Registering for the OTL Exam

Do I need to write the OTL exam?

The Agents Licence is required by agents who deal directly with the public and are employed by direct-response insurers servicing Ontario.

Passing the ‘Other Than Life’ (OTL) licensing exam is just one of the requirements needed to receive the Agents Licence. Applicants must also be sponsored by an insurer, among other requirements. As per FSCO’s guidelines, candidates are not required to be sponsored by an organization when they write the exam, however, candidates must obtain a sponsor and apply for the licence within one year from the date of passing the exam, otherwise they will be required to re-write and pass the exam.

You may not need to write this exam if:
- If you have a Chartered Insurance Professional (CIP) designation (contact FSCO 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 us. 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 FSCO. They may be reached at 416-250-7250 or via email

How can I prepare for the OTL exam?

To help you prepare, the Insurance Institute offers an Ontario Agents Licensing kit and web-based tutorial that cover the exam topics in detail. 

Purchase Agents Licensing Kit


In addition to purchasing the licensing kit and tutorial, students may also wish to enroll in an in-person or recorded (online) licensing class. Coupled with the licensing kit, our classes offer the very best chance for success in the exam.

Upcoming In-Person Licensing Classes

Purchase Recorded Class (90 day Unlimited Access)

How do I register for an OTL 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 seven (7) 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.

You will receive a receipt via email that contains your exam information,including the location, time and what to bring.

By submitting the Exam Registration Form, you agree that you have read and understand the OTL Exam Rules and Regulations.

OTL Exam Registration Form [PDF Download] 


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 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?

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 licensing 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 licensing 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:

Category Sub-category

Industry Knowledge (30%)

- Ethics and Professionalism
- Claims
- Insurance and Risk Concepts
- Insurance Contract

Automobile Insurance (33%)

- Policy coverages, conditions and exclusions
- Automobile Insurance Application
- Endorsements
- Statutory Conditions

Habitational Insurance (32%)

- Policy Coverage
- Endorsements
- Fire Statutory Conditions
- Liability

Commercial Property & 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 Exam, now what?

The Institute will share your passing grade with FSCO 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 click here.


Contact our Member Services Team or get in touch with your local Chapter manager.