Registering for the OTL Exam

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

Given the current global health crisis, the Insurance Institute of Ontario is currently offering virtually proctored OTL exams.

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 normally run in person in chapter offices, but for now they are being held live in a virtual setting. 

If you prefer the flexibility of learning on your own, listening to recordings and some guidance from an instructor, then check out our recorded class.

What is the virtual exam experience like?

Virtual proctoring involves the installation of software on a candidate’s laptop/computer and use of a webcam, among other requirements. The virtual proctor will closely monitor candidate activity during the exam. This includes the candidate’s on-screen activity and off-screen behavior.

If the proctor notices any suspicious behavior during the exam, they will notify the Institute so they can take appropriate action. When the exam is done, a grade will be generated and provided to the Institute within 2 business days.

For more information on Virtual Proctored Exams, visit our Virtually Proctored Computer-based Examinations page.

Technical requirements:

Virtual proctoring has certain technical requirements. Please review the system requirements on our virtual proctoring page. You must ensure you can meet these requirements prior to registering.

When can I write my exam?

You should schedule your virtually proctored exam immediately after registration. Exam sittings start at various times during the day, 7 days a week, subject to proctor availability. The booking time is a 24-hour clock, so ensure you select the correct time you intend to write at. For instance, if you want to write at 2 pm, select 1400 hrs. Seats are booked on a first-come, first-served basis.

You will be able to book an exam date and time within the following exam windows, subject to proctor availability: 
October 4 - 22, 2021
November 1 - 22, 2021
November 29 - December 6, 2021
January 4 - 28, 2022
February 7 - 28, 2022
March 7 - 28, 2022

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

Our registration process has changed. Please review the following steps very carefully:

1. If you do not have one already, sign up for an Institute member ID. Write down this number as you will need it to complete the registration process.

2. Review and abide by the OTL Agent/Level 1 Examinations Rules and Regulations.

3. Review the Examination Policies and system requirements on our virtual proctoring page and determine whether you will be able to meet these specifications on your company issue or personal computer.

4. When you have completed the above 3 steps, complete the virtual registration linked below to review your personal details and process your payment, which is $225 + HST per attempt.

5. Once registration is complete and payment has been processed, you will receive an email with booking instructions to select your preferred exam date and time.

I've reviewed the instructions! Proceed to virtual registration

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 no later than 14 business days prior to your scheduled exam date. Full details are available on our website page, Students Requiring Accommodation.

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 (28%)

Insurance and risk concepts
Insurance contract/policy
- Ethics and professionalism

Automobile Insurance (33%)

Policy coverages, conditions and exclusions
Automobile Insurance Application
Statutory Conditions
- Commercial automobile insurance

Habitational Insurance (32%)

- Policy Coverage
Fire Statutory Conditions

Business Insurance (5%)

Business property insurance
- Business liability insurance

Claims (2%)

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

An exam grade will be generated within 2 business days of your exam.

If you are successful in your exam attempt:

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.

If you are unsuccessful:

You can register again for another examination.

There are several steps you can take to improve your results:
- Purchase the OTL self-study kit
- Register for a virtual OTL licensing class
- Obtain your OTL Exam Analysis to see how you performed on each of the 5 exam categories

I still have questions.

Our OTL Exams Frequently Asked Questions PDF may have the answer you're looking for.

Contact the OTL Exam Administrator: