the CAIB's"  -Clayton Canart, MB  (Courses Taken: CAIB 1, 2, 3 & 4)
"I passed the exam!  Thanks for your help, I don't think I could have done it otherwise."  - Paul S (InsureBC)  (Courses Taken: CAIB 2, 3 & 4) "I wrote the RIBO 2 this week and passed with 83% and I write the CAIB 4 on Dec 5th.  I listened to your audio and they were a big help."  - Suzanne O Whitby ON

Request a copy ($99)

Request a FREE sample

Discounts given if purchasing RIBO 1 & 2 notes as well.

RIBO 1 Notes & RIBO 2 Notes are also available.

We offer secure payment

We accept the following payment methods:


Check our FAQ

Need Help?

Email us at: