Your New Career in Life Insurance
Join 90,000+ students and see why REMIC is rated ⭐⭐⭐⭐⭐ by real graduates
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.
Read more
Damian Borges
HLLQP Instructor
Damian has 30 years of experience in sales, advanced marketing, and education within the life insurance industry.
Read more
Rohan Singh
HLLQP Instructor
Rohan is a retired life insurance executive and business professor with 30+ years in product development and distribution.
Read more
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)
Flexible Online
Core content for HLLQP learners who want structure without live sessions
$348 CAD
Live Online Classes
Unlimited Live for HLLQP learners who want interactive, instructor-led sessions
$498 CAD
All Access +
Our most comprehensive HLLQP career bundle to maximize your success
$598 CAD
SMART Learning Esstentials™
Included in every plan — a complete learning system designed to help you understand, apply, and pass.
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.
What’s Included
If you don’t pass the licensing exams, re-enroll free within 12 months. Zero risk.
All 4 mandatory proctored HLLQP certification exams included — no extra fees.
1 day monthly live review (9–5 EST) focused on exam-critical topics with Q&A.
24/7 in-course tutor — ask questions in plain language and get guided help.
Exam-style practice with video context and instant feedback to close knowledge gaps.
Engaging instructor-led modules with built-in checks for understanding.
Direct-message instructors; replies within 24 hours so you’re never stuck.
Personalized strengths & improvement areas after attempts.
Full-length practice exams for each module to test readiness.
Official HLLQP e-textbook with instant online access.
Quick MCQs after each chapter to reinforce key concepts.
Debate, share, and clarify with peers and instructors.
Key terms and definitions plus gamified tools like crosswords and flashcards.
What’s Included
Join any live class session, as often as you like. Runs twice per month: 5-day weekday bootcamps and 2-weekend formats.
Replays of all live classes on demand — perfect for review or if you miss a session.
Ask questions and get real-time answers during live Q&A.
If you don’t pass the licensing exams, re-enroll free within 12 months. Zero risk.
All 4 mandatory proctored HLLQP certification exams included — no extra fees.
1 day monthly live review (9–5 EST) focused on exam-critical topics with Q&A.
24/7 in-course tutor — ask questions in plain language and get guided help.
Exam-style practice with video context and instant feedback to close knowledge gaps.
Engaging instructor-led modules with built-in checks for understanding.
Direct-message instructors; replies within 24 hours so you’re never stuck.
Personalized strengths & improvement areas after attempts.
Full-length practice exams for each module to test readiness.
Official HLLQP e-textbook with instant online access.
Quick MCQs after each chapter to reinforce key concepts.
Debate, share, and clarify with peers and instructors.
Key terms and definitions plus gamified tools like crosswords and flashcards.
What’s Included
A printed hard copy of the official HLLQP textbook shipped to your door.
3-hour live workshop on branding, networking, and planning your first 30 days as an agent.
Continuing education credits included so you’re ahead of requirements after licensing.
Join any live class session, as often as you like. Runs twice per month: 5-day weekday bootcamps and 2-weekend formats.
Replays of all live classes on demand — perfect for review or if you miss a session.
Ask questions and get real-time answers during live Q&A.
If you don’t pass the licensing exams, re-enroll free within 12 months. Zero risk.
All 4 mandatory proctored HLLQP certification exams included — no extra fees.
1 day monthly live review (9–5 EST) focused on exam-critical topics with Q&A.
24/7 in-course tutor — ask questions in plain language and get guided help.
Exam-style practice with video context and instant feedback to close knowledge gaps.
Engaging instructor-led modules with built-in checks for understanding.
Direct-message instructors; replies within 24 hours so you’re never stuck.
Personalized strengths & improvement areas after attempts.
Full-length practice exams for each module to test readiness.
Official HLLQP e-textbook with instant online access.
Quick MCQs after each chapter to reinforce key concepts.
Debate, share, and clarify with peers and instructors.
Key terms and definitions plus gamified tools like crosswords and flashcards.