PNC Learning's instructor-led online (Other Than Life) OTL exam prep course prepares you for the Other Than Life exam in Ontario.



Struggling with the HUGE and expensive textbook? We teach complex concepts in a simple & jargon-free way

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

Didn't pass the first time? Come back and study for FREE until you do!

Who needs this OTL online exam prep course? Responsive Layout

 This course helps you get licensed even if you have:

  • No experience
  • No time
  • English isn't your first language
  • You are "bad" at studying

What is OTL?

An (Other Than Life) OTL license is required if you want to be an Insurance Agent whereas a RIBO license is if you want to become an Insurance Broker.  

An Insurance Agent works directly with only 1 insurer representing and selling their products.  An Insurance Broker works at a brokerage representing and selling products from multiple insurers. 

One isn't necessarily "better" than the other - which course/exam you should take depends on where you want to work and which license the job requires.

Why insurance?

Whether you want to sell home, auto or business insurance, this is a great industry to make a career in - you're helping protect people from financial ruin, it's recession proof and its relatively high paying. says that the average insurance agent in Ontario earn a salary of $83,374/yr.

To become an insurance agent in Ontario, you must first pass the OTL exam.

With some of the best student reviews in the industry and over 91,473 enrollments, our Ontario OTL course gives you what you need to pass the OTL exam and become an insurance agent.

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

"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)

"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)


  • Downloadable Other Than Life (OTL) Exam Prep Course Textbook (only 80 pages long): this easy-to-use note package gives you exactly what you need to know to pass your exam with ZERO jargon (a $100 value)
  • Online Lectures: multi-media lectures with detailed examples and explanations to help you understand difficult concepts
  • Glossary of Key Terms: get the key terms and definitions explained in a simple way
  • Study Anywhere 24/7: on-the-go on computer, phone, tablet or print things out
  • Instant Access: get instant access to all of the study material online
  • [NEW] Subtitles/CC: expanding accessibility for all types of learners
  • Study & Exam Tips: save time by studying efficiently and learn the tips you need to pass the exam on the first try
  • ~1000 Practice Questions, Chapter Quizzes & Mock Exams: test yourself, get instant feedback on your progress and face the exam with confidence
  • Personal 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
  • 24/7 Customer Support
  • 8 Months Access: it should only take less than 3 weeks but we give you 8 months 
  • [NEW] Mobile App Experience: make studying even more convenient on-the-go with our new mobile app

  • Guaranteed Pass: didn't pass the first time?  Come back and study for free until you do
  • Career Advice & Ongoing Mentorship: find a job fast through our employment partners
  • 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)



"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)

"Your course made it very easy to study for me. I did my exam yesterday and passed. I could have gotten higher if studied an extra day."

- Yusuf A, Ontario

(Courses Taken: OTL Exam Prep Course)

"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)

"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 on your help.]"

- Harika M, Ontario

(Courses Taken: RIBO 1 Course)

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.

Social proof: 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

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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

  • 2


    • Other Than Life Exam Prep Course Notes

    • Other Than Life Exam Prep Course Notes (中文 / Chinese Version)

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

    • Automobile Insurance in Canada Notes

    • Other Than Life - OTL Practice Exam 1

    • [NEW] Additional Practice Questions

    • Glossary of Key Terms

    • Textbook/Printed Notes Discount Code

    • Printed Materials Order Form

  • 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

    • Homeowners Insurance Comparison Table

    • [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


  • 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