Your New Career in Life Insurance
Who is this course for?
You want a new career with low startup costs and high income potential.
You’re a career changer looking for flexible, remote work options.
You're interested in helping others protect their families and future.
You’re motivated to work independently or build your own business.
You want to get licensed fast, with full support along the way.
Details
HLLQP Full Program (Except Quebec)
Overview
This FSRA-approved course prepares you to become a licensed life insurance agent in Canada. Designed for flexibility, it can be completed fully online, at your own pace or through optional live instruction.
Course Length: Approximately 80 hours. Most students complete it in 2–3 weeks.
Format: Self-paced online access, with options to join live webinars or in-class sessions.
Practice Exams: Unlimited, with instant feedback.
Certification Exams: Four modules, each with up to four attempts. Passing grade: 60%.
Enrollment Period: 12 months of access from registration.
Language: English.
This course is your first step toward becoming a licensed life insurance agent. Learn more about the licensing process by clicking here.
Prerequisites for the HLLQP Online Course
The HLLQP Online Course is open to anyone. However, we recommend that you have at least a high school education and equivalent English or French language and math skills to succeed in the course.
Prerequisites for Licensing in Ontario
After completing the HLLQP course and passing all certification exams, you must meet the following licensing requirements set by the Financial Services Regulatory Authority of Ontario (FSRA) to become a licensed life insurance agent:
- Be sponsored by a licensed insurer for your first two years as an agent.
- Complete the online Life Insurance Agent application through Licensing Link and pay the required fee.
- Conduct business only under the name in which you are licensed, and act in good faith as a life insurance agent.
- Not engage in any business or occupation that could compromise your integrity, independence, or competence.
- Be of good character and reputation.
- Be a suitable person to receive a licence and meet all regulatory requirements.
- Successfully complete a FSRA-approved HLLQP course and pass the certification exams.
- Provide FSRA with a valid Ontario mailing address.
- Maintain appropriate Errors and Omissions (E&O) insurance coverage.
Curriculum
Life Insurance
Understand the foundations of life insurance, including policy types, needs analysis, and how insurance fits into a client’s financial plan.
View table of contents →
Taxation Principles
Learn how taxation applies to life insurance products, including premiums, death benefits, and tax-sheltered growth.
View table of contents →
Segregated Funds
Explore how segregated funds work, how they differ from mutual funds, and their use in insurance-based investing.
View table of contents →
Ethics and Professional Practice
Master the ethical responsibilities and professional standards required of licensed agents in Canada.
View table of contents →
Accident and Sickness
Understand accident and sickness policies, critical illness coverage, disability plans, and how to assess client needs.
View table of contents →
About the Certification Exams
To earn your HLLQP certification, you must pass four separate online exams—one for each core module of the course. These exams are required before you’re eligible to write the provincial licensing exam.
Exam Format: Online, proctored exams with webcam and microphone required.
Number of Exams: 4 exams covering:
- Life Insurance
- Segregated Funds
- Ethics and Professional Practice
- Accident and Sickness
Question Type: Multiple choice
Time Limit: 75 minutes per exam
Number of Questions:
– Life Insurance, Segregated Funds, and Accident and Sickness: 30 questions each
– Ethics and Professional Practice: 20 questions
Passing Grade: 60% per module
HLLQP Instructors
Don Xavier
HLLQP Instructor
Don is a 35+ year financial services veteran, TEDx speaker, and CEO with a passion for training licensed professionals.
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Damian Borges
HLLQP Instructor
Damian has 30 years of experience in sales, advanced marketing, and education within the life insurance industry.
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Rohan Singh
HLLQP Instructor
Rohan is a retired life insurance executive and business professor with 30+ years in product development and distribution.
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Akinyemi John
HLLQP Instructor
Akinyemi is a certified risk management expert with deep experience in both life and property & casualty insurance.
Read more
Pricing
HLLQP Full Program (Except Quebec)
Self-paced learning for independent, motivated learners
$348 CAD
Unlimited Live
Ideal for learners who prefer interactive, instructor-led sessions
$498 CAD
All Access +
Our most comprehensive HLLQP career bundle to maximize your success
$998 CAD
What real REMIC graduates are saying
Thousands of ⭐⭐⭐⭐⭐ ratings by real professionals across Canada
REMIC’s GuaranteedPass™
Zero Risk.
Your Success, Secured.
If you don’t pass your provincial licensing exams,
you can re-take the course for free.
12-Month Protection
Re-enroll anytime within a year.
Bonus Live Webinars
Expert-led sessions, always free.
Real Support
We guide you all the way to licensing.
Popular FAQs
- Pass the course (HLLQP) – This qualifies you to write the 4 provincial licensing exams.
- Pass the Exams – These are in the same format as the certification exams.
- Get Sponsored – Many brokerages are looking for motivated new life agents.
- Get licensed – The life insurance company will apply to the regulator.
93% Pass Rate: In the last two years approximately 93% of REMIC students have went on to pass the licensing exams!
Fanatical Service: All of our support team members are subject matter experts and are empowered to make decisions on your behalf right away!
50% Tuition Rebate: Thanks to the Canadian federal government Canada Tax Credit (CTC). Click for more.
Regulator Approved: Approved by national and provincial regulators, including FSRA, CISRO, CIPR, HRSDC.
Join over 90,000 REMIC students
Harmonized Life License Qualification Program:
Online Self study
Textbooks Are Shipped Canada Post Priority And Arrive Within 2 – 3 Business Days.
Master the material at your own pace with flexible, self-paced learning.
- ✔ Instant online access
- ✔ Digital textbook (PDF)
- ✔ Unlimited practice exams
- 📌 Study Time: 80 hours
- 📌 Enrollment Period: 1 year
Harmonized Life License Qualification Program:
Live Webcast
Textbooks Are Shipped Canada Post Priority And Arrive Within 2 – 3 Business Days.
No courses available for the selected criteria.
Harmonized Life License Qualification Program:
Live Webcast IN-CLASS ($445)
REMIC offers a in-class registration (courses) designed to meet the varying needs of our students who prefer the in-class experience. All courses run Monday to Friday from 9:30 AM – 4:00 PM. Perfect if want to complete the course quickly and can commit a full week.
Textbooks Are Provided During Class.
No courses available for the selected criteria.