Insurance Council of Manitoba



General Insurance Agent/Broker
Licensing Procedures

Levels of Licensing How to apply for a Corporate Licence How to apply for an Individual Licence working for a Corporation How to apply for a Personal (Direct Writer) Licence working directly for an insurer


Licensing Information for all Levels of
General Agent/Broker Licenses

Effective April 10, 1995, the Province of Manitoba implemented a three (3) Level Licensing System for General Insurance Agent/Brokers. Non-residents are issued a licence at the level in which they are licensed in their home jurisdiction. However, an applicant transferring from another jurisdiction must satisfy Manitoba’s licensing requirements for the issue of a licence.

On November 19, 1998 the General Insurance Agents Licensing Rules were amended to include continuing education for non-residents. This means effective immediately every holder of a licence will be required to accumulate 8 hours of continuing education, pursuant to Section 9(1) of the General Insurance Agents Licensing Rules. The licence of an agent/broker who fails to comply with the continuing education will not be renewed until they have provided Council with the required number credit hours.

Effective April 11, 2001 mandatory professional liability insurance came into law. All persons applying for a licence must provide written verification of E&O insurance in the amount of $1,000,000 per any one occurrence with an overall policy aggregate of $2,000,000.

A Criminal Record Check must accompany first applications for licensing. This document can be obtained from your local RCMP detachment or municipal police department in advance to determine the processing requirements, cost of the service, and hours the service is available in your jurisdiction. Individuals who have a conviction must have their Criminal Record Check done by fingerprints. This process could take up to six (6) months.

In addition, all agents/brokers operating in the Province of Manitoba are required to comply with the Insurance Act of Manitoba, the General Insurance Agent’s Licensing Rules and Code of Conduct.

Pursuant to Section 9(1) of the General Insurance Agents Licensing Rules, every holder of a licence is required to accumulate 8 continuing education credit hours per licensing year. If your home jurisdiction requires that you obtain Continuing Education Credit Hours, these may be used to renew your Manitoba licence. If not, you may apply to Council for consideration on various courses/seminars by submitting a detailed outline including an indication of its duration, date(s) and length of each course/seminar.

Manitoba’s licensing year runs from JUNE 1 to MAY 31, and licence fees are not prorated.

NOTE: Licence renewal forms are mailed out mid April.

The following defines each level of licence and their restrictions and/or authorizations.

Level 1 Auto Only Broker Licence

  • successfully completes both of the following:
    • the Auto Broker Technical Course or another course that the council considers equivalent; and
    • the Manitoba Public Insurance proficiency examination.
  • prohibited from selling outside the office of a general insurance agency;
  • must operate under the supervision of at least a Level 2 Agent/Broker.

Level 1

  • successfully completes one of the following:
    • CAIB 1; or
    • Fundamentals of Insurance; or
    • Council's Challenge Level 1 Examination.
  • prohibited from selling outside the office of a general insurance agency;
  • must operate under the supervision of at least a Level 2 Agent/Broker.
  • can sign insurance policies

Level 2

  • successfully completes one of the following:
    • CAIB 2 and CAIB 3; or
    • Council's Challenge Level 2 Examination; or
    • has any one of the following designations: C.I.P., A.I.I.C., F.C.I.P., F.I.I.C., C.A.I.B., C.I.B., and C.R.M. or another designation that the council considers equivalent.
  • can sell inside and outside of the office of a general insurance agency;
  • can sign insurance policies.

Level 3

  • successfully completes one of the following:
    • CAIB 4; or
    • Council's Challenge Level 3 Examination; or
    • has any one of the following designations: C.I.P., A.I.I.C., F.C.I.P., F.I.I.C., C.A.I.B., C.I.B., and C.R.M. or another designation that the council considers equivalent.
  • can sell inside and outside of the office of a general insurance agency;
  • can sign insurance policies;
  • can manage the office of a general insurance agency.



Licensing Procedures for Corporate Applications

To assist in the proper completion of the Corporate application form, the following steps have been set out in point form. Applications received that are incomplete, pending information or documentation will be returned to the applicant. Please note the completion of an application does not guarantee the issue of a licence. Each applicant must be found suitable to hold a licence.

Part A

  • Complete questions 1 - 4 with the business data.

  • Complete questions 5 - 11 with the applicant's personal data.

  • Question 12 - select one of the business types and attach a copy of the Manitoba Articles if they are not already filed with our Council office.

  • Question 13 - provide particulars as requested.

  • Question 14 - answer yes or no.

Part B

  • Question 15 - List all licensed Individuals connected with the company being registered.

  • Question 16 - provide names of markets in volume order. Do not give volume amounts.

  • Question 17 - provide details and attach a copy of your E&O coverage.

  • Questions 18 - 23 - select an answer and attach supporting documentation or explanation(s) where requested. NOTE: Any person who has been convicted of a criminal offence must include a Criminal Record Search which must be done by fingerprints.

Part C

  • The "Declaration" section must be completed by the individual applying for the Corporate Licence and signature of witness. NOTE: Part C is continued on Page 4.

Part D

  • The "Recommendation" section must be completed by the sponsoring insurance company that you will be representing.

Please ensure that the following is included with your application form:

  • If multiple individuals will be representing the organization, each individual is required to complete an Individual application form and have it signed by the holder of the Corporate Licence.
  • Attach a copy of either the Agency's or your individual Errors and Omissions Insurance obtained through a licensed insurance company in Manitoba. Coverage must be at minimum in the amount of $1,000,000 per any one occurrence with an overall policy aggregate of $2,000,000.
  • Attach the applicable licence fee of $185.00.
    (Cheque or Money Order must be in CANADIAN FUNDS and made payable to the"Insurance Council of Manitoba")
  • If you are a Non-Resident of Manitoba, you must include an original Non-Resident Endorsement Form (also known as a Certificate of Authority/Certificate of Status) not more than 60 days old from your home jurisdiction.
  • Attach an original Criminal Record Check not more than 6 months old. NOTE: If you are currently licensed in MANITOBA and are only amending your licence, or have been licensed in MANITOBA in the past 12 months, you do not have to supply a Criminal Record Check. For Canadian residents, criminal record checks can be obtained from your local RCMP detachment or Municipal Police Department. For residents of the United States, criminal record checks must be obtained from the Federal Bureau of Investigation (FBI).
  • US residents only are required to provide a curriculum vitae (CV) which will enable Council to review your experience, education and background in the industry.
  • US residents may also be required to provide a short memo advising Council what specific insurance products you plan on marketing in Manitoba.




Licensing Procedures for Individual Applications

To assist in the proper completion of the Individual application form, the following steps have been set out in point form. Applications received that are incomplete, pending information or documentation will be returned to the applicant. Please note the completion of an application does not guarantee the issue of a licence. Each applicant must be found suitable to hold a licence.

  1. Complete questions 1 - 6 with your personal data.

  2. Complete questions 7-10 with your agency name, business data and sponsoring insurance company's name.

  3. Complete questions 11 and 12 by selecting only one using a check mark.

  4. Complete questions 13 and 14 with your present employment and employment history.

  5. Questions 15 - 22 complete by checking only one answer and attaching supporting documentation where requested. NOTE: Any person who has been convicted of a criminal offence must include a Criminal Record Search which must be done by fingerprints.

  6. The "Consent (Investigation Authorization)" section must be fully completed with your signature authorizing our office to undertake a criminal record check and confirm with any police agency the details of any convictions which may have been made against you for any offence under any federal or provincial legislation as well as for any charge which may be outstanding against you under such legislation. Please ensure to read this CONSENT section carefully to fully understand it.

  7. Page 3 must evidence your signature and date stating that you declare that you have read and understood the partial sections of the Insurance Act of Manitoba as stated on this page.

  8. The "Declaration" section must be signed by yourself before a witness and dated. Please ensure that you have read and understood all information printed in this application prior to signing.

  9. The "Recommendation" section is to be completed by the holder of the Corporate Licence. (Referred to as the Designated Representative)

Please ensure that the following is included with your application form:

  • Attach a copy of either the Agency's or your individual Errors and Omissions Insurance obtained through a licensed insurance company in Manitoba. Coverage must be at minimum in the amount of $1,000,000 per any one occurrence with an overall policy aggregate of $2,000,000.
  • Attach the applicable licence fee of $185.00.
    (Cheque or Money Order must be in CANADIAN FUNDS and made payable to the"Insurance Council of Manitoba")
  • If you are a Non-Resident of Manitoba, you must include an original Non-Resident Endorsement Form (also known as a Certificate of Authority/Certificate of Status) not more than 60 days old from your home jurisdiction.
  • Attach an original Criminal Record Check not more than 6 months old. NOTE: If you are currently licensed in MANITOBA and are only amending your licence, or have been licensed in MANITOBA in the past 12 months, you do not have to supply a Criminal Record Check. For Canadian residents, criminal record checks can be obtained from your local RCMP detachment or Municipal Police Department. For residents of the United States, criminal record checks must be obtained from the Federal Bureau of Investigation (FBI).
  • US residents only are required to provide a curriculum vitae (CV) which will enable Council to review your experience, education and background in the industry.
  • US residents may also be required to provide a short memo advising Council what specific insurance products you plan on marketing in Manitoba.




Licensing Procedures for Direct Writers (Personal Licenses)

To assist in the proper completion of the Personal Direct Writer application form, the following steps have been set out in point form. Applications received that are incomplete, pending information or documentation will be returned to the applicant. Please note the completion of an application does not guarantee the issue of a licence. Each applicant must be found suitable to hold a licence.

  1. Complete questions 1 - 6 with your personal data.

  2. Complete questions 7 - 9 with your business address.

  3. Complete question 10 with the name of the insurance company that you will be representing.

  4. Complete question 11 by checking off what level of licence you are applying for.

  5. Complete question 12 by checking off one of the given.

  6. Complete questions 13 - 16 by answering "yes" or "no" and providing details and/or documentation where requested.

  7. Complete questions 17 & 18 by providing your PRESENT EMPLOYER, POSITION and DUTIES along with employment history for the previous FIVE years.

  8. Question 19, select an answer ensuring details and documentation have been provided where requested.   NOTE: Any person who has been convicted of a criminal offence must include a Criminal Record Search which must be done by fingerprints.

  9. Question 20 must be fully completed with your signature authorizing our office to undertake a criminal record check and confirm with any police agency the details of any convictions which may have been made against you for any offence under any federal or provincial legislation as well as for any charge which may be outstanding against you under such legislation. Please ensure to read this CONSENT section carefully to fully understand it.

  10. Page 3 must evidence your signature and date stating that you declare that you have read and understood the partial sections of the Insurance Act of Manitoba as stated on this page.

  11. Question 21, the “Declaration” section must be signed before a witness and dated. Please ensure you have read and understood the information printed on page 3 of this form prior to signing.

  12. Question 22 is to be completed by the sponsoring insurance company that you will be representing. (Must be the same insurer as indicated in question 7) Please note Manitoba requires that an insurance company sponsor all applications.

Please ensure that the following is included with your application form:

  • Attach a copy of either your insurer's or your individual Errors and Omissions Insurance obtained through a licensed insurance company in Manitoba. Coverage must be at minimum in the amount of $1,000,000 per any one occurrence with an overall policy aggregate of $2,000,000.
  • Attach the applicable licence fee of $185.00.
    (Cheque or Money Order must be in CANADIAN FUNDS and made payable to the"Insurance Council of Manitoba")
  • If you are a Non-Resident of Manitoba, you must include an original Non-Resident Endorsement Form (also known as a Certificate of Authority/Certificate of Status) not more than 60 days old from your home jurisdiction.
  • Attach an original Criminal Record Check not more than 6 months old. NOTE: If you are currently licensed in MANITOBA and are only amending your licence, or have been licensed in MANITOBA in the past 12 months, you do not have to supply a Criminal Record Check. For Canadian residents, criminal record checks can be obtained from your local RCMP detachment or Municipal Police Department. For residents of the United States, criminal record checks must be obtained from the Federal Bureau of Investigation (FBI).
  • US residents only are required to provide a curriculum vitae (CV) which will enable Council to review your experience, education and background in the industry.
  • US residents may also be required to provide a short memo advising Council what specific insurance products you plan on marketing in Manitoba.