Frequently Asked Questions

No. We are an independent education provider. Our courses are designed to align with published exam syllabi and proficiency expectations, but we are not affiliated with, endorsed by, or approved by any regulatory body.

Securities licensing requirements vary by province and role. Generally, you'll need to be sponsored by a registered firm, complete required proficiency exams (like CIRE and RSE), and meet any additional provincial or firm-specific requirements. Contact your sponsoring firm or provincial regulator for specific guidance.

Passing your exam is one step in the licensing process. You'll need to complete any additional requirements set by your sponsoring firm and provincial regulator, which may include additional exams, background checks, or registration steps. Your firm will guide you through the next steps.

Our courses are designed to help you prepare for and pass securities licensing exams. However, licensing requirements vary by firm and jurisdiction. Check with your sponsoring firm or regulator to confirm which exams and prep are required for your licensing path.

Business Career College’s exam prep courses for securities licensing including CIRE and RSE are built directly around CIRO’s official syllabi. Our content maps to the competencies and learning outcomes that are actually assessed on the exam.

No. You'll have immediate access to CIRE exam prep when you purchase the bundle. RSE exam prep unlocks automatically after you pass your CIRE exam. This reflects the regulatory requirement that CIRE must be passed before writing the RSE exam.

Currently, the platform requires an internet connection. Offline access is not available at this time.

Yes. Start a free trial to experience ReadyEngine before purchasing.

Yes. The free Platform Preview gives you a meaningful sample of the course experience, including questions, flashcards, and lessons. It's designed to help you understand how adaptive learning works and whether the platform is right for you. Full course access unlocks unlimited practice, complete lesson libraries, practice exams, and the Pass Guarantee.

CIRO requires candidates to pass the CIRE before writing the RSE exam. However, with the bundle you have immediate access to both exam prep courses from day one and can choose how to structure your study approach.

Yes. Additional courses are in development on ReadyEngine. This page shows what’s available now and what’s coming.

It depends on your starting point, how much time you can dedicate each week, and which exam you're preparing for. Most learners reach readiness in 4 to 8 weeks with consistent study. The platform adapts to your pace, so you're in control of your timeline.

The CIRE is the foundational entry-point exam for registration as an Investment Representative (IR). It covers broad regulatory knowledge and industry fundamentals. The RSE builds on that foundation with a focus on client-facing responsibilities: suitability, KYC, product knowledge, and disclosure.

Our courses are designed to align with published exam syllabi, learning outcomes, and proficiency expectations. We structure content to reflect what candidates are expected to know and demonstrate, but we are not affiliated with, endorsed by, or approved by any regulatory body.

For the CIRE and RSE exam prep courses, you have access to the course for 12 months from the date of purchase. We recommend using your ReadyRating™ score to track your readiness and book your exam well within that window.

You have access to CIRE prep immediately and ongoing access until you pass the exam. Once you pass CIRE and unlock RSE, you have access to RSE prep until you pass that exam. There's no expiration date for either course.

You have access to the course for 12 months from the date of purchase. The course is 100% online and self-paced - study on your own schedule and return to any material as many times as you need. We recommend using your ReadyRating score to track your readiness and book your exam well within that window.

It depends on your background and weekly study time. Most candidates prepare for CIRE first (4-8 weeks), pass the exam, then prepare for RSE (4-8 weeks). The adaptive platform helps you focus on areas for improvement so you can prepare efficiently for both.

Two readiness signals built into every course. Concept Mastery shows your performance by topic. ReadyRating gives you a live composite score from 1 to 5 based on your demonstrated performance across all exam-aligned concepts.

We currently offer exam prep for:

• CIRE (Canadian Investment Regulatory Exam)
• RSE (Retail Securities Exam)

Additional securities education and CIRO exam prep courses are coming soon by Business Career College.

If you are pursuing an Investment Representative (IR) role, you may only need the CIRE. In that case, purchasing the CIRE course individually may be the better option. Visit the CIRE course page or check with your sponsoring firm to confirm which exams apply to your registration path.

The Canadian Investment Regulatory Exam (CIRE) is the entry point to CIRO's new proficiency model. It replaced the previous course-based licensing model in 2026 and is the required proficiency exam for registration as an Investment Representative (IR). An IR can execute trades for clients but cannot advise on trades. Advice is permitted under the Registered Representative (RR) category, which requires additional proficiency requirements.

The Retail Securities Exam (RSE) is a CIRO proficiency exam for candidates pursuing registration as a Registered Representative (RR). In combination with CIRE, it is the required proficiency exam for individuals who advise and trade on behalf of retail investors. The RSE focuses on client-facing responsibilities including suitability, product knowledge, disclosure requirements, and CIRO's regulatory expectations for RRs.

ReadyRating is a real-time readiness signal that updates as you practice. It's designed to give you a clear, data-driven answer to "Am I ready to book the exam?"

The score ranges from 1 to 5, with each level reflecting your probability of passing:

• ReadyRating 5: Greater than 80% probability of passing. Our Pass Guarantee applies at this level.
• ReadyRating 4: 61% to 80% probability of passing.
• ReadyRating 3: 51% to 60% probability of passing. This is considered the absolute minimum.

Your ReadyRating is based on demonstrated performance across exam-aligned concepts, not just content completion. You'll have independent ReadyRating scores for CIRE and RSE.

An Investment Representative (IR) can execute trades for clients but cannot provide investment advice. A Registered Representative (RR) can both trade and advise. Becoming an RR requires passing both the CIRE and RSE exams. Becoming an IR requires the CIRE only.

A question bank tells you what you’ve practiced. ReadyEngine tells you whether you’re ready to pass. Your ReadyRating is a live composite score built from five performance signals. It updates every session and can’t be inflated by a single good day.

Our full-length practice exams are built to mirror the structure, difficulty, and question style of the real CIRE exam. They're drawn from our pool of 3,500+ exam-aligned practice questions, each with detailed explanations.

CIRE prep focuses on foundational regulatory and industry knowledge. RSE prep is designed for client-facing roles, with added focus on suitability, disclosure, and retail client obligations.

The CIRE is CIRO’s new entry-level regulatory exam, while the Canadian Securities Course (CSC) was the previous industry standard. The CIRE is exam-focused from day one, whereas the CSC was a course-based program. The CIRE aligns directly to CIRO’s new proficiency model. Under the new model, there’s no mandatory prep course. You prepare, then you sit the exam.

It depends on which securities licensing exam you need to write. If you're pursuing Canadian securities licensing, you'll likely need the CIRE (Canadian Investment Regulatory Exam) first, followed by the RSE (Retail Securities Exam) if you're working with retail clients. Check with your firm or sponsoring organization if you're unsure which exam applies to your licensing path.

Start with the course that matches your required exam. If you’re unsure, your firm’s onboarding path or compliance team can confirm which exam applies to your role.

This bundle is designed for candidates pursuing retail securities licensing, specifically those working toward the Registered Representative (RR) designation, which requires both the CIRE and RSE. If you are pursuing an Investment Representative (IR) role, only the CIRE may be required. Check with your sponsoring firm to confirm which exams apply to your registration path.

The CIRE is required for anyone registering with a CIRO member firm. It is the entry point to CIRO's proficiency model and establishes the foundational knowledge required across all registration paths. Most new candidates begin here regardless of their intended role.

The RSE is required for candidates pursuing registration as a Registered Representative (RR). RRs are licensed to both trade and provide investment advice to retail clients. The RSE builds on the CIRE and cannot be attempted until CIRE is passed. If your role is Investment Representative (IR) only, the RSE may not be required. Check with your sponsoring firm to confirm which exams apply to your registration path.

Yes. ReadyEngine™ is especially effective for retakes because it identifies gaps quickly and keeps targeting them until performance improves.

New candidates enrol through CIRO's Enrolment Portal, where you select your exam category and pay the associated fees. Once enrolled, you schedule your exam through the Candidate Portal. Your sponsoring firm must submit your registration application to CIRO. Reach out to your firm for guidance on next steps.

New candidates enrol through CIRO's Enrolment Portal, where you select your exam category and pay the associated fees. Once enrolled, you schedule your exam through the Candidate Portal. Your sponsoring firm must submit your registration application to CIRO. Reach out to your firm for guidance on next steps.

New candidates enrol through CIRO's Enrolment Portal, where you select your exam category and pay the associated fees. Once enrolled, you schedule your exam through the Candidate Portal. Your sponsoring firm must submit your registration application to CIRO. Reach out to your firm for guidance on next steps.

The platform identifies weak areas from your Initial Assessment or practice performance, then focuses your study plan on those gaps. This helps you target what went wrong the first time instead of re-studying everything.

Pass marks vary by exam and are set by the regulatory body. Check the official exam syllabus or your firm for specific pass mark information.

The CIRE (Canadian Investment Regulatory Exam) tests foundational proficiency for Canadian securities licensing. It covers regulation, ethics, products, client relationships, and industry structure. The exam is scenario-based and requires you to apply concepts, not just recall them.

The RSE (Retail Securities Exam) tests proficiency for retail client-facing roles. It covers KYC (Know Your Client), suitability, equities, fixed income, managed products, and portfolio construction. Like the CIRE, it's scenario-based and requires judgment and application.

Yes. Update your target exam date anytime, and your daily study plan will recalibrate automatically.

Two ways to start. Take the Initial Assessment for a detailed baseline across every exam-aligned concept. It takes about 90 minutes. Or jump straight in. ReadyEngine™ will build your Concept Mastery picture as you go, using your performance in adaptive quizzes to identify strengths and weaknesses. Either way, once you set your target exam date, your daily plan adjusts session by session.

ReadyEngine™ identifies gaps quickly and keeps targeting weak areas until performance improves. It's especially effective for retakes because it finds exactly where knowledge breaks down, including material that seemed solid but has quietly faded.

If you take the Initial Assessment, the platform gets an immediate baseline. If you skip it, the platform learns as you practice through adaptive quizzes. Either way, it builds your Concept Mastery grid based on demonstrated performance.

The platform works best on the latest versions of Chrome, Firefox, Safari, and Edge.

Business Career College currently offers CIRE Exam Prep, RSE Exam Prep, and LLQP on ReadyEngine™, with additional courses coming soon.

The platform works on desktop, laptop, tablet, and mobile devices. We recommend using a desktop or laptop for the best experience, especially for practice exams.

Concept Mastery is a visual tracker that shows your progress across all exam-aligned topics. Each concept is color-coded based on your demonstrated performance: green means mastered, yellow means developing, and red means needs work. It updates in real time as you practice, so you always know where you stand.

Adaptive learning is a personalized approach to studying that adjusts based on your performance. Instead of moving through content in a fixed order, the platform tracks what you know, identifies weak areas, and focuses your practice where you need it most. This helps you prepare more efficiently and avoid wasting time on material you've already mastered.

It depends on the course.

Insurance licensing and securities exam prep runs on ReadyEngine™, BCC's readiness intelligence platform. ReadyEngine™ tracks your performance after every session, adapts your study plan, and produces a live ReadyRating™ score so you always know when you're ready to book your exam.

Financial Planning exam prep runs on RapidLMS. These programs are built around structured review materials, recorded sessions, and live instruction.

You're ready when your ReadyRating reaches Level 5 and your Concept Mastery grid shows consistent performance across all exam-aligned topics. The platform is designed to give you a clear, data-driven signal so you can book with confidence.

With BCC CIRE Exam Prep, we recommend a ReadyRating 4 or higher and completion of 800+ practice questions for full course completion before attempting the official CIRE exam. Your ReadyRating gives you a real-time readiness signal throughout your preparation so you know when to book.

ReadyRating is based on demonstrated performance across hundreds of practice attempts, but it's ultimately your decision when to book. If you want more practice, you can continue studying until you feel confident. The platform adapts to your pace.

The ReadyRating™ is a live composite score from 1 to 5 that updates after every study session. At Level 5, the data says you're ready to book your exam. That's also when the Pass Guarantee applies. Reach ReadyRating Level 5 and still don't pass? We'll give you a full refund.

The score runs from 1 to 5:

• ReadyRating 5: Greater than 80% probability of passing. Our Pass Guarantee applies at this level.
• ReadyRating 4: 61% to 80% probability of passing.
• ReadyRating 3: 51% to 60% probability of passing. Considered the absolute minimum.

Your ReadyRating™ reflects demonstrated performance across exam-aligned concepts. A single good session can't inflate it.

Yes. Our courses are designed to align with published exam syllabi, learning outcomes, and proficiency expectations for Canadian securities licensing exams. We track regulatory updates and adjust content accordingly.

No. All course content - lessons, questions, and explanations - is developed by a team of learning professionals and securities subject matter experts from Business Career College. The adaptive learning platform uses AI to personalize your study path based on your performance, but the content itself is created by experienced instructors who understand the exams and the industry.

Lessons are delivered in multiple formats, including video lessons, text-based explanations, and interactive questions. This helps reinforce learning through different modalities.

Currently, study materials are available online only. Offline access and downloads are not available at this time.

Yes. You have unlimited access to practice exams. Each attempt helps the platform refine your Concept Mastery and ReadyRating.

Full course access includes:

• Video lessons
• Text-based lessons and explanations
• Adaptive practice questions
• Flashcards
• Unlimited practice exams
• Concept Mastery tracker
• ReadyRating score

In addition to lessons, you get adaptive quizzes, flashcards for reinforcement, unlimited practice exams, Concept Mastery tracking, and ReadyRating to monitor your exam readiness.

No fees beyond the course price for BCC's exam prep. The course price includes everything: lessons, quizzes, flashcards, practice exams, progress tracking, and the Pass Guarantee. Note that CIRO charges its own exam fees directly: $475 for your first attempt, covering up to three attempts within a 12-month enrolment period, and $300 per second or third attempt. These are paid directly to CIRO at the time of enrolment and are separate from your BCC course fee.

Yes. If you only need CIRE or RSE, you can purchase them individually. Visit the CIRE course page or RSE course page. Note that if you purchase CIRE individually and later want RSE, you'll pay the full individual price for RSE.

Yes. Once you're ready, you can purchase full course access from your account dashboard.

Create a free account. No credit card required. You'll get access to sample questions, flashcards, video lessons, and a preview of ReadyEngine™ and the Concept Mastery tracker. This lets you experience how the platform works before committing to a full course.

Create a free account. No credit card required. You'll get access to sample questions, flashcards, video lessons, and a preview of ReadyEngine™ and the Concept Mastery tracker. This lets you experience how the platform works before committing to a full course.

The free Platform Preview gives you a meaningful sample of the course experience, including questions, flashcards, and lessons. It's designed to help you understand how ReadyEngine™ works and whether the platform is right for you. Full course access unlocks unlimited practice, complete lesson libraries, practice exams, and the Pass Guarantee.

The fee for a first exam attempt within an enrolment period is $475. An enrolment period lasts a maximum of 12 months, during which you may attempt the exam up to three times. Retake fees are $300 for each second and third attempt. If you fail three times within a 6-month period, a 6-month cooling-off period applies. Our Pass Guarantee is here to support you — if you reach ReadyRating Level 5 and don't pass the exam, we'll refund your course.

Pricing varies by course. Visit our Pricing page for full details.

No. You pay once for full course access, and you keep access until you pass.

Our pricing reflects the value of adaptive learning technology and verified readiness tracking. Unlike traditional study guides or static question banks, our platform continuously adjusts to your performance, targets weak areas, and provides a clear ReadyRating signal so you know when you're ready to book. You're paying for efficiency and confidence, not just content.

Yes. Adaptive learning is especially effective for retakes because it identifies gaps quickly and keeps targeting them until performance improves. If you've already passed CIRE and only need RSE prep, you may want to purchase the RSE course individually.

Yes. If you achieve a ReadyRating Level 5 for either exam and still fail that exam, you're covered by our Pass Guarantee. Full terms are available on our Refund Policy page.

If you reach the required ReadyRating level and don't pass, our Pass Guarantee covers you. If you don't reach that level yet, you still have full access to keep studying until you're ready. The platform adapts to help you improve, and there's no time limit.

You retain full access to CIRE exam prep so you can continue studying and retake the exam. RSE access will unlock once you pass CIRE.

If you've achieved a ReadyRating Level 5 and still don't pass your CIRE exam, you're covered by our Pass Guarantee — we'll give you a full refund. If you haven't yet reached Level 5, our readiness intelligence will identify your remaining gaps and keep targeting them until your performance improves.

If you've achieved a ReadyRating Level 5 and still don't pass your RSE exam, you're covered by our Pass Guarantee — we'll give you a full refund. If you haven't yet reached Level 5, the adaptive platform will identify your remaining gaps and keep targeting them until your performance improves.

If you reach ReadyRating Level 5 and still do not pass the exam, you're covered by our Pass Guarantee. Full terms, including eligibility requirements, are available on our Refund Policy page.

If you reach ReadyRating Level 5 and still do not pass the exam, you're covered by our Pass Guarantee. That includes getting a full refund. Full terms, including eligibility requirements, are available on our Refund Policy page.

No specific prerequisites are required to use the platform. However, you should confirm with your sponsoring firm or regulator which exam(s) you need to write as part of your licensing requirements.

No. The platform is designed to help you reach readiness efficiently, not force you through every piece of content. You can book your exam when your ReadyRating and Concept Mastery indicate you're ready.

Requirements vary by province, role, and firm. Generally, you'll need to be sponsored by a registered firm, pass required proficiency exams (like CIRE and RSE), and meet any additional provincial or firm-specific requirements. Contact your sponsoring firm or provincial regulator for specific guidance.

Yes. The course is 100% online, self-paced, and offered in English. Whether you're in Alberta, Ontario, BC, or anywhere else in Canada, you can access your CIRE exam prep on your own schedule.

No. CIRO does not require candidates to complete a preparatory course before writing a proficiency exam. That said, most candidates choose to use an exam prep program to prepare efficiently and go in with certainty. BCC's adaptive platform is built specifically for that purpose — helping you focus on what matters and know when you're ready before you book.

We provide certificates of completion for internal tracking purposes, but these are not official regulatory documents. Your official exam results and licensing records are maintained by the regulatory body.

Visit our Contact page to reach our support team. We're here to help with any questions about the platform, courses, or your account.

Create a free account to access the Platform Preview. You'll get sample questions, flashcards, video lessons, and a preview of the adaptive study planning and Concept Mastery tracker. No credit card required. Once you're ready, you can purchase full course access from your account dashboard.

Readiness is based on demonstrated mastery across exam-aligned competencies, not time spent or content completed. The platform provides clear signals so you always know where you stand.

Traditional prep focuses on content coverage and practice volume. CIRO Exam Prep focuses on readiness.

Our adaptive learning platform continuously identifies what you know, what you don't, and what matters most, so you're preparing with evidence, not guesswork. Think of it as the smarter way to approach CIRO exam preparation online.

Yes. Business Career College's CIRO exam prep courses are delivered entirely online and are self-paced, so you can study around your schedule. The platform is available in English across Canada, whether you're in Alberta, Ontario, BC, or anywhere else.

Yes, but it is structured. You control when you study, while the platform guides what you study next based on your readiness. This balance helps reduce uncertainty and wasted effort.

Yes. We take data security seriously. For full details, see our Privacy Policy.

Yes. We are building CIRO Exam Prep around CIRO's published exam syllabi and proficiency framework. Content and assessments are structured to reflect how knowledge is evaluated, not just what topics exist. This applies to all exams in CIRO's proficiency framework, including CIRE, RSE, and other registration exams.

If you enrolled in a CSI course before January 1, 2026, successfully completed it and its exam before January 1, 2027, and your sponsoring dealer submits your application before January 1, 2027, your prior coursework may be recognized under the previous proficiency requirements. We'd recommend speaking with your sponsoring firm to confirm whether this applies to your situation.

Contact our support team through the Contact page and we'll help resolve any technical issues as quickly as possible.

CIRO's new proficiency model replaced the previous course-based licensing system for Investment Dealer Approved Persons as of January 1, 2026. Rather than requiring candidates to complete prescribed courses, the new model is exam-centric — giving you the flexibility to prepare in the way that works best for you before writing a proficiency exam. It's designed to uphold high standards while making the path to registration more accessible.

CIRO Exam Prep is designed for serious securities candidates preparing for CIRO proficiency and registration exams who want confidence based on evidence, not assumptions.

Oui. Tous les inscrits doivent avoir un numéro du Registre Canadien des Participants à l'Assurance (CIPR) avant de commencer le cours. Vous pouvez obtenir le vôtre sur le site de CIPR.

Yes. BCC is an approved provider of LLQP education. After passing your certification exams, BCC updates your CIPR record and you register for your provincial licensing exam through your provincial regulator.

No. Office Hours are an optional add-on. They are helpful if you want live support and real-time answers while you prepare.

Yes. Office hours will continue for learners who have access to them through their program or add-on.

If you complete your LLQP program before December 7, 2026 you will earn 30 A&S credits and 30 Life credits with AIC. Beyond December 7th 2026, this course will no longer be accredited for CE.

Yes. BCC offers a Top-Up Course that adds the Life Insurance and Segregated Funds & Annuities modules for the Quebec market.

Yes. BCC offers a Top-Up Course for A&S graduates who want to add the Life Insurance and Segregated Funds & Annuities modules.

Yes. Current learners can continue working toward their certification exams through the current platform during their access period.

Yes. The course is 100% online, self-paced, and offered in English. Whether you're in Alberta, Ontario, BC, or anywhere else in Canada, you can access your A&S course on your own schedule.

Yes. The course is 100% online, self-paced, and offered in English. Whether you're in Alberta, Ontario, BC, or anywhere else in Canada, you can access the LLQP on your own schedule.

You can, but you will need to complete the Ethics and Professional Practice - Common Law module.

No. Current learners cannot transfer into the new ReadyEngine program because there is no simple migration path between the platforms. Your course access and progress will remain on the current platform.

Yes, if you complete the Ethics and Professional Practice Common Law module, which allows you to practice in Common Law provinces. See our Ethics & Professional Practice Common Law Course.

Vous disposez de 12 mois à partir de la date d'inscription pour compléter vos examens de certification.

Yes. Completing the Ethics and Professional Practice - Civil Code certification exam is mandatory before booking the provincial Ethics exam through the AMF.

Yes. Completing the Ethics and Professional Practice - Common Law certification exam is mandatory before booking the provincial Ethics exam through FSRA or other regulators.

No. If you are already enrolled in the current LLQP program, you do not need to buy the new program because of this change.

Yes. You have access to the course for 12 months from the date of purchase. We recommend using your ReadyRating™ score to track your readiness and book your exam well within that window.

Yes. You have access to the course for 12 months from the date of purchase. Complete the course material, write your certification exam, and prepare for licensing within that window.

Yes. You have access to the course for 6 months from the date of purchase. Complete all course requirements and exams within that window.

Yes. You have access to the course for 12 months from the date of purchase. We recommend using your ReadyRating™ score to track your readiness and book your exam well within that window.

Yes. You have access to the course for 12 months from the date of purchase. Complete all modules and certification exams within that window.

Yes. You have access to the course for 12 months from the date of purchase. Complete the Life Insurance and Segregated Funds & Annuities modules, write your certification exams, and prepare for licensing within that window.

The LLQP Common Law course applies across Canada except Quebec. For Quebec, BCC offers LLQP Civil Code covering the same content, aligned to AMF licensing requirements. If you plan to practice in both jurisdictions, you'll need to complete the base course for one and the Ethics and Professional Practice module for the other.

No. The A&S Civil Code course covers Accident & Sickness insurance only. It does not include the Life Insurance and Segregated Funds & Annuities modules required for full LLQP designation.

After passing all certification exams, BCC updates your CIPR (Canadian Insurance Participant Registry) record, enabling you to register for the provincial licensing exam. The process varies by province — refer to your provincial insurance council or regulator website for specific steps. You may need a sponsoring insurance provider to apply for your licence.

Fully online and self-paced, powered by ReadyEngine™. You get video-based lessons, interactive learning activities, practice exams, and certification testing, all in one platform. Your ReadyRating™ updates after every session so you always know where you stand and what to focus on next.

Assessment is completed through online LLQP certification exams after finishing all quizzes, practice exams, and the certification exam.

You have 12 months from your original registration date to complete your LLQP program.

You have 12 months from the date of enrolment to complete the modules and exams.

Each student works at a different pace. Some may complete it in a couple of weeks, a few months, or take the whole year.

You have 12 months from enrolment to complete all modules and certification exams.

Yes. If you are already enrolled in the current LLQP program, your course remains valid. You can continue working through your program on the current platform.

Yes. Anyone that is licensed in Quebec but also wants to sell insurance products in another province → Ontario, BC, Alberta, Manitoba, or any other Common Law jurisdiction must complete this Ethics module to meet provincial LLQP rules.

Yes. Anyone who wants to sell life insurance, health insurance, or segregated funds in Canada must complete the LLQP and pass the certification exams before applying for a provincial insurance licence.

Yes, it meets LLQP certification standards required before licensing exams.

Yes. Anyone that is licensed in a Common Law province but also wants to sell insurance products in Quebec must complete this Ethics module to meet provincial LLQP rules.

Oui. Le cours complet du PQAP et le cours L'Accident & Maladie sont valides dans toutes les juridictions canadiennes, incluant le Québec.

Le PQAP (Programme de Qualification en Assurance de Personnes) est la version française du LLQP (Life Licence Qualification Program). Les deux programmes couvrent le même contenu basé sur les manuels CISRO/OCRA, mais le PQAP est offert entièrement en français.

Office Hours are live, virtual sessions built around your questions. Each LLQP module has its own session, so you join the one that matches what you are studying. Sessions are interactive and student-driven, so study first and bring your questions. After you buy the course with office hours included, you will get details by email on how to register and join each session.

You have access to the LLQP for 1 year. If it expires, you will need to re-enrol in the course and start from the beginning. Previous progress cannot be transferred over.

Your certification exams are proctored online. You will need a computer with a working webcam and a built-in or standalone microphone, plus a stable internet connection. Headphones with a built-in microphone are not accepted per exam guidelines. Get your setup ready before exam day.

The Life Insurance and Segregated Funds & Annuities modules — the two remaining modules required for full LLQP certification. Life Insurance Taxation Principles is also included as a non-examined reference module.

The course runs on ReadyEngine™ which includes a number of practice questions, flashcards, video lessons, practice exams, and a live readiness score that tells you when you're ready to book your exam.

This course includes all LLQP modules, video lessons, exam-style practice questions, flashcards, practice exams, AI Study Assistant, live exam readiness score, and Pass Guarantee.

After passing all certification exams, BCC updates your CIPR (Canadian Insurance Participant Registry) record. You then register for and write your provincial licensing exam through the regulator in your province. Once you pass, you apply for your licence through your provincial insurance council or regulator.

After you pass the required certification exams, BCC will continue to support the certification process so you can move forward with your provincial licensing exams.

CISRO/OCRA regulations allow four attempts per module for your BCC certification exams. After four unsuccessful attempts, you'll need to re-enrol in the full course. Provincial licensing exams have their own four-attempt limit, administered separately by your provincial regulator. Contact BCC's support team and we can help you plan your next steps.

If you reached ReadyRating Level 5 before sitting your exam and still didn't pass, the Pass Guarantee applies. We'll give you a full refund.

Life Insurance, Accident & Sickness Insurance, Segregated Funds & Annuities, and Ethics and Professional Practice (Civil Code). An additional Taxation Principles module is included for practical context but is not part of the certification exams.

The Life Licence Qualification Program (LLQP) is the mandatory pre-licensing education required to become a licensed life and health insurance agent in Canada. It covers Life Insurance, Accident & Sickness Insurance, Segregated Funds & Annuities, and Ethics and Professional Practice. You must pass the LLQP certification exams before applying for your provincial insurance licence.

The ReadyRating™ is a live composite score that runs from 1 to 5 and updates after every study session. At Level 5, the data says you're ready to book your exam. That's also when the Pass Guarantee applies. Sit your certification exam at Level 5 and don't pass? We'll give you a full refund.

The score runs from 1 to 5:

• ReadyRating 5: Greater than 80% probability of passing. Pass Guarantee applies.
• ReadyRating 4: 61% to 80% probability of passing.
• ReadyRating 3: 51% to 60% probability of passing. Considered the absolute minimum.

Your ReadyRating reflects demonstrated performance across exam-aligned concepts, not just content completion.

The LLQP is the mandatory pre-licensing program for Life and health insurance agents across Canada. The PQAP is the French-language equivalent, covering the same content and valid in all Canadian jurisdictions including Quebec. The GLQP is a separate program for entry-level general insurance licensing in Alberta, covering property and casualty insurance rather than life and health.

Once you pass the certification exams, you can register for your provincial exams with your provincial regulator and finalize licensing.

The Common Law course is designed for all Canadian provinces except Quebec. The Civil Code (Quebec) course is designed specifically for Quebec's Civil Code legal framework and prepares you for AMF licensing. If you plan to practice in both, you'll need to complete the base course for one jurisdiction and the Ethics & Professional Practice module for the other.

You will be able to book your provincial exams after you pass all required certification exams in your course. After completion, it takes about 1 business day to get certified. We will send you an email confirming your certification.

If you want to sell life insurance, health insurance, or segregated funds anywhere in Canada outside Quebec, start with the LLQP Common Law. If you want to practice in Quebec, start with the LLQP Civil Code, which meets AMF requirements. If you want to sell property and casualty insurance in Alberta, the GLQP is your starting point.

Anyone who wants to be licensed to sell Life, Accident & Sickness insurance and investments products in Quebec.

Advisors who already hold the Accident & Sickness Common Law insurance licence and now want the full Life Licence Qualification Program (LLQP) life insurance license, to practice across Canada (except Quebec).

Anyone who wants to sell life insurance, health insurance, or segregated funds products in Canada must complete the LLQP. This applies to new entrants to the industry, career changers, and licensed advisors who want to add insurance products to their practice.

Please contact BCC learner support. We can help you understand your timeline and your next steps.

Anyone planning to sell Accident & Sickness insurance products in Quebec. The Civil Code course is valid in Quebec only.

Anyone planning to sell life and accident and sickness insurance as well as investments products in any Canadian province except Quebec.

This module is for advisors who are already licensed under Common Law and want to expand their practice to include Quebec.

Advisors transferring from Quebec to a Common Law province need to complete the Ethics & Professional Practice – Common Law module to sell insurance products in a Common Law province.

If you've already enrolled in the Full LLQP Course (Common Law) or A&S Course (Common Law), this module is included.

Perfect for advisors wanting to specialize in health benefits, group insurance, disability insurance, and medical products.

Yes. BCC will continue to support current LLQP learners during their access period. This includes learner support and continued office hours for eligible learners.

No, your Accident & Sickness insurance licence remains valid but you will need to complete the Life Insurance and Segregated Funds & Annuities modules.

No. Your progress will remain in your current platform. Since learners cannot transfer to the new platform, you should continue working in the platform where you started.

Yes. BCC’s CFP® and QAFP™ Exam Prep programs include mock exams to help you practise, test your understanding, and identify areas for further review.

Yes. Both Core and Plus include mock exams to help you practise and identify areas for further review.

Yes. Both Core and Plus include mock exams to help you practise and identify areas for further review.

Yes. You can purchase your exam prep course now, even if you plan to write the exam at a later date.

Some employers may reimburse education costs. We recommend checking with your employer directly.

Some employers may reimburse education costs. We recommend checking with your employer directly.

Some employers may reimburse education costs. We recommend checking with your employer directly.

BCC’s financial planning exam prep courses do not expire. You’ll continue to have access to your course materials after enrollment.

No. BCC’s financial planning exam prep courses do not qualify for CE credits.

No. Weekly office hours are included in CFP® Exam Prep: Plus.

No. Weekly office hours are included in the Plus programs only.

No. Weekly office hours are included in QAFP™ Exam Prep: Plus.

Plus includes everything in Core, along with weekly office hours and a four-hour Exam Writing Skills session focused on exam strategy, case study navigation, time management, written responses, and judgment-based scenarios.

The Exam Writing Skills session focuses on exam strategy, case study navigation, time management, written responses, and judgment-based scenarios.

The Exam Writing Skills session focuses on exam strategy, case study navigation, time management, written responses, and judgment-based scenarios.

Core gives you self-paced access to on-demand recordings, practice materials, review resources, and mock exams. Plus includes everything in Core, plus weekly office hours and a four-hour Exam Writing Skills session.

CFP® Exam Prep is designed for learners preparing to challenge the Certified Financial Planner® exam. QAFP™ Exam Prep is designed for learners preparing to challenge the Qualified Associate Financial Planner™ exam.

Core gives you self-paced access to on-demand recordings, practice materials, review resources, and mock exams. Plus includes everything in Core, plus weekly office hours and a four-hour Exam Writing Skills session.

Core gives you self-paced access to on-demand recordings, practice materials, review resources, and mock exams. Plus includes everything in Core, plus weekly office hours and a four-hour Exam Writing Skills session.

Core is self-paced, so you can start when you’re ready. Plus also includes self-paced materials, with scheduled live support included as part of the program.

Core is self-paced, so you can start when you’re ready. Plus also includes self-paced materials, with scheduled live support included as part of the program.

We recommend starting as early as possible. Many learners begin studying three to four months before their planned exam date so they have enough time to review, practise, and build confidence.

Choose Core if you want flexible, independent study. Choose Plus if you want added support, opportunities to ask questions, and focused help with exam-writing strategy.

Choose Core if you want flexible, independent study. Choose Plus if you want added support, opportunities to ask questions, and focused help with exam-writing strategy.

Choose Core if you want flexible, independent study. Choose Plus if you want added support, opportunities to ask questions, and focused help with exam-writing strategy.

Not yet. Today, the firm covers the cost of assigned courses. The option to assign a course and have the candidate pay is coming soon.

Yes. Firms receive reporting visibility across registrants to support scheduling decisions and onboarding planning.

Yes. Once you assign courses to your team, you can see each candidate's live ReadyRating™ and training activity from one place. No need to ask candidates how they feel about the exam.

Yes. You can purchase licenses in bulk and assign CIRE and RSE prep to your candidates today. You can also see each candidate's ReadyRating™ and training activity as they progress.

Yes. You can purchase licenses in bulk and assign LLQP prep to your candidates today, then track each candidate's ReadyRating™ and training activity across your full cohort.

Yes. We offer volume licensing and enterprise arrangements for firms sponsoring multiple candidates. Book a discovery call to discuss what makes sense for your team size and licensing timeline.

Yes. We offer volume licensing for firms sponsoring multiple candidates. Contact our team to discuss what makes sense for your team size and licensing timeline.

Yes. Our Branded Storefront Partner option gives your team a co-branded learning hub with centralized access to licensing, certification, and course content, plus simplified enrollment workflows for managers and learners.

Yes. Your training dashboard gives real-time visibility into enrollment and completion, tracks certification milestones across branches or regions, flags learners who may need extra support, and produces executive-ready reports for compliance and workforce planning.

No. BCC is a CISRO-approved course provider. Internal L&D teams select the approved provider, and we work alongside your existing onboarding structure.

No. It supports and strengthens existing onboarding processes by adding measurable readiness visibility.

Book a discovery call with our team, and we'll map out the right mix of programs, pricing, and rollout timeline for your organization. Most firms are up and running within days of signing on.

Enterprise pricing scales with volume, with discounts of up to 65% off individual course rates depending on how many candidates you're licensing. We also offer bundled pathways for onboarding and career advancement, so pricing stays predictable as your team grows.

Yes. All course content is human-developed by a team of learning professionals and subject matter experts, mapped directly to the LLQP curriculum.

Yes. Every candidate session uses LearnerVerified™ identity verification and secure online proctoring. Firms get a full, defensible audit trail for every exam attempt.

Yes. Our CIRE and RSE Exam Prep content is built in alignment with CIRO's proficiency model and mapped directly to CIRO's official exam syllabi — so candidates are studying exactly what they need to know, and nothing they don't.

Enterprise CIRO exam prep provides firm-level visibility into candidate progress and readiness for CIRE and RSE proficiency exams. It combines adaptive learning with reporting tools on our platform to support oversight.

A firm-level licensing solution that lets you buy licenses in bulk, assign LLQP prep to your team, and track every candidate's readiness in real time. It runs on ReadyEngine™, BCC's readiness intelligence platform.

BCC's enterprise solutions currently cover CIRO Exam Prep and the Life License Qualification Program (LLQP), plus exam prep for the CFP® and QAFP® certifications. All programs run on the same ReadyEngine™ platform, so your team gets a consistent experience regardless of which licensing pathway they're on.