Licensing

Complete the required training, exams, and regulatory steps.

Licensing FAQs

1. How long do I have to get sponsored once I pass my LLQP?

The LLQP is made up of four separate modules (exams)
Agents have one year from the date of their first successful exam ("Pass") to get contracted and attain initial life license sponsorship through your provincial insurance council
If the agent is not contracted and sponsored before the first pass date, the agent will have to re-write ALL FOUR LLQP modules

Example

Jennifer passed her exams on the following dates:

Module	Date	Pass/Fail
Accident & Sickness	April 3, 2025	Pass
Segregated Funds & Annuities	July 17, 2025	Pass
Ethics & Professional Practice	December 13, 2024	Pass
Life Insurance	February 22, 2025	Pass

a. What is the first pass date?

December 13, 2025.

b. When must Jennifer get contracted and sponsored by?

December 12, 2025.

c. What if Jennifer does not get sponsored before December 12, 2025?

If Jennifer does not successfully contract with an MGA and attain sponsorship, Jennifer will need to rewrite ALL of the LLQP exams, not only the one that has expired.

This is important to know when recruiting! Always check your new recruits' first pass date. Typically it takes nearly 2 months for a new life agent to get contracted and sponsored. Make sure your recruits have enough time to successfully complete the process.

2. How long do I require sponsorship?

Varies depending on province; please ensure to verify with your province of residence (primary license)
Most provinces require new life agents to be sponsored for the first 2 years (24 months) of contracting
Note: some provinces require license sponsorship for the lifetime of the license (often referred to as an attached license)
In British Columbia, New License Sponsorship is called "Supervision"; the agent will need to be supervised by another agent that meets supervision requirements for 24 months.

3. What is a primary license?

Each agent must FIRST attain a life license in their primary province of residence as per your government issued ID – that provincial license is called your primary license
If an agent does not have a life license in the province where they live, they cannot sell insurance until they are licensed in their province of residence. Any previously held licenses will be "inactive" in their respective insurance councils until the primary license is approved
If an agent was actively licensed and moves to a new province, they will need to attain a new residential license in the new province.
Agents can apply for licenses in other provinces; this is called a non-resident license. There are certain requirements and conditions to do this depending on the province.

Example

Dennis has a life license in British Columbia, Ontario, Manitoba and New Brunswick. Dennis used to live in Alberta but recently moved to Saskatchewan.

What is Dennis's primary license? Saskatchewan

Can Dennis sell insurance products? No, Dennis needs to apply for a resident license in Saskatchewan before he can sell insurance and reactivate his other licenses.

4. I was sponsored before at another company, do I still need to be sponsored?

Most provinces require agents to receive sponsorship/supervision for 24 months
Notice, it is not "2 years", rather 24 months. Sometimes agents begin the process but choose to leave the industry before the 24 months is complete
The agent must be contracted and sponsored for a total of 24 months to complete the sponsorship/supervision requirement
If the advisor resigns or changes MGAs during that period and therefore does not complete all 24 months consecutively, the sponsorship period will be more than 2 years