Catalogue of Course Packages
Course Packages
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 3 credits (AB, SK, MB, ON) |
| CFP® Certificants: | 3 credits (2 Financial Planning, 1 Professional Responsibility) |
| General Insurance Credits: | 3 credits (BC, AB, SK, MB, ON) |
| Institute Members: | 3 credits (Ethics) |
You will receive two courses in this package to build your understanding of ethics:
Ethics At Work: Professional Challenges, Responsible Results
| Provincial Life Credits: | 1 credit (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 1 credit (AB, SK, MB, ON) |
| CFP® Certificants: | 1 credit (Professional Responsibility) |
| Institute Members: | 1 credit (includes 1 Ethics) |
| General Credits: | 1 credit (BC, AB, SK, MB, ON) |
| Adjuster Credits: | 1 credit (AB) |
- Get back to basics with essential learning about ethics and rules of conduct;
- Test yourself against six questions of ethics to examine whether your actions meet expectations;
- Read case studies to hone your critical ethical decision-making skills.
Principle of Fairness: Applied Ethics for Financial Advisors
| Provincial Life Credits: | 2 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 2 credits (AB, SK, MB, ON) |
| CFP® Certificants: | 2 credits (Financial Planning) |
| Institute Members: | 2 credits (includes 2 Ethics) |
| General Credits: | 2 credits (BC, AB, SK, MB, ON) |
- Define how fairness influences your financial advice;
- Study the nine rules on how to be a fair person, and make fairness a practice for your business.
Both courses suggest how ethical guidelines can help decision-making and put ethics into practice.
Price charged to FA: $22.50 (You do not pay on this site.)
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| Provincial Life Credits: | 6 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 1 credit (AB, SK, MB, ON) |
| CFP® Certificants: | 6 credits (5 Financial Planning, 1 Professional Responsibility) |
| Institute Members: | 5 credits (1 Ethics) |
| General Credits: | 1 credit (BC, AB, SK, MB, ON) |
| Adjuster Credits: | 1 credit (AB) |
The pension-income safety net is created for Canadians by Old Age Security and Canada Pension Plan benefits. Make sure nothing escapes the net for your clients with the information and ethical direction these three courses provide.
The CPP Question: When to Start the Retirement Pension?
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| CFP® Certificant: | 3 credits (Financial Planning) |
| Institute Members: | 2 credits |
- Know how to answer the question of “when is best” when it comes to starting retirement pensions;
- Learn about eligibility, contributions, strategies for benefits received, and recent changes.
The OAS Balancing Act: Receiving and Retaining the Pension
| Provincial Life Credits: | 2 credits (BC, AB, SK, MB, ON) |
| CFP® Certificants: | 2 credits (Financial Planning) |
| Institute Members: | 2 credits |
- Learn how and when income is determined and how to address clients concerns about tax;
- Help clients make the right decisions for their OAS pension and build the best pension outcome for their senior years.
Ethics at Work: Professional Challenges, Responsible Results
| Provincial Life Credits: | 1 credit (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 1 credit (AB, SK, MB, ON) |
| CFP® Certificants: | 1 credit (Professional Responsibility) |
| Institute Members: | 1 credit (includes 1 Ethics) |
| General Credits: | 1 credit (BC, AB, SK, MB, ON) |
| Adjuster Credits: | 1 credit (AB) |
- Get back to basics with essential learning about ethics and rules of conduct;
- Test yourself against six questions of ethics to examine whether your actions meet expectations;
- Read case studies to hone your critical ethical decision-making skills.
You’ll come away from these courses with a meaningful action plan for pension recommendations. Start today!
Price charged to FA: $37.50 (You do not pay on this site.)
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| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 7 credits (AB, SK, MB, ON) |
| CFP® Certificants: | 7 credits (5 Financial Planning, 2 Professional Responsibility) |
| Institute Members: | 7 credits (inc. 3 Ethics) |
| ID CE Credits: | tba |
| MFD Credits: | tba |
| General Credits: | 7 credits (BC, AB, SK, MB, ON) |
Save the time and aggravation of seminar attendance—with immediate Certificates. In this package, you receive:
The Client’s Best Interest: Insights and Ideas for Action
| Provincial Life Credits: | 2 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 2 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 2 credits (Professional Responsibility) |
| General Credits: | 2 credits |
Serving the client’s best interest is a requirement for all those with client responsibilities. This course provides the understanding that can lead to generating best interest interactions, plans and proposals.
Learn to:
- Integrate client best-interest principles into practice and solidify your client relationships.
- Make clients a priority and confirm your professional responsibility.
- Enhance personal integrity.
A Big Issue: Your Older and Aging Clients and Their Mental Capacity
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 5 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 5 credits (General) |
| Institute Members: | 5 credits |
| MFD Credits: | 5 credits (Professional Development) |
A Big Issue addresses dementia and Alzheimer’s disease in the context of mental and financial capacity. Here's what you need to know and how to prepare for working with a client who may begin experiencing capacity issues.
This course delivers on risk fundamentals by covering:
- How will you recognize dementia or Alzheimer’s in your client?;
- How many of your clients may be affected?;
- What else can and will you do - and when?
- Is there a role for insurance?
This is information for a frightening problem that can be experienced professionally and personally.
Price charged to FA: $52.50 (You do not pay on this site.)
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| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 3 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 8 credits (Financial Planning) (pending) |
| Institute Members: | 8 credits (2 Ethics) (pending) |
| General Insurance Credits: | 3 credits (BC, AB, SK, MB, ON) |
The golden years: the time to enjoy the fruits of one’s labour. Make sure your clients who are in this life stage, or getting close, have information relevant to their financial needs and wealth management. Both of these courses focus on issues essential for later life planning.
What is the value of having a will compared to not having a will and dying intestate? How about?
The Value of a Will
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 5 credits (Financial Planning) |
What is the value of having a will compared to not having a will and dying intestate? How about?
- the degree of certainty it brings an individual in their lives;
- the control it exerts over the disposition of assets;
- the desire not to leave things to chance;
- to ensure care for loved ones;
- relieving survivors from decisions they may not want to make.
Elder Abuse and the Financial Exploitation of Seniors
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 3 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 3 credits (Financial Planning) |
| General Credits: | 3 credits (AB, SK, MB, ON) |
Elder abuse occurs in the form of diminished savings, outright theft, loss of asset ownership, a change of beneficiary designations, or abuse of power of attorney abusing the position to the detriment of the grantor.
It is happening all around you — and maybe you have had suspicions that you could not substantiate. That stops now with the knowledge you will gain from this course.
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- Recognize the causes and signs of elder financial abuse;
- Know your ethical responsibilities towards your client if you suspect abuse;
- Gain the knowledge you need in order to help suspected victims of elder financial abuse.
Price charged to FA: $52.50 (You do not pay on this site.)
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| Provincial Life Credits: | 8 credits (BC, AB, SK, MB, ON) |
| CFP® Certificants: | 8 credits (Financial Planning) |
| Institute Members: | 8 credits |
Tax can be planned for, accommodated, reduced, and deferred. Become proactive and make positive changes for your clients that can give them the best tax outcome.
This two-course tax-focussed package includes:
Assets: Their Transition and Taxation
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 5 credits (Financial Planning) |
| ID CE Credits: | tba |
| MFD Credits: | tba |
Every single client in your wheelhouse has at least one asset. Some will have many. Some are lucky enough to have assets with enough value that both probate and income tax must be considered in the future when those assets are distributed. No one wants to see their hard-earned savings going to tax unnecessarily.
The information in this course will help to ensure that those savings are retained and passed along. It is key to planning an estate. You’ll learn-
- How probate and income tax must be considered when assets are distributed;
- How to limit the impact of taxation to allow clients to optimize their hard-earned savings;
- How to help to ensure client savings are retained and passed along according to plan.
Plan for Probate
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 3 credits (Financial Planning) |
Let’s call probate (or estate administration tax) what it really is: an after-death tax on the value of the assets of the deceased. It must be paid. It is separate and additional to income tax.
However, probate can be estimated based on client assets and where the client resides. That estimate can spur the individual to take measures to reduce the amount of probate that will be owed.
You can lead the way by working with the client to develop ways and means to reduce probate. You can help your clients save potentially significant costs with the ideas for planning in this course. Do not miss this opportunity.
- Use this information as a step to resolve the lack of understanding clients have about probate;
- Help clients save potentially significant probate fees by planning ahead;
- Find the appropriate strategies in this course to improve outcomes for seniors.
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| MFD Credits: | tba |
| Provincial Life Credits: | 9 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits | 9 credits (AB, SK, MB, ON) |
| CFP® Certificants: | 9 credits (7 Financial Planning, 2 Professional Responsibility) |
| Institute Members: | 9 credits (includes 1 Ethics) |
| General Credits: | 9 credits (BC, AB, SK, MB, ON) |
*One extra credit is provided due to accreditation results.
MFD Registrants have a requirement for 10 Business Conduct credits in each of their CE cycles; the current cycle ends 30/11/25. The MFD delivers 2 credits from its CE webcasts. The remaining 8 credits are provided in this neat package. Together, this package and the MFD webcasts, satisfy Business Conduct credit requirements for this cycle.
Also available:
The Total MFD Package: 28 credits — all Professional Development and Business Conduct credits in one place (with the exception of the MFD webcasts) for ease of completion.
The 20 Credit MFD Professional Development Package — all 20 Professional Development credits in a single package to simplify buying and completing credits.
The Business Conduct Courses are:
The Client’s Best Interest: Insights and Ideas for Action
| Provincial Life Credits: | 2 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 2 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 2 credits (Professional Responsibility) |
| General Credits: | 2 credits |
Serving the client’s best interest is a requirement for all those with client responsibilities. This course provides the understanding that can lead to generating best interest interactions, plans and proposals.
Learn to:
- Integrate client best-interest principles into practice and solidify your client relationships.
- Make clients a priority and confirm your professional responsibility.
- Enhance personal integrity.
Good Business: Lessons for Success
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 7 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 7 credits (Financial Planning) |
| Institute Members: | 7 credits |
| MFD Credits: | tba |
This course delivers guidance, insights, and solutions that you can easily implement to benefit you and your clients. Ten easy-to-manage lessons provides you with direction on achieving professionalism in your practice while you serve clients’ needs.
Ideas and theories are buttressed by lots of hands-on practical client information, including how-tos, why-tos, and when-tos.
It is a course you won’t want to miss.
- Link sales with suitability for best client outcomes;
- Learn the importance of setting financial goals across all ages;
- Achieve clarity in virtual and in-person meetings and your writing;
- Measure your behaviour against common ethical standards;
- Implement best practices that pay off.
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| Provincial Life Credits: | 10 credits |
| Provincial A&S Credits: | 10 credits |
| FP Canada: | 10 credits (Financial Planning) |
| Institute Members: | 10 credits |
| ID CE Credits: | tba |
| MFD Credits: | tba |
| General Credits: | 10 credits (BC,AB) |
This package can be used by advisors in any province needing 10 credits. For those in Alberta, these 10 can top-up other credits to ensure the total of 15 Life + A&S credits is earned by 30/06/26.
Need 15 credits in each of Life and A&S? — please see the 15-Credit Alberta Dynamic Duo (Life + A&S Courses) Package in this catalogue.
Here are two excellent, on-trend courses to help you achieve your professional goals and ambitions.
THE GOOD OF INSURANCE – Sounding Off on Insurance Benefits
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 5 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | tba |
| Institute Members: | 5 credits |
| ID CE Credits: | tba |
| MFD Credits: | tba |
| General Credits: | 5 credits (BC, AB, SK, MB, ON) |
Here are some insurance benefits that reinforce the effectiveness and good uses of an insurance policy.
When you complete this course, you will have:
- A client-focussed list of the unique strengths of insurance;
- Rewarding ideas you can take to the table to underscore valuable insurance product features;
- The advantageous considerations only insurance provides and delivers.
Making the Right Choices for Insurance
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 5 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 5 credits (Financial Planning) |
| Institute Members: | 5 credits |
| ID CE Credits: | tba |
| MFD Credits: | tba |
Among the many factors to consider in an insurance transaction are those that will result in a policy that will be suitable for clients and fulfill their needs. This course paves the way to making the right choices to attain the right outcomes.
- Develop a wide-ranging understanding of your role in making insurance right for the clients you have and prospects you encounter;
- Focus on needs-based selling to sell the right insurance, in the right amount, at the right cost;
- Make your sales process serve the client by eliminating conflict of interest and by following ethical imperatives.
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| Provincial Life Credits: | 10 credits (BC, AB, SK, MB, ON) |
| CFP® Certificants: | 10 credits (10 Financial Planning) |
The question facing individuals and organizations today is not if you will suffer a cyberattack but when. This package combines two courses that address the criminal activity that can impact your business:
Cyber Security: Protecting Client Privacy in Your Practice
- Learn how cyber security breaches are an increasing threat to the privacy of your client’s information;
- Improve your understanding of hacker attacks, technical failures, sloppy practices and employee errors;
- Discover how to reduce or eliminate cybersecurity threats in order to protect client privacy.
Financial Fraud: How to Protect Yourself, Your Clients, and Your Business from Financial Fraud
- First, learn to recognize fraud schemes and how they are perpetuated;
- Second, get practical knowledge on how to protect yourself, your clients and your business from fraud.
- Third, discover what to do if you or your clients become a victim of fraud.
These courses give you concrete steps to protect yourself and your clients and save you the aggravation, anger, and costs of being compromised.
Price charged to FA: $75.00 (You do not pay on this site.)
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| Provincial Life Credits: | 10 credits (BC, AB, SK, MB, ON) |
| CFP® Certificants: | 10 credits (Financial Planning) |
| Institute Members: | 10 credits (2 Ethics) |
| ID CE Credits: | tba |
| MFD Credits: | tba |
What are your “know” requirements whether as a life agent or investment advisor? They are simple yet challenging: know your client and know your product. Develop that knowledge with these courses.
KNOW YOUR CLIENT: Its Challenges and Rewards
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 3 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 3 credits (Financial Planning) |
| Institute Members: | 3 credits (includes 1 Ethics) |
| ID CE Credits: | tba |
| MFD Credits: | tba |
Knowing your client (KYC) takes time, training, and perseverance. It is surely one of the most challenging requirements faced by those with client responsibilities in the financial services.
KYC is the basis for determining suitable investments. It is in your best interest to do a good job of KYC collection and maintenance. It is in your client’s best interest that you practice KYC to the regulatory minimums and beyond.
This course puts you on the right track to accomplish those objectives. You will learn the importance of collected information and how client characteristics affect the client profile and your resulting actions. You will learn how to get the facts you need. And, you will learn some impediments to KYC.
Experience the advantages of good KYC with the knowledge from this important course.
- Addresses the new client-focussed reforms as they apply to know your client requirements;
- Reviews what comprises essential facts and their relevance;
- Illustrates the relationship between KYC and suitability;
- Check your decisions with a blueprint for action.
KNOW YOUR PRODUCT: Obligations, Products, and Strategies
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 7 credits (General) |
| ID CE Credits: | tba |
| MFD Credits: | tba |
Know your product (KYP): a straightforward directive that carries considerable weight. It is mandatory in order to make and complete initial recommendations and during continuity of investment ownership.
KYP may encompass a limited or a wide array of investments: your knowledge requirement is not lessened if your licensing is restricted. You still must be able to impart relevant and accurate product information to your clients, answer their questions, and make meaningful product comparisons.
This breakthrough course delivers a useful profile of investments that will be fundamental to your KYP. It can become your go-to reference after completing its job of continuing education:
- Benefit from an “at a glance” overview of the characteristics of many investments from the common, like GICs, to the more esoteric, like cryptocurrency to make an initial determination of product suitability;
- Learn the more in-depth details of investments by the application of six challenge questions across all investments covered--- from life insurance products, through investment funds, gold, REITs, and many others;
- Review some common investing strategies with their strengths and weaknesses --- in a format that encourages consistency of information.
Knowledge becomes know-how in these courses.
Price charged to FA: $75.00 (You do not pay on this site.)
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| QAFP Credits: | 12 credits (10 Financial Planning, 2 Professional Responsibility) |
| CFP® Certificants: | 12 credits (10 Financial Planning, 2 Professional Responsibility) |
| Provincial Life Credits: | 12 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 2 credits (AB, SK, MB, ON) |
| Institute Members: | 3 credits (including 2 Ethics) |
| ID CE Credits: | tba |
| MFD credits: | tba |
As a QAFP, FP Canada requires you to complete 12 CE credits annually including 1 Professional Responsibility credit.
Here are three courses in one convenient package that satisfy your FP Canada credit requirements, while delivering credits in all the other categories shown above. You’ll receive excellent oversight of practical matters combined with actionable ideas.
Recognizing and Managing Financial Conflicts of Interest
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 3 credits (1 Financial Planning, 2 Professional Responsibility) |
| Institute Members: | 3 credits (includes 2 Ethics) |
| CIRO-ID Credits: | tba |
| CIRO-MFD Credits: | tba |
Here is a course focussed on what actions comprise conflict of interest (COI) for investment advisors and insurance agents, how they can be managed and mitigated, and the personal development efforts you can undertake to help defeat COI from arising.
You will complete this course with:
- Constructive ideas to implement to avoid COI in your behaviour;
- Important insight on how COI develops and how it can be mitigated personally and professionally;
- Answers to some of the big issues about COI and its insidious effects on advice and professional conduct;
- Valuable case studies to illustrate COI and its outcome.
SUDDEN WEALTH: Managing a Windfall from Inheritance, Home Equity, or Business Proceeds
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 7 credits (Financial Planning) |
Receiving a large sum of money can be a source of great joy or deep guilt. Regardless of whether it is bestowed by a sweet twist of fate or other---less happy ---circumstances the money needs professional management to be appropriately used, sustained and grow. The amount received may exceed previous money-management experience of its receivers, leaving them uncertain as to what to do or the best thing to do.
That is where you come in --- with a plan to turn sudden wealth into a comfortable long-term lifestyle. If your client expects to inherit, to receive the value of a DCP, to earn equity from a business sale or sale of other property, you will want to begin wealth coaching long before the money is in the bank.
- Learn the ropes for managing the scope, challenges and benefits of sudden wealth;
- Implement strategies for saving, investing, insuring and gifting;
- Explore the details on legal and tax matters.
A Trusted Contact Person: Role and Responsibilities
| Provincial Life Credits: | 2 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 2 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 2 credits (Financial Planning) |
| ID CE Credits: | tba |
| MFD Credits: | tba |
| General Credits: | 2 credits (BC, AB, SK, MB, ON) |
The naming of a trusted contact person (TCP) to an investment account is an excellent idea for customer and advisor alike. Although it is not a requirement, the TCP nomination has been implemented to deter financial exploitation and safeguard financial assets. As such, it seems directed towards older adults, but, in fact, is useful for people of any age and should be used by people of all ages.
In this course you will:
- Learn what the job description for a TCP is and how those duties are carried out;
- Receive the essential background on the need for a TCP and its role in risk management;
- Get pointers on initiating the TCP conversation with clients.
Price charged to FA: $225.00 (You do not pay on this site.)
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| Provincial Life Credits: | 15 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 15 credits (AB, SK, MB, ON) |
| FP Canada: | 15 credits (13 Financial Planning + 2 Professional Responsibility) |
| Institute Members: | 12 credits |
| ID CE Credits: | 15 credits |
| CIRO: ID CE Credits: | tba |
| CIRO: MFD Credits: | 10 credits (Professional Development) |
C’Life provides you with CE courses that satisfy your need for credits as they deliver valuable information.
This year we deliver courses that address practice issues and the all-important need for longevity planning.
You receive both 15 Life AND 15 A&S credits for the AIC CE cycle ending 30/06/26 plus all the other credits listed above! Licensees in other provinces also earn all credits in the categories shown.
If you need only 10 credits, please see the 10-Credit Alberta Life + A&S Special Package in this catalogue.
This package delivers three courses that contribute new ideas and valuable solutions to your practice. Start now for an efficient and strategic approach to on-time credit completion.
THE INSURANCE SIDE OF DUE DILIGENCE AND DISCLOSURE
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 5 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 5 credits (3 Financial Planning + 2 Professional Responsibility) |
| Institute Members: | 5 credits (2 Ethics) |
| MFD Credits: | 5 credits (Professional Development) |
Due diligence and disclosure are two activities that work together: due diligence as a form of information discovery and disclosure as a means of sharing information. Together, they are an essential part of the insurance process. There are countless benefits for the agent or advisor who completes a due diligence review and follows through with disclosure. Whereas due diligence is discovery of facts, disclosure is revealing the facts. Doing so puts client interests first. Learn:
- The objectives of completing due diligence and disclosure;
- Performance standards;
- How disclosure is achieved, and barriers to disclosure.
PLANNING FOR LONGEVITY WITH LIFE INSURANCE
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 5 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 5 credits (Financial Planning) |
| Institute Members: | 5 credits |
| MFD Credits: | 5 credits (Professional Development) |
Let’s be clear: when we talk about longevity we are talking about the length of a lifespan. Let’s also be clear: the length of lifespans in Canada on average is increasing. The longer one lives, the longer one needs to finance the costs of living. Perish the thought---and fear--- of running out of money before running out of life.
A plan ensures income is available for the duration of life. Strategies may be adopted for health, lifestyle, and wealth. That is where this course comes in: Strategizing how to build wealth, maintain it, and manage it in the future.
The key planning strategies which you will learn to appreciate are:
- Identifying options for funding,
- Choosing the option or options that will be most suitable and achievable, and
- Defining the steps needed to make the desired option a reality.
UNDERSTAND, MANAGE AND STOP COMPLAINTS
For Life agents, CFP®/QAFP™ professionals, Advocis members, and CIRO advisors
This course takes a proactive position towards complaints. It highlights how presenting clear information about complaints and their management can strengthen customer confidence and assure them of fair treatment. Understand, Manage and Stop Complaints illustrates the background of complaints in the life insurance and financial advisory channels, how they can be avoided, and how they must be dealt with. On completion, the course-taker will:
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 5 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 5 credits (General) |
| Institute Members: | 5 credits |
This course takes a proactive position towards complaints. It highlights how presenting clear information about complaints and their management can strengthen customer confidence and assure them of fair treatment. Understand, Manage and Stop Complaints illustrates the background of complaints in the life insurance and financial advisory channels, how they can be avoided, and how they must be dealt with. On completion, the course-taker will:
- Develop a superior understanding of psychological factors underlying complaints;
- Evaluate client behaviour and its contribution to complaints;
- Prepare the appropriate response to complaints.
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| Provincial Life Credits: | 15 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 8 credits (AB, SK, MB, ON) |
| FP Canada: | 8 credits (Financial Planning) |
| Institute Members: | 5 credits |
| ID CE Credits: | tba |
| MFD Credits: | tba |
| General Credits: | 8 credits (BC, AB) |
Every year C’Life provides you with reliable and efficient CE credits. We can fulfill dependable CE requirements for BC licensees because C’Life is an Insurance Council of BC Accredited Course Provider. And, if you are licensed outside BC, you can also take this package for credits in the categories shown.
This year we focus on vulnerable clients and the strength of insurance products to meet their needs.
Start now to earn 15 Life credits for the ICBC CE cycle ending 31/05/26 while you learn new ideas and add valuable solutions to your practice. You receive:
You receive:
Elder Abuse and the Financial Exploitation of Seniors
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 3 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 3 credits (Financial Planning) |
| General Credits: | 3 credits (AB, SK, MB, ON) |
Elder abuse occurs in the form of diminished savings, outright theft, loss of asset ownership, a change of beneficiary designations, or abuse of power of attorney abusing the position to the detriment of the grantor.
It is happening all around you — and maybe you have had suspicions that you could not substantiate. That stops now with the knowledge you will gain from this course.
- Recognize the causes and signs of elder financial abuse;
- Know your ethical responsibilities towards your client if you suspect abuse;
- Gain the knowledge you need in order to help suspected victims of elder financial abuse.
THE GOOD OF INSURANCE – Sounding Off on Insurance Benefits
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 5 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | tba |
| Institute Members: | 5 credits |
| ID CE Credits: | tba |
| MFD Credits: | tba |
| General Credits: | 5 credits (BC, AB, SK, MB, ON) |
Here are some insurance benefits that reinforce the effectiveness and good uses of an insurance policy.
When you complete this course, you will have:
- A client-focussed list of the unique strengths of insurance;
- Rewarding ideas you can take to the table to underscore valuable insurance product features;
- The advantageous considerations only insurance provides and delivers.
Women – Their Financial and Insurance Needs
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 7 credits (Financial Planning) |
| Institute Members: | 7 credits |
| MFD Credits: | tba |
Single women — whether with dependents, separated or divorced, or widowed — have many special characteristics that relate to their financial planning and insurance needs. This course is going to explain what those characteristics are and how you need to work within their limitations.
This course offers insight to both male and female advisors about the financial challenges facing single women. You will develop a better understanding of, and compassion for, women and their specific financial needs.
- Recognize the special characteristics of women that relate to their financial planning and insurance needs;
- Gain insight into challenges women face, such as lower incomes and longer lifespans;
- Help women create a suitable and stable financial life.
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| Provincial Life Credits: | 15 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 10 credits (AB, SK, MB, ON) |
| CFP® Certificants: | 15 credits (Financial Planning) |
| Institute Members: | 7 credits |
| ID CE Credits: | tba |
| MFD Credits: | tba |
| General Credits: | 7 credits |
Here are some new ideas to stimulate your thinking and business results.
The courses in this package include:
Assets: Their Transition and Taxation
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 5 credits (Financial Planning) |
| ID CE Credits: | tba |
| MFD Credits: | tba |
Every single client in your wheelhouse has at least one asset. Some will have many. Some are lucky enough to have assets with enough value that both probate and income tax must be considered in the future when those assets are distributed. No one wants to see their hard-earned savings going to tax unnecessarily.
The information in this course will help to ensure that those savings are retained and passed along. It is key to planning an estate. You’ll learn-
- How probate and income tax must be considered when assets are distributed;
- How to limit the impact of taxation to allow clients to optimize their hard-earned savings;
- How to help to ensure client savings are retained and passed along according to plan.
Good Business: Lessons for Success
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 7 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 7 credits (Financial Planning) |
| Institute Members: | 7 credits |
| MFD Credits: | tba |
This course delivers guidance, insights, and solutions that you can easily implement to benefit you and your clients. Ten easy-to-manage lessons provides you with direction on achieving professionalism in your practice while you serve clients’ needs.
Ideas and theories are buttressed by lots of hands-on practical client information, including how-tos, why-tos, and when-tos.
It is a course you won’t want to miss.
- Link sales with suitability for best client outcomes;
- Learn the importance of setting financial goals across all ages;
- Achieve clarity in virtual and in-person meetings and your writing;
- Measure your behaviour against common ethical standards;
- Implement best practices that pay off.
Policy Claims: A Sales and Service Opportunity
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 3 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 3 credits (Financial Planning) |
Putting the claim top of mind may seem contrarian but doing so makes the reasons for insurance transparent and professional.
When claims information is covered up-front in a sales presentation it answers a question many prospects may find hard to ask. They want to know, “What’s in it (the insurance) for me?”
The answer to their question is the claim benefit. To make sure the claim will be all that you promise, we provide seven pointers on how to ensure a claim is successful. We describe many of the reasons life, A&S, and insurance investment claims are more or less than expected, how to find a missing policy, and pointers for the unhappy claimant.
For those struggling to find dollars for premium purposes, knowing who, when, and how the money is received from a policy can underscore the value of insurance.
- Sales slipping? Try putting the claim payment up-front in the insurance sales process so clients understand the reasons for, and rewards of, insurance;
- Read up on how to ensure policy claims will be successful;
- Learn the many reasons why claims are more or less than expected;
- Get advice on how to deal with an unhappy claimant.
Price charged to FA: $112.50 (You do not pay on this site.)
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| Provincial Life Credits: | 15 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 5.5 credits (AB, SK, MB, ON) |
| CFP® Certificants: | 15 credits (Financial Planning) |
| Institute Members: | 8 credits (including 1 Ethics) |
| ID CE Credits: | tba |
| MFD Credits: | tba |
Retirement can be a source of great joy and freedom, however, it is only realistic to expect certain challenges along the way. This package will develop appropriate client guidance based on needs, expectations for retirement, and retirement risks. It includes:
After Age 71: RRSP/LIRA Options and Strategies
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| Institute Members: | 5 credits |
You might be surprised at the enormous number of uninformed and misinformed people who make decisions for their RRSPs and LIRAs without proper knowledge or guidance.
What’s the best way to manage the carefully accumulated account value to create income and have some money to spend? Learn about available choices, considerations, strategies, and action plans.
This practical and comprehensive information shows the what, how, and when of “what comes next.”
- Explore alternatives for clients when their RRSP/LIRA matures;
- Learn about available choices, considerations, strategies, and action plans for seniors;
- Implement a maturity option for clients that recognizes their specific requirements and is justifiably in their best interest.
Focus On Retirement Risks
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 5.5 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 7 credits (Financial Planning) |
Retirees face a unique set of risks due to age and circumstances. Their income can be affected by their lifespan, inflation, divorce, declining cognitive ability, overspending, the sequence of returns, and all those unexpected costs that arise and must be paid.
We explore these risks — giving you background and analysis — and go on to provide useful risk management ideas and strategies.
You will find hard facts on the safe withdrawal rate for savings. You’ll learn shock therapy for the over-spender. And, you may learn some surprising information about the cost of healthcare for Canadians.
This course delivers a wealth of meaningful and practical ideas and solutions for safeguarding retirement income.
- Prepare to tackle seven significant threats to retirees and their income;
- Explore these risks and learn useful risk management ideas and strategies;
- Benefit from a wealth of meaningful and actionable ideas.
Know Your Client: Its Challenges and Rewards
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 3 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 3 credits (Financial Planning) |
| Institute Members: | 3 credits (includes 1 Ethics) |
| ID CE Credits: | tba |
| MFD Credits: | tba |
Knowing your client (KYC) takes time, training, and perseverance. It is surely one of the most challenging requirements faced by those with client responsibilities in the financial services.
KYC is the basis for determining suitable investments. It is in your best interest to do a good job of KYC collection and maintenance. It is in your client’s best interest that you practice KYC to the regulatory minimums and beyond.
This course puts you on the right track to accomplish those objectives. You will learn the importance of collected information and how client characteristics affect the client profile and your resulting actions. You will learn how to get the facts you need. And, you will learn some impediments to KYC.
Experience the advantages of good KYC with the knowledge from this important course.
- Addresses the new client-focussed reforms as they apply to know your client requirements;
- Reviews what comprises essential facts and their relevance;
- Illustrates the relationship between KYC and suitability;
- Check your decisions with a blueprint for action.
Price charged to FA: $112.50 (You do not pay on this site.)
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| Institute Members: | 15 credits (including 2 Ethics) |
| Provincial Life Credits: | 14 credits (BC, AB, SK, MB, ON) |
| CFP® Certificants: | 15 credits (Financial Planning) |
| ID CE: | tba |
| MFD: | tba |
This excellent line-up of courses for 2025 advance your learning while making it easy to satisfy Institute credit requirements. All courses in this package are pre-approved by the Institute. You also earn your mandatory ethics credits.
Thanks to the merged accreditation approach of C’Life, these courses also provide life, FP Canada, and CIRO credits. Complete the courses early in the year and use the credits across the board!
You receive:
Barriers to Insurance: Reasons for Underinsurance
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 5 credits (Financial Planning) |
| Institute Members: | 5 credits |
| ID CE Credits: | tba |
| MFD Credits: | tba |
Procrastination, cognitive biases, and agent behaviour can form roadblocks to acquiring and maintaining insurance coverage. Learn from these and many other reasons individuals fail to acquire insurance policies --- and the information needed by which their position can be reversed. This course delivers all that and:
- Develops an approach that recognizes and respects the rationale of the prospect/client and their perceived barriers;
- Achieves better plans based on characteristics of the prospect/client;
- Facilitates the progression of uninsured to insured or underinsured to insured;
- Benefits the agent with checklists to test behaviour against standards and expectations.
Ethics for Institute Members
| Provincial Life Credits: | 2 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 2 credits (BC, AB, SK, ON) |
| FP Canada Credits: | 2 credits (Financial Planning) |
| Institute Members: | 2 credits (Ethics) |
As a member of the Institute, you have an ethical obligation to the organization, to clients, and to your industry. Your objective is to arrive at the best ethical outcome for actions you take and decisions within your control.
This course helps you determine some of the situations in which ethics plays a role. We begin with a grounding in ethics and then take a closer look at your ethical obligations. We explore some of the biases that can impact ethics, and ensure that you are particularly attuned to ethical challenges in your seniors’ market.
This is, a wide-ranging exploration of ethical issues. The result? Enthusiasm as to how ethics can work for the benefit of you and your clients.
- Arrive at the best ethical outcomes for clients through your actions and decisions;
- Understand your ethical obligations, particularly for seniors;
- Find an appreciation for how ethics benefits you and your clients.
THE FUN OF FUNDS: Consideration of the Positive Features of Mutual Funds and Segregated Funds
| Provincial Life Credits: | 4 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | tba |
| Institute Members: | 4 credits |
| ID CE Credits: | tba |
| MFD Credits: | tba |
Well, maybe fun is a slight exaggeration. The point here is that there are many good reasons for fund investing. Leave aside the negative aspects of fees, charges, loads, risks, and volatility of investment funds. Focus the decision about fund investing on the many positive features and advantages that funds offer.
This course puts a positive spin on the proposition you put before clients.
- Review the characteristics, features, benefits, and advantages of funds and fund investing;
- Receive insight into how funds can be used to champion a cause, interest, or belief through socially responsible investing
- Learn the ways of tailoring a fund to the aptitude and needs of the investor;
- Analyze the potential of funds for managing risk.
Practical Client Risk Analysis
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | tba |
| Institute Members: | 4 credits |
| ID CE Credits: | tba |
| MFD Credits: | tba |
Assuming investment risk too often is associated with a willingness to accept loss. Prove to your client that risk has many dimensions with the information you will learn in this course.
Show how risk is a result of psychology, life experiences, social conventions, intelligence, and age amongst other factors.
Together, arrive at appropriate decisions with practical information, analysis, and an understanding of:
- The role of disclosure in regard to risk;
- The three measurements in a risk profile: tolerance, capacity, and need;
- The dilemma of applying risk assessment to decision-making.
Price charged to FA: $112.50 (You do not pay on this site.)
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| Provincial Life Credits: | 15 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 15 credits (AB, SK, MB, ON) |
| FP Canada: | 10 credits (Financial Planning) |
| Institute Members: | 5 credits |
| ID CE Credits: | tba |
| MFD Credits: | tba |
C’Life strives to provide you with CE credits that contribute new ideas and valuable solutions to your practice.
This year focusses on attaining suitability and the repercussions that arise from failing to meet suitability requirements.
Manitoba licensees receive 15 Life credits to use for the ICM CE cycle ending 31/05/26 in addition to all other categories listed. Licensees in other provinces can earn 15 credits in each category shown above in accordance with their deadline. Wherever you are licensed, start now for an efficient and strategic approach to on-time credit completion.
This year focusses on attaining suitability and the repercussions that arise from failing to meet suitability requirements.
Manitoba licensees receive 15 Life credits to use for the ICM CE cycle ending 31/05/26 in addition to all other categories listed. Licensees in other provinces can earn 15 credits in each category shown above in accordance with their deadline. Wherever you are licensed, start now for an efficient and strategic approach to on-time credit completion.
You receive:
Coping With the Difficult Client
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 5 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 5 credits (Financial Planning) |
| CIRO-MFD Credits: | tba |
There are many, many behavioural management ideas in this informative and useful course. You’ll find it valuable for both coping with those who are difficult and learning how to prevent unpleasant interactions from ever developing.
Your level of stress can be significantly lessened with the perspective this course delivers. It’s a winner in your stable of people management skills.
- Prepare for unreasonable, demanding and unpredictable client behaviour;
- Learn anger management skills;
- Find out how to deliver bad news, and the sad consequences of disappointment;
- Prevent unpleasant interactions and reduce your stress level.
Making the Right Choices for Insurance
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 5 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 5 credits (Financial Planning) |
| Institute Members: | 5 credits |
| ID CE Credits: | tba |
| MFD Credits: | tba |
Among the many factors to consider in an insurance transaction are those that will result in a policy that will be suitable for clients and fulfill their needs. This course paves the way to making the right choices to attain the right outcomes.
- Develop a wide-ranging understanding of your role in making insurance right for the clients you have and prospects you encounter;
- Focus on needs-based selling to sell the right insurance, in the right amount, at the right cost;
- Make your sales process serve the client by eliminating conflict of interest and by following ethical imperatives.
SETTING THE MORAL COMPASS: Professional Responsibility for Financial Advisors
| Provincial Life Credits: | 5 credits (BC, AB, MB, ON) |
| Provincial A&S Credits: | 5 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 5 credits (Financial Planning) |
| ICS Life Credits: | 5 credits (including 2 Ethics) |
Here is your game plan to achieve the highest standards of professional responsibility.
The content of this course is organized around your requirements for knowledge; knowledge of the standards of conduct that apply to your job; knowledge of your client; knowledge of how to attain suitability; knowledge of the necessity of disclosure; and, knowledge of conflict of interest.
Reading this course for continuing education credits is one step. Making ongoing reference to the content when confronted with difficult decisions is going to show you a way forward.
- Set your moral compass in the direction of professional responsibility through knowing your client, ensuring suitability, fulfilling disclosure, and putting client interests first;
- Meet regulator expectations as expressed in client-focussed reforms;
- Explore short case studies that illustrate concepts and help understanding.
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| ICS Life Credits: | 15 credits (including 3 Ethics) |
| Provincial A&S Credits: | 8 credits (AB, SK, MB, ON) |
| CFP® Certificants: | 12 credits (Financial Planning) |
| Institute Members: | 15 credits (including 1 Ethics) |
| ID CE Credits: | tba |
| MFD Credits: | tba |
| General Credits: | 3 credits (BC, AB, SK, MB, ON) |
These courses, for life agents and advisors in Saskatchewan, satisfy the CE guidelines set by the Insurance Councils of Saskatchewan (ICS), including the Ethics requirement for 3 ethics credits per five years of licensing. But these courses are more than just credits: they are a great learning opportunity for new ideas and information.
You’ll receive an immediate regulator-approved Certificate upon completion of each course.
Making the Right Choices for Insurance
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 5 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 5 credits (Financial Planning) |
| Institute Members: | 5 credits |
| ID CE Credits: | tba |
| MFD Credits: | tba |
Among the many factors to consider in an insurance transaction are those that will result in a policy that will be suitable for clients and fulfill their needs. This course paves the way to making the right choices to attain the right outcomes.
- Develop a wide-ranging understanding of your role in making insurance right for the clients you have and prospects you encounter;
- Focus on needs-based selling to sell the right insurance, in the right amount, at the right cost;
- Make your sales process serve the client by eliminating conflict of interest and by following ethical imperatives.
Professional Responsibility and Seniors: Advisor Guidance for Ethical Practice
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 3 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 3 credits (General) |
| Institute Members: | 3 credits |
| MFD Credits: | 3 credits (Business Conduct Ethics) |
This course has a focus on ethics for the senior client. You’ll read background on the challenges seniors present and thought-provoking case studies centred on seniors. Each case study draws upon FP Canada Principles and Rules to provide guidance for your responsibilities.
Informative and stimulating, Professional Responsibility and Seniors provides you with important information to use in building and sustaining a relationship with your senior clients.
- Review the standards of ethics that apply to senior clients;
- Learn about the challenges seniors present;
Retirement Decumulation – When, How Much, and What to Do
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | tba |
| Institute Members: | 7 credits |
| ID CE Credits: | tba |
| MFD Credits: | tba |
Retirement Decumulation focusses on the subjects of accumulation (saving for retirement) and decumulation (spending in retirement). Decumulation may be a buzz word but it is a very serious subject that describes the deterioration of retirement savings. This course addresses the contentious issues of how much needs to be saved and how retirement income is created for spending --- or saving --- purposes.
- Start with a review of the accumulation process and the necessity to know the client and plan for decumulation;
- Continue with a review of the factors that impact retirement;
- Conclude with a review of how to create the individual retirement pay-cheque within limitations and constraints.
Price charged to FA: $112.50 (You do not pay on this site.)
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| Provincial Life Credits: | 16 credits (BC, AB, SK, MB, ON) |
| CFP® Certificants: | 16 credits (Financial Planning) |
Estate planning ensures inheritors receive their “due.” It is an exercise in futility if a valid will does not exist. These courses illustrate the necessity of probate planning and creating a will to positively impact estate beneficiaries. This information advances your ability to plan an estate with inheritors in mind.
In this package, you will receive:
Advising on Wills and Intestacy
- Prepare the client for the costs and inconveniences that arise from not having a will;
- Show clients how a will works to their advantage and acts as their voice when they can no longer speak for themselves;
- Assure clients that estate plans for beneficiaries can be fulfilled.
Assets: Their Transition and Taxation
- Learn how probate and income tax must be considered when assets are distributed;
- Limit the impact of taxation to allow clients to optimize their hard-earned savings;
- Help to ensure client savings are retained and passed along according to plan.
Estate Planning for Retirees
- Learn what happens to estates at death and how to prepare for taxes before and after;
- Find out what plans must be made during life in preparation of a client’s estate;
- Discover insurance products that will ensure you are equipped to help your clients with insurance designed for their needs.
Plan for Probate
- Use this information as a step to resolve the lack of understanding clients have about probate;
- Help clients save potentially significant probate fees by planning ahead;
Find the appropriate strategies in this course to improve outcomes for seniors.
Price charged to FA: $120.00 (You do not pay on this site.)
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| CFP® Certificants: | 25 credits (23 Financial Planning, 2 Professional Responsibility) |
| Provincial Life Credits: | 25 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 10 credits (AB, SK, MB, ON) |
| Institute Members: | 20 credits (2 Ethics) |
| CIRO -ID CE Credits: | 7 credits (Professional Development)* |
| CIRO-MFD CE Credits: | 20 credits (Professional Development)* |
*Will increase as CIRO approvals are received.
Set your sights on the new C’Life package of courses to complete your FP-Canada CE requirements for 2026. These FP Canada-accredited courses are designed to meet the needs of CFP professionals for new ideas, approaches, and solutions while ensuring you fulfill your CE requirements for this year, including the essential 2 PR credits.
You receive all five courses. Act now to put these comprehensive courses in your C’Life account; they are ready to begin as soon as payment is complete, or you can wait for a time that suits you best. Whenever you start, you can transform your commitment to continuing education into an opportunity for new learning.
This is a simplified, fast and efficient CE process. Your only question is, which of the five courses will I start with?
The Insurance Side of Due Diligence and Disclosure
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 5 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 5 credits (3 Financial Planning + 2 Professional Responsibility) |
| Institute Members: | 5 credits (2 Ethics) |
| MFD Credits: | 5 credits (Professional Development) |
Due diligence and disclosure are two activities that work together: due diligence as a form of information discovery and disclosure as a means of sharing information. Together, they are an essential part of the insurance process. There are countless benefits for the agent or advisor who completes a due diligence review and follows through with disclosure. Whereas due diligence is discovery of facts, disclosure is revealing the facts. Doing so puts client interests first. Learn:
- The objectives of completing due diligence and disclosure;
- Performance standards;
- How disclosure is achieved, and barriers to disclosure.
The Intersection of Insurance and Investment
Guide to Investing a Death Benefit
The theory and mechanics of insuring the need for life insurance is fundamental: how much, to whom, and when. The idea of the death benefit may be a somewhat vague notion --- overlooked because of its association with mortality and the end of life. However, the death benefit is the reason that many policyowners acquire a policy. This course takes the concept of the death benefit --- and under your guidance---let’s you say to the policyowner, here’s what to do with the money. The Intersection of Insurance and Investment addresses the basics of coverage and proceeds to address how the sum of the death benefit can be managed, the risks faced by a beneficiary that insurance proceeds might help mitigate, and the investment products that will be suitable for investment of the death benefit. You benefit by the ability you will gain in planning the process and advising at each step. This is not a course for the advisor seeking a transactional sale. It is for the advisor who:
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 7 credits (Financial Planning) |
| Institute Members: | 7 credits |
| ID CE Credits: | 7 credits (Professional Development) |
| MFD Credits: | 7 credits (Professional Development) |
The theory and mechanics of insuring the need for life insurance is fundamental: how much, to whom, and when. The idea of the death benefit may be a somewhat vague notion --- overlooked because of its association with mortality and the end of life. However, the death benefit is the reason that many policyowners acquire a policy. This course takes the concept of the death benefit --- and under your guidance---let’s you say to the policyowner, here’s what to do with the money. The Intersection of Insurance and Investment addresses the basics of coverage and proceeds to address how the sum of the death benefit can be managed, the risks faced by a beneficiary that insurance proceeds might help mitigate, and the investment products that will be suitable for investment of the death benefit. You benefit by the ability you will gain in planning the process and advising at each step. This is not a course for the advisor seeking a transactional sale. It is for the advisor who:
- Seeks reputational excellence through knowledge and its disclosure;
- Chooses in-depth analysis to back recommendations;
- Pursues a course of action to put client interest first.
Planning For Longevity with Life Insurance
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 5 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 5 credits (Financial Planning) |
| Institute Members: | 5 credits |
| MFD Credits: | 5 credits (Professional Development) |
Let’s be clear: when we talk about longevity we are talking about the length of a lifespan. Let’s also be clear: the length of lifespans in Canada on average is increasing. The longer one lives, the longer one needs to finance the costs of living. Perish the thought---and fear--- of running out of money before running out of life.
A plan ensures income is available for the duration of life. Strategies may be adopted for health, lifestyle, and wealth. That is where this course comes in: Strategizing how to build wealth, maintain it, and manage it in the future.
The key planning strategies which you will learn to appreciate are:
- Identifying options for funding,
- Choosing the option or options that will be most suitable and achievable, and
- Defining the steps needed to make the desired option a reality.
Suitable or Unsuitable?
Determining the Suitability of Insurance and Investment Products
Unsuitable investments have been an ongoing major complaint of investors to regulators. Investors pin underperformance, fees and charges on their advisor and their recommendations. Yet the client is given many ongoing opportunities to retrace their steps and find other investments with which they are more comfortable. Why do they go so far as making as challenging suitability?
Avoiding the frustration that leads to charges of unsuitability is one issue addressed in this useful course. You will also:
| Provincial Life Credits: | 3 credits (BC, SK, MB, ON) |
| FP Canada Credits: | 3 credits (Financial Planning) |
| Institute Members: | 3 credits |
| MFD Credits: | 3 credits (Professional Development) |
Unsuitable investments have been an ongoing major complaint of investors to regulators. Investors pin underperformance, fees and charges on their advisor and their recommendations. Yet the client is given many ongoing opportunities to retrace their steps and find other investments with which they are more comfortable. Why do they go so far as making as challenging suitability?
Avoiding the frustration that leads to charges of unsuitability is one issue addressed in this useful course. You will also:
- Benefit from a suitability test to apply to recommendations;
- Learn to manage expectations;
- Perceive how risk and suitability work hand-in-hand.
- Learn how to transition the theories of suitability into practical application to arrive at results that put client interests first.
The Value of a Will
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 5 credits (Financial Planning) |
What is the value of having a will compared to not having a will and dying intestate? How about?
- the degree of certainty it brings an individual in their lives;
- the control it exerts over the disposition of assets;
- the desire not to leave things to chance;
- to ensure care for loved ones;
- relieving survivors from decisions they may not want to make.
Price charged to FA: $187.50 (You do not pay on this site.)
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| CLU Credits (Institute): | 30 credits (including 2 Ethics) |
| Provincial Life Credits: | 30 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits | 16 credits (AB, SK, MB, ON) |
| CFP® Certificants: | 30 credits (Financial Planning) |
| ID CE Credits: | tba |
| MFD Credits: | tba |
Chartered Life Underwriters (CLUs) require a minimum of 30 continuing education (CE) credits each calendar year, two credits of which must be from a recognized Ethics program. A minimum of 15 CE credits must be accredited by The Institute. CLUs can complete this package confident they have met Institute requirements since all courses have been Institute-accredited.
You receive five courses in this package:
Ethics for Institute Members
| Provincial Life Credits: | 2 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 2 credits (BC, AB, SK, ON) |
| FP Canada Credits: | 2 credits (Financial Planning) |
| Institute Members: | 2 credits (Ethics) |
As a member of the Institute, you have an ethical obligation to the organization, to clients, and to your industry. Your objective is to arrive at the best ethical outcome for actions you take and decisions within your control.
This course helps you determine some of the situations in which ethics plays a role. We begin with a grounding in ethics and then take a closer look at your ethical obligations. We explore some of the biases that can impact ethics, and ensure that you are particularly attuned to ethical challenges in your seniors’ market.
This is, a wide-ranging exploration of ethical issues. The result? Enthusiasm as to how ethics can work for the benefit of you and your clients.
- Arrive at the best ethical outcomes for clients through your actions and decisions;
- Understand your ethical obligations, particularly for seniors;
- Find an appreciation for how ethics benefits you and your clients.
Good Business: Lessons for Success
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 7 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 7 credits (Financial Planning) |
| Institute Members: | 7 credits |
| MFD Credits: | tba |
This course delivers guidance, insights, and solutions that you can easily implement to benefit you and your clients. Ten easy-to-manage lessons provides you with direction on achieving professionalism in your practice while you serve clients’ needs.
Ideas and theories are buttressed by lots of hands-on practical client information, including how-tos, why-tos, and when-tos.
It is a course you won’t want to miss.
- Link sales with suitability for best client outcomes;
- Learn the importance of setting financial goals across all ages;
- Achieve clarity in virtual and in-person meetings and your writing;
- Measure your behaviour against common ethical standards;
- Implement best practices that pay off.
Insurance Needs of Newcomers to Canada
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 7 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 7 credits (Financial Planning) |
| Institute Members: | 7 credits |
| ID CE Credits: | tba |
| MFD Credits: | tba |
| General Credits: | 7 credits (BC, AB, SK, MB, ON) |
Newcomers to Canada come from many nations and arrive with far-ranging sets of needs. Insurance is a product that protects against risks faced in their new homeland. Discover the many concepts underlying the insurance offer and how to prescribe the exact solution for newcomer requirements.
- Introduce the strengths of insurance products needed by newcomers;
- Help the newcomer-client recognize the benefits of insurance for risk management;
- Develop expertise in the newcomer market by addressing the particular circumstances of newcomers.
Retirement Decumulation – When, How Much, and What to Do
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | tba |
| Institute Members: | 7 credits |
| ID CE Credits: | tba |
| MFD Credits: | tba |
Retirement Decumulation focusses on the subjects of accumulation (saving for retirement) and decumulation (spending in retirement). Decumulation may be a buzz word but it is a very serious subject that describes the deterioration of retirement savings. This course addresses the contentious issues of how much needs to be saved and how retirement income is created for spending --- or saving --- purposes.
- Start with a review of the accumulation process and the necessity to know the client and plan for decumulation;
- Continue with a review of the factors that impact retirement;
- Conclude with a review of how to create the individual retirement pay-cheque within limitations and constraints.
SUDDEN WEALTH: Managing a Windfall from Inheritance, Home Equity, or Business Proceeds
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 7 credits (Financial Planning) |
Receiving a large sum of money can be a source of great joy or deep guilt. Regardless of whether it is bestowed by a sweet twist of fate or other---less happy ---circumstances the money needs professional management to be appropriately used, sustained and grow. The amount received may exceed previous money-management experience of its receivers, leaving them uncertain as to what to do or the best thing to do.
That is where you come in --- with a plan to turn sudden wealth into a comfortable long-term lifestyle. If your client expects to inherit, to receive the value of a DCP, to earn equity from a business sale or sale of other property, you will want to begin wealth coaching long before the money is in the bank.
- Learn the ropes for managing the scope, challenges and benefits of sudden wealth;
- Implement strategies for saving, investing, insuring and gifting;
- Explore the details on legal and tax matters.
Price charged to FA: $225.00 (You do not pay on this site.)
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| FSRA (ON) Life Credits: | 30 credits (ON + use in BC, AB, SK, MB) |
| Provincial A&S Credits: | 19 credits (AB, SK, MB, ON) |
| CFP® Certificants: | 30 credits (Financial Planning) |
| CPA PDUs: | 30 credits |
| Institute Members: | 23 credits (including one Ethics) |
| ID CE Credits: | tba |
| MFD Credits: | tba |
Life agents regulated by FSRA in Ontario require 30 hours of CE every two years at the time of license renewal. C’Life courses meet the requirements of the FSRA for life agents and, as noted above, FP Canada, The Institute, MFD and ID (formally IIROC).
Essentials of Canadian Insurance
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 7 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | tba |
| MFD Credits: | tba |
Essentials of Canadian Insurance compiles insurance need-to-know terms and concepts into a valuable reference. Eliminates time spent searching and provides comprehensive factual information on a wide array of everyday, need-to-know subjects.
What’s in it for you?
- Improve knowledge of insurance terms and facts without getting bogged down in detail;
- Recall industry provisions and particulars for application with client needs;
- Compare features and benefits quickly and easily.
The Fun of Funds: Consideration of the Positive Features of Mutual Funds and Segregated Funds
| Provincial Life Credits: | 4 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | tba |
| Institute Members: | 4 credits |
| ID CE Credits: | tba |
| MFD Credits: | tba |
Well, maybe fun is a slight exaggeration. The point here is that there are many good reasons for fund investing. Leave aside the negative aspects of fees, charges, loads, risks, and volatility of investment funds. Focus the decision about fund investing on the many positive features and advantages that funds offer.
This course puts a positive spin on the proposition you put before clients.
- Review the characteristics, features, benefits, and advantages of funds and fund investing;
- Receive insight into how funds can be used to champion a cause, interest, or belief through socially responsible investing
- Learn the ways of tailoring a fund to the aptitude and needs of the investor;
- Analyze the potential of funds for managing risk.
The Good of Insurance – Sounding Off on Insurance Benefits
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 5 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | tba |
| Institute Members: | 5 credits |
| ID CE Credits: | tba |
| MFD Credits: | tba |
| General Credits: | 5 credits (BC, AB, SK, MB, ON) |
Here are some insurance benefits that reinforce the effectiveness and good uses of an insurance policy.
When you complete this course, you will have:
- A client-focussed list of the unique strengths of insurance;
- Rewarding ideas you can take to the table to underscore valuable insurance product features;
- The advantageous considerations only insurance provides and delivers.
Insurance Needs of Newcomers to Canada
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 7 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 7 credits (Financial Planning) |
| Institute Members: | 7 credits |
| ID CE Credits: | tba |
| MFD Credits: | tba |
| General Credits: | 7 credits (BC, AB, SK, MB, ON) |
Newcomers to Canada come from many nations and arrive with far-ranging sets of needs. Insurance is a product that protects against risks faced in their new homeland. Discover the many concepts underlying the insurance offer and how to prescribe the exact solution for newcomer requirements.
- Introduce the strengths of insurance products needed by newcomers;
- Help the newcomer-client recognize the benefits of insurance for risk management;
- Develop expertise in the newcomer market by addressing the particular circumstances of newcomers.
Retirement Decumulation – When, How Much, and What to Do
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | tba |
| Institute Members: | 7 credits |
| ID CE Credits: | tba |
| MFD Credits: | tba |
Retirement Decumulation focusses on the subjects of accumulation (saving for retirement) and decumulation (spending in retirement). Decumulation may be a buzz word but it is a very serious subject that describes the deterioration of retirement savings. This course addresses the contentious issues of how much needs to be saved and how retirement income is created for spending --- or saving --- purposes.
- Start with a review of the accumulation process and the necessity to know the client and plan for decumulation;
- Continue with a review of the factors that impact retirement;
- Conclude with a review of how to create the individual retirement pay-cheque within limitations and constraints.
Price charged to FA: $225.00 (You do not pay on this site.)
$0.00
$0.00