Based on the Insurance Institute of Canada's published OTL weights, the Insurance Act, OAP 1 and OPCF forms, and FSRA and IBC guidance
Practice on the go and jump straight back to where you left off.
About the examination
The OTL (Other Than Life) Agent's Exam is the exam you must pass to apply for an Ontario general insurance agent licence (car, home and business insurance): 110 multiple-choice questions in 135 minutes, with 75% to pass. After you pass, you apply to FSRA for a licence sponsored by an insurer.
The Institute publishes the weights, and this free practice test follows them: Industry Knowledge 30%, Automobile 30%, Habitational 30%, Business 5% and Claims 5%. It has 240 original questions written from free official texts, including the OPCF endorsement forms. Home and business policy wording varies by insurer, so those questions test concepts, not one insurer's clause.
Quick facts
What's covered
Try a few
Sample questions from the bank. Use the interactive module above for the 110-question, 135-minute exam simulation.
Why: An illustration or statement that, by omission, is so incomplete that it misrepresents a policy’s terms or benefits is a prescribed practice. Pointing to the policy wording does not cure a misleading summary given at the sales stage.
Why: Liability Coverage protects the named insured and anyone else who uses or operates the described automobile with the named insured's consent. No listing is needed for permissive use, and the full policy limit shown on the certificate is available, not only the minimum. Other rules, such as excluded drivers, can still limit coverage.
Why: Sewer backup, overland flood and earthquake are optional coverages on a standard home policy and are often excluded unless added. Wording varies by insurer, so the agent should check the endorsement list.
Why: Business interruption can be written with an extra expense form. Extra expense pays added costs, such as temporarily relocating, that the insured incurs to keep operating after a covered loss. Wording varies by insurer.
Why: Statutory condition 6(6) lets the automobile insurer repair, rebuild or replace instead of paying, but only if it gives written notice of that intention within seven days after receiving the proof of loss. The period runs from the proof of loss, not from the accident, and the repair must then be done within a reasonable time.
FAQ
The OTL (Other Than Life) Agent's Exam is the exam new applicants must pass before they apply for an Ontario general insurance agent licence, which lets you sell property and casualty insurance such as car, home and business insurance. FSRA issues the licence and calls general insurance "Other Than Life" (OTL) in Ontario; the Insurance Institute of Canada runs the exam. Sources: fsrao.ca (Apply for a general insurance agent licence) and insuranceinstitute.ca (OTL Insurance Agent licensing in Ontario), read 5 Nov 2026.
The exam has 110 questions to answer in 135 minutes (2 hours 15 minutes): 100 scored multiple-choice questions plus 10 unscored pilot questions, and you need a minimum of 75% to pass. You cannot tell which questions are the pilot ones, and study aids are not allowed. It is written online with a virtual proctor or in person at select centres. Source: insuranceinstitute.ca, Registering for the OTL exam, read 5 Nov 2026.
$225 + HST per attempt, according to the Insurance Institute's registration page (read 5 Nov 2026); confirm the amount when you register, as fees can change. The licence is a separate cost: FSRA's fee for a new general agent licence is $150 and covers the first two years, and your sponsoring insurer may pay it depending on your arrangement. If you use FSRA's approved vendor Triton for the criminal record check, that service is $19.15. Sources: insuranceinstitute.ca and fsrao.ca, read 5 Nov 2026.
Yes. The Insurance Institute lets you write the OTL Agent's Exam four times (the rule applies from February 2026); after four failed attempts you must wait 8 months. If you write during the waiting period the result is void, the wait restarts from your latest attempt, and the fee is not refunded. You can reschedule free of charge up to 24 hours before the start time. Source: insuranceinstitute.ca, OTL and Level 1 licensing exam policies, read 5 Nov 2026.
You need a licensed insurer to sponsor you at all times, and after you pass the OTL exam you have up to one year to apply. Your sponsoring insurer sets up the application in FSRA's Licensing Link, you complete it with a criminal record check and your exam score, and it is submitted to FSRA with the $150 fee. Source: fsrao.ca, Apply for a general insurance agent licence, read 5 Nov 2026.
Possibly. FSRA says that if you hold a Chartered Insurance Professional (CIP) designation in good standing, or you have passed the equivalent RIBO exam, you can bypass the exam requirement, with proof such as an Insurance Institute letter dated in the last 12 months or proof of a RIBO exam completed within the last year. The Institute's registration page adds that agents licensed in another province may be eligible for the Ontario Agent Auto Equivalency Exam and tells candidates to confirm eligibility with FSRA. RIBO's Level 1 broker exam is a different exam (three hours, 100 questions plus 15 unscored pilot questions, 75% to pass). Sources: fsrao.ca, insuranceinstitute.ca and ribo.com, read 5 Nov 2026.
The Institute publishes the weights: Industry Knowledge 30%, Automobile Insurance 30%, Habitational Insurance 30%, Business Insurance 5% and Claims 5%. This practice test follows them: the 240-question bank is split 72 / 72 / 72 / 12 / 12 across the five areas, and the 110-question timed test draws 33 / 33 / 33 / 6 / 5 in the same 135 minutes. Source for the weights: insuranceinstitute.ca, Registering for the OTL exam, read 5 Nov 2026.
Yes, where they matter. FSRA says that as of July 2026 medical, rehabilitation and attendant care benefits remain mandatory while all other accident benefits coverage is optional. The Institute's exam pages do not say which course materials reflect that change, so a question on it says in its explanation when the Institute's materials may lag behind; check the Institute's current course notes. Source: fsrao.ca, Changes in Statutory Accident Benefits coverage in Ontario on July 1, 2026, read 5 Nov 2026.
No. Home and commercial policy wording varies by insurer, and the Institute's own course wording is in its study kit, which ExamHub does not use. The habitational and business questions here test concepts that free official sources support, so use your course material for the wording of a specific form.
No. ExamHub is an independent study resource, not affiliated with the Insurance Institute of Canada or FSRA, and the questions are original, not the real exam questions. They are written from the Insurance Act and its regulations (Ontario e-Laws, ontario.ca/laws/statute/90i08), FSRA's OAP 1 and OPCF forms, and Insurance Bureau of Canada consumer pages, and each explanation names its source.
Sources
Checked 5 Nov 2026. Always confirm current details with the official pages.