This course is designed for students interested only in accident and sickness products. IFSE offers study tools to help students succeed on their provincial licensing exams. IFSE will guide students through the regulator’s course material, helping them break down complex concepts and providing them with the knowledge and skills to build a solid foundation as an insurance professional.

Certification Process

Licensing is a two-step process. First, you must enrol with an approved course provider such as IFSE Institute and register on the Canadian Insurance Participant Registry (CIPR). The IFSE program requires you to successfully pass a series of online exams within the enrolment period to complete the certification process. The number of exams you must complete is dependent on the license you wish to pursue and where you plan to practice. Upon successful completion, IFSE will update your information on CIPR qualifying you for your licensing exams.

The second step is to register for your licensing exams through your provincial insurance regulator. Again, the number of exams you must complete is dependent on the license you wish to pursue and where you plan to practice. In general, you will have one year to pass all your exams. Contact the insurance regulator in your province for more information.

Don’t see the course offering you need? Questions? Contact

Tools and Pricing

Select one of the following course offerings.

1. A&S (Common Law)

For students who want to be licensed in a province/territory that is not Québec.
Tools and Pricing
Course Price $185
Printed Textbook $60
Printed Study Guide $50

2. A&S (Civil Code)

For students who want to be licensed in Québec only.
Tools and Pricing
Course Price $185
Printed Textbook $60
Printed Study Guide $50

3. A&S (Canada)

For students who want to be licensed in a province/territory + Québec.
Tools and Pricing
Course Price $185
Printed Textbook $90
Printed Study Guide $75

Course Structure

The CISRO/OCRA manuals contain the core course material covering the topics of each module. They are available online as PDFs.

Questions relating to these manuals will be forwarded to the insurance regulators and we will reply upon receiving a response.

  • The audio lessons are designed so that you can use them even before reading the course content.
  • Listen to a trainer explain the core products in easy-to-understand language, and make notes in the printable workbook.
  • In less than three hours, you can have a base knowledge of the main insurance products, which will make the course readings easier to comprehend.
  • The lessons are categorized into bite-size segments, with most of the mini lessons being no more than five minutes in length. This makes it an ideal resource when you only have a few moments to study or are struggling with a specific topic.
  • The study guides summarize the course content in easy-to-understand language along with exam tips, memory aids, and analogies to make the learning fun and efficient.
  • The study guides serve as a useful tool to help you understand the CISRO/OCRA manuals and are an excellent pre-exam review.
  • Over 1,000 flash cards are provided, which allow you to gain a great deal of knowledge very quickly.
  • The flash cards are designed to mimic a tutor by asking simple questions and providing simple explanations.
  • The flash cards are an excellent stepping stone between reading the material and working with the exam preparation questions.
  • Over 1,000 exam preparation questions are provided with detailed answer keys/solutions.
  • The questions range in difficulty from “learning-style” to “exam-level.”
  • The questions are positioned as a learning tool, as you will receive feedback after each question.
  • The practice exams are designed to reflect the focus and difficulty level of the certification and provincial exams.
  • After each question, you will be provided with an explanation/solution, which can be used to solidify or correct your understanding of a concept.

Course Information

Delivery Online
Languages English
Suggested study time 30 hours per module
Enrolment period 1 year
Practice exam Yes
  • Individuals seeking to become a licensed accident and sickness insurance agent
  • Individuals wanting to learn about accident and sickness insurance
Format Online
Time permitted 75 minutes
Number of questions 20 – 30
Question format Multiple choice
Passing grade 60%

NOTE: Each module contains a certification exam. You must successfully pass all certification exams before IFSE can certify you. For A&S (Common Law or Civil Law), you must pass both (2) certification exams. For A&S (Canada), you must pass all 3 certification exams.


If you have never taken a course with the IFSE Institute, please follow the steps below. If you have taken an IFSE course before, please log into your existing account with your username and password, click on ENROL IN A COURSE and begin at Step #4.

  1. From the homepage ( click on the button "LOGIN/REGISTER".
  2. Then click "Become a Student".
  3. Supply all mandatory fields (indicated by a * next to the field) and click "Next" to proceed.
  4. If you have been given a contract code and password by your organization, enter it where required and click "Yes". If you do not have a contract code, click "No".
  5. Select the course name that you want to enrol in.
  6. Enter the quantity of any optional products that you wish to purchase and click “Next”.  If you do not wish to purchase any optional products click “Next”
  7. Complete your profile information as indicated on the screen. Take care in completing your mailing and shipping address to ensure that any materials that you have ordered will be delivered promptly and correctly. Click the  "Save" button to proceed to the shopping cart.
  8. Verify your shopping cart information and click on "Process Payment".
  9. Review the Terms and Conditions completely.
  10. To accept the Terms and Conditions, check the box and click "Yes". If you do not want to accept the Terms and Conditions, click "No". Your course enrolment will be cancelled.
  11. Provide your credit card information and click on "Pay Now". Please do not touch the screen until your payment has been processed. A copy of the receipt will appear and can be printed for your records. The receipt will also be stored in your student record for future reference.

Yes, you may request a course extension of 3 months. You are entitled to one course extension per enrolment. Course extensions for Investment Banking and Exempt Market Programs are subject to an $85 (plus tax) fee. Course extensions for Insurance programs are subject to a $70 (plus tax) fee. A course extension must be purchased at least 15 calendar days prior to (and not including) the course expiration date. Note: Continuing Education (CE) courses are not eligible for course extensions.

All content-related inquiries may be sent to Please be sure to include the following information so we may better assist you:

  • Student name
  • Student number
  • Course you're enrolled in
  • Exact location of question in the course (unit, lesson, page title)
  • Your question

You will receive an email from IFSE when your exam results are available.

Exam results for paper-based and computer-based exams are available online within 3 to 5 business days following the exam to students with no outstanding fees.

Exam results for online exams are available immediately upon submission.

You can access your exam results by logging into your IFSE account at Once you have logged in:

  • Select: "Courses".
  • Select: "Show me my Marks for this Course" (this link only appears when your exam has been graded).

You will be entitled to a partial refund of your course enrolment fees if you cancel your web-based course within 15 calendar days of enrolling (including the registration date) or your paper-based course within 30 calendar days of enrolling (including the registration date).

IFSE charges a $75 (plus tax) administration fee on all eligible course cancellations.

You are not eligible for a refund if you have completed an examination attempt.

Note: The Life License Insurance Qualification Course (LLQP) and all Continuing Education (CE) courses are not eligible for refunds.

Other Relevant Courses

You may be interested in these other IFSE courses.

Canadian Investment Funds Course (CIFC)Life License Qualification Program (LLQP)Exempt Market Proficiency Course (EMP)