NewUpdated 2026 · Ontario general insurance broker
RIBO Level 1 exam: pass on your first try with 2,000+ practice questions
The complete prep for the RIBO Level 1 (Entry-Level Broker) exam in Ontario: 47 clear lessons, 2,004 questions with a hint and a written explanation, and four unseen mock exams weighted like the real paper and scored domain by domain.
- Built on the RIBO Level 1 blueprint (25/25/25/20/5)
- One payment, no subscription
- Immediate access, unlimited practice attempts
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Why candidates fail
Four reasons people fail the RIBO exam. We fixed all four.
The RIBO Level 1 exam is not hard because of the content. It is hard because of how the questions are written, the time limit, and outdated study material.
Outdated notes
DCPD, accident benefits and the licence rules all changed in 2024–2026. Every lesson and question here is written for the 2026 paper.
Application questions
“What should the broker do?” questions beat memorisers. Each of our questions explains why the right answer is right — and why the tempting one is wrong.
Time pressure
115 questions in 180 minutes is about 90 seconds each. Speed rounds and timed mock exams build the pace before exam day.
Unknown weak spots
Your score on every checkpoint and mock exam is broken down by the five exam domains, so you always know what to review next.
Exam blueprint
What is on the RIBO Level 1 exam?
The 100 scored questions are split across five content domains. Click a domain to see what it covers and where it lives in the course.
Free RIBO practice test
Try 10 real practice questions — free, no sign-up
These questions come straight from the course. Use Practice mode for hints, a 50/50 and the explanation after each answer, or switch to Exam mode for a timed run with results at the end.
- Filter by domain: General, Habitational, Automobile, Commercial, Travel
- Two-step hint: a pointer to the rule, then rule out two answers
- Your score by domain at the end, just like the mock exams
The 400 mock-exam questions are never published. They stay unseen until you sit them.
Free RIBO practice questions
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What changed
Five changes that make old RIBO study guides wrong
If your notes were written before 2026, some of their “correct” answers are now wrong on the paper.
DCPD becomes optional
OPCF 49 lets an owner waive Direct Compensation. “DCPD is mandatory” is now a wrong answer.
New RIBO By-Laws
Level 1 / 2 / 3 licences, and changes reported to RIBO within 10 days.
New exam blueprint
Commercial Lines becomes 20% of the paper.
Level 2 via CAIB or CIP
No standalone Level 2 exam: CAIB 1–3 or CIP C130 and C131.
Accident-benefits reform
Only medical, rehabilitation and attendant care stay mandatory. Optional benefits go on OPCF 47R; auto pays first for treatment.
Everything included
A complete RIBO Level 1 course, not just a question bank
47 lessons, in logical order
From risk and the insurance contract to the OAP 1, the 2026 accident benefits and commercial lines — tables, cases and “check yourself” questions in every lesson.
A hint on every question
Stuck? Get a pointer to the rule without the answer. Still stuck? Rule out two options. Hints only in practice, never in mock exams.
Written explanations
Every answer explained: the rule, the reason, and the trap. That is how you handle a question RIBO words differently.
77 practice quizzes
Up to 30 questions each, unlimited attempts, right after the lesson they test. 2,004 questions in total, weighted like the exam.
4 full mock exams
100 unseen questions, 155 minutes, 75% to pass, no hints. Your score by domain on the results screen.
A plan and a finish line
A diagnostic, nine module checkpoints, four speed rounds and an eight-week plan — with a clear rule for when to book the exam.
How it works
From zero to exam-ready in four steps
Take the diagnostic
Thirty questions weighted like the exam give you a baseline in 45 minutes.
Learn, then practise
Read a lesson, then its practice quiz: hint when stuck, explanation after every answer.
Pass each checkpoint
A timed 20-question checkpoint closes each module. Aim for 80% before moving on.
Prove it on mocks
Sit the four unseen 100-question mocks. Book the exam after two scores of 80%+.
Compare
Why not just use a free RIBO practice test?
| What you get | This course | A typical free quiz | Pre-2025 study notes |
|---|---|---|---|
| Written for the 2026 exam (AB reform, OPCF 49, Commercial 20%) | ✓ Yes | Rarely | No |
| Number of questions | 2,004 | 20–100 | None or few |
| Explanation for every answer | ✓ Yes | Answer key only | — |
| Weighted like the exam (25/25/25/20/5) | ✓ Yes | No | No |
| Unseen 100-question mock exams | ✓ 4 | No | No |
| Score broken down by domain | ✓ Yes | No | No |
Price
Everything for one payment of CAD 40
Full course · 2026 edition
No subscription. Start tonight on any device, study at your own pace.
- 47 lessons in 11 modules, in the order a new broker needs them
- 2,004 questions — General 498, Habitational 496, Automobile 502, Commercial 406, Travel 102
- A two-step hint and a written explanation on every question
- 1 diagnostic, 9 module checkpoints and 4 speed rounds
- 4 mock exams of 100 unseen questions, scored by domain
- An eight-week plan and a clear rule for when to book
FAQ
RIBO exam prep: your questions answered
Is this RIBO exam prep up to date for 2026?
Yes. All 2,004 questions and 47 lessons were written for the 2026 edition: the July 1, 2026 accident-benefits reform (only medical, rehabilitation and attendant care remain mandatory; OPCF 47R), the OPCF 49 DCPD waiver available since 2024, Commercial Lines as a 20% domain since 2025, and Level 2 through CAIB or CIP since January 1, 2026.
How many questions are on the RIBO Level 1 exam, and what is the pass mark?
The exam has 100 scored questions plus 15 unscored pilot questions, to answer in 3 hours. You need 75%, which is 75 of the 100 scored questions. You cannot tell which questions are pilots, so treat every question as if it counts.
Are the mock exams different from the practice questions?
Yes. The 400 mock-exam questions are held back from every practice quiz. You see them for the first time under exam conditions — 100 questions, 155 minutes, no hints — and your result is broken down by the five exam domains.
How long does it take to prepare for the RIBO exam?
Most candidates need about eight weeks at 5–7 hours a week. The course includes an eight-week plan, plus five- and ten-week versions, and a planner that works back from your exam date.
Do I need insurance experience to pass?
No. Module 0 explains how the exam works and Module 1 starts from the basic definitions of risk, peril and hazard. Every question carries a written explanation, so you learn from each answer.
How much does the course cost?
CAD 40, one payment, for everything: lessons, practice quizzes, the diagnostic, nine module checkpoints, four speed rounds and four full mock exams.
Can I study on my phone?
Yes. The lessons and quizzes work in any modern browser, on phone, tablet or computer, and your progress follows you.
Is this an official RIBO course?
No. It is independent study material from Quartzium Learning Center. RIBO sets the exam; sittings are run by exam providers (IBAO and the Insurance Institute). Always confirm current rules with RIBO.
Ready when you are
Pass the RIBO Level 1 exam with confidence.
47 lessons, 2,004 questions and four mock exams take you from “where do I start?” to a confident 75%+. One payment of CAD 40.
Independent study material. Not affiliated with or endorsed by RIBO, FSRA, IBAO or the Insurance Institute. Rules change — confirm current requirements with RIBO. Terms · Privacy · Legal notice