Licensing Requirements

Requirements for Certification

How to get a license checklist

  1. Do you already have a CIPR number?
  2. What is CIPR?
  3. Did you pass the required exam within the previous 12 months?
  4. Or are you a non-resident who is currently licensed in your home jurisdiction for the same class of license you are applying for in Alberta?
  5. If you have not passed the required exam or if you are a non-resident who is not licensed in your home jurisdiction, please review the exam information here.
  6. Have you obtained a Criminal Record Check from BackCheck (remember to share with the AIC) or from your local police or RCMP detachment (you have scanned a hard copy as a PDF for uploading) that is not more than 3 months old?
  7. Do you have an errors & omissions policy that meets the terms and conditions approved by the Alberta Insurance Council? You must provide:
    • The name of your E&O carrier (insurance company).
    • Your E&O policy number.
    • The effective and expiry dates of your policy (your policy must be currently in force and cannot be expired).
  8. Do you have an employer (agency or sponsoring insurance company) that will be recommending your certificate(s) of authority? Sponsorship is mandatory to obtain a license.
  1. Businesses (agencies, brokerages, adjusting firms) and Designated Representatives must complete paper applications. On-line applications are not available at this time.
  2. If a license it to be issued in the name of a business and you are to be the “Designated Representative” (‘D/R’) to act for that business, in addition to the Form 1 application in which you apply as the D/R for Life, Accident & Sickness, or General insurance agent you must also submit a Form 6 application for the business to be issued a certificate of authority.
  3. All Form 1 and Form 6 applications to apply as an insurance agent must be recommended by the same insurer and by a person who has specifically been authorized by the Head Office to recommend agents for that insurer.
  4. The D/R of an adjusting firm must complete Form 3 (for the D/R) and Form 6 (for the business) applications. No recommendation is required.
  5. The D/R of a firm that adjusts losses limited to Hail, Travel, and Equipment Warranty must complete Form 9 (for the D/R) and Form 8 (for the business) applications. No recommendation is required.
  6. A Designated Representative of a business must:
    • Be an individual,
    • Subject to having established eligibility to qualify as the D/R for the class of license applying for, hold a certificate of authority that is of the same class as the certificate of authority held by the business, and
    • Have responsibility for the management and supervision of the business.
  7. If a business wishes to conduct insurance for Life, Accident & Sickness, and General as an insurance agent, the business must obtain a separate certificate of authority for each class of license it wishes to conduct business in, and have a D/R for the same class of insurance who meets the qualifications. Please refer to those specific requirements in the appropriate information tab.
  8. A business that no longer has a D/R must, within 14 days, submit the required application(s) for an individual who meets the qualifications to apply as the new D/R. If the business does not comply with this requirement, the certificate(s) for the business is automatically suspended in addition to any employees or independent contractors who are issued certificates to represent the business for the same class of license.
  9. Every business must provide proof of errors &omissions requirements that has been issued by a licensed insurer in Alberta and that meets the terms and conditions approved by the Alberta Insurance Council.
  10. If the business is a corporation or partnership, the corporation or partnership must provide proof that it is registered under the Alberta Business Corporations Act or under the Partnership Act, if applicable. You will be required to provide the Alberta Corporate Access Number.
  11. If the business is a non-resident, it must provide evidence that it is licensed as an insurance agent by the appropriate licensing authority in its home jurisdiction in the same name in which it is applying to be licensed in Alberta.
  12. If you are changing who the D/R is for the agency or if you are changing the recommending insurance company, the D/R must complete Form 1 and Form 6 applications for each class of agent license that are signed by an authorized person of your recommending insurer along with applicable fees.
  13. If you are changing who the D/R of an adjusting firm, Form 3 and 6 applications must be submitted along with applicable fees. No recommendation is required.
  14. If you are changing who the D/R of an adjusting firm that adjusts losses limited to Hail, Travel, and Equipment Warranty, Form 9 and 8 applications must be submitted along with applicable fees. No recommendation is required.
  15. The fees for Certificates of Authority as posted here.
  16. If you have already paid the full fee in the current licensing year any change to that class of license prior to May 1st in that year will only require a $25 fee payment.
  17. If a Certificate of Authority is issued, renewed, amended or reinstated on or after May 1st in a year but before July 1st of that year, it expires on June 30th of the following year.
  1. Applicants for Life and/or Accident & Sickness insurance must complete a separate application for each class of license where their application is recommended by a person who has specifically been authorized by the Head Office to recommend agents for that insurer. They may apply as:
      a) an employee of an insurer or
      b) an employee or independent contractor of a business.
  2. New applicants for “Life” or “Accident & Sickness” certificates are required to pass an examination within the previous 12 months before a license can be issued. Please review our FAQs about the Harmonized LLQP.
  3. All new applicants are required to obtain a Criminal Record Check from BackCheck (remember to share with the AIC) or from your local police or RCMP detachment that is not more than 3 months old.
  4. Examinations are not required for individuals who previously held, in Alberta, the same class of license being applied for within 24 months from the date the certificate was last held.
  5. Non-residents who are licensed in their home jurisdiction may be exempt from Alberta’s exam if they can demonstrate that they have passed an exam that is equivalent to Alberta’s approved exam. If license status confirmation can be obtained from the web site of the licensing authority in your home jurisdiction, a non-resident endorsement will not be required.
  6. If the license is to be issued in the name of a business (agency/brokerage), the agency must be licensed in Alberta before you may apply to represent that agency. You must comply with the requirement of the Alberta Insurance Act that you carry on business in Alberta in the business name in which you are licensed.
  7. If you are applying to represent a business, your certificate must be recommended by the same insurer that has recommended the certificate for the same class of license for the business.
  8. If you wish to represent more than one business, the Insurance Act requires that you obtain a separate insurance agent’s certificate for each business that you wish to represent. All Life certificates that you hold must be recommending by the same life insurance company. You will be required to comply with the duty of disclosure requirement set out in section 491 of the Insurance Act.
  9. You may not be issued an insurance agent’s certificate as a direct employee of an insurer and also be issued another insurance agent’s certificate for the same class of license to represent a different insurer or business.
  10. Every individual must include a copy of the Errors & Omissions certificate that has been issued by a licensed insurer in Alberta and that meets the terms and conditions approved by the Alberta Insurance Council. An individual applying as an employee of a licensed insurer is exempt from the E&O requirement.
  11. If the contract with your company has been cancelled or if you cease to be with an agency and your company and/or agency has notified the Alberta Insurance Council, your certificate(s) will be suspended. If you wish to re-apply you must submit the applicable application(s) along with appropriate fees. You will not be authorized to act as an insurance agent until a new certificate is issued.
  12. If you need to change your recommending insurance company or the agency that you represent, you must complete the applicable application(s) along with appropriate fees.
  13. The fees for Certificates of Authority as posted here.
  14. If you have already paid the full fee in the current licensing year any change to that class of license prior to May 1st in that year will only require a $25 fee payment.
  15. If a Certificate of Authority is issued, renewed, amended or reinstated on or after May 1st in a year but before July 1st of that year, it expires on June 30th of the following year.
  1. Applicants for General insurance licenses may apply as:
      a) an employee of an insurer and be recommended by a person who has specifically been authorized by the Head Office to recommend agents for that insurer or
      b) an employee or independent contractor of a business and be recommended by the licensed Designated Representative.
  2. New applicants for a “General” certificate are required to pass an examination within the previous 12 months before a license can be issued. Please review our FAQs about the General insurance examinations.
  3. All new applicants are required to obtain a Criminal Record Check from BackCheck (remember to share with the AIC) or from your local police or RCMP detachment that is not more than 3 months old.
  4. Examinations are not required for individuals who previously held, in Alberta, the same class and level of license being applied for within 24 months from the date the certificate was last held.
  5. Non-residents who are licensed in their home jurisdiction may be exempt from Alberta’s exam if they can demonstrate that they have passed an exam that is equivalent to Alberta’s approved exam. If license status confirmation can be obtained from the web site of the licensing authority in your home jurisdiction, a non-resident endorsement will not be required.
  6. If the license is to be issued in the name of a business (agency/brokerage), the agency must be licensed in Alberta before you may apply to represent that agency. You must comply with the requirement of the Alberta Insurance Act that you carry on business in Alberta in the business name in which you are licensed.
  7. If you wish to represent more than one business, the Insurance Act requires that you obtain a separate insurance agent’s certificate for each business that you wish to represent. You will be required to comply with the duty of disclosure requirement set out in section 491 of the Insurance Act.
  8. You may not be issued an insurance agent’s certificate as a direct employee of an insurer and also be issued another insurance agent’s certificate for the same class of license to represent a different insurer or business.
  9. The Errors & Omissions policy must be issued by a licensed insurer in Alberta that meets the terms and conditions approved by the Alberta Insurance Council and must be issued in the name of the business and provide coverage for the employees and independent contractors of the business who hold certificates of authority. An individual applying as an employee of a licensed insurer is exempt from the E&O requirement.
  10. You may apply for the following levels of General insurance certificates:
  11. Probationary General certificate that permits an agency or insurer to engage a new person to act as an agent prior to completing the Level 1 agent exam. The probationary agent must act under the direct supervision of a Level 2 or Level 3 agent and the certificate expires in 90 days if the agent does not advance to a Level 1 license by passing the required exam. It can only be issued once for any individual.
  12. General Level 1 certificate when the individual has passed the required Level 1 exam. Holders of a Level 1 certificate are subject to the ongoing supervision of the holder of a Level 2 or Level 3 certificate in accordance with standards established by the Level 3 or by the insurer if the agent is an employee of the insurer.
  13. General Level 2 certificate when the individual has passed the required Level 2 exam within the previous 12 months.
  14. General Level 3 Designated Representative (‘D/R’) certificate when the individual has, within the previous 36 months, held a General level 2 certificate for a period of at least 24 months and has, within the previous 12 months, passed the General level 3 exam.
  15. If the contract with your company has been cancelled or if you cease to be with an agency and your company or agency has notified the Alberta Insurance Council, your certificate(s) will be suspended. If you wish to re-apply you must submit the applicable application(s) along with appropriate fees. You will not be authorized to act as an insurance agent until a new certificate is issued.
  16. If you need to change your recommending insurance company or the agency that you represent, you must complete the applicable application(s) along with appropriate fees.
  17. The fees for Certificates of Authority as posted here.
  18. If you have already paid the full fee in the current licensing year any change to that class of license prior to May 1st in that year will only require a $25 fee payment.
  19. If a Certificate of Authority is issued, renewed, amended or reinstated on or after May 1st in a year but before July 1st of that year, it expires on June 30th of the following year.
  1. Applicants for an Adjuster’s insurance license may apply as an employee or independent contractor of a business and be recommended by the licensed Designated Representative of a licensed adjusting firm.
  2. New applicants for an Adjuster’s certificate (other than restricted “Hail, Equipment Warranty, and Travel Adjusters) are required to pass an examination within the previous 12 months before a license can be issued. Please review our FAQs about the Adjuster examination.
  3. All new applicants are required to obtain a Criminal Record Check from BackCheck (remember to share with the AIC) or from your local police or RCMP detachment that is not more than 3 months old.
  4. Examinations are not required for individuals who previously held, in Alberta, the same class and level of license being applied for within 24 months from the date the certificate was last held.
  5. Non-residents who are licensed in their home jurisdiction may be exempt from Alberta’s exam if they can demonstrate that they have passed an exam that is equivalent to Alberta’s approved exam. If license status confirmation can be obtained from the web site of the licensing authority in your home jurisdiction, a non-resident endorsement will not be required.
  6. If the license is to be issued in the name of a firm, the adjusting firm must be licensed in Alberta before you may apply to represent that firm. You must comply with the requirement of the Alberta Insurance Act that you carry on business in Alberta in the business name in which you are licensed.
  7. If you wish to represent more than one business, the Insurance Act requires that you obtain a separate Adjuster’s certificate for each business that you wish to represent.
  8. Individuals who are direct employees of a licensed insurance company are not required to become licensed as an adjuster in Alberta.
  9. The Errors & Omissions policy must be issued by a licensed insurer in Alberta that meets the terms and conditions approved by the Alberta Insurance Council and must be issued in the name of the business and provide coverage for the employees and independent contractors of the business who hold certificates of authority.
  10. You may apply for the following levels of Adjusters’ certificates:
    • Adjuster Level 1 certificate when the individual has passed the required Level 1 exam.
    • Adjuster Level 2 certificate when the individual has at least 24 months of consecutive claims adjusting experience and has successfully completed 6 courses of the Insurance Institute of Canada for a designation as an Associate of the Insurance Institute of Canada, of which one course must be C-15 (Loss Adjustment and Claims Settlements), C-17 (Claims 1), or C-110 (Essentials of Loss Adjusting), or courses that are equivalent.
    • Adjuster Level 3 Designated Representative (‘D/R’) certificate when the individual has met the level 2 requirements and:
      • Is an Associate or Fellow of the Insurance Institute of Canada, or Chartered Insurance Professional or a Fellow Chartered Insurance Professional;
      • Has successfully completed the C-32 (Bodily Injury Claims) and either C-46 (Claims 2), C-41 (Property Loss Adjustment), or C-111 (Advanced Loss Adjusting) courses of the Insurance Institute of Canada, or courses that are equivalent; and
      • Has acted as an adjuster for at least 60 months within the 10-year period immediately preceding the date of application.
  1. Applicants with more than 10 years insurance adjusting experience prior to 1990 and who is not an Associate or Fellow of the Insurance Institute of Canada should contact the Council for further instructions.
  2. All individuals holding Levels 1 and 2 Adjusters’ Certificates may only act as an adjuster if the individual is subject to the direct supervision of a holder of a Level 3 adjuster’s certificate of authority. A business that acts or offers to act as an adjuster and operates from more than one office must have in each office at least one adjuster who holds a level 2 adjuster’s certificate of authority.
  3. If you cease to be with an adjusting firm and your firm has notified the Alberta Insurance Council, your certificate(s) will be suspended. If you wish to re-apply you must submit the applicable application(s) along with appropriate fees. You will not be authorized to act as an adjuster until a new certificate is issued.
  4. If you need to change the name of the firm that you represent, you must complete the applicable application(s) along with appropriate fees.
  5. The fees for Certificates of Authority as posted here.
  6. If you have already paid the full fee in the current licensing year any change to that class of license prior to May 1st in that year will only require a $25 fee payment.
  7. If a Certificate of Authority is issued, renewed, amended or reinstated on or after May 1st in a year but before July 1st of that year, it expires on June 30th of the following year.

The Minister has delegated the responsibility for the licensing of businesses for restricted insurance agents’ certificates of authority in the Province to the Alberta Insurance Council.

Each business that intends to market each of these types of insurance must hold a Certificate of Authority authorizing the business, through its employees, to transact that type of insurance. The Certificate of Authority must name one individual who will be the “Designated Individual” for the business to be responsible for receiving notices and other documents under the Insurance Act. Businesses that may apply for a restricted certificate to engage in the sale of these types of insurance include:

  • Deposit Taking Institutions
  • Transportation Companies
  • Travel Agencies
  • Automobile Dealerships
  • Other Prescribed Enterprises including:
    • Sales Finance Companies
    • Customs Brokers licensed under the Customs Act (Canada)
    • Freight-Forwarding Companies
    • Equipment Dealers
    • Real Estate Brokerages
    • Funeral Services Businesses

List of Classes or Types of Insurance approved for purpose of section 454.

 

  1. Businesses applying for a restricted certificate must complete a paper application. On-line applications are not available at this time.
  2. Each Designated Individual must obtain a CIPR number. The Designated Individual must submit a separate Form #5 application for each type of insurance that the business will engage in. The application must be “recommended” by a person who has specifically been authorized by the Head Office of an insurer that is licensed to transact that type of business in Alberta.
  3. If the business is a corporation or partnership, the corporation or partnership must provide proof that it is registered under the Alberta Business Corporations Act or under the Partnership Act, if applicable. You will be required to provide the Alberta Corporate Access Number.
  4. Every business must include a copy of the Errors & Omissions certificate that has been issued by a licensed insurer in Alberta and that meets the terms and conditions approved by the Alberta Insurance Council.
  5. If you are changing who the Designated Individual is for the business or if you are changing the recommending insurance company, the Designated Individual must complete a Form 5 application for each class of license being amended that are signed by your recommending insurer along with applicable fees. The individual who is replacing the previous Designated Individual must obtain their own CIPR number.
  6. If the Designated Individual has left, you must immediately replace that individual by completing the required application.
  7. The fees for Certificates of Authority as posted here.
  8. If you have already paid the full fee in the current licensing year any change to that class of license prior to May 1st in that year will only require a $25 fee payment.
  9. If a Certificate of Authority is issued, renewed, amended or reinstated on or after May 1st in a year but before July 1st of that year, it expires on June 30th of the following year.