Anyone wishing to obtain a representative’s certificate in insurance or claims adjustment must undertake a probationary period. The probationary period is an opportunity to incorporate in the workplace, under the supervision of a licensed representative, the knowledge, skills and professional attitudes required of representatives. During the probationary period, the trainee must complete at least 28 hours of work per week, during 12 weeks for a sector or 6 weeks for a sector class.

To be eligible for a probationary period, a candidate must:

  • have passed each of the examinations prescribed by the AMF, and the examinations must be valid when the probationary period is begun;
  • have the right to hold employment in Québec and have the necessary authorizations;
  • not be in any of the situations set out in sections 219 and 220 of An Act respecting the distribution of financial products and services This link will open in a new window:

    • have been subject to sanctions imposed by a disciplinary committee or a body in Québec, another province or another state that is responsible for supervising and monitoring persons acting as representatives;
    • have been convicted by a court inside or outside Canada of an indictable offence or criminal act linked to the pursuit of the activity of representative;
    • have been assigned a tutor, curator or adviser;
    • have declared bankruptcy or been placed under a receiving order;
    • not possess the degree of honesty considered necessary to pursue activities as a representative;
    • be in a situation that is incompatible with the pursuit of activities as a representative.

Submitting an Application for authorization of probationary period

The Application for authorization of probationary period (pdf - 291 KB)This link will open in a new window must be submitted by the employer or by the supervisorCertified representative, authorized by the AMF, who supervises a trainee during a training period or a probationary period. if he is an independent representative. The application can be submitted via AMF E-Services or by mail.

The AMF strongly recommends submitting the application via E-Services.

The AMF requires a maximum of 5 business days, plus mail time if AMF E-Services is not used, to process a duly completed application, make the necessary verifications and issue the probationary certificate

Submitting an Application for authorization of probationary period via AMF E-Services

To submit an Application for authorization of probationary period (pdf - 291 KB)This link will open in a new window, the trainee, the supervisor and the employer must be registered for AMF E-Services. The application is available in E-Services in the “Becoming a Professional” tab under “Probationary period – Trainee.”

 

Once the employer has completed the application, the trainee will be asked to fill out the Statement of Applicant and the supervisor will be asked to fill out the approval of supervision. The AMF will confirm the start date of the probationary period when it issues the trainee’s probationary certificate.

Submitting an Application for authorization of probationary period by mail

To file an Application for authorization of probationary period by mail, the application must be completed by the employer or by the supervisor if he is an independent representative. All required documents and statements must be joined to the application to ensure prompt processing.

The probationary certificate

Representatives’ activities are regulated by the AMF, which may issue a probationary certificate to a trainee upon approval of an authorization application. The certificate confers the title of trainee on the applicant for the duration of the probationary period. The trainee’s professional activities are overseen by an authorized supervisor.

During the probationary certificate validity period, the trainee’s activities are covered by the firm’s professional liability insurance and by the Fonds d’indemnisation des services financiers (financial services compensation fund). A probationary certificate issued by the AMF protects consumers by allowing them to be compensated in the event they incur damages as a result of errors, omissions, fraud or embezzlement committed by a trainee.

During the probationary period, the names of the trainee and the employer will appear in the Register of firms and individuals authorized to practise. It is important to verify the Register to ensure that the trainee’s name is listed. If not, please contact the AMF for further information

Individuals who perform professional activities reserved for a representative without holding a valid probationary certificate will be charged with illegal practice by the AMF. If found guilty, the individual’s eligibility for a representative’s certificate could be compromised.

The conduct of the probationary period

The probationary period starts at the date indicated on the probationary certificate. The probationary period must start with a presentation, by the supervisor, of the objectives of this period and the tasks which the trainee and the supervisor must carry out. At the beginning of the probationary period, the trainee can accompany a certified representative. However, the trainee will have to progressively assume the tasks reserved for representatives in order to develop and consolidate his or her professional skills.

Probationary period in the group insurance of persons sector

In the group insurance of persons sector, the trainee must also complete a case study for each selected sector class. The case study will validate the trainee’s understanding of the recommendation process. Supervisors and trainees in group insurance can use the model case studies provided by the AMF.

Case study — Group insurance plans  (pdf - 905 KB)This link will open in a new window

Case study — Group annuity plans  (pdf - 1,020 KB)This link will open in a new window

Case study solutions are available to supervisors upon written request to the AMF. These documents are confidential and their use should remain restricted. To obtain a copy, complete the form (pdf - 180 KB)This link will open in a new window below and submit it by e-mail.

Interruption and extension of probationary periods

The firm, supervisors or trainee may submit an application to interrupt the probationary period. The application may be sent via AMF E-Services or by mail. When filling out his statement, the trainee must provide evidence of the reason for interrupting the probationary period.

The probationary period can be interrupted for the following reasons:

  • Discontinued by employer
  • Professional departure
  • Trainee or supervisor health issues
  • Death of or trainee or supervisor or death in the family
  • Parental leave
  • Vacation period not given
  • Probationary period not started
  • Supervisor not in good standing
  • Change of supervisor in a period of less than 10 days
  • NSF cheque
  • Any other reason of superior force 

Once the AMF has processed the application, the employer can submit an application to extend the probationary period provided the interruption does not exceed 4 weeks.

Successful completion of the probationary period

To successfully complete the probationary period, the trainee must complete at least 28 hours of work per week, during 12 weeks for a sector or 6 weeks for a sector class. The successful completion of the probationary period is not based on the achievement of specific prospection or sales goals but rather on the trainee’s ability to work, independently and without assistance, on cases normally seen at the start of a career.

At the end of the probationary period, the supervisor has 10 days to submit his recommendation to the AMF. The recommendation must be approved by the employer.

Documentation and tools

The Probationary Period Guide (pdf - 1 MB)This link will open in a new window provides tips to help ensure a successful probationary period.