Every Insurance Regulator in Canada, in One Place

Every insurance licence in Canada answers to a provincial or territorial regulator. There are 13 of them, and they do not share a name, a website, a CE rule or a deadline. A broker licensed in Ontario and Alberta answers to two different bodies with two different renewal dates. A life agent in Quebec plays by rules that look nothing like the rules in Manitoba.

This guide puts all 13 regulators in one place, with the name of the body, its website, the P and C CE requirement and the renewal deadline. It is the same directory our Province Hub uses, and the hub links straight through to each regulator and its renewal portal. Open the hub to check your own province, then use the tables below for the detail. Every figure in this post was checked against the regulator's own published pages on November 13, 2026.

The 13 regulators at a glance

Two provinces need a closer look. In Ontario, P and C brokers are regulated by RIBO and life agents by FSRA, two different bodies with two different CE regimes. In Quebec, the AMF issues the certificate and the Chambre de l'assurance oversees continuing education, ethics and discipline. The rest of the country uses one body per province for both lines, though the CE rules still differ by line.

P and C brokers: CE hours and deadlines by province

• Ontario: 8 hours a year for Level 1 and Level 2 brokers, with at least 1 hour of Ethics, at least 3 hours of Technical and no more than 2 hours of Professional Development. Principal Brokers, Deputy Principals and Supervising Brokers need 10 hours, with at least 1 hour of Ethics and at least 5 hours of Management. The licence year runs October 1 to September 30.
• Alberta: 15 hours a year for each class of licence you hold. The certificate term runs July 1 to June 30, and missing June 30 means the licence expires automatically. You can carry up to 7.5 hours forward.
• British Columbia: 8 credits per licence period, June 1 to May 31. One hour of eligible education equals one credit, and you can carry up to a full year of credits forward. New licensees in the final three months of the period are exempt for that period.
• Manitoba: 8 hours a year, June 1 to May 31, with up to 4 hours carried forward.
• Saskatchewan: 12 hours a year, or 8 hours if you hold AIIC, CAIB, CCIB, CIP, CPCU, CRM, FCIP, FIIC or FRM, or have 25 or more years of experience. Your deadline is your licence anniversary.
• Quebec: 20 PDUs per two-year reference period. The current period runs April 1, 2026 to March 31, 2028. At least 3 PDUs must be in compliance, including the Chambre's 2-PDU compulsory course.
• New Brunswick, Nova Scotia, Prince Edward Island, Newfoundland and Labrador, Northwest Territories, Yukon and Nunavut: no P and C CE requirement. You still renew, and the deadline still matters. Nova Scotia renews every three years. The Northwest Territories deadline is June 30, Yukon and Nunavut are September 30, and Prince Edward Island and Newfoundland and Labrador renew on your licence anniversary.

Life and A and S agents: a different map

Life insurance is regulated by the same bodies in most provinces, but the CE rules are different, and in two provinces the licence structure itself is different. Alberta licenses Life and A and S separately, 15 hours a year for each. Manitoba licenses them separately too, but the 15 hours are shared across both licences, one tracker per agent. Ontario has one combined Life and A and S licence with a single 30-hour rule. Use the P and C or Life and A and S toggle in the Province Hub to switch the whole hub to the Life rules.

Two details worth knowing. Saskatchewan is the only hours province with an ethics requirement for Life agents: 3 hours within your first 3 years of licensing, then every 5-year cycle. Ontario is the opposite: FSRA sets no ethics minimum and no category buckets at all, every hour counts toward the 30 as long as the course covers the technical side of life insurance.

How to verify a licence

• Every regulator publishes a public register or licence lookup. Search the regulator's site for "verify a licence" or "licence lookup".
• You usually need the person's name or licence number. Some registers also show licence class, status and expiry date.
• Check before you refer a client, hire a broker or take on a file from another brokerage. A licence that looks active can be suspended.
• If a name does not appear in the register, do not assume a typo. Call the regulator. The phone number is on the same site as the register.
• The table above links to each regulator. Start there, not with a search engine, so you land on the real register and not a lookalike.

Licensed in more than one province

• Each province's rules apply separately. Holding an Ontario licence does not satisfy Alberta, and Alberta CE does not automatically count in BC.
• Alberta bases CE on where you live, not where you are licensed. A broker living in BC, Saskatchewan, Manitoba, Ontario or Quebec is exempt from Alberta CE.
• British Columbia, Manitoba and Saskatchewan deem you compliant if your home province requires CE and you met it there. Quebec recognizes other-province CE only under its own conditions, so confirm before you rely on it.
• Track each expiry separately. Renewal dates do not line up: Alberta is June 30, BC and Manitoba are May 31, Ontario is September 30, and Saskatchewan is your anniversary.
• The Province Hub shows all 13 provinces side by side, with the CE requirement and deadline for each, so a multi-province book fits on one screen.

Renewal portals, and the provinces still on paper

• Most provinces renew online through the regulator's portal. The hub links to each portal from the province card.
• Nova Scotia, Prince Edward Island, the Northwest Territories and Nunavut still process renewals by mail. Nova Scotia mails the renewal package to you. The Northwest Territories uses Form 10, mailed to Yellowknife before June 30. Nunavut mails to Iqaluit before September 30.
• Paper filing needs lead time. Northern mail is slow, and a renewal that arrives late is a renewal that did not happen. File at least a month early.
• Keep your certificates. Retention runs from 2 to 5 years depending on the province and the line, and regulators audit.

Quebec changed in 2025. Update your bookmarks.

On July 4, 2025, the Chambre de la sécurité financière and the Chambre de l'assurance de dommages merged into a single Chambre de l'assurance. The AMF's recognition order for the new Chambre took effect July 4, 2026. The old names still appear in older articles and course material. If your bookmarks still say CSF or ChAD, update them to the Chambre de l'assurance.

The P and C rule did not change with the merger: damage insurance representatives still complete 20 PDUs per two-year reference period, with at least 3 in compliance including the Chambre's compulsory course. The Life rule is the 30-PDU split described above, 10 general, 10 compliance and ethics, and 10 sector-specific.

Frequently asked questions

Who regulates insurance brokers in Canada? There is no national insurance regulator. Each province and territory licenses its own brokers and agents, sets its own CE rules and runs its own renewal. The 13 bodies are listed in the table above.

Who regulates Ontario P and C brokers? RIBO, the Registered Insurance Brokers of Ontario. Ontario life agents answer to a different body, FSRA, the Financial Services Regulatory Authority of Ontario.

Which provinces have no CE requirement? For P and C, New Brunswick, Nova Scotia, Prince Edward Island, Newfoundland and Labrador, the Northwest Territories, Yukon and Nunavut set no CE hours. For Life, the same seven provinces and territories have no CE requirement. You still have to renew, and the renewal deadline still applies.

Where do I check my CE hours and deadline? In the Province Hub on truenorthce.ca. Pick your province and your line, P and C or Life and A and S, and the hub shows your requirement, your deadline and links to the regulator and the renewal portal.

Do I need a separate licence for each province? Yes. A licence is provincial. To sell in a second province you apply to that province's regulator, meet its requirements and renew on its cycle.