BC RIA Framework · Effective January 1, 2027

Training accreditation opens July 2026 · Licence applications open November 2026

Restricted Insurance Agency Training

BC's new licensing rules start in 2027. We'll be ready. So will you.

ILScorp's RIA Training Program is built around the Insurance Council of BC's Performance Requirements — with core regulatory and conduct modules, plus product- and industry-specific modules tailored to your business. Get on the list for accreditation, pricing, and launch updates.

Get notified when we launch

Be the first to know when the program is accredited, available for enrolment, and ready for your team.

We'll only email you with RIA program updates. No marketing fluff.

Need to talk now? Have specific questions about partner programs, group training, or your industry's requirements?

Contact ILScorp →

What's happening when

Three dates to know

The transition to BC's new RIA framework happens in stages. Here's what each one means for your business.

July 2026

Accreditation Opens

The Insurance Council begins accepting training course accreditation submissions. ILScorp will submit its RIA program for review.

November 2026

Licence Applications

Businesses can begin applying for their Restricted Insurance Agency licence. Designated Representatives can be named and onboarded.

January 1, 2027

Framework In Effect

The RIA Licence is required to sell eligible insurance products in BC. All representatives must have completed accredited training.

Who needs RIA training

Nine industries. Eleven product classes.

If you offer insurance as part of how you serve customers, the new framework applies to you. Click any industry below to see how the training applies to your environment.

Motor Vehicle Dealers

Credit protection, GAP, vehicle warranty

Learn more →

Equipment Dealers

Construction & farm equipment warranty, GAP

Learn more →

Pleasure Craft Dealers

Pleasure craft warranty insurance

Learn more →

Travel Agents

Travel insurance, wholesalers

Learn more →

Electronics Vendors

Portable electronics insurance

Learn more →

Mortgage Brokers

Credit protection insurance

Learn more →

Rental Agencies

Rented vehicle insurance

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Funeral Providers

Funeral services insurance

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Cargo & Logistics

Customs brokers, freight forwarders

Learn more →

The training applies to all RIA-affected businesses.

The Insurance Council of BC's framework affects more business types than the nine industries highlighted above — including credit grantors, deposit-taking institutions, trust companies, extra-provincial trust corporations, customs brokers, freight-forwarding companies, transportation companies, travel wholesalers, and peer-to-peer vehicle service providers, among others identified in the Council's Restricted insurance cross-reference guide.

Every learner completes the six core modules plus the product modules relevant to what their business offers. If your business offers any of the eleven RIA product classes, the training applies to you — get in touch and we'll confirm scope and recommend the right module combination for your team.

The program

Built around the Council's standards.

Six core modules cover the regulatory and conduct foundation, mapped to the Insurance Council's three competency areas: Knowledge of Insurance, Technical Abilities, and Business Skills. On top of that, every learner takes the product modules relevant to what their business offers, plus the industry module for their environment.

Core Modules

Product Modules

Industry Modules

RIA Framework

Insurance Fundamentals

Sales, Explaining & Processing

Compliance, Disclosure & Regulatory Responsibilities

Ethics, Conduct & Customer Protection

Integrated Customer Conversations & Applied Decision Making

Plus 11 product modules (Credit Protection, GAP, Vehicle Warranty, Travel Insurance, Portable Electronics, Funeral, Rental Vehicle, Cargo, Pleasure Craft Warranty, Construction Equipment Warranty, Farm Implement Warranty) and 9 industry modules — your team only takes what's relevant to your business.

Inside the training

How the program teaches the conversation.

Every industry module pairs sample compliant conversations with the customer scenarios your team actually encounters. Here's a small sample of what's inside.

Motor Vehicle Dealers · Module 6 sample

Say this, not that.

The curriculum compares compliant language with the kind of language that creates regulatory risk. Here's one example from the dealership module.

✓ Say This

"These three products are all optional. Each one is designed to help with a different situation. None of them affect your financing approval. I can walk you through each one so you can decide what fits your situation."

✗ Don't Say This

"Most people take all three — and it'll help your financing go through smoother."

Mortgage Brokers · Industry module scenario

A customer with three days to closing.

"My closing is in three days and I just need to sign whatever you put in front of me."

✓ Even with the timeline, I need to walk you through the optional credit protection product so you can decide before you sign.

Time pressure doesn't remove the requirement for proper disclosure. The training works through this exact scenario, including the three incorrect responses that look reasonable but fail the Code of Conduct.

Each of the nine industries has its own module with industry-specific scenarios and sample conversations.

About accreditation

ILScorp's RIA Training Program has been developed to align with the Insurance Council of BC's published Performance Requirements. Accreditation submissions open in July 2026, and we'll be submitting our program for review as soon as the Council's process is live. We'll keep this page updated as our accreditation moves forward.

Common questions

Frequently asked

When will the program be available for enrolment?

We're preparing to submit the program for accreditation in July 2026, when the Insurance Council of BC opens its review process. We'll share enrolment availability as soon as we can. The best way to be first to know is to sign up at the top of this page.

How much will the program cost?

Pricing will be confirmed closer to launch and will depend on the modules and product classes relevant to your business. We'll share specifics with everyone on our update list before public announcements.

Who at my business needs the training?

Any employee who offers, explains, sells, or processes one of the eligible insurance products on behalf of your business will need to complete accredited training before January 1, 2027. Your Designated Representative will additionally need to complete a separate course administered directly by the Insurance Council.

What's a Designated Representative?

Each RIA-licensed business must appoint a Designated Representative — an officer, director, or partner of the business — who oversees regulatory compliance and serves as the primary contact with the Insurance Council. The Designated Representative must complete a specialized course administered by the Council itself, separate from the product training your representatives need.

Can I refer my clients to ILScorp?

Yes. We offer partner and referral arrangements for brokers, vendors, and trade associations whose clients will need RIA training. Reach out via the contact button and we'll walk you through the options.

What if my business sells multiple product classes?

The program is modular. You only train on the products and contexts relevant to your business. A construction equipment dealer offering credit protection and warranty insurance won't need the same modules as a travel agency, and pricing scales accordingly.