Level 1 – Entry Level Exam

3 Hours 90 Multiple Choice Questions

General (47 questions)

Habitational (18 Questions)

Travel Health (5 Questions)*

Automobile (20 Questions)

75% (68 out of 90)

60% in the Travel Health Section

18+ Years Old

Valid Criminal Record History

Satisfy the Only Business or Employment rule


Writing the entry level exam is the first step in becoming a licensed insurance broker in Ontario. The exam will test a range of subjects, including but not limited to, legislation such as the RIB Act, Regulations, RIBO Bylaws, as well as, insurance product knowledge include automobile, habitational, travel health, and general policies.

Candidates who pass the current Entry level examination with a minimum of 60% in the Travel Health* section of the examination may sell Travel Health Insurance. Individuals who are not successful may write a separate Travel Health examination. Additionally, Accident & Sickness insurance is most commonly included as part of a Life Insurance Agent’s License from the Financial Services Regulatory Authority of Ontario (FSRA). FSRA has a specific Accident & Sickness examination. The Accident & Sickness restriction can be removed from a RIBO registration by submitting a copy of a current life license including Accident & Sickness or evidence of passing the Accident & Sickness examination.

Upon completion of the RIBO exam, results will be provided to you by the exam provider once they are available.  Please do not contact RIBO for your exam results.


Additional qualification requirements for obtaining a RIBO license are detailed here.


RIBO is no longer handling exam applications.

To apply for an in-person exam please contact the Insurance Brokers Association of Ontario

To apply for an online exam please contact the Insurance Institute of Canada

Candidates are eligible to rewrite within the 8-month period following their first examination per exam provider. Candidates after two failed attempts are subject to an 8-month waiting period following their second failed attempt with the same service provider. Previous attempts prior to May 1, 2021, will not count against the candidate.


1. Before an insured can recover a loss under a fire insurance policy, it is necessary that:

a. the policy be countersigned.
b. an insurable interest exists.
c. the insured prove that fraud had not been committed.

2. Negligence is:

  1. a) the failure to exercise the care that a reasonable person would take in a similar set of circumstances.
    b) behaving in a manner expected of a reasonable and prudent person.
    c) payment of insurance monies to a person injured by the insured persons.
    d) exercising rights under an insurance policy to recover money paid to a third person.

Correct Answers: 1 (c);  2 (a)


In addition to the resources available below, it is excellent exam preparation to study the policy forms (OAP 1: Ontario Automobile Policy Owner’s Policy & Comprehensive Homeowner, Tenant, Condominium Unit Owner Package Policy) in addition to the explanations and coverage of information in the text material.

*Please note that RIBO DOES NOT conduct courses.  For information on courses/additional study material please contact:

Insurance Brokers Association of Ontario


Become a Broker

The online and textbook self-study program is available. Please visit the IBAO website for more information.

Insurance Institute of Ontario


RIBO Level 1 Broker Course

The Insurance Institute also offers online and in person courses