BC Insurance Council — New Mandatory Training Requirement

A brand-new mandatory licence
for your members.
Let's deliver it together.

British Columbia's new Restricted Insurance Agent (RIA) regime requires 44,000+ employees across 18 industries to complete accredited training. The licence category is brand new — no incumbent providers exist. Business Career College (BCC) by WKT is seeking industry association partners to co-deliver this training to their members before the January 1, 2027 deadline.

44K+
Members needing training
11
Insurance Classes
Jul 1
IC Window Opens
Jan 1
2027 Enforcement
0
Incumbent Providers
Business Career College by WKT
March 2026
Partner Overview
Background

What is the BC RIA Regime?

BC's Insurance Council has created a new Restricted Insurance Agent (RIA) licensing category — for businesses that sell insurance as a secondary activity alongside their core product or service. Think auto dealers offering GAP and vehicle warranty coverage, mortgage brokers adding credit protection, or travel agents bundling travel insurance.

These transactions have always happened — but now the employees making them must hold a valid RIA licence, backed by accredited training.

How RIA differs from other credential programs
  • ✓ No standardized IC exam — the training provider designs competency-based assessments aligned with the Insurance Council's Performance Requirements Framework.
  • ✓ Product-specific and modular — 11 separate insurance classes, each requiring its own accredited training module.
  • ✓ Employer-held licence — the business holds the RIA licence and is responsible for ensuring their representatives complete accredited training.
  • ✓ 4-year accreditation term — approved providers are listed publicly on the Insurance Council's website.
Two Roles Within the Business
Representatives
Front-line staff who sell restricted insurance. Complete standard product + compliance training.
Designated Representatives (DR)
Supervisory roles responsible for overseeing compliance. Require a separate, more comprehensive DR course.
Key Dates
July 1, 2026 — IC accreditation window opens
July 2026 — BCC submits full program for approval
September 2026 — BCC product-ready, training available to members
January 1, 2027 — Enforcement begins
All 11 Insurance Classes — Full Suite · Accreditation by June 30, 2026
Credit Protection GAP Insurance Vehicle Warranty Cargo Insurance Rented Vehicle Portable Electronics Travel Insurance Construction Equip. Warranty Farm Implement Warranty Pleasure Craft Warranty Funeral Services

BCC is building accredited training for all 11 classes, covering all 18 business types under the RIA regime. Full accreditation application to be submitted by June 30, 2026.

Public Sources & Further Reading
The Partnership

Two ways to partner with BCC

Your members need RIA training by January 1, 2027. BCC offers two partnership models — both include access to our accredited RIA content library, both put your brand front and centre, and both generate revenue for your association.

Option 1
Reseller Partner
Your storefront. Our content. Shared success.
Setup $1,000 refundable deposit
Revenue Share 40% on every sale
  • ✓ Branded storefront — your name, your logo, live in 2 weeks
  • ✓ Full access to BCC RIA content library + 80+ safety & compliance courses
  • ✓ No hosting, no tech setup — BCC hosts everything
  • ✓ Deposit fully refunded once you hit $2,000 in sales
Best for
Associations wanting a quick, low-risk way to offer RIA training to members without managing a platform.
Option 2
Storefront Partner
Your full branded LMS. Your content + ours.
Setup From $2,500
Monthly From $500/mo · 600 seats
  • ✓ Full white-label LMS — manage your entire association training program
  • ✓ Sell BCC RIA content + your own proprietary courses (keep 100% of yours)
  • ✓ 50% revenue share on all WKT content sales
  • ✓ SOC 2 Type II security · instructor-led + online · one admin dashboard
Best for
Associations that want to own their training program, manage members' CE requirements, and build a recurring revenue stream.
Storefront Partner — Seat Pricing (scales with volume)
Seats/Year Monthly Fee Annual Cost
600 seats$500/mo$6,000/yr
1,000 seats$800/mo$9,600/yr
2,500 seats$1,021/mo$12,250/yr
5,000 seats$1,333/mo$16,000/yr
10,000+ seats$1,750/mo$21,000/yr
Timeline — Both Partnership Models
Now – Jun 30: Partnership confirmed & onboarding Jul – Aug 2026: IC accreditation submission & approval September 2026: Training live, members can enroll Jan 1, 2027: Enforcement begins
The Product

What BCC Would Build

The curriculum uses a two-tier architecture: a shared Foundation module all learners complete, followed by a short product-specific module for their business type. This is not an exam-prep program — it is a competency-based accreditation program for employees who sell insurance incidentally to their main job.

1
Foundation Module
~1.5–2 hours  ·  All learners, all classes  ·  Taken once
Insurance concepts & terminology, the RIA licensing regime, sales process, policy terms, documentation, claims basics, privacy law, and record-keeping. Covers all universal IC requirements across all 11 product classes — build once, prerequisite to every product module.
2
Product Modules (×11)
~30–45 min each  ·  Class-specific  ·  Assumes Foundation complete
Strictly product-specific: coverage purpose, benefits and limitations, class-specific eligibility, regulatory requirements, and practical job-context scenarios. No repeated foundational content. Each module maps to the relevant IC Performance Requirements indicators.
Single Credential
~2–2.5 hrs
Foundation + 1 product module
Motor Vehicle Dealer (3 modules)
~3.5 hrs
Foundation once + 3 product modules (~45 min ea.)
BCC sets the assessment bar. No IC-standardized exam exists — we design scenario-based competency assessments tied to real job contexts. Both formative checks (knowledge quizzes during learning) and a summative competency demonstration. BCC controls pass standards and course integrity.
BUILD CHALLENGE — No Textbook Exists
The IC Accreditation Program Guide is the sole source document. There is no textbook, no exam bank, no content library. BCC must generate all learning content from ~40 performance indicators across 11 requirements. The ontology work BCC has done for LLQP is directly transferable — and AI-assisted content generation makes this feasible at speed.
All 11 Course Modules
Credit Protection
GAP Insurance
Vehicle Warranty
Cargo Insurance
Rented Vehicle
Portable Electronics
Travel Insurance
Constr. Equip. Warranty
Farm Implement Warranty
Pleasure Craft Warranty
Funeral Services
IC Curriculum Framework
3
Framework Sections
7
Sub-categories
11
Performance Requirements
~40
Indicators (Learning Outcomes)
The Learner

Who We're Building For

RIA learners are employees, not students. They have job pressure, limited time, and need content that's immediately applicable. This is not exam prep — it's workplace compliance training. The four personas below were defined by the learning team and shape every content and architecture decision.

🚗
Tyler, 27 — Auto Dealer F&I Staff
Largest Audience Segment
Works at a mid-sized car dealership. Just got accredited to sell GAP and Vehicle Warranty. Has no insurance background — he's a car salesman who now needs to add compliance to his toolkit. Maximum 20–30 minutes available per day.
Wants practical scripts and clear compliance rules. Anxious about saying the wrong thing to customers. Motivated by getting back to selling cars quickly.
No insurance background Time-constrained Scenario-driven
✈️
Priya, 34 — Travel Consultant
Secondary Audience
8 years in the travel industry. Her agency just got accredited for Travel Insurance. Already sells travel insurance in practice — she knows the product but not the formal compliance and documentation requirements IC mandates.
High product knowledge, low compliance knowledge. Doesn't want to repeat the basics she already knows. Highlights the need for content that accommodates prior knowledge.
Experienced practitioner Compliance-focused
📱
Marcus, 42 — Electronics Store Supervisor
Designated Representative
Manages an 8-person team at a big-box electronics retailer. He's the Designated Representative for the store's Portable Electronics program — responsible for team compliance, approving training, and handling errors. Needs to understand what his team learns.
Can dedicate 45–60 min/day. Represents the supervisory track — a distinct learner pathway requiring deeper compliance coverage.
Supervisory role Team compliance
🏢
Sandra, 50 — Multi-Class Agency Owner
Edge Case · Validates Architecture
Runs an independent agency with multiple restricted insurance licences (Travel, GAP, Vehicle Warranty). Experienced, but needs accreditation across three classes. Does not want to repeat Foundation content three times.
She's the reason the Foundation-once architecture matters. Content reuse and modular bundling are essential for this segment — and she illustrates the natural upsell path.
Multi-class Validates Foundation-once
💡
Design Principle: Employees, Not Students
Pedagogy must emphasize speed (15–25 min microlearning modules), relevance (context-specific scenarios tied to their actual job), application (practical scripts, decision trees, templates), and compliance clarity (crystal-clear rules and dos/don'ts). Not lecture. Not memorization.
Ready to Partner?

Let's discuss the opportunity for your members

We're actively seeking association partners to co-deliver accredited RIA training to their members. Tell us about your association and we'll follow up within 48 hours.

Partnership Inquiries
Nick Palmieri
Institutional Partnerships, BCC by WKT
nick.palmieri@wkt.ca
Learn More
Visit businesscareercollege.com to learn more about our programs across regulated industries in Canada.
Express Partnership Interest