https://brokerexam.ca/publications/ Free practice questions, a sectional diagnostic, and the law behind most answers and an explanation behind every one, for the RIBO Level 1 broker exam in Ontario. en-ca Tue, 27 Oct 2026 00:00:00 GMT https://brokerexam.ca/publications/ribo-good-character-requirement-licence-application/ https://brokerexam.ca/publications/ribo-good-character-requirement-licence-application/ How RIBO's Q&R Committee applied the good character rule to an applicant dismissed from RBC Insurance and to one who broke the exam rules. Tue, 27 Oct 2026 00:00:00 GMT https://brokerexam.ca/publications/ribo-discipline-uppal-false-transcript-student-discount/ https://brokerexam.ca/publications/ribo-discipline-uppal-false-transcript-student-discount/ Jaspreet Kaur Uppal fabricated a client's college transcript to satisfy an insurer's audit of a student discount. A panel ordered a three-month suspension. Sat, 24 Oct 2026 00:00:00 GMT https://brokerexam.ca/publications/co-insurance-clause-calculation-worked-through/ https://brokerexam.ca/publications/co-insurance-clause-calculation-worked-through/ The co-insurance calculation worked through from a commercial property form and a home policy endorsement, with sample numbers and the Ontario warning rule. Thu, 22 Oct 2026 00:00:00 GMT https://brokerexam.ca/publications/ribo-discipline-coons-forged-client-signature-renewal/ https://brokerexam.ca/publications/ribo-discipline-coons-forged-client-signature-renewal/ Christopher Coons signed a client's name on a renewal application to speed up her certificates. A panel ordered a reprimand and a two-month suspension. Tue, 20 Oct 2026 00:00:00 GMT https://brokerexam.ca/publications/ribo-spot-checks-2024-2025-findings/ https://brokerexam.ca/publications/ribo-spot-checks-2024-2025-findings/ RIBO completed 60 brokerage spot checks in 2024-2025 and referred nine to investigations. Its figures on trust money, Position Reports, disclosure and CE. Sat, 17 Oct 2026 00:00:00 GMT https://brokerexam.ca/publications/ribo-broker-second-job-sole-occupation-rule/ https://brokerexam.ca/publications/ribo-broker-second-job-sole-occupation-rule/ O. Reg. 991 allows only broking and life agency unless RIBO's QR Committee exempts another job. RIBO-005 lists jobs approved, needing review or not allowed. Thu, 15 Oct 2026 00:00:00 GMT https://brokerexam.ca/publications/ribo-discipline-bruce-altered-expired-policy-suspension/ https://brokerexam.ca/publications/ribo-discipline-bruce-altered-expired-policy-suspension/ Cairine Bruce altered an expired policy to show a lender coverage that did not exist. RIBO's Discipline Committee suspended her for four months. Tue, 13 Oct 2026 00:00:00 GMT https://brokerexam.ca/publications/passed-ribo-level-1-exam-steps-to-a-licence/ https://brokerexam.ca/publications/passed-ribo-level-1-exam-steps-to-a-licence/ A pass is not a licence. RIBO asks for a brokerage job, a criminal record check under 60 days old and an employment letter dated within 10 days of applying. Sat, 10 Oct 2026 00:00:00 GMT https://brokerexam.ca/publications/ribo-social-media-online-reviews-guidance-june-2026/ https://brokerexam.ca/publications/ribo-social-media-online-reviews-guidance-june-2026/ RIBO Guidance 006, published June 1, 2026: no quotes or advice over social media, advertising and AI content checks, client consent, and review manipulation. Thu, 08 Oct 2026 00:00:00 GMT https://brokerexam.ca/publications/ribo-discipline-galloway-water-damage-coverage-not-explained/ https://brokerexam.ca/publications/ribo-discipline-galloway-water-damage-coverage-not-explained/ William Derek Galloway never told clients their policy had no water damage coverage. A panel ordered a reprimand, a $2,000 fine and three hours of education. Tue, 06 Oct 2026 00:00:00 GMT https://brokerexam.ca/publications/ribo-errors-and-omissions-minimums-january-2027/ https://brokerexam.ca/publications/ribo-errors-and-omissions-minimums-january-2027/ For renewals on or after January 1, 2027, the revised RIBO errors and omissions endorsement reserves limits for Ontario work and sets a floor for each entity. Sat, 03 Oct 2026 00:00:00 GMT https://brokerexam.ca/publications/ribo-discipline-lavoie-uninsured-clients-fine/ https://brokerexam.ca/publications/ribo-discipline-lavoie-uninsured-clients-fine/ Heard in her absence, Brenda Lavoie was reprimanded and fined $25,000 after clients were told they had coverage that was never placed. Thu, 01 Oct 2026 00:00:00 GMT https://brokerexam.ca/publications/ribo-resigning-from-a-client-guidance/ https://brokerexam.ca/publications/ribo-resigning-from-a-client-guidance/ RIBO's guidance on ending a broker-client relationship: courtesy and good faith under the Code of Conduct, adequate notice, and the auto insurance exception. Sat, 26 Sep 2026 00:00:00 GMT https://brokerexam.ca/publications/ribo-discipline-heltcher-client-data-emailed-to-personal-account/ https://brokerexam.ca/publications/ribo-discipline-heltcher-client-data-emailed-to-personal-account/ RIBO's Discipline Committee reprimanded Scott Heltcher for emailing confidential client information to himself before he left his brokerage. Thu, 24 Sep 2026 00:00:00 GMT https://brokerexam.ca/publications/ribo-discipline-lehman-opcf-43-removed-at-renewal/ https://brokerexam.ca/publications/ribo-discipline-lehman-opcf-43-removed-at-renewal/ RIBO's Discipline Committee reprimanded Joseph Ronald Lehman after an insurer dropped a client's OPCF 43 at renewal and he never mentioned it. Tue, 22 Sep 2026 00:00:00 GMT https://brokerexam.ca/publications/ribo-discipline-switzer-misleading-answers-to-investigator/ https://brokerexam.ca/publications/ribo-discipline-switzer-misleading-answers-to-investigator/ RIBO's Discipline Committee reprimanded Jordan Switzer after he told a RIBO investigator a vendor had been re-engaged before it had been. Sun, 20 Sep 2026 00:00:00 GMT https://brokerexam.ca/publications/ribo-discipline-myers-non-renewal-notice-lapsed-coverage/ https://brokerexam.ca/publications/ribo-discipline-myers-non-renewal-notice-lapsed-coverage/ RIBO's Discipline Committee reprimanded Ryan David Myers and fined him $1,500 after a non-renewal notice was acted on late and a rental home went uninsured. Fri, 18 Sep 2026 00:00:00 GMT https://brokerexam.ca/publications/ribo-discipline-lau-facility-association-service-fees/ https://brokerexam.ca/publications/ribo-discipline-lau-facility-association-service-fees/ RIBO's Discipline Committee reprimanded Mark Norris Lau and his brokerage and fined them $350 over a missed cancellation and Facility Association fees. Thu, 17 Sep 2026 00:00:00 GMT https://brokerexam.ca/publications/ribo-discipline-sandhu-undisclosed-agent-licence-revocation/ https://brokerexam.ca/publications/ribo-discipline-sandhu-undisclosed-agent-licence-revocation/ RIBO's Discipline Committee reprimanded Kuldip Sandhu after his agent licence was revoked and his RIBO renewal denied any disciplinary action. Tue, 15 Sep 2026 00:00:00 GMT https://brokerexam.ca/publications/ribo-and-llqp-which-licence-you-need/ https://brokerexam.ca/publications/ribo-and-llqp-which-licence-you-need/ One line in the RIB Act draws the boundary: a RIBO licence covers general insurance and stops short of life. What that means if you want one, or both. Mon, 14 Sep 2026 00:00:00 GMT https://brokerexam.ca/publications/booking-the-ribo-level-1-exam/ https://brokerexam.ca/publications/booking-the-ribo-level-1-exam/ You register with one of two exam providers, not with RIBO. What its exam page and Exam Rules set out, and what they leave to the provider. Sun, 13 Sep 2026 00:00:00 GMT https://brokerexam.ca/publications/ribo-discipline-philips-unlicensed-intermediary/ https://brokerexam.ca/publications/ribo-discipline-philips-unlicensed-intermediary/ RIBO's Discipline Committee reprimanded Stephen Philips after he delegated client tasks, including an application signing, to an unlicensed referrer. Sat, 12 Sep 2026 00:00:00 GMT https://brokerexam.ca/publications/otl-to-ribo-equivalency-exam/ https://brokerexam.ca/publications/otl-to-ribo-equivalency-exam/ You hold an FSRA Other-Than-Life licence and want to work at a RIBO brokerage. RIBO's equivalency route asks you for one exam, not the Level 1 exam. Fri, 11 Sep 2026 00:00:00 GMT https://brokerexam.ca/publications/what-the-ribo-level-1-exam-and-licence-cost/ https://brokerexam.ca/publications/what-the-ribo-level-1-exam-and-licence-cost/ Exam: $325 an attempt since January 1, 2026. RIBO licence: $240 for October 1, 2025 to September 30, 2026; $265 for October 1, 2026 to September 30, 2027. Thu, 10 Sep 2026 00:00:00 GMT https://brokerexam.ca/publications/ribo-discipline-kuchinsky-coverage-not-placed-revoked/ https://brokerexam.ca/publications/ribo-discipline-kuchinsky-coverage-not-placed-revoked/ RIBO's Discipline Committee revoked Michael Caleb Kuchinsky's registration: a client's policy went unrenewed, and he paid the client's loss himself. Wed, 09 Sep 2026 00:00:00 GMT https://brokerexam.ca/publications/ribo-level-1-prep-courses-compared/ https://brokerexam.ca/publications/ribo-level-1-prep-courses-compared/ RIBO names two organizations with Level 1 courses and compares neither. What IBAO and the Insurance Institute publish on format, length and price. Tue, 08 Sep 2026 00:00:00 GMT https://brokerexam.ca/publications/how-the-ribo-level-1-exam-is-built/ https://brokerexam.ca/publications/how-the-ribo-level-1-exam-is-built/ 100 graded multiple-choice questions plus 15 pilots, so 115 in the room in three hours, weighted three ways by RIBO's blueprint. Mon, 07 Sep 2026 00:00:00 GMT https://brokerexam.ca/publications/ribo-discipline-peragine-extra-payments-taxi-drivers/ https://brokerexam.ca/publications/ribo-discipline-peragine-extra-payments-taxi-drivers/ RIBO's Discipline Committee reprimanded and fined Frank Peragine $2,500 after he admitted taking extra payments from taxi drivers and misleading two brokerages. Sun, 06 Sep 2026 00:00:00 GMT https://brokerexam.ca/publications/how-hard-is-the-ribo-level-1-exam/ https://brokerexam.ca/publications/how-hard-is-the-ribo-level-1-exam/ RIBO's 2024/2025 Annual Report puts the Level 1 pass rate at 51%, blended with the equivalency exams. What that covers, and how to plan study time. Sat, 05 Sep 2026 00:00:00 GMT https://brokerexam.ca/publications/ribo-discipline-nourian-backdated-application/ https://brokerexam.ca/publications/ribo-discipline-nourian-backdated-application/ RIBO's Discipline Committee suspended a broker for three months after she issued a temporary liability slip with no signed application and later backdated one. Fri, 04 Sep 2026 00:00:00 GMT https://brokerexam.ca/publications/ribo-level-1-exam-pass-rate-by-year/ https://brokerexam.ca/publications/ribo-level-1-exam-pass-rate-by-year/ RIBO has printed 51% in three annual reports running. What each figure counts, and why the last Level 1 only rate RIBO published was 46%. Fri, 04 Sep 2026 00:00:00 GMT https://brokerexam.ca/publications/ribo-review-september-2026/ https://brokerexam.ca/publications/ribo-review-september-2026/ RIBO's September 2026 newsletter: renewal extended to September 30, new licence certificates, the MTO ARIS deadline, and registering with a second brokerage. Thu, 03 Sep 2026 00:00:00 GMT https://brokerexam.ca/publications/what-to-study-for-the-ribo-level-1-exam/ https://brokerexam.ca/publications/what-to-study-for-the-ribo-level-1-exam/ RIBO publishes no textbook. What it does publish, free: a competency profile and blueprint, a curriculum guide, 79 sample questions, and the examinee resource. Wed, 02 Sep 2026 00:00:00 GMT https://brokerexam.ca/publications/failed-ribo-level-1-exam-what-to-do-next/ https://brokerexam.ca/publications/failed-ribo-level-1-exam-what-to-do-next/ The two-week wait, two attempts per provider, the 8-month lockout, and why there is no remark: what RIBO's Exam Rules say about rewriting. Mon, 31 Aug 2026 00:00:00 GMT https://brokerexam.ca/publications/is-the-ribo-level-1-exam-open-book/ https://brokerexam.ca/publications/is-the-ribo-level-1-exam-open-book/ What RIBO's exam rules actually allow, what the Consolidated Examinee Resource is, and what candidates report about searching it during the exam. Mon, 31 Aug 2026 00:00:00 GMT https://brokerexam.ca/publications/ribo-discipline-bourre-false-liability-slips/ https://brokerexam.ca/publications/ribo-discipline-bourre-false-liability-slips/ RIBO's Discipline Committee found Josephine Bourre guilty of misconduct for depositing client premiums personally and issuing false liability slips. Mon, 31 Aug 2026 00:00:00 GMT https://brokerexam.ca/publications/ribo-discipline-owanubi-false-benefit-claims/ https://brokerexam.ca/publications/ribo-discipline-owanubi-false-benefit-claims/ RIBO's Discipline Committee suspended a Level 1 broker for one month after she admitted submitting 39 false health claims to her employer's group insurer. Mon, 31 Aug 2026 00:00:00 GMT https://brokerexam.ca/publications/sabs-reform-2026-what-changed-for-ontario-brokers/ https://brokerexam.ca/publications/sabs-reform-2026-what-changed-for-ontario-brokers/ O. Reg. 383/24 made most Ontario accident benefits optional on July 1, 2026. What moved, what stayed mandatory, and what the exam resource now carries. Mon, 31 Aug 2026 00:00:00 GMT