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REMIC HLLQP REMIC HLLQP – Our Story

Founded in 2008 by Joseph J. White, author of the textbook used by both the Real Estate and Mortgage Institute of Canada (REMIC) and Seneca College courses for mortgage agent licensing, and numerous sales resources, REMIC  is the Institute dedicated to the mortgage brokerage industry and the life insurance industry.   Mr. White founded the Institute to meet the needs of financial services professionals by focusing solely on the mortgage brokerage industry.  In 2016 REMIC expanded its educational offerings to include the life insurance agent course, called the HLLQP.  In doing so REMIC provides both life insurance agents and mortgage agents the ability to expand their sphere of influence and diversify their income by becoming dual licensed.

REMIC Mortgage Agent Course (RMAC):  REMIC provides the Ontario mortgage agent course for licensing, often referred to as the Ontario mortgage agent licensing course. This course is required by the Financial Services Commission of Ontario (FSCO) to become a licensed mortgage agent or become a licensed mortgage broker in Ontario. REMIC is the leading provider, with more graduates than any other provider in the province.

REMIC HLLQP Course:  REMIC provides the Harmonized Life License Qualification Program (HLLQP).  This course is required to become a licensed life insurance agent in Canada.  REMIC is approved by CISRO and FSCO.

REMIC is also approved by Human Resources and Skills Development Canada (HRSDC) as an accredited educational institution. REMIC provides students a tax receipt (T2202A) for its courses.


Mission Statement

The Real Estate and Mortgage Institute of Canada Inc. (REMIC) provides exceptional, ethics based training approved by FSCO and the appropriate national regulatory bodies to meet the educational requirements for new agent licensing as well as courses designed to enhance the careers of current financial service professionals.

Value Statement

The Real Estate and Mortgage Institute of Canada Inc. (REMIC) will continue to develop and deliver inspired, innovative training built on a foundation of consumer protection and ethics designed to advance our industry and cultivate the skills of our learners.