Your CE Requirements, plainly answered.
Mortgage and life insurance CE rules change by province, by licence type, and by renewal year. Tell us where you're licensed and what you do — we'll show you exactly what's required to keep your licence active.
CE questions, answered straight.
What happens if I miss my CE deadline?
Your licence will not be renewed, and you cannot legally practice until you complete all outstanding CE and reinstate your licence. In Ontario, FSRA has been explicit: no exceptions are granted for late or incomplete CE.
If your licence has been expired for more than a set period (usually 2 years in mortgage, 5 in life), you may have to re-do pre-licensing education entirely. Don't let it get that far.
Do CE hours from one province count in another?
For life insurance: usually yes, with conditions. Most provinces accept CE completed in your home jurisdiction if it meets or exceeds their own minimums. Non-resident agents are typically considered compliant once their home province's CE is done.
For mortgage CE: largely no. Each province sets jurisdiction-specific course requirements. Conduct CE from Ontario, for example, does not satisfy BCFSA's Legal Update.
Who reports my CE completion — me or the provider?
It depends on the province and the course. In Ontario, accredited Conduct CE providers (including REMIC) report directly to FSRA. Professional CE hours, however, are your responsibility to track and retain proof of.
As a rule: keep every certificate of completion for at least four years. Regulators audit, and the burden of proof is on you.
Can I claim sales training or motivational seminars as CE?
No. Across every jurisdiction, CE must relate to the technical, regulatory, or ethical aspects of your industry. Programs primarily focused on sales production, lead generation, motivation, or product promotion do not qualify — even if they're educational in tone.
I hold both a mortgage and a life licence. Do I need separate CE?
Yes. The two regimes are entirely separate. Mortgage CE satisfies mortgage renewal only; life insurance CE satisfies life insurance renewal only. A single course can sometimes count toward both if it's accredited for both, but most courses are not.
What records do I need to keep?
At minimum, for every CE course you claim: the provider name, course title, completion date, number of hours, and a certificate or transcript. Some regulators also expect course outlines on request.
Retention periods range from four to seven years depending on jurisdiction. Store digital copies in a folder you'll actually find again.
I'm in Quebec — why isn't my situation here in detail?
Quebec is regulated separately by the Autorité des marchés financiers (AMF), with its own PDU (Professional Development Unit) system and bilingual French-language requirements. REMIC offers AMF-approved CE for mortgage and segregated funds, but the Quebec life insurance regime is materially different from the rest of Canada and requires its own dedicated guidance. Contact us if you're licensed in Quebec.
This guide is helpful — but is it official?
This is a summary tool built from current regulator publications, intended to give you a fast, accurate overview. Always confirm the specifics of your renewal with your provincial regulator before relying on any single source — including this one. Links to primary sources are included on every results page.
Don't just learn the rules. Get the hours.
REMIC offers FSRA-accredited Conduct CE, professional development bundles, and life insurance CE — all online, all reported directly to your regulator where required.