Registering for the OTL Exam

Please note: Licensing exams have been suspended for the time being due to the COVID-19 situation. For enquiries, please email


Before applying for your general insurance agent licence in Ontario, you must successfully pass a qualifying exam known as the ‘Other Than Life (OTL) Agent’s Exam’. 

Passing the ‘Other Than Life’ (OTL) Agent’s Exam is just one of the requirements needed to receive the Agents Licence. Applicants must be sponsored by a licensed insurer, among other requirements. For more information on the requirements to become a general insurance agent in Ontario, please visit

Do I need to write the OTL Agent's Exam?

You may not need to write this exam if:

- If you have a Chartered Insurance Professional (CIP) designation (contact FSRA for more information)
- If you hold a licence from another province or territory (visit our equivalency page for more information)

If you have any questions about the exam, please contact the OTL Agent's Exam Administrator at If you have any questions about applying for an Agents Licence, licence cost, lapsed licences, or any other enquiries related to agents licensing, please contact FSRA

How can I prepare for the OTL Agent's Exam?

We have a number of options to help you prepare for the exam.  The study kit forms the basis of your knowledge and is strongly recommended for all learning options (including in-class and online classes).

If you prefer to learn on your own and set your own pace, then check out the study kit and online tutorial. You can work through the textbooks and use the questions in the tutorial to check your knowledge working independently at your own pace.

If you prefer to learn in a classroom setting with an instructor, then check out our in-class* learning options. These are run by our local chapter offices in a variety of formats that may include weekday or weekend sessions.

If you prefer the flexibility of learning on your own, listening to recordings and some guidance from an instructor, then check out our facilitated online learning class*. It combines instructor-recorded lessons with study sessions that include your peers and an instructor.

How do I register for the OTL Agent's Exam?

To register, please complete the OTL exam registration form (linked below), including your credit card information, and send it to the Insurance Institute of Ontario by either fax or mail.

Fax:    (416) 362-8081

Mail:   Attn: OTL Administrator
Insurance Institute
18 King St. E., 16th floor
Toronto, ON
M5C 1C4

For exams in Toronto, the registration form must be received by 10 a.m. on the business day prior to the exam. For exams occurring outside of Toronto, exam registration requests must be received no later than three (3) business days prior to the exam**. We may require up to ten (10) business days' notice for exam locations that do not have an Insurance Institute chapter office (for chapter locations, click here). We cannot accept late requests to write the exam. Please note that exam seats are limited and requests are processed based on availability.

** Additional processing time is required if special accommodations are requested. Please see below section 'What if I require special accommodations?' for more information.

Please refer to the exam schedule below:

- Toronto: OTL exams are held every Monday and Wednesday at 9 a.m., excluding holidays
- Outside Toronto: OTL exams are typically held on the third Monday of each month at Chapter offices (located in Hamilton, London, Ottawa and Kitchener).  Exams may be arranged at other locations, please contact for more information.

Please note: Licensing exams have been suspended for the time being due to the COVID-19 situation. For enquiries, please email

Cancellation Policy: The OTL examination fee is non-refundable. Students wishing to reschedule their Other Than Life (OTL) agent's exam will be subject to an administration fee of $20 plus HST. You may reschedule your exam until noon on the day of the scheduled exam. Failure to appear for a scheduled OTL exam will result in forfeiture of all exam fees.

What if I require special accommodations for my OTL Agent's Exam?

The Insurance Institute of Ontario provides reasonable accommodations to individuals who have documented disabilities (physical, mental or learning disabilities). To receive special accommodation for your exam, please email to request a special accommodations form. This form must be completed and submitted (10) business days before the examination.

What do I bring to the exam?

This is a paper-based exam. On the day of your exam, please arrive prepared with:
- A copy of your exam confirmation/receipt
- A pencil and pen
- An eraser
- Non-programmable calculator
- Government-issued photo identification (e.g. passport, driver's licence or provincial identification card) * Health Cards are not an acceptable form of ID

What can I expect during the exam?

The exam is two (2) hours long and is based on learning objectives and content provided in the Insurance Institute's study kit, which is available for purchase here. You must obtain a minimum of 75% on the exam to pass. Study aids cannot be used during the exam.

The exam consists of 100 multiple-choice questions divided into the following categories and sub-categories. Once you have your study kit, pay close attention to the learning objectives in each study, as the exam questions are based on these. Also, ensure that you are familiar with multiple choice questions and how they need to be answered:

Industry Knowledge (30%)

Ethics and professionalism
Insurance and risk concepts
Insurance concepts

Automobile Insurance (33%)

Policy coverages, conditions and exclusions
Automobile Insurance Application
Statutory Conditions

Habitational Insurance (32%)

- Policy Coverage
Fire Statutory Conditions

Commercial Property and Liability Insurance (5%)

Commercial General Liability
Commercial Property

Students wishing to write the exam outside of Toronto will receive their grades within 2-3 business days.

Please review the full list of OTL Examination Rules and Regulations prior to your exam date.

Late arrivals policy: Students may enter the exam up to 30 minutes after the exam commences, however, no additional time will be given. Any student arriving after that time will be required to reschedule for a fee of $20 plus HST.

I've passed my OTL Agent's Exam, now what?

The Institute will share your passing grade with FSRA so you can proceed with the steps necessary to receive your agent licence. The Institute does not participate in the OTL Agent licensing process beyond the exam.

Once you receive your OTL Agent Licence, you are eligible to apply to the Insurance Institute of Ontario to receive credit for C11: Principles and Practice of Insurance, one of the 10 courses in the CIP program. The CIP is the benchmark of professionalism for individuals starting out or building a career in insurance. The designation has many benefits, including:

- Keeps you updated on industry trends
- Allows you to network with others in the industry
- Elevates your knowledge to serve your customers
- Leaders value the designation

For more information on how to receive credit for C11: Principles and Practices of Insurance with your OTL Agent Licence, please visit the Provincial Agent/Broker Insurance Licence Credit page.

I still have questions.

Contact the OTL Exam Administrator: