卑诗省保险委员会-BC-ICBC (The Insurance Council of British Columbia)

加拿大签证与移民 加拿大职业资格认证
1

卑诗省保险委员会 About ICBC飞出国

卑诗省保险协会由工业代表和消费者代表组成，尽管背景不同，但一同履行协会使命。不管是不是以投票方式，选择他们主要是因为他们的保险专业知识及表现出服务公众的兴趣。

The Insurance Council of British Columbia is made up of industry and consumer representatives. Each member brings a unique background to assist Council in fulfilling its mandate. Both voting and non-voting Council members are selected for their expertise as insurance professionals and their demonstrated interest in serving the public.

LLQP

如何满足条件，获得许可证 HOW TO QUALIFY AND OBTAIN A LICENCE 飞出国##

这部分将详细讲述各类资格证书类别、等级、申请资质要求（教育、工作经验）、费用以及其他注意事项。

-初次申请该证书，请阅读该重要信息“只针对于初次申请人”。

  • 如果你是再一次申请该证书，或者已经离开该行业有一段时间了，除其他材料外，还需要提交一份犯罪记录审查。请仔细阅读这部分信息。
  • 非卑诗省常住居民与常住居民的申请要求一样，不过也有例外情况。请仔细阅读非常住居民信息页。
  • 如果打算从事申请证书对应的其他业务活动，申请证书前请仔细阅读该部分信息“利益冲突和其他业务活动”。
  • 如果考虑作出等价请求，请阅读该部分信息。

许可证书分为以下类别：

  1. 人寿、事故和疾病保险；
  2. 一般保险；
  3. 保险理算；
  4. 意外和疾病；
  5. 旅行保险机构；

注：如果想要了解年度信息，修改许可证上的名字，或者更新在该协会的信息，请查阅“更新、变更信息”部分的内容。

This section will provide you with information on how to qualify (education and experience) and apply for various licence types (including corporations and partnerships) and levels including forms, instructions and fee information.

  • If you are applying for your first licence read this important information JUST FOR FIRST TIME APPLICANTS.
  • If you are applying for a first time licence, or have been out of the industry for sometime, you may also have to submit a CRIMINAL RECORD CHECK with your application. Review that section of this site carefully.
  • If you are a non-resident of British Columbia, you must meet the same requirements as a resident, with some exceptions and additions. Read this NON-RESIDENTS Information Page.
  • If you have or intend to hold other business activities, other than those authorized under the licence you are applying for, you must read this page on CONFLICT OF INTEREST / OTHER BUSINESS ACTIVITIES carefully before applying for a licence.
  • Read this page if you are considering making an EQUIVALENCY REQUEST.

Click on the class of licence you wish to apply for on the list below:

  1. LIFE AND ACCIDENT & SICKNESS INSURANCE;
  2. GENERAL INSURANCE;
  3. INSURANCE ADJUSTING;
  4. ACCIDENT & SICKNESS;
  5. TRAVEL INSURANCE AGENCIES.

NOTE: If you are looking for information on annual filings, amending the name on your licence or updating your information with Council, look under UPDATE / CHANGE INFORMATION.

http://insurancecouncilofbc.com/PublicWeb/JustForFirstTimeApplicants.html

初次申请人信息 Information FOR FIRST TIME APPLICANTS 飞出国###

不管申请何种证书，个人、企业或合伙关系许可证书，请在提交申请前阅读下面信息了解具体情况。

开始工作前

新申请人通常认为只要符合学历要求、找到工作签了劳动合同，就可以工作，这是错误想法。事实上，必须向协会提交正式申请，申请通过并获得许可证书后才能作为代理、销售和理算员从事相关工作，没有相关的从业许可证，不可以从事保险活动。

提交申请

该网页上有大量信息，还有很多申请材料可以下载。如果申请材料超过百分之五十不完整，会导致许可证书申请被搁置。所以，要早些提交申请，并认真阅读证书申请资质要求和申请说明，里面包含了你需要的所有信息，有助于成功完成申请。

  • 不要依赖于其他人告诉你怎么做。
  • 不要让他人填写你的个人信息。
  • 请花时间详细了解整个申请流程。

如果确定已经提交了要求的所有申请材料，处理地就会很快很加单。如果申请的是人寿保险、一般保险或理算员许可证书，请认真阅读“无犯罪记录审查”部分的信息。

可以通过“查询已得到许可人员”确认申请是否通过。如果无法在线查询当前申请状态，且距提交申请材料已经过去10个工作日，可以联系协会办公室，进一步了解情况。

协会会审核申请材料是否合适，之前是否有刑事、破产记录，纪律处分或被拒记录。下面是具体概括的内容。

需注意的是，提交申请前，必须提交完整的申请材料，包括无犯罪记录、申请费、教育和工作经验相关证明材料。

拿到许可证后

拿到许可证后，需要承担很多责任与义务。仔细阅读协会规定和行为准则，阅读责任部分的内容了解自己应承担的责任。如果找不到这些规定或行为准则，请联系协会办公室。

既然已经选择了保险行业，较高的职业标准对于客户和本人都是有利的。如果你有协会发布的材料未涉及的执业疑问，请联系协会办公室，我们会尽可能帮助您。

适用性审核

协会制定相关规定的目的是使申请人满足协会对于保险许可证申请的资质要求。在审核申请材料时，审核人根据法案、规定和协会政策来确定申请人是否满足申请条件，是否需要对申请人做进一步的调查。该部分内容只强调了对于初次申请人的重要信息。

刑事定罪及控告

协会必须确保申请人和持证人没有任何犯罪记录，因为任何有犯罪历史的个人都不符合许可证申请条件。所以，申请人必须提交一份个人犯罪记录审查，并告知所有已定罪名和待确定的控告，其中包括无条件的或有条件的释放。

如果申请人犯罪，罪名相关，但是已释放的情况下，协会在审核申请人是否合格时会考虑这些因素。

未解决的罪名指控

协会不会考虑有相关犯罪记录的初次申请人的申请，除非该罪名指控已被解除。如果罪名成立，申请人必须遵守协会关于有犯罪记录的申请人的处理指南。

合伙关系和企业

对于伙伴人、管理人员、董事人员、控股股东、员工和被提名人的犯罪指控（包含正在进行的指控），协会在决定其是否有合作伙伴和企业适用性时会考虑这些因素。在犯罪信息坦诚和审核方面，对所有申请人和已注册个人都有一样的要求。

个人金融可靠性

根据申请表，破产法下，无论是否是金融产品或服务的销售和交易，只要有涉及，申请人都需要批露文件，安排和其他诉讼程序。

合作人和企业的金融可靠性

根据申请表，破产法下，无论是否是金融产品或服务的销售和交易，只要有涉及，申请人都需要批露文件，安排和其他诉讼程序。

以前的纪律处分或许可证拒签

协会要求申请人在申请表中说明任何有关记录处分和诉讼情况（任何司法管辖区金融服务监管者、任何专业人士或职业人士对申请人的诉讼都包含在内），来确保申请人满足申请适应性要求。申请人还必须说明自己之前是否有过类似机构许可证申请/注册失败的经历。

Information FOR FIRST TIME APPLICANTS

Whether You Are Applying For An Indivdual, Corporate or Partnership Licence
Please Read The Following Page In Its Entirety Before Finalizing Your Application.

BEFORE YOU START WORK

New applicants often believe they can begin work once they have completed the education requirements and have obtained employment or a contract. This is not true. Regardless of what you hear to the contrary, in order to work as an agent, salesperson or adjuster, you must submit a fully completed application to Council and the application must be approved before you are licensed. You may not conduct insurance activities if you do not hold an active licence.

MAKING AN APPLICATION

There is a great deal of information in this website and in the application packages you can download. In excess of 50% of applications received are missing something. This results in delays in the licensing process. Start the process early and read through the appropriate Licence Qualifications section and the application instructions carefully. These contain the information you need to complete your application accurately.

  • Do not depend on someone else to tell you what to do.
  • Do not allow someone else to complete your personal information.
  • Do take the time to understand the whole process.

If you ensure you submit all the requirements as needed, the process will proceed more quickly and easily. If you are applying for a life insurance, general insurance or adjuster licence, read the Criminal Record Check section carefully.

You can see if your application has been approved through the Search Licensees. If you cannot confirm your licensing status through the website and it has been more than 10 business days since all of your application requirements have been received by Council, contact our office for further information.

Your application will be reviewed for suitability requirements, including criminal and bankruptcy and any prior disciplinary or licence refusals. An overview of this review is outlined below.

It is also important to note that applicants must submit a fully completed application, including as required a criminal record check, fees and proof of completion of the required education and experience requirements, before Council can make a determination on whether a licence will be issued.

ONCE YOU HAVE A LICENCE

Once you have a licence, you have a number of responsibilities and obligations. Read Council Rules and the Code of Conduct carefully and review the Licensee Responsibilities section to familiarize yourself with your responsibilities. If you have trouble locating either the Rules or the Code, call our office.

You have chosen a career in the insurance industry and setting high standards of practice can only help both you and your clients. If you have questions on practice issues that are not covered in Council’s published material, contact our office and we will assist whenever possible.

SUITABILITY REVIEW

The Rules require applicants to satisfy Council they are suitable to hold an insurance licence before granting a licence. When considering a licence application, staff review the information provided in accordance with the Act, Rules and Council policies to determine whether a licence may be issued or further investigation is required. The information provided in this section addresses only highlights of the review conducted on a first time application.

Criminal Convictions and Charges

Council must ensure that applicants and licensees have not been convicted of any offence that reveals them unfit to hold a licence. Applicants are therefore required to obtain a CRIMINAL RECORD CHECK and disclose all convictions and pending criminal charges, including where an absolute or conditional discharge has been granted.

Where the applicant has committed an offence for which a discharge has been granted and the offence is considered relevant, Council may review the circumstances in assessing the applicant’s suitability.

Outstanding Criminal Charges

Council will not consider first time applicants charged with a relevant offence until the charge has been disposed of. Then the applicant, if convicted, will be subject to Council’s guidelines regarding convictions.

Partnerships and Corporations

Council considers criminal charges (including pending charges) of partners, officers, directors, controlling shareholders, employees and nominees in determining the suitability of the partnership or corporation. All disclosure requirements and reviews are similar to those of individual applicants and licensees.

Financial Reliability of Individuals

Applicants are required to disclose filings, arrangements or other proceedings under bankruptcy and insolvency legislation in which the applicant was involved, whether or not it is related to the sale or trade of financial products or services, in accordance with the application form.

Financial Reliability of Partnerships and Corporations

Applicants are required to disclose filings, arrangements or other proceedings under bankruptcy and insolvency legislation in which the applicant was involved, whether or not it is related to the sale or trade of financial products or services, in accordance with the application form.

Prior Disciplinary Actions or Refusal of Licence

Council ensures that applicants meet the suitability requirements by requiring them to disclose on applications any disciplinary actions taken or proceedings commenced against them by any financial services regulator (insurance or otherwise) or any professional or occupational body in any jurisdiction. Applicants must also disclose previous refusals of licences or registrations by such organizations.

http://insurancecouncilofbc.com/PublicWeb/LQ_LifeInsurance.html

一、人寿保险 Life Insurance 飞出国##

法案第168款对保险代理人的定义为：除了保险公司或省外保险企业以外的个人请求、得到或促成一个保险申请，或者协商达成一份保险，或签订一份保单，或得到一份保险金。

点击你打算申请的人寿保险许可证类型，了解申请资质、申请表、说明和费用表等相关情况：

  1. 个人人寿保险代理许可证：

如果打算使用个人名义而不以雇主名义执业，可申请该许可证。

  1. 独资经营人寿保险代理许可证：

如果打算使用商业名称或以雇主名义执业，可申请该许可证。

  1. 企业或合伙人人寿保险代理许可证：

如果打算自己开一家人寿保险代理公司或合作企业，可申请该许可证。

Section 168 of the Act defines an insurance agent as: “…a person, other than an insurance company or an extraprovincial insurance corporation, who solicits, obtains or takes an application for insurance, or negotiates for or procures insurance, or signs or delivers a policy, or collects or receives a premium.”

To obtain qualification details, application forms, instructions and fee schedules, click on the type of life insurance licence you wish to apply for from the following list:

  1. INDIVIDUAL LIFE INSURANCE AGENT LICENCE:

Choose this if you are an individual who plans on using only your own name and do not wish to act as an employer.

  1. SOLE-PROPRIETOR LIFE INSURANCE AGENT LICENCE:

Choose this if you are an individual who wishes to use a trade name and/or act as an employer.

  1. CORPORATE OR PARTNERSHIP LIFE INSURANCE AGENT LICENCE:

Choose this if you are planning on opening a life insurance agency as a corporation or a partnership.

1. 个人人寿保险代理许可证 Individual Life Insurance Agent Licence 飞出国###

教育：

人寿保险许可证申请人需先完成人寿保险资质项目（LLQP）。LLQP包含必修的课和对应的资质考试（多项选择题）。由独立的被认可的课程机构提供LLQP教育课程。完成这些课程后，申请人需要在一年内通过协会安排的LLQP资质考试。考试成绩在一年内有效。如果一年以后才拿到该许可证，必须再次参加该考试进行资质认证。

协会不提供费用、授课方式或授课计划方面的信息。可在“联系方式-课程提供机构”中查找课程提供机构的联系方式。

商业名称

保险许可证上必须标注有业务全称。例如，如果John Doe 想要以“John Doe Insurance Services”名义执业的话，他必须申请一个独资经营人寿保险代理许可证。

金融规划

金融规划师（或类似头衔）协会指南。阅读协会提供的“金融规划师通知”。

Education:

Applicants for a life insurance licence must complete the Life Licence Qualifying Program (“LLQP”). The LLQP consists of a mandatory education course and a qualifying licensing exam (multiple choice) based on the course. Independent approved course providers provide the LLQP course. Once applicants complete the course, they must then successfully complete Council’s LLQP licensing exam within one year. The results from successful completion of Council’s LLQP examinations are only valid for licensing purposes for a period of one year from completion date. Applicants who wait longer than one year to obtain a licence will have to requalify.

Council does not have information regarding costs, delivery methods or scheduling. Contact information for course providers can be found under HANDY LINKS AND CONTACTS - LLQP EDUCATION PROVIDERS.

Trade Names

The insurance licence must carry all names under which business will be conducted. For instance, if John Doe wants to conduct business as “John Doe Insurance Services”, he must apply as a SOLE PROPRIETOR LIFE INSURANCE AGENT.

Financial Planning

If you intend to hold yourself as a Financial Planner (or similar title), Council guidelines exist. Read Council’s FINANCIAL PLANNING NOTICE.

http://insurancecouncilofbc.com/PublicWeb/LQ_LI_SoleProprietors.html

2. 独资经营人寿保险代理许可证 Sole-Proprietor Life Insurance Agent Licence 飞出国###

如果想要以代理机构（不是合作合伙关系和企业）名义执业，需要持有独资经营许可证，该许可证也适用于那些想要以商业名称执业的独立人寿保险代理人。独资经营人需满足以下条件：

  • 满足作为个人人寿保险代理的资质条件；
  • 根据企业人寿保险申请的规定，在卑诗省企业注册机构进行注册；
  • 符合企业人寿保险申请中规定的代理机构名称要求（包括商业名称）；
  • 如果独资经营人不满足候选人的要求，又想有持证的代理人代表该代理机构，改候选人必须持有许可证。点击这里阅读更多关于被提名人的信息。

想取得独资经营人许可证，不论是个人还是企业都必须满足同样的条件。申请人需要准备所有针对于个人人寿保险代理许可证的申请材料。

Where an individual wishes to act as an agency without forming a partnership or corporation, a sole-proprietor licence may be issued. A sole-proprietor licence is also obtained for an independent life insurance agent who wishes to operate under a trade name. A sole-proprietor must:

  • meet the same licensing requirements as an INDIVIDUAL LIFE INSURANCE AGENT;
  • register with the B.C. Corporate Registry (“Registry”)as outlined under CORPORATE LIFE INSURANCE APPLICATIONS;
  • meet the Agency Name requirements (including trade names) as outlined under CORPORATE LIFE INSURANCE APPLICATIONS; AND
  • if the sole-proprietor does not meet the requirements to act as a nominee, and wishes to have other licensed agents represent the agency, then a nominee must be licensed. CLICK HERE TO READ MORE ON NOMINEE REQUIREMENTS.

A sole-proprietor licence is subject to the same standard licence conditions as both an individual and a corporate licence. Applicants use the licence application package for INDIVIDUAL LIFE INSURANCE AGENTS.

http://insurancecouncilofbc.com/PublicWeb/LQ_LI_CorporateorPartnership.html

3.人寿保险企业或合伙人代理许可证Life Insurance Corporate or Partnership Agent Licence 飞出国###

企业必须满足以下各种条件，才能成为人寿保险代理：

候选人

  1. 每一个代理机构都必须有一个指定的代理候选人。候选人对代理机构许可证有优先权，并对该机构和员工的保险活动负责。候选人必须是该机构的领导、主任、合作人、或省级高级管理人员。
  2. 如果保险机构在某地有授权代表，而没有候选人，则候选人必须在过去7年里至少有5年的人寿保险代理工作经验。

卑诗省企业注册机构进行注册的代理机构名称（“Registry”）。

  1. 法案要求每个保险申请人和已注册人员都必须有一个名字，该名字不能误导大众，也不能对公众造成困扰。法案第31款规定在使用“保险”“保证”或“抵押”时，其名字不能让大众误解为是一个保险公司。
  2. 协会要求所有代理机构都经过许可注册。注册机构的联系方式可以在“联系方式-其他”中查找。
  3. 商业名称：企业想要以不同于自己已有的合法企业名称开展业务，必须注册商业名称并得到协会认可。

如果想有金融规划（或类似）头衔，查看协会指南。查阅协会关于金融规划的通知。

There are a number of conditions a business must meet to become licensed as a life insurance agent:

Nominees

1.Each agency must have a designated agent nominee. This individual takes on the rights and privileges of the agency licence and is responsible and accountable to Council for all insurance activities undertaken by the agency and its employees. A nominee must be an officer, director, or partner of the agency or a senior manager in the province.
2.Where the insurance agency will have authorized representatives other than the nominee, the nominee must have worked as a licensed life insurance agent for 5 of the last 7 years.

Agency Name and Registration with the B.C. Corporate Registry(“Registry”)

3.The Act requires that any insurance applicant or licensee have a name that is neither misleading nor likely to cause confusion for the public. Section 31 of the Act also requires that anytime the word “insurance” or “assurance” or “mortgage” is used, the name cannot be used in a manner that would cause a member of the public to believe the entity is an insurance company.
4.Council requires all agencies to be registered with the Registry. Contact information for the Registry may be found under HANDY LINKS AND CONTACTS - OTHER.
5.Trade Names: A corporation intending to carry on business under a name different than its legal corporate name must register the desired trade name with the Registry and apply to have that name approved by Council.

If the agency intends to hold itself out as providing Financial Planning (or similar term), Council guidelines exist. See Council’s FINANCIAL PLANNING NOTICE.

http://insurancecouncilofbc.com/PublicWeb/LQ_GeneralInsurance.html

一、一般保险General Insurance 飞出国##

法案第168款对保险代理人的定义是：个人，而非保险公司或省外保险企业，请求、获得或促成一个保险申请，协商达成一份保险，或签订一份保单，或得到一份保险金。
法案第168款对保险销售人员的定义是：被保险代理机构或保险公司雇佣，得到或促成一个保险申请，或协商达成一份保险，或签订一份保单，或得到一份保险金。

点击你想申请的许可证类型，可查看申请资质、申请表、说明和费用等信息。

  1. 一般保险销售人员1级许可证；
  2. 一般保险代理人2级许可证；
  3. 一般保险代理人3级许可证；
  4. 一般保险独资经营人许可证；
  5. 一般保险企业或合作伙伴代理许可证；
  6. 一般保险受训人员注册；

Section 168 of the Act defines an insurance agent as: “…a person, other than an insurance company or an extraprovincial insurance corporation, who solicits, obtains or takes an application for insurance, or negotiates for or procures insurance, or signs or delivers a policy, or collects or receives a premium.”
Section 168 of the Act defines an insurance salesperson as: “…an individual who is employed by an insurance agent or by an insurer to solicit, obtain or take an application for general insurance, or to negotiate for or procure general insurance, or to collect or receive a premium for general insurance.”

To obtain qualification details, application forms, instructions and fee schedules, click on the type / level of general insurance licence you wish to apply for from the following list:

  1. GENERAL INSURANCE SALESPERSON LEVEL 1 LICENCE;
  2. GENERAL INSURANCE AGENT LEVEL 2 LICENCE;
  3. GENERAL INSURANCE AGENT LEVEL 3 LICENCE;
  4. GENERAL INSURANCE SOLE-PROPRIETOR LICENCE;
  5. GENERAL INSURANCE CORPORATE OR PARTNERSHIP AGENT LICENCE;
  6. GENERAL INSURANCE TRAINEE REGISTRATION.

http://insurancecouncilofbc.com/PublicWeb/LQ_GI_Salesperson.html

1.一般保险销售人员1级许可证Level 1 General Insurance Salesperson Licence 飞出国###

销售人员许可证时入门级许可证，持证人必须在监督下工作，工作地点受限制，且禁止签订保险合同。

教育

申请人必须完成以下教育之一。成绩在从完成之日起1年内有效。如果申请人1年内拿不到该许可证，则成绩无效，必须再次参加考试。

  1. 保险基础：该项目由卑诗省保险代理人协会（IBABC）和一些省内协会提供。
  2. 加拿大保险代理人认证项目：成功完成CAID 1。CAID 1 是IBABC众多保险教育项目中的第一阶段教育。
  3. 加拿大保险机构：成功完成C11和C130。
  4. 一般保险基础项目-部分1和部分2，可在保险机构获取。

对等教育：除以上所述，协会认为ILS Learning Corporation与它的课程具有对等性。《一般保险概论》课程可帮助申请人满足获得保险销售人员许可证的条件。同时，协会还考虑将该课程作为2级和3级许可证申请的资质条件之一。

协会不提供费用、授课方式和授课计划方面的信息，请联系相应的课程提供方了解相关信息，联系方式可在“联系方式-一般保险教育项目”中查询。

A salesperson licence is an entry-level licence that requires the licensee be under direct supervision, restricts where the licensee can work and prohibits the holder from signing contracts of insurance.

Education

Applicants must successfully complete one of the education options listed below. Results from successful completion of any of these options (including those courses granted under equivalency) are considered valid for a period of one year from completion date. If applicants wait longer than one year to obtain a licence, they will be required to rewrite the exam(s).

  1. Fundamentals of Insurance: This program is offered through the Insurance Brokers Association of B.C. (IBABC) and some colleges in the province.
  2. Canadian Accredited Insurance Broker Program: Successful completion of CAIB 1. CAIB 1 is the first semester of a more extensive insurance education program offered by IBABC.
  3. Insurance Institute of Canada: Successful completion of C11 and C130.
  4. The General Insurance Essentials Program - Part 1 and Part 2, available through the Insurance Institute.

Equivalency: In addition to the above, Council granted ILS Learning Corporation equivalency for its course, the Introduction to General Insurance as a licensing qualification course to qualify for a Salesperson’s licence and will consider the course as part of the education criteria towards a Level 2 or 3.

Council does not have information regarding costs, delivery methods or scheduling. Contact information for the above course providers can be found under HANDY LINKS AND CONTACTS - GENERAL INSURANCE EDUCATION PROVIDERS.

http://insurancecouncilofbc.com/PublicWeb/LQ_GI_AgentLevel2.html

2.一般保险代理人2级许可证 Level 2 General Insurance Agent Licence 飞出国###

2级一般保险代理人不被限制工作地点，可签订保险合同。虽然不要求有保险行业工作经验，但申请人必须是许可的一般保险证代理机构的授权代表，且满足教育要求。

教育

下面有4种教育项目供申请人选择。成绩从完成之日起1年内有效。如果申请人1年内拿不到该许可证，则成绩无效，必须再次参加考试。

  1. 保险基础、CAIB2和3 - 可在IBABC参加；
  2. CAIB1，2 和3 - 可在IBABC参加；
  3. 保险机构课程 C11、C130 和C131；
  4. 保险机构一般保险基础项目 （部分1和部分2）、C130 和 C131。

A level 2 general insurance agent is not restricted to where he or she can work and is not prohibited from signing contracts of insurance. Although insurance industry experience is not required, an applicant must be an authorized representative of a licensed general insurance agency and have met the educational requirements.

Education

There are four education options available to applicants as follows. The results from successful completion of any of these options are considered valid for a period of one year from completion date. If applicants wait longer than one year to obtain a licence, they will be required to rewrite the exam(s).

  1. Fundamentals of Insurance and CAIB 2 and 3 - available through IBABC; OR
  2. CAIB 1, 2 and 3 - available through IBABC; OR
  3. Insurance Institute Courses C11, C130 and C131; OR
  4. Insurance Institute General Insurance Essentials Program (Parts 1 and 2), C130 and C131.

http://insurancecouncilofbc.com/PublicWeb/LQ_GI_AgentLevel3.html

3.一般保险代理人3级许可证Level 3 General Insurance Agent Licence 飞出国###

一般保险代理人3级许可证持有人通常处于监督或管理者职位。申请人需证明自己的工作职位。相较与2级许可证而言，需要有更高的教育水平和工作经验。

经验

申请人需在过去7年里有5年处于注册状态，有至少3年一般保险2级代理人工作经验，才能成为一般保险3级代理人。

教育

申请人必须参加协会规定的研讨会，该研讨会讲述一般保险3级代理人的工作职责（“3级研讨会”）。同时，还要完成以下4项教育项目之一：

  1. 在IBABC网站上完成3级研讨会（Level 3 Seminar）和CAIB 1、2、3和4中的一个；
  2. 通过IBABC完成保险基础和CAIB 2、3、和4；
  3. 保险机构课程C11、C130、C131 和C132；
  4. 保险机构以及保险基础项目（部分1和部分2），C130， C131 和C132。

A level 3 general insurance agent licence reflects a supervisory or management position. Applicants must demonstrate that they hold such a position, and are required to have a higher level of education and experience than a level 2 licensee.

Experience

To become a level 3 general insurance agent, applicants must have been licensed for 5 of the last 7 years, with a minimum of 3 years as a level 2 general insurance agent.

Education

Applicants must complete Council’s mandatory seminar addressing the duties and responsibilities of a Level 3 general insurance agent (“Level 3 Seminar”) and one of four education options as follows:

  1. Level 3 Seminar available via the internet through IBABC; AND
    One of the following:CAIB 1, 2, 3 and 4 available through IBABC; OR

  2. Fundamentals of Insurance and CAIB 2, 3 and 4 available through the IBABC; OR

  3. Insurance Institute Courses C11, C130, C131 and C132; OR

  4. Insurance Institute General Insurance Essentials Program (Parts 1 and 2), C130, C131 and C132.

4.独资经营一般保险代理许可证Sole-Proprietor General Insurance Agent Licence飞出国###

如果个人不以合伙人或企业的形式，又想作为代理人从事职业活动，可以申请独资经营许可证。条件如下：

  • 满足个人许可证申请的所有要求；
  • 满足“企业许可证要求”中规定的代理名称要求；
  • 满足“企业许可证要求”中规定的提名要求；或者，如果独资经营不满足提名要求，可以以独资企业形式提名；

独资经营许可证、个人许可证和企业许可证的申请条件是一样的。申请人可以使用个人保险许可证申请的材料提交该类申请。

Where an individual wishes to act as an agency without forming a partnership or corporation a sole-proprietor’s licence may be issued. A sole-proprietor must:

  • meet the same licensing requirements as an individual;
  • register with the B.C. Corporate Registry as outlined under the CORPORATE LICENCE REQUIREMENTS;
  • meet the Agency Name requirements as outlined under the CORPORATE LICENCE REQUIREMENTS; and
  • meet the nominee requirements as outlined under the corporate licence requirements, or if the sole-proprietor does not meet the requirements for a nominee, then a nominee must be licensed under the proprietorship.

A sole-proprietor licence is subject to the same standard licence conditions as both an individual and a corporate licence. Applicants use the licence application package for individual insurance applicants.

5.一般保险企业代理许可证 General Insurance Corporate Agent Licence 飞出国###

成为一般保险代理机构，需满足以下条件：

  1. 成为保险公司代表：必须有能力成为至少一家保险公司的代表，由公司授权在省内从事职业活动。
  2. 提名：该代理机构必须有一个指定的三级代理提名人。这个人享有代理许可证上的权利和特权，并且对机构及其员工的保险活动负责。该提名人必须是代理机构中的领导或者是省级高级经理。
  3. 政府监督：每个代理机构必须受三级代理的直接监督。代理机构提名人负责决定每个地区的代理机构有哪个机构进行监督。在决定监督等级的时候，提名人需要考虑多种情况，如执业代理人数量，资质水平，工作经验及书写程序。监督等级必须能够保护消费者权益，考虑委员会的政策、规定和行为准则。所有对代理人进行监督的三级代理人有责任对其范围内其他代理人的执业活动进行监督，建立并维护政府流程，保障保险业务的道德操守。
  4. 代理名称和卑诗省企业注册：该法案要求保险申请人和注册人的名称不能使人产生误解，也不能给公众带来困惑。法案第31款也要求在使用“insurance”“assurance”"mortage"时，所使用的名字不能让公众误解为是一个保险公司。委员会要求所有代理机构必须在经过注册。注册的联系方式可在“链接与联系方式-其他”中查找。
  5. 商业名称：如果一个企业打算用不同于公司法定名称的另一个名称从事业务活动，必须注册一个商业名称，并且该名称必须经过委员会的批准才可以。

There are a number of requirements to become licensed as a general insurance agency.

  1. Requirement to Represent an Insurance Company: An agency must obtain and maintain the ability to represent at least one insurance company authorized to conduct business in the province.
  2. Nominee: The agency must have a designated level 3 agent nominee. This individual takes on the rights and privileges of the agency licence and is responsible and accountable to Council for all insurance activities undertaken by the agency and its employees. A nominee must be an officer, director or partner of the agency, or a senior manager in the province.
  3. Office Supervision: Each agency location must come under the direct supervision of a level 3 agent. It is the responsibility of the agency’s nominee to determine what constitutes adequate supervision at each agency location. When determining the level of supervision, the nominee is expected to take into account the number of agents working in the office, the levels of qualification and experience of the agents, as well as the extent of written procedures. The level of supervision must adequately protect consumer interests and take into account Council’s Policies, Rules and Code of Conduct. All supervising level 3 agents are responsible and accountable for overseeing the work of those in their area of responsibility and for establishing and maintaining office procedures that support the competent and ethical conduct of insurance business.
  4. Agency Name and Registration with the B.C. Corporate Registry (“Registry”): The Act requires that any insurance applicant or licensee have a name that is neither misleading nor likely to cause confusion for the public. Section 31 of the Act also requires that anytime the word “insurance” or “assurance” or “mortgage” is used, the name cannot be used in a manner that would cause a member of the public to believe the entity is an insurance company. Council requires all agencies to be registered with the Registry. Contact information for the Registry may be found under HANDY LINKS AND CONTACTS - OTHER.
  5. Trade Names: A corporation intending to carry on business under a name different than its legal corporate name must register the desired trade name with the Registry and apply to have that name approved by Council.

6.实习生注册 Trainee Registration 飞出国###

初次进入一般保险行业的新员工，有一次临时免注册机会。只有从未有过一般保险代理或销售人许可证的个人才符合要求。该实习生注册非常严格，有学历要求，只适用于卑诗省保险委员会保险销售领域。

教育要求

成功完成卑诗省的经纪人自动计划基础。

限制条件

以下限制条件适用于实习生：

  • 只与卑诗省保险委员会交易；
  • 必须在已注册者的直接监督下，且该注册者签订了所有交易；
  • 实习生不允许从事雇主规定外的任何其他保险活动。

实习生注册有效期只有6个月。该注册没有任何费用，然而，需要向委员会提交完整的申请表。

New employees to the general insurance industry are granted a one time, temporary exemption from licensing. In order to qualify, the person must never have held a general insurance agent or salesperson’s licence. This trainee registration is very restrictive, requires education and applies only to the sale of ICBC as outlined below.

Education Requirements

Successful completion of ICBC’s Autoplan Basics for Brokers available through ICBC.

Restrictions

The following restrictions apply to trainees:

  • may only conduct ICBC transactions; and
  • must be under the direct supervision of a licensee who initials or signs all transactions; and
  • trainees are not allowed to conduct any form of insurance activities outside the premises of the employer under any circumstances.

A person may only hold a trainee registration for a total of six months. There is no cost associated with a trainee registration, however, an application form must be completed and submitted to Council.

http://insurancecouncilofbc.com/PublicWeb/LQ_InsuranceAdjusting.html

三、一般保险理算 General Insurance Adjusting 飞出国##

法案第168款将保险理算员定义为：对除海洋保险以外保险合同下的保险索赔进行清算的人员。点击打算申请的保险理算员类别及等级，可获取申请资质详情、申请表、说明和费用表相关信息。

  1. 保险理算员1级许可证；
  2. 保险理算员2级许可证；
  3. 保险理算员3级许可证；
  4. 独资经营者保险理算员许可证；
  5. 保险理算员企业或合伙人许可证；

1. 理算员1级许可证 飞出国###

1级理算员许可证是入门级许可证，要求注册者持有2级或3级许可证持有人签字的报告。申请人必须有一个已注册的理算公司的授权，成为其代表。

教育要求

申请人必须完成一般保险基础项目-部分1和部分2，可在保险协会完成。成功完成这些课程后，得到的成绩只能够用于注册申请，且有效期为1年。如果申请人是1年后获得许可证，只能再次参加这些课程获取相应资质。

委员会不提供费用、完成方式或规划的相关信息。可在“链接和联系方式”栏查找课程提供者的联系方式。

2. 理算员2级许可证 飞出国###

想要申请2级理算员许可证，申请人必须有公司授权，成为某注册公司的代表。同时，还要满足以下工作和教育条件之一：

  • 保险机构课程，一般保险基础（部分1和部分2），C110、C111和连续2年的1级注册理算员工作经验；
  • 保险机构课程C11，C110，C111和连续2年的1级注册理算员工作经验；
  • 保险机构课程C11，C110，C111和任何其他4个保险机构课程和连续2年的理算工作经验； （注：对于其他教育的申请，委员会将考虑不需要许可证的理算工作经验；例如，作为理赔人员）。或者，
  • 所有符合CIP指示的保险机构课程和1年理算工作经验。

3. 理算员3级许可证 飞出国###

持有3级理算员许可证从事监督和管理工作。申请人必须要证明可以在该职位工作，并且要有更高的教育水平和比2级理算员更丰富的工作经验。

教育和工作经验要求

想要申请理算员3级许可证，申请人必须先成功完成符合CIP或FCIP指示的教育课程，且在过去7年里有5年是注册理算员，其中至少3年是2级注册保险理算员。

4.独资经营者理算员许可证 飞出国###

如果个人不以合伙人或企业的形式，又想要作为代理人从事职业活动，可以申请独资经营人许可证。条件如下：

  • 满足个人许可证申请的所有要求；
  • 已在“企业许可证要求”中规定的卑诗省企业注册机构进行注册；
  • 满足“企业许可证要求”中规定的代理名称要求；
  • 满足“企业许可证要求”中规定的代理名称要求；或者，如果独资经营人不满足被提名要求的话，可以以独资企业形式被提名；

独资经营人许可证、个人许可证和企业许可证的申请条件是一样的。申请人可以使用个人保险许可证申请的材料提交该类申请。

5. 保险理算员企业或合伙人许可证 飞出国###

注册成为理算公司需要满足以下各种条件：

  1. 提名人：每个公司必须有一个指定的三级理算员被提名人。这个人享有公司许可证上的权利和特权，并且对公司及其员工的保险活动负责。该提名人必须是公司领导或省级高级经理。
  2. 政府监督：每个公司必须被监督。公司提名人有责任决定每个地区的公司由哪个机构进行监督。在决定监督等级的时候，提名人需要考虑多种情况，如执业的理算员数量，资质水平和工作经验以及书写程序。监督等级必须能够保护消费权益，考虑委员会的政策、规定和行为准则。所有进行监督的理算员有责任对其范围内的其他职业活动进行监督，建立并维护政府流程，保障保险业务的道德操守。
  3. 代理名称和卑诗省企业注册：该法案要求保险申请人和注册人的名称不能使人产生误解，也不能给公众带来困惑。法案第31款也要求在使用“insurance”“assurance”"mortage"时，所使用的名字不能让公众误解为是一个保险公司。委员会要求所有代理机构必须经过注册。注册的联系方式可在“链接与联系方式-其他”中查找。
  4. 商业名称：如果一个企业打算用不同于公司法定名称的另一个名称从事业务活动，必须注册一个商业名称，并且该名称必须经过委员会的批准才可以。

三、 General Insurance Adjusting

Section 168 of the Act defines an insurance adjuster as: “… a person who makes an adjustment or settlement of a claim under a contract of insurance other than a contract of marine insurance.” To obtain qualification details, application forms, instructions and fee schedules, click on the type / level of insurance adjuster licence you wish to apply for from the following list:

  1. INSURANCE ADJUSTER LEVEL 1 LICENCE;

  2. INSURANCE ADJUSTER LEVEL 2 LICENCE;

  3. INSURANCE ADJUSTER LEVEL 3 LICENCE;

  4. SOLE-PROPRIETOR INSURANCE ADJUSTER LICENCE;

  5. INSURANCE ADJUSTER CORPORATE OR PARTNERSHIP LICENCE.

1. Adjuster Level 1 Licence

A level 1 adjuster licence is an entry level licence that requires the licensee to have all reports signed by an adjuster level 2 or level 3. Applicants must have authorization to represent a licensed adjusting firm.

Education Requirements

Applicants must complete the General Insurance Essentials Program - Part 1 and Part 2, available through the Insurance Institute. The results from successful completion of these courses are only valid for licensing purposes for a period of one year from completion date. Applicants who wait longer than one year to obtain a licence will have to requalify.

Council does not have information regarding costs, delivery methods or scheduling. Contact information for course providers can be found under HANDY LINKS AND CONTACTS.

2. Adjuster Level 2 Licence

Applicants for a level 2 adjuster licence must have authorization to represent a licensed firm and have met one of the following education and experience requirements.

Education and Experience Requirements

There are four education and experience combinations available to applicants for a level 2 adjuster licence as follows:

  • The Insurance Institute Courses， General Insurance Essentials (Parts 1 and 2), C110 and C111 and 2 consecutive years experience as a licensed level 1 adjuster;

  • The Insurance Institute Courses C11, C110 and C111 and 2 consecutive years experience as a licensed level 1 adjuster;

  • The Insurance Institute Courses C110, C111, C112 and any other four Insurance Institute Courses and 2 consecutive years adjusting experience; (Note: With the additional education Council will consider adjusting experience in a capacity that did not require a licence; for example as a staff adjuster.) OR

  • All Insurance Institute courses leading to a CIP designation and 1 year adjusting experience.

3. Adjuster Level 3 Licence

A level 3 adjuster licence reflects a supervisory or management position. Applicants must demonstrate that they hold such a position, and are required to have a higher level of education and experience than a level 2 licensee.

Education and Experience Requirements

An applicant for an adjuster level 3 licence must have successfully completed the courses leading to a CIP or FCIP designation and have been licensed as an adjuster for 5 of the preceding 7 years, with at least 3 of those years as a licensed level 2 insurance adjuster.

4. Sole-Proprietor Adjuster Licence

Where an individual wishes to act as a firm without forming a partnership or corporation a sole-proprietor’s licence may be issued. A sole-proprietor must:

  • meet the same licensing requirements as an individual;
  • register with the B.C. Corporate Registry as outlined under the CORPORATE LICENCE REQUIREMENTS;
  • meet the agency name requirements as outlined under the CORPORATE LICENCE REQUIREMENTS; and
  • meet the nominee requirements as outlined under the corporate licence requirements, or if the sole-proprietor does not meet the requirements for a nominee, then a nominee must be licensed under the proprietorship.

A sole-proprietor licence is subject to the same standard licence conditions as both an individual and a corporate licence. Applicants use the licence application package for individual insurance applicants.

5. Corporate Adjuster or Partnership Licence

There are a number of requirements to become licensed as an adjusting firm:

  1. Nominee: Each firm must have a designated level 3 adjuster nominee. This individual takes on the rights and privileges of the firm’s licence and is responsible and accountable to Council for all insurance activities undertaken by the firm and its employees. A nominee must be an officer, director or partner of the firm, or senior manager in the province.
  2. Office Supervision: Each firm location must be supervised. It is the responsibility of the firm’s nominee to determine the nature of what constitutes adequate supervision at each location. When determining the level of supervision, the nominee is expected to take into account the number of adjusters working in the office, the levels of qualification and experience of the adjusters, as well as the extent of written procedures. The level of supervision must adequately protect consumer interests and take into account the requirements of Council’s Policies, Rules and Code of Conduct. All supervising adjusters are responsible and accountable for overseeing the work of those in their area of responsibility and for establishing and maintaining office procedures that support the competent and ethical conduct of insurance business.
  3. Firm Name and Registration with the B.C. Corporate Registry
    (“Registry”): The Act requires that any insurance applicant or licensee have a name that is neither misleading nor likely to cause confusion for the public. Section 31 of the Act also requires that anytime the word “insurance” or “assurance” or “mortgage” is used, the name cannot be used in a manner that would cause a member of the public to believe the entity is an insurance company. Council requires all firms to be registered with the Registry. Contact information for the Registry may be found under HANDY LINKS AND CONTACTS.
  4. Trade Names: A corporation intending to carry on business under a name different than its legal corporate name must register the desired trade name with the Registry and apply to have that name approved by Council.

四、 事故和疾病保险Accident and Sickness Insurance 飞出国##

法案第168款对保险代理的定义为：除了保险公司或省外保险企业以外的个人请求、得到或促成一个保险申请，或者协商达成一份保险，或签订一份保单，或得到一份保险金。对保险销售人员的定义是：被保险代理机构或保险公司雇佣，得到或促成一个保险申请，或者协商达成一份保险，或签订一份保单，或得到一份保险金。

想获取申请资质详情、申请表、说明和费用表，请点击下表中你打算申请的A&S保险许可证类型：

  1. 个人A&S保险代理许可证：打算以自己而非雇主名义执业的个人可申请该类型。
  2. 独资经营者A&S保险代理许可证：打算用商业名称或是以雇主名义执业的个人可申请该类型。
  3. 企业或合作A&S保险代理许可证：打算创建一个A&S保险代理机构，成为企业或合作关系的个人可申请该类型。

1. 个人事故和疾病代理许可证 Indivdual Accident and Sickness Agent Licence 飞出国###

第一次申请A&S保险许可证的个人必须完成人寿保险许可证资质项目（LLQP）中A&S部分。包括要求的教育课程和对应的资质注册考试（多项选择题）。独立的已获批的课程提供者负责提供以上教育课程。申请人完成该教育课程后，需要在1年内顺利通过委员会A&SLLQP注册考试。考试成绩只用于许可证申请，有效期为1年。如果申请人1年后才获得许可证，则需要再次参加资质注册考试。

协会不提供费用、授课方式和授课计划方面的信息，请联系相应的课程提供方了解相关信息，联系方式可在“联系方式-一般保险教育项目”中查询。

商业名称

保险许可证必须包括所进行业务的所有名称。例如，John Doe 想要以“John Doe 保险服务”的名义进行业务活动，他必须申请成为独资经营者。

2. 独资经营者事故和疾病许可证 Sole-Proprietor Accident and Sickness Licence 飞出国###

如果个人不以合伙人或企业的形式，又想要作为代理人从事职业活动，可以申请独资经营人许可证。想要以商业名称从事独立人寿保险代理的个人需要申请独资经营者许可证。条件如下：

  • 满足个人A&S保险代理申请的所有要求；
  • 已在“企业A&S保险申请”中规定的卑诗省企业注册机构进行注册；
  • 满足“企业A&S保险申请”中规定的代理名称要求；
  • 如果独资经营人不满足被提名要求，想要以注册代理代表该机构，该被提名人必须经过注册。

3. 事故和疾病企业或合伙代理许可证 Accident and Sickness Corporate or Partnership Agent Licence 飞出国###

企业必须满足以下各种条件才能注册成为A&S保险代理：

提名人

  1. 每个机构必须有一个指定的代理提名人，享有代理许可权，同时对代理机构及其员工的一切保险活动负责。该提名人必须是机构的领导后合作伙伴，或者是省级高级管理者。
  2. 除需要一个提名人之外，保险代理机构还需要一个授权代表。该被提名人必须在过去7年里以A&S保险代理身份工作过5年。

代理名称和卑诗省企业注册

  1. 法案要求所有保险申请人或许可证申请人必须有一个明确的名称，不能误导公众，更不能对其造成困惑。法案第31款规定使用“insurance”，“assurance”，“mortgage”时，不能让公众误认为这是一个保险公司。
  2. 协会要求所有代理机构都必须经过注册。可在“相关链接和联系方式”中查找注册的联系方式。
  3. 商业名称：如果一个企业想以原合法企业名称以外的另外一个名称从事业务活动，则必须注册一个明确的商业名称，且需要经过协会的审批同意。

Section 168 of the Act defines an insurance agent as: “…a person, other than an insurance company or an extraprovincial insurance corporation, who solicits, obtains or takes an application for insurance, or negotiates for or procures insurance, or signs or delivers a policy, or collects or receives a premium.”

To obtain qualification details, application forms, instructions and fee schedules, click on the type of A&S insurance licence you wish to apply for from the following list:

  1. INDIVIDUAL A&S INSURANCE AGENT LICENCE:
    Choose this if you are an individual who plans on using only your own name and do not wish to act as an employer.
  2. SOLE- PROPRIETOR A&S INSURANCE AGENT LICENCE:
    Choose this if you are an individual who wishes to use a trade name and\or act as an employer.
  3. CORPORATE OR PARTNERSHIP A&S INSURANCE AGENT LICENCE:
    Choose this if you are planning on opening an A&S insurance agency as a corporation or a partnership.

1. Indivdual Accident and Sickness Agent Licence

Applicants for a first time A&S insurance licence must complete the A&S portion of the Life Licence Qualifying Program (“LLQP”). The A&S LLQP consists of a mandatory education course and a qualifying licensing exam (multiple choice) based on the course. Independent approved course providers provide the LLQP course. Once applicants complete the course, they must then successfully complete Council’s A&S LLQP licensing exam within one year. The results from successful completion of Council’s LLQP examinations are only valid for licensing purposes for a period of one year from completion date. Applicants who wait longer than one year to obtain a licence will have to requalify.

Council does not have information regarding costs, delivery methods or scheduling. Contact information for course providers can be found under HANDY LINKS AND CONTACTS - QUALIFYING EDUCATION PROVIDERS. Some course providers have confirmed they are prepared to offer the A&S course.

Trade Names

The insurance licence must carry all names under which business will be conducted. For instance, if John Doe wants to conduct business as “John Doe Insurance Services”, he must apply as a SOLE-PROPRIETOR.

2. Sole-Proprietor Accident and Sickness Licence

Where an individual wishes to act as an agency without forming a partnership or corporation, a sole-proprietor licence may be issued. A sole-proprietor licence is also obtained for an independent life insurance agent who wishes to operate under a trade name. A sole-proprietor must:

  • meet the same licensing requirements as an INDIVIDUAL A&S INSURANCE AGENT;
  • register with the B.C. Corporate Registry (“Registry”) as outlined under under CORPORATE A&S INSURANCE APPLICATIONS;
  • meet the Agency Name requirements (including trade names) as outlined under CORPORATE A&S INSURANCE APPLICATIONS; AND
  • if the sole-proprietor does not meet the requirements to act as a nominee, and wishes to have other licensed agents represent the agency, then a nominee must be licensed.

3. Accident and Sickness Corporate or Partnership Agent Licence

There are a number of conditions a business must meet to become licensed as an A&S insurance agent:

Nominees

  1. Each agency must have a designated agent nominee. This individual takes on the rights and privileges of the agency licence and is responsible and accountable to Council for all insurance activities undertaken by the agency and its employees. A nominee must be an officer, director or partner of the agency or a senior manager in the province.
  2. Where the insurance agency will have authorized representatives other than the nominee, the nominee must have worked as a licensed A&S insurance agent for 5 of the last 7 years.

Agency Name and Registration with the B.C. Corporate Registry(“Registry”)

  1. The Act requires that any insurance applicant or licensee have a name that is neither misleading nor likely to cause confusion for the public. Section 31 of the Act also requires that anytime the word “insurance” or “assurance” or “mortgage” is used, the name cannot be used in a manner that would cause a member of the public to believe the entity is an insurance company.
  2. Council requires all agencies to be registered with the Registry. Contact information for the Registry may be found under HANDY LINKS AND CONTACTS.
  3. Trade Names: A corporation intending to carry on business under a name different than its legal corporate name must register the desired trade name with the Registry and apply to have that name approved by Council.

http://insurancecouncilofbc.com/PublicWeb/LQ_TravelInsuranceAgents.html

五、 旅游保险 Travel Insurance 飞出国##

只有依据业务经营和消费者保护法案（Business Practices and Consumer Protection Act）规定注册的旅行社、企业、合作者或独资经营者需要持有限制性旅行代理许可证。持证的旅行保险代理的员工或委托销售人员无需注册，保险注册豁免权规定，他们的唯一活动是与保险代理或保险销售人员联系，顺便向旅行社或旅行批发商卖一般保险。

  1. 个人必须接受协会规定的课程并通过相关考试。完成有效期为1年的课程或考试后，如果1年内没有在旅游保险行业内执业，则无效，需重新参加课程并考试。超过2年没有积极从事旅游保险相关工作的，需重新参加课程并通过考试才能符合要求。旅行社有职责决定申请人是否符合学历条件。
  2. 每年至少完成2个小时的继续教育。教育类型和记录都有规定的要求，要求明细见“继续教育-旅行保险”。

点击以下所有申请的许可证类型，可获取相应得的申请表、申请说明、费用表等信息：

  1. 独资经营者旅游代理许可证
  2. 企业或合作旅游代理许可证

1. 限制性独资经营者旅游代理许可证 Restricted Sole-Proprietor Travel Agent Licence 飞出国###

如果想作为独立旅游保险代理从事职业活动，而不想成立合伙人或企业，可以申请独资经营者许可证。独资经营许可人必须：

  1. 提交申请前1年内，完成协会认可的课程并通过相关考试。协会不提供费用、授课方式和规划方面的信息。课程和考试提供方的联系方式可在“链接和联系方式中”查找。
  2. 根据“企业旅游保险申请流程”在卑诗省企业注册机构（B.C. Corporate Registry）进行注册。
  3. 在卑诗省消费者保护机构（Consumer Protection B.C.）进行注册。

2. 限制性企业或合作旅游代理许可证 Restricted Corporate or Partnership Travel Agent Licence 飞出国###

成为注册旅游保险代理需满足以下一系列条件：

  1. 在卑诗省消费者保护机构（Consumer Protection BC）进行注册：法案规定只有进行了旅游代理注册的代理者才能持有限制性旅游代理许可证。因此，申请人需要先在卑诗省消费者保护机构进行注册。
  2. 在卑诗省企业注册机构进行注册（the B.C. Corporate Registry (“Registry”)）：协会规定所有的代理者都必须先在Registry进行注册。Registry的联系方式可在“链接和联系方式-其他”中查找。
  3. 商业名称：如果一个企业想以另外一个名称（原合法企业名称除外）从事业务活动，则必须在Registry注册一个明确的商业名称，且需要经过协会的审批同意。

Only the travel agency or wholesaler (corporate, partnership or sole proprietor) registered under the Business Practices and Consumer Protection Act is required to hold a restricted travel agent licence with Council. Employees or commissioned salespeople of the licensed travel insurance agency are exempt from licensing where the individual’s only activity as an insurance agent or salesperson is in connection with travel insurance as defined in the Insurance Licensing Exemption Regulation sold incidentally to the ordinary business of the travel agent or travel wholesaler AND:

  1. The individual has passed the course and exam approved by Council. Once an individual has taken the course and exam it is valid for a period of one year. If the individual has not worked in the travel insurance industry for one year after successful completion of the course, then the individual is not eligible for the exemption and the course and exam must be retaken. Any individual who has not been actively involved in the travel insurance industry for two or more years must take the course and exam again before they are eligible for the exemption. It is the responsibility of the travel agency to determine whether an individual meets the education requirement.
  2. The individual must complete a minimum of two hours of continuing education each calendar year. There are requirements regarding the type of education that must be taken and mandatory record keeping. All of these requirements are set out under CONTINUING EDUCATION–TRAVEL INSURANCE.

To obtain application forms, instructions and fee schedules to licence a Travel Agency, click on the type of Travel Agency you have below:

  1. SOLE-PROPRIETOR TRAVEL AGENCY LICENCE;
  2. CORPORATE OR PARTNERSHIP TRAVEL AGENCY LICENCE.

1.Restricted Sole-Proprietor Travel Agent Licence

Where an individual wishes to act as a travel insurance agency without forming a partnership or corporation, a sole-proprietor’s licence may be issued. A sole-proprietor must:

  1. Successfully complete the course and exam approved by Council in the one year proceeding the date of the application. Council does not have information regarding costs, delivery methods or scheduling. A listing of contact information for the course and exam provider can be found under HANDY LINKS AND CONTACTS - TRAVEL EDUCATION PROVIDERS;
  2. Register with the B.C. Corporate Registry as outlined under CORPORATE TRAVEL INSURANCE APPLICATIONS; and
  3. Register with Consumer Protection BC.

2. Restricted Corporate or Partnership Travel Agent Licence

There are a number of requirements to become licensed as a travel insurance agency.

  1. Registration with Consumer Protection BC: The Act requires that a restricted travel agent licence may only be issued to an agent that is registered to act as a travel agent. Applicants therefore are required to hold (and maintain) a current registration with Consumer Protection BC.
  2. Registration with the B.C. Corporate Registry (“Registry”): Council requires all agencies to be registered with the Registry. Contact information for the Registry may be found under HANDY LINKS AND CONTACTS - OTHER;
  3. Trade Names: A corporation intending to carry on business under a name different than its legal corporate name must register the desired trade name with the Registry and apply to have that name approved by Council.

官网： http://insurancecouncilofbc.com/PublicWeb/AboutCouncil.html

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