Get Licensed In Weeks With 

The PNC Learning Difference

SIMPLE LANGUAGE
Finding the official OTL textbook overwhelming? We simplify complex insurance concepts and make them easy to understand.
DEDICATED COURSE TUTOR
Don't study alone, get instant one-on-one help from a licensed instructor by phone or online using our built-in live-chat app
GUARANTEED PASS
Didn't pass the first time? Come back and study for FREE until you do!


Who Needs PNC Learning's

OTL Online Exam Prep Course?

This course is for anyone looking to break into the insurance industry in, whether selling home insurance, auto insurance, or business insurance. The OTL license is the first step in becoming a general insurance agent licensed to sell various insurance products in Ontario

Our course is designed to help you pass, even if you:

  • Have no prior experience
  • Struggle with studying
  • Are pressed for time


What is an OTL License?

An OTL (Other Than Life) license allows you to become a licensed insurance agent in Ontario. With this license, you can sell insurance products like auto insurance, home insurance, and more. If you're aiming to become an insurance broker, you will need the RIBO license, which permits selling products from multiple insurers. 

Our course is crafted to help you meet the licensing requirements of the Financial Services Regulatory Authority and pass the OTL exam on your first attempt.

How do I get an OTL License in Ontario?

There are 4 steps to getting your OTL license:

  1. Take the PNC Learning OTL course
  2. Pass the OTL exam with the Insurance Institute (detailed registration information provided inside the course)
  3. Find an insurance job with a licensed insurer (our graduate services team can assist you with this
  4. Once you’ve found an employer to “sponsor” your license, you then need to apply for the license with the FSRA. Other requirements involve passing a background check and having an Ontario mailing address for example.


Why Choose a Career in Insurance?

A career in insurance is not only recession-proof but also financially rewarding. Holding a general insurance agent license offers numerous opportunities. 

According to SalaryExpert.com, the average insurance agent in Ontario earns around $83,374 per year.

With over 91,473 course enrollments, we are ready to help you pass the OTL exam in under three weeks, positioning you for success as a general insurance agent. 

Earn your license and start your insurance career in less than  3 weeks saving you months of study time and stress.

Customer Reviews
⭐⭐⭐⭐⭐
Unmatched Quality for RIBO 1!
"The quality of this learning course is unmatched. This course provides everything you need to pass the RIBO test and more. If it wasn't for this course I would not have got the e-mail today saying I am now a verified RIBO member. Not only is this course very user-friendly and easy to use, my mentor, Jack, answered all my questions I had with almost immediate responses even at ridiculous hours. I would highly recommend this course to anyone who is looking to get into the insurance broker industry."
Aaron L (Billyard Insurance Group), Ontario
(Course Taken: RIBO 1)

⭐⭐⭐⭐⭐
Great Support Throughout RIBO 1 Course!
"The course is set up well and easy to follow and understand. And I'm grateful that you're always available for help if needed. There weren't any surprises, your course covered everything I would have needed to know. You were such a great help over the course and I have you to thank for passing."
Derek L
(Course Taken: RIBO 1)



How It Works & 

What's Included

LEARN
  • Downloadable OTL exam prep material: Access our streamlined 80-page notes package (a $100 value), designed to simplify the learning process.
  • Online Lectures: Comprehensive explanations of key concepts.
  • Glossary of Key Terms: Master the most important insurance terms and concepts.
  • Study Anytime: Use any device, anywhere—study on your schedule.
  • Instant Access: All materials are available immediately upon enrollment.
  • [NEW] Subtitles/CC: Expanding accessibility for all learners.
REVIEW
  • Study & Exam Tips: Pass your exam on the first try with proven strategies.
  • 1000+ Practice Questions, Chapter Quizzes & Mock Exams: Test your knowledge as you go and track your progress.
  • Personal Course Tutor: Get one-on-one support from a licensed instructor.
  • 8 Months Access: The course is designed to be completed in less than three weeks, but you’ll have access for eight months.
  • [NEW] Mobile App: Study on the go with our new mobile app.
GUARANTEED PASS
  • Guaranteed Pass: : If you don’t pass the exam on your first attempt, you can study again for free! 
  • Career Advice & Ongoing Mentorship: 
  • resume reviews, referrals and receive career guidance to help you find a job in any general insurance sector.
  • Eligible for Canada Training Credit (50% reimbursement) or Tuition Tax Credit (if applicable)

Join 33,663+ Students, Start Your New Career Today - Sign up for a FREE TRIAL and save $10 off any course or bundle! (check your email after signing up, no credit card required)


Buy $249.00   Free Preview


Results

33,663+
STUDENTS
91,473+
ENROLLMENTS
4.8
STARS


Customer Reviews
⭐⭐⭐⭐⭐
Passed the OTL exam with ease.
"I took the OTL [exam prep] course with PNC Learning. The material was very friendly and goes very smooth. I passed."
Oscar M, Ontario
(Courses Taken: OTL Exam Prep Course)

⭐⭐⭐⭐⭐
Easy to study and passed the exam.
"Your course made it very easy to study for me. I did my exam yesterday and passed. I could have gotten higher if I studied an extra day."
Yusuf A, Ontario
(Courses Taken: OTL Exam Prep Course)

⭐⭐⭐⭐⭐
Course makes it easy to study and learn.
"I really love what you've done with the course. It really makes it easy for anyone, not just me, to study and learn the material. I plan to build out a network of producers and they will all be reimbursed for your course as long as they pass."
Jay A, Ontario
(Courses Taken: RIBO 1 Course)

⭐⭐⭐⭐⭐
Scored 85% thanks to PNC Learning.
"The course is designed well for me to go through as it's online and I can listen to your presentation rather than studying the book which makes me feel sleepy :). My exam went well today, the PNC online course was very much helpful. I could even write case study for 10 marks correct. [UPDATE: I got my exam results today. I got 85%, thank you again for your help.]"
Harika M, Ontario
(Courses Taken: RIBO 1 Course)

Continuing Education

All prices listed already include tax.   If you're a brokerage owner/manager, contact us for wholesale pricing.

For Alberta residents, see our  Alberta Level 1 course.   

For Saskatchewan residents, see our  Saskatchewan Level 1 course.  

For residents of BC or other provinces, see our   Fundamentals of Insurance course.  

For Ontario residents who want to be Insurance Brokers, see our   RIBO 1 course.  

Unsure which course is right for you?  Click here to see more or contact us for help.


Buy $249.00   Free Preview

More Student Reviews

5 star rating

Easy to Learn

Tahmineh (Tammy) Ghajar

I have no background in insurance and found that PNC made it so easy to learn and understand the lessons.

I have no background in insurance and found that PNC made it so easy to learn and understand the lessons.

Read Less
5 star rating

very helpfull

Sara Abreham

easy to understand

easy to understand

Read Less
star rating

5 star rating

Brilliant and in depth course

Ashwin Shankar

This course gave me in - depth knowledge about the industry and its workings. I would definitely reccommend it to anyone who wants to get licensed in the Oth...

Read More

This course gave me in - depth knowledge about the industry and its workings. I would definitely reccommend it to anyone who wants to get licensed in the Other Than Life insurance in Ontario

Read Less

Lead Instructor

Jacques Wong

Jacques has worked in education since 2009 and has been in the insurance industry since 2013.  In 2015, he won an Insurance Brokers Association award for academic excellence after scoring 97% in CAIB 3 and again in 2019 for scoring 96% in CAIB 4.

He has adapted his own study materials, blended it with his educational background and brings his ability to simplify complex ideas to students through these online courses.

Outside of his day job as a insurance broker, he lends his industry expertise to readers by writing for Insuranceopedia and presenting at industry events.

Course Curriculum

  • 1

    Introduction

  • 2

    Downloads

    • Other Than Life Exam Prep Course Notes

    • Chapter 6A - Additional Personal Property Coverages & Endorsements Notes

    • Automobile Insurance in Canada Notes

    • Other Than Life (OTL) Practice Questions 1

    • [NEW] Additional Practice Questions

    • Glossary of Key Terms

    • Key Policies Overview

    • Textbook/Printed Notes Discount Code

    • Printed Materials Order Form

    • Translated Notes (中文 / Chinese Version)

  • 3

    Introduction to Insurance

    • [NEW] Chapter 1 - Introduction to Insurance

    • Chapter 1 Quiz

    • [NEW] Chapter 2 - Government & Insurance Industry Regulations

    • Chapter 2 Quiz

    • Introduction to Insurance & Government Supplement

    • [NEW] Chapter 3 - Contract Law & Insurance Contracts

    • Chapter 3 Quiz

    • [NEW] Chapter 4 - Insurance Process & Participants

    • Chapter 4 Quiz

  • 4

    Property Insurance

    • [NEW] Chapter 5 - Characteristics of Property Insurance Policies

    • Chapter 5 Quiz

    • [NEW] Chapter 6 - Personal Property Insurance (Habitational Forms)

    • Chapter 6 Quiz

    • [NEW] Chapter 6A - Additional Personal Property Coverages & Endorsements

    • Optional Assignment - Make Tables

    • [NEW] Chapter 7 - Commercial Property Insurance

    • Coinsurance Explainer

    • Chapter 7 Quiz

    • [NEW] Chapter 7A - Additional Commercial Property Coverages & Endorsements

    • Bonds Explainer

  • 5

    Midterm Review

    • Midterm Check-up

    • [NEW] Introduction to Insurance Exam (50 Questions)

    • [NEW] Personal Property Insurance Exam (50 Questions)

  • 6

    Legal Liability

    • [NEW] Chapter 8 - Basics of Legal Liability

    • Chapter 8 Quiz Part 1

    • Chapter 8 Quiz Part 2

    • [NEW] Chapter 9 - Liability Insurance Policies

    • Chapter 9 Quiz

  • 7

    Broker Regulations & Professionalism

    • [NEW] Chapter 10 - Regulations & Professionalism

    • Chapter 10 Quiz

    • Broker Professionalism Supplement

  • 8

    Chapter 11: Auto Insurance in Ontario

    • [NEW] Introduction to Automobile Insurance

    • [NEW] Financial Services Commission of Ontario (FSCO)

    • [NEW] OAP 1 - Owner's Form

    • [NEW] Endorsements

    • [NEW] The Facility Association

    • [NEW] OAP 2 - Driver's Policy

    • [NEW] OAP 4 - Garage Automobile Policy

    • [NEW] Standard Policy Forms (SPF)

    • Chapter 13 Quiz

  • 9

    Chapter 12: Auto Insurance in Canada

    • Statutory Conditions & Endorsements

    • [NEW] Automobile Insurance Policies

    • Chapter 12 - Automobile Insurance (Provincial Variations: BC, AB, ON, MB, NB, NS, PE, NL, YT, NT, NU)

    • Chapter 12 Quiz

  • 10

    Final Review

    • Final Check-up

    • [NEW] Liability Insurance Exam (60 Questions)

    • [NEW] Automobile Insurance Exam (57 Questions)

    • [NEW] Computer Generated Final Exam (100/310 Questions)

  • 11

    Conclusion

  • 12

    [NEW] Audio Only Lectures

    • NOTICE

    • Chapter 1 Audio Lecture

    • Chapter 2 Audio Lecture

    • Chapter 3 Audio Lecture

    • Chapter 4 Audio Lecture

    • Chapter 5 Audio Lecture

    • Chapter 6 Audio Lecture

    • Chapter 6A Audio Lecture

    • Chapter 7 Audio Lecture

    • Chapter 7A Audio Lecture

    • Chapter 8 Audio Lecture

    • Chapter 9 Audio Lecture

    • Chapter 10 Audio Lecture

    • Chapter 11 Introduction to Automobile Insurance Audio Lecture

    • Chapter 11 FSCO Audio Lecture

    • Chapter 11 OAP 1 Audio Lecture

    • Chapter 11 Endorsements Audio Lecture

    • Chapter 11 FA Audio Lecture

    • Chapter 11 OAP2 Audio Lecture

    • Chapter 11 OAP4 Audio Lecture

    • Chapter 11 SPF Audio Lecture

Related Courses & Bundles

  • $249.00

    $249.00RIBO 1 Course (Ontario Level 1)

    Buy Now
  • $449.00

    $449.00RIBO 1 & 2 (Unrestricted - Technical) Course Bundle

    Buy Now
  • $549.00

    $549.00RIBO 1, 2 & 3 (Unrestricted - Technical & Management) Course Bundle

    Buy Now

View All Courses

FAQ

  • What is the passing grade for the OTL exam?

    You need a 70% to pass

  • How long is the OTL exam?

    You have 2 hours and 15 minutes to complete the exam.

  • What is the difference between OTL and RIBO license?

    The OTL license is for students that want to become insurance agents. Insurance agents represent 1 insurance company and offer products from 1 insurer whereas the RIBO license is for people who want to become insurance brokers and represent multiple insurer. If you want to get a RIBO license instead, see our RIBO 1 course.

  • How much does it cost to get an OTL license?

    To get your OTL license, you need to take a course, pass the exam, and apply for your license. The OTL exam prep course with PNC Learning is $249. The OTL exam fee is $250 and the licensing fee with the Financial Services Regulatory Authority of Ontario (FSRAO) is $150 for a 2-year period.

  • How to get an OTL license in Ontario?

    To get your OTL license, you need to take a course, pass the exam, and apply for your license. The first step is to get some study materials. PNC Learning offers an OTL exam prep course for $249.

  • How to convert OTL to RIBO?

    To convert your OTL to a RIBO license, you need to pass the RIBO Equivalency Exam, which covers the RIBO By-laws and regulations. See our RIBO Equivalency Exam prep course for more info.

  • What is OTL?

    OTL stands for Other Than Life. This insurance agents license in Ontario enables you to represent just one insurer and sell all types of insurance products aside from life and health insurance. If you want to represent multiple insurance companies, you need to become an insurance broker by taking the RIBO 1 course.

  • How long does it take to complete the OTL course?

    Everyone is different, but with the PNC Learning OTL exam prep course, it takes about 60-80 hours of total study time or about 3-4 weeks if you study part-time. However, you can access during your studies, you can leverage our AI tutor (for select courses) or reach out to our human tutor team for assistance. Whatever your goals are, we are here to help you succeed.

  • Are there practice exams included in the OTL course?

    Yes, the OTL course includes ~1000 practice questions to help you understand and retain the concepts and prepare for what you will see on the actual exam.

  • Can I work as an insurance broker with an OTL license?

    No, the OTL license is for insurance agents. If you want to work as an insurance broker, you will need to take the RIBO 1 course/exam.

  • What are the career opportunities with an OTL license?

    As an OTL license holder, you can work as an insurance agent selling personal insurance products like auto, home, and tenant insurance or commercial products like business insurance. If you don’t like working with customers or doing sales, administrative or back office roles are available. Many positions also offer With the rise in work-from-home (WFH) options with flexible hours. Whatever you are looking for, PNC Learning offers students job support and mentorship post-graduation.

  • Do I need prior experience to take the OTL course?

    No, our exam prep courses are designed to help you pass quickly and efficiently, even if you have no experience in insurance or if English is not your first language. Our materials are taught in a simple and straightforward way, and our course tutors are always here to answer your questions.

  • Can I upgrade from OTL to another license (e.g., RIBO or LLQP)?

    Yes you can. To upgrade from an OTL to a RIBO license, you just need to pass the RIBO Equivalency exam. The LLQP is a separate license so you’ll have to take a separate exam for that, but you can hold both licenses at once.

  • What kind of support is available if I don’t understand a topic?

    Always at the forefront of innovation, we have AI tutors available for specific courses and human tutors available for all courses. Feel free to reach out to us if you have any questions or need help anywhere.