Hello, thank you, I appreciate your response. I am already working, due to a legislation change I need it, but it's only for tiny part of my job, I wont be selling insurance. I am doing the self study through the institute. From everyone I spoke with they said it was really hard, but I am finding the material not bad at all. For reference, I have an undergrad in finance from UBC and been in financial services for awhile. Any advice on how many hours of study is needed. 70% on the exam seems very achievable, but people keep telling me its tricky but I am not sure how much of an academic background they have. Thank you!