Insurance of persons and Group insurance of persons
A candidate must score at least 60% to pass each examination prescribed by the AMF. A candidate is considered to have failed an examination if he or she fails to comply with the instructions given during the examination session. However, a failure may be cancelled by the AMF where warranted by exceptional circumstances.
In the insurance of persons sector or group insurance of persons sector, an examination is valid for a period of one year as of the date the candidate passed the first examination.
Since September 15NOTE, 2025, a candidate who fails an initial examination is entitled to rewrite that examination three times, provided that the training required as minimum qualifications is valid. The training required as minimum qualifications is valid for one year from the date it is successfully completed.
A candidate who fails the third supplemental examination must wait for a period of one year as of the date of the failed attempt before reregistering for the initial examination
Rules in effect until September 14, 2025
For a single examination, a candidate is entitled, if he or she fails an examination, to write as many supplemental examinations as necessary, provided that the training required as minimum qualifications is valid. The validity period of this training is one year from the date the training is successfully completed.
Registration for a third or fourth supplemental examination can only take place three months as of the date of the most recent failed attempt. Any registration for a supplemental examination on or after September 15, 2025, must comply with the new rules in effect as of that date.
Registration for any subsequent supplemental examination can only take place six months as of the date of the most recent failed attempt. Any registration for a supplemental examination on or after September 15, 2025, must comply with the new rules in effect as of that date.
Damage insurance and Claims adjustment
A candidate must score at least 60% to pass each examination prescribed by the AMF. A candidate is considered to have failed an examination if he or she fails to comply with the instructions given during the examination session. However, a failure may be cancelled by the AMF where warranted by exceptional circumstances.
In the damage insurance sector or claims adjustment sector or a class of these sectors, an examination is valid for a period of two years as of the date the candidate passed the examination.
A candidate who fails the initial examination is entitled to write three supplemental examinations. However, a candidate who has failed an examination and does not register for the supplemental examination within a period of two years as of the date he or she failed the examination, must submit a new application for examination registration authorization and then reapply to register for the initial examination.
Before submitting a registration application for a third supplemental examination, a candidate must successfully complete the courses related to the failed examination with a training body recognized by the AMF or, failing that, a privately tutored course recognized by the AMF. Proof of successful completion of the courses must be submitted along with the application for examination registration authorization.
A candidate who fails the third supplemental examination must wait for a period of two years as of the date of this failed attempt before he or she submits a new application for examination registration authorization and reapplies to write the initial examination.
Do you have an exam rewrite scheduled for January 2027 or later? Here’s what you need to know.
The AMF has updated the Damage Licence Qualification Program and Claims Adjustment Qualification Program to ensure that future representatives possess the necessary knowledge and competence to respond to changes in the practices and realities of the sector.
Starting in January 2027, new examinations will replace the current ones.
Damage insurance
As of January 5, 2027, examination:
03-114 – Integrate into practice the general principles of law applicable to damage insurance and the rules governing the activities of damage insurance representatives
will be replaced by examination:
03-124 - Set up a professional practice in compliance with the rules governing the activities of damage insurance representatives
This change apply to both initial and supplemental examinations.
If you failed examination 03-114 and you are still eligible for a rewrite on or after January 5, 2027:
- your rewrite will be for the new examination 03-124;
- the rewrite will be considered an initial attempt for examination 03-124;
- you will therefore have four attempts to pass this new examination (1 initial examination and 3 supplemental examinations)
The rules for rewriting examinations remain unchanged.
How can you prepare?
If your initial examination or rewrite is scheduled for January 2027 or later, we recommend using manual E-145 
This link will open in a new window, which supports competency 03-124.
Manual Ethics and professional practice – Damage insurance and Claims adjustment (E-145), 1st edition 2026 This link will open in a new window supports the development of the following competencies:
- 03-124 - Set up a professional practice in compliance with the rules governing the activities of damage insurance representatives.
- 05-125 – Set up a professional practice in compliance with the regulations governing the activities of claims adjusters
Claims adjustment
05-115 – Integrate into practice the general principles of law applicable to damage insurance and the rules governing the activities of claims adjusters
will be replaced by examination:
05-125 – Set up a professional practice in compliance with the regulations governing the activities of claims adjusters
These changes apply to both initial and supplemental examinations.
If you failed examination 05-115 and you are still eligible for a rewrite on or after January 5, 2027:
- your rewrite will be for the new examination 05-125;
- the rewrite will be considered an initial attempt for examination 05-125;
- you will therefore have four attempts to pass this new examination (1 initial examination and 3 supplemental examinations)
The rules for rewriting examinations remain unchanged.
How can you prepare?
If your initial examination or rewrite is scheduled for January 2027 or later, we recommend using manual E-145 This link will open in a new window, which supports competency 05-125.
Mortgage brokerage
A candidate must score at least 60% to pass each examination prescribed by the AMF. A candidate is considered to have failed an examination if he or she fails to comply with the instructions given during the examination session. However, a failure may be cancelled by the AMF where warranted by exceptional circumstances.
In the mortgage brokerage sector, an examination is valid for a period of two years from the date the candidate passed the first examination.
Since September 15NOTE, 2025, a candidate who fails an initial examination is entitled to rewrite that examination three times, provided that the training required as minimum qualifications is valid. The training required as minimum qualifications is valid for two years from the date it is successfully completed.
A candidate who fails the third supplemental examination must wait for a period of one year as of the date of the failed attempt before reregistering for the initial examination. The candidate must also successfully repeat the training required as minimum qualifications, even if the training required as minimum qualifications is still valid.
Rules in effect until September 14, 2025
A candidate who fails one or more examinations four times must repeat the career entry process in order to become a mortgage broker. The candidate must successfully repeat the training required as minimum qualifications before reregistering to attempt the examinations. Once that training has been successfully completed, the candidate may write a first examination and three supplemental examinations, if necessary.