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:
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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: | 3 credits (AB, SK, MB, ON) |
| CFP® Certificants: | 6 credits (Financial Planning) |
| Institute Members: | 3 credits (2 Ethics) |
| General 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.
Advising on Wills and Intestacy
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| CFP® Certificants: | 3 credits (Financial Planning) |
- 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 by planning.
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) |
| CFP® Certificants: | 3 credits (Financial Planning) |
| Institute Members: | 3 credits (includes 2 Ethics) |
| General Credits: | 3 credits (BC, AB, SK, MB, ON) |
- 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.
Improve outcomes for your savvy seniors and engaging elders.
Price charged to FA: $45.00 (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: | 8 credits (BC, AB, SK, MB, ON) |
| CFP® Certificants: | 8 credits |
| Institute Members: | 9 credits (including 1 Ethics) |
| IIROC Credits: | 7 credits (Professional Development) |
| MFDA Credits: | 7 credits (Professional Development) |
Save the time and aggravation of seminar attendance—with immediate Certificates. Efficiently acquire your credits with:
The Art and Science of Suitability
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| CFP® Certificants: | 5 credits (Financial Planning) |
| Institute Members: | 5 credits (including 1 Ethics) |
| IIROC Credits: | 5 credits (Professional Development) |
| MFDA Credits: | 5 credits (Professional Development) |
| CSF: | 5 credits (1 Compliance, 4 Insurance of Persons) |
Achieving suitability is like hammering a nail on its head. Even if you miss, you have to try until you get the job right.
For a financial advisor, creating suitability between client and product is a challenge with which you are confronted and a means by which you prove your mettle. Whether the product you recommend and provide is insurance or investment, expectations are set for you to do the job objectively, correctly and capably.
Learn expectations and requirements for suitability.
- Plan for the effect of goals and constraints on suitability;
- Be able to prioritize client needs to align them with products;
- Understand how priorities affect decisions;
- Receive a suitability checklist to test actions and approaches.
Work towards mastering and fulfilling the suitability objective in this timely course.
Practical Client Risk Analysis
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| CFP® Certificants: | 3 credits (Financial Planning) |
| Institute Members:: | 4 credits |
| IIROC Credits: | 2 credits (Professional Development) |
| MFDA Credits: | 2 credits (Professional Development) |
Risk is synonymous with uncertainty. The risk a person is willing to take is a result of his or her psychology, life experiences, social conventions, intelligence, and age amongst other factors. Where does that put you when you must gather information about the risk characteristics of a person and apply them to a product with its own risk profile? It puts you in a position in which information, analysis, and thought is required to arrive at appropriate answers.
This course delivers on risk fundamentals by covering:
- The role of disclosure to risk;
- The three measurements in a risk profile: tolerance, capacity, and need;
- The dilemma of applying risk assessment to decision-making.
If you have client-facing responsibilities for investments or insurance, you will come away from this course with a new appreciation for the depth and breadth of risk management.
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: | 7 credits (AB, SK, MB, ON) |
| CFP® Certificants: | 7 credits (5 Financial Planning, 2 Professional Responsibility) |
| Institute Members: | 7 credits (inc. 3 Ethics) |
| IIROC Credits: | 7 credits (5 Professional Development, 2 Compliance) |
| MFDA Credits: | 2 credits (Business Conduct – Ethics) |
| 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) |
| CFP® Certificants: | 2 credits (Professional Responsibility) |
| Institute Members:: | 2 credits (includes 1 Ethics) |
| IIROC Credits: | 2 credits (Compliance) |
| MFDA Credits: | 2 credits (Business Conduct – Ethics) |
| General Credits: | 2 credits (BC, AB, SK, MB, ON) |
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) |
| CFP® Certificants: | 5 credits (Financial Planning) |
| Institute Members: | 5 credits (includes 2 Ethics) |
| IIROC Credits: | 5 credits (Professional Development) |
| General Credits: | 5 credits (BC, AB, SK, MB, ON) |
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 might be affected?
- What 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: | 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:
Be the Better RRSP & TFSA Advisor
| Provincial Life Credits: | 6 credits (BC, AB, SK, MB, ON) |
| CFP® Certificants: | 6 credits (Financial Planning) |
| Institute Members: | 6 credits |
- Identify whether an RRSP or a TFSA can best serve the individual needs of your clients;
- Be prepared with answers to the questions that hold people back from opening and contributing to accounts;
- Understand the pros and cons of RRSPs and TFSAs;
- Gain the confidence and knowledge to decide how to use the accounts most efficiently.
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.
These courses will set you apart from your competition with practical knowledge that’s easy to read and easy to implement. You’ll find learning about tax doesn’t have to be taxing!
Price charged to FA: $60.00 (You do not pay on this site.)
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| Provincial Life Credits: | 10 credits |
| Provincial A&S Credits: | 10 credits |
| CFP® Certificants: | 10 credits (Financial Planning) |
| Institute Members: | 10 credits (including 4 Ethics) |
| IIROC Credits: | 5 credits (Professional Development) |
| MFDA Credits: | 5 credits (Professional Development) |
| General Credits: | 10 credits (BC,AB,SK,MB,ON) |
New courses in this package are provided for the AIC CE cycle ending 30/06/24.
Though licensed agents in Alberta require 15 CE credits each cycle, this package is for those who may have acquired five credits elsewhere—but still need to complete 10 credits by deadline. If you need all 15 credits, please see the 15-Credit Alberta Dynamic Duo (Life + A&S Courses) Package in this catalogue.
This package delivers three courses — each with a focus on must-have practical advice and ideas.
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) |
| CFP® Certificants: | 3 credits (Financial Planning) |
| Institute Members: | 3 credits (includes 2 Ethics) |
| General Credits: | 3 credits (BC, AB, SK, MB, ON) |
- 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 (AB, SK, MB, ON) |
| CFP® Certificants: | 5 credits (Financial Planning) |
| Institute Members: | 5 credits |
| IIROC Credits: | 5 credits (Professional Development) |
| MFDA Credits: | 5 credits (Professional Development) |
| 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.
Get all the goods here.
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.
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 (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) |
| IIROC Credits: | 10 credits (3 Business Conduct Non-ethics, 7 Professional Development) |
| MFDA Credits: | 10 credits (3 Business Conduct Non-ethics, 7 Professional Development) |
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) |
| CFP® Certificants: | 3 credits (Financial Planning) |
| Institute Members: | 3 credits (includes 1 Ethics) |
| IIROC Credits: | 3 credits (Compliance) |
| MFDA Credits: | 3 credits (Professional Development) |
- Addresses the new client-focussed reforms as they apply to know your client (KYC) requirements;
- Reviews essential facts and their relevance;
- Illustrates the relationship between KYC and suitability;
- Informs how to 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) |
| CFP® Certificants: | 7 credits (Financial Planning) |
| Institute Members: | 7 credits (includes 1 Ethics) |
| IIROC Credits: | 7 credits (Professional Development) |
| MFDA Credits: | 7 credits (Professional Development) |
- Reviews many types of investments (including cryptocurrency, ETFs, options, private placements and life insurance) to provide a consistent, customer-focussed product overview and comparison;
- Supplements learning with small case stories throughout;
- Enables compliance with client interest-first directives.
Knowledge becomes know-how in these courses.
Price charged to FA: $75.00 (You do not pay on this site.)
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| IIROC Credits: | 10 credits (Compliance) |
| Provincial Life Credits: | 10 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 3 credits (AB, SK, MB, ON) |
| CFP® Certificants: | 10 credits (8 Financial Planning, 2 Professional Responsibility) |
| Institute Members: | 7 credits (including 2 Ethics) |
| MFDA Members: | 10 credits (Business Conduct Non-ethics) |
| General Credits: | 3 credits (BC, AB, SK, MB, ON) |
| Adjuster Credits: | 3 credits (AB) |
One package fufills all Compliance credits for IIROC Cycle 10 ending 31/12/25.
Investor Protection Principles
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| CFP® Certificants: | 7 credits (5 Financial Planning, 2 Professional Responsibility) |
| Institute Members:: | 7 credits (includes 2 Ethics) |
| IIROC Credits: | 7 credits (Compliance) |
| MFDA Credits: | 7 credits (Business Conduct – Non-Ethics) |
Investors deserve the best possible conduct and business practices by the participants in the investment industry. Protection of seniors and vulnerable clients is a particularly key priority. This focus does not eliminate the need for remaining investors to also be protected.
This course delves into key principles of investor protection with details about:
- The trusted contact person requirement;
- The appropriate assessment of client risk;
- Elimination of conflict of interest;
- Market integrity;
- The proper handling of complaints.
These subjects equip you with the knowledge to perform ethically and to the highest standard.
Manage and Resolve Conflict
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 3 credits (AB, SK, MB, ON) |
| CFP® Certificants: | 3 credits (Financial Planning) |
| IIROC Credits: | 3 credits (Compliance) |
| MFDA Credits: | 3 credits (Business Conduct – Non Ethics) |
| General Credits: | 3 credits (BC, AB, SK, MB, ON) |
| Adjuster Credits: | 3 credits (AB) |
Make clients, colleagues, and managers happy to work with you. Increase managerial and client satisfaction by turning conflict into collaboration. This Course shows you how.
Learn:
- How conflicts begin and how to manage them to a satisfactory solution;
- To recognize your personal style and those around you: are you competitive? An avoider? A compromiser?
- How to get to the bottom of a problem before it becomes a deal-breaker;
- The importance of win-win negotiation.
Includes a win-win negotiation preparation worksheet!
Price charged to FA: $75.50 (You do not pay on this site.)
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| QAFP Credits: | 12 credits (8 Financial Planning, 4 Professional Responsibility) |
| CFP® Certificants: | 12 credits (8 Financial Planning, 4 Professional Responsibility) |
| Provincial Life Credits: | 12 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 2 credits (AB, SK, MB, ON) |
| Institute Members: | 12 credits (including 4 Ethics) |
| IIROC Credits: | 12 credits (9 Compliance, 3 Compliance or Professional Development) |
| MFDA credits: | 12 credits (2 Business Conduct Ethics, 10 Business Conduct Non-ethics) |
When you have attained your QAFP, you have an FP Canada requirement for 12 CE credits annually including 1 Professional Responsibility credit.
Here’s the full slate of the credits you need, with excellent oversight of practical matters combined with actionable ideas.
You receive 3 courses:
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) |
| CFP® Certificants: | 2 credits (Professional Responsibility) |
| Institute Members:: | 2 credits (includes 1 Ethics) |
| IIROC Credits: | 2 credits (Compliance) |
| MFDA Credits: | 2 credits (Business Conduct – Ethics) |
| General Credits: | 2 credits (BC, AB, SK, MB, ON) |
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.
Investor Protection Principles
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| CFP® Certificants: | 7 credits (5 Financial Planning, 2 Professional Responsibility) |
| Institute Members: | 7 credits (includes 2 Ethics) |
| IIROC Credits: | 7 credits (Compliance) |
| MFDA Credits: | 7 credits (Business Conduct – Non-Ethics) |
Investors deserve the best possible conduct and business practices by the participants in the investment industry. Protection of seniors and vulnerable clients is a particularly key priority. This focus does not eliminate the need for remaining investors to also be protected.
This course delves into key principles of investor protection with details about:
- The trusted contact person requirement;
- The appropriate assessment of client risk;
- Elimination of conflict of interest;
- Market integrity;
- The proper handling of complaints.
These subjects equip you with the knowledge to perform ethically and to the highest standard.
KNOW YOUR CLIENT: Its Challenges and Rewards
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| CFP® Certificants: | 3 credits (Financial Planning) |
| Institute Members: | 3 credits (includes 1 Ethics) |
| IIROC Credits: | 3 (Compliance or Professional Development) |
| MFDA Credits: | 3 credits (Professional Development) |
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: $225.00 (You do not pay on this site.)
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| Provincial Life Credits: | 12 credits (BC, AB, SK, MB, ON) |
| CFP® Certificants: | 12 credits (Financial Planning) |
| Institute Members: | 12 credits |
The senior population in Canada is surging. They have assets on their mind: how to preserve acquired assets, how to use those assets for income, and how to distribute remaining assets after death.
Two courses are included in this asset-focussed package:
Property Matters: Property, Beneficiaries, Tax, and Life Insurance
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| CFP® Certificants: | 7 credits (Financial Planning) |
| Institute Members: | 7 credits |
This course answers the question of “what is going to happen to my assets when I die?” It looks at RRSPs, RRIFs, TFSAs, RESPs, mutual funds, the principal and secondary residence, pensions, shares of a small business, and even a collection of stamps. Tax on death for each asset is reviewed and the use of life insurance for value transfer is explored.
You will be able to show your clients how much life insurance they need to fulfill their estate planning goals and how to keep insurance needs in line with increasing tax obligations.
You will also learn the mistakes made in naming beneficiaries, changes to the principal residence exemption, and how to use segregated funds for estate planning.
Property Matters is in-depth information on a subject that touches everyone. It will be a valuable resource in your practice in years to come.
- Build an estate plan properly — based on the value of assets in the estate and how they can be transitioned to beneficiaries;
- Understand where, when, and how taxes are applied;
- Identify the role and adequacy of insurance;
- Help clients plan now for peace of mind later.
RRIF Management: Opportunities and Challenges
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| CFP® Certificants: | 5 credits (Financial Planning) |
It is reported that about 80% of RRSP account owners choose a RRIF as their maturity option. Making the right decisions for a RRIF can have make-or-break consequences for retirement. Learn how you can best manage this prodigious responsibility with information on RRIF rules, risk considerations, and investment fund choices. Consider the phases in the “life” of the RRIF from its initial rollover to its depletion and termination.
This course teaches you how to become a competent manager of RRIFs and provide the best retirement income for your RRIF account owners. You will count on this resource today and in years’ ahead to answer RRIF questions and give guidance on this essential financial product. Not to be missed.
- Learn how to best guide decisions for a RRIF;
- Get information on rules, risk considerations and investment fund choices;
- Ensure the RRIF is the suitable maturity choice for your client’s RRSP.
Make asset management part of your service offering.
Price charged to FA: $90.00 (You do not pay on this site.)
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| Alberta Life Credits: | 15 credits |
| Alberta A&S Credits: | 15 credits |
| CFP® Certificants: | 15 credits (Financial Planning) |
| Institute Members: | 15 credits (including 4 Ethics) |
| IIROC Credits: | 10 credits (Professional Development) |
| MFDA Credits: | 10 credits (Professional Development) |
| General Credits: | 10 credits (BC, AB, SK, MB, ON) |
Why Dynamic Duo? Get both the Life AND A&S credits you need for the AIC CE cycle ending 30/06/24. If you need only 10 credits, please see the 10-Credit Alberta Life + A&S Special Package in this catalogue.
This package delivers four courses that ramp up proficiency and professionalism.
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) |
| CFP® Certificants: | 3 credits (Financial Planning) |
| Institute Members: | 3 credits (includes 2 Ethics) |
| General Credits: | 3 credits (BC, AB, SK, MB, ON) |
- 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 (AB, SK, MB, ON) |
| CFP® Certificants: | 5 credits (Financial Planning) |
| Institute Members: | 5 credits |
| IIROC Credits: | 5 credits (Professional Development) |
| MFDA Credits: | 5 credits (Professional Development) |
| 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.
Get all the goods here.
Making the Right Choices for Insurance
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 5 credits (AB, SK, MB, ON) |
| CFP® Certificants: | 5 credits (Financial Planning) |
| Institute Members:: | 5 credits |
| IIROC Credits: | 5 credits (Professional Development) |
| MFDA Credits: | 5 credits (Professional Development) |
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.
You will develop a wide-ranging understanding of your role in making insurance right for the clients you have and prospects you encounter. Complete this course now to gain selling confidence and proficiency.
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.
Price charged to FA: $112.50 (You do not pay on this site.)
$0.00
$0.00
| Provincial Life Credits: | 15 credits (BC, AB, SK, MB, ON) |
| A&S Credits: | 7 credits (AB, SK, MB, ON) |
| CFP® Certificants: | 15 credits (13 Financial Planning, 2 Professional Responsibility) |
| Institute Members: | 8 credits (includes 2 Ethics) |
| IIROC Credits: | 8 credits (5 Professional Development, 3 Compliance) |
| MFDA Credits: | 15 credits (12 Professional Development, 3 Business Conduct – Non-Ethics) |
C’Life is an Insurance Council of BC Accredited Course Provider!
Get 15 Life credits to use for the ICBC CE cycle ending 31/05/25. You do not need to wait until 2025: this package can be completed at any time to fulfill your CE needs in any category as shown.
You receive:
BARRIERS TO INSURANCE: REASONS FOR UNDERINSURANCE
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| CFP® Certificant: | 5 credits (Financial Planning) |
| Institute Members: | 5 credits |
| IIROC Credits: | 5 credits (Professional Development) |
| MFDA Credits: | 5 credits (Business Conduct – Non-Ethics) |
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.
Take charge to eliminate the barriers holding back action.
ESSENTIALS OF CANADIAN INSURANCE
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 7 credits (AB, SK, MB, ON) |
| CFP® Certificants: | 7 credits (Financial Planning) |
| MFDA Credits: | 7 credits (Professional Development) |
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.
These snapshots of terms, phrases, and policy particulars are exactly what you need to have on hand for quick review and relevance to client needs. You get the benefits and so do the folks in your business who can ramp up their knowledge and proficiency.
RECOGNIZING AND MANAGING FINANCIAL CONFLICTS OF INTEREST
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| CFP® Certificants: | 3 credits (1 Financial Planning, 2 Professional Responsibility) |
| Institute Members: | 3 credits (includes 2 Ethics) |
| IIROC Credits: | 3 credits (Compliance) |
| MFDA Credits: | 3 credits (Business Conduct – Non-Ethics) |
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.
Make elimination of conflict of interest your objective; read Conflicts of Interest now.
Price charged to FA: $112.50 (You do not pay on this site.)
$0.00
$0.00
| 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 |
| IIROC Credits: | 5 credits (Professional Development) |
| MFDA Credits: | 12 credits (5 Professional Development, 7 Business Conduct Non-ethics) |
| 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) |
| CFP® Certificants: | 5 credits (Financial Planning) |
| IIROC Credits: | 5 credits (Professional Development) |
| MFDA Credits: | 5 credits (Professional Development) |
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 (AB, SK, MB, ON) |
| CFP® Certificants: | 7 credits (Financial Planning) |
| Institute Members: | 7 credits |
| MFDA Credits: | 7 credits (Business Conduct Non-ethcs) |
| General Credits: | 7 credits (BC, AB, SK, MB, ON) |
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 (AB, SK, MB, ON) |
| CFP® Certificants: | 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.)
$0.00
$0.00
| 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) |
| IIROC Credits: | 3 credits (Compliance /Professional Development) |
| MFDA Credits: | 3 credits (Business Conduct – Non-Ethics) |
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) |
| CFP® Certificants: | 5 credits (Financial Planning) |
| 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 (AB, SK, MB, ON) |
| CFP® Certificants: | 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) |
| CFP® Certificants: | 3 credits (Financial Planning) |
| Institute Members: | 3 credits (includes 1 Ethics) |
| IIROC Credits: | 3 credits (Compliance /Professional Development) |
| MFDA Credits: | 3 credits (Business Conduct – Non-Ethics) |
Price charged to FA: $112.50 (You do not pay on this site.)
$0.00
$0.00
| Provincial Life Credits: | 15 credits (BC, AB, SK, MB, ON) |
| A&S Credits: | 7 credits (AB, SK, MB, ON) |
| CFP® Certificants: | 15 credits (13 Financial Planning, 2 Professional Responsibility) |
| Institute Members: | 8 credits (includes 2 Ethics) |
| IIROC Credits: | 8 credits (5 Professional Development, 3 Compliance) |
| MFDA Credits: | 15 credits (12 Professional Development, 3 Business Conduct – Non-Ethics) |
Get 15 Life credits to use for the ICM CE cycle ending 31/05/25. You do not need to wait until 2025: this package can be completed at any time to fulfill your CE needs in any category as shown.
You receive:
BARRIERS TO INSURANCE: REASONS FOR UNDERINSURANCE
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| CFP® Certificant: | 5 credits (Financial Planning) |
| Institute Members: | 5 credits |
| IIROC Credits: | 5 credits (Professional Development) |
| MFDA Credits: | 5 credits (Business Conduct – Non-Ethics) |
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.
Take charge to eliminate the barriers holding back action.
ESSENTIALS OF CANADIAN INSURANCE
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 7 credits (AB, SK, MB, ON) |
| CFP® Certificants: | 7 credits (Financial Planning) |
| MFDA Credits: | 7 credits (Professional Development) |
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.
These snapshots of terms, phrases, and policy particulars are exactly what you need to have on hand for quick review and relevance to client needs. You get the benefits and so do the folks in your business who can ramp up their knowledge and proficiency.
RECOGNIZING AND MANAGING FINANCIAL CONFLICTS OF INTEREST
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| CFP® Certificants: | 3 credits (1 Financial Planning, 2 Professional Responsibility) |
| Institute Members: | 3 credits (includes 2 Ethics) |
| IIROC Credits: | 3 credits (Compliance) |
| MFDA Credits: | 3 credits (Business Conduct – Non-Ethics) |
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.
Make elimination of conflict of interest your objective; read Conflicts of Interest now.
Price charged to FA: $112.50 (You do not pay on this site.)
$0.00
$0.00
| ICS Life Credits: | 15 credits (including 3 Ethics) |
| Provincial A&S Credits: | 12 credits (AB, SK, MB, ON) |
| CFP® Certificants: | 15 credits (13 Financial Planning, 2 Professional Responsibility) |
| Institute Members: | 15 credits (including 1 Ethics) |
| IIROC Credits: | 5 credits (Professional Development) |
| MFDA Credits: | 12 credits (7 Business Conduct Non-ethics, 5 Professional Development) |
| General Credits: | 7 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 (3 credits per five years of licensing).
Finding the Fit: Suitability and Professional Responsibility
| ICS Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| CFP® Certificants: | 3 credits (2 Professional Responsibility, 1 Financial Planning) |
| Institute Members: | 3 credits (includes 1 Ethics) |
- Learn the reasons that investment suitability is the most common complaint among older investors and how that complaint can be eliminated through the decisions you make;
- Read case studies taken from the files of regulators about instances where suitability has been abused;
- Be guided with a suitability checklist to test your recommendations and actions.
Good Business: Lessons for Success
| ICS Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 7 credits (AB, SK, MB, ON) |
| CFP® Certificants: | 7 credits (Financial Planning) |
| Institute Members: | 7 credits |
| MFDA Credits: | 7 credits (Business Conduct Non-ethics) |
| General Credits: | 7 credits (BC, AB, SK, MB, ON) |
- 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.
FINANCIAL PLANNING FOR LIFE: Income Replacement
| ICS Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 5 credits (AB, SK, MB, ON) |
| CFP® Certificants: | 5 credits (Financial Planning) |
| Institute Members: | 5 credits |
| IIROC Credits: | 5 credits (Professional Development) |
| MFDA Credits: | 5 credits (Professional Development) |
- Prepare a client for income replacement with knowledge of product options for self-insuring and emergency funds;
- Turn an approach into a successful sale by knowing the client and ensuring suitability;
- Apply standards of conduct to the sales process.
Receive an immediate regulator-approved Certificate upon completion of each course.
Price charged to FA: $112.50 (You do not pay on this site.)
$0.00
$0.00
| Provincial Life Credits: | 15 credits (BC, AB, SK, MB, ON) |
It is clear, when all you need is life credits, all you should buy are life credits. That is what happens here.
Complaint Handling and Avoidance
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 5 credits (AB, SK, MB, ON) |
| CFP® Certificants: | 5 credits (Financial Planning) |
| Institute Members: | 5 credits (inc. 1 Ethics) |
Learn the rules and the mitigation measures to prevent complaints. Find out what to expect if a complaint is lodged, and your role in the investigation process. Read extensive case studies in each of insurance, FP Canada, the MFDA and IIROC complaint hearings. And, see where ombudservices step up, and when the legal remedy applies.
By reviewing causes for complaints, this course is an excellent guide to remind you of how to avoid a complaint in addition to how resolution can be brought about
- Learn what happens when a complaint is filed, and mitigation measures to prevent complaints;
- Find out what to expect if a complaint is made about you, and your role in the investigation process;
- Read extensive case studies in each of insurance, FP Canada, the MFDA and IIROC complaint hearings;
- Gain vital knowledge on how to avoid a complaint in addition to how resolution can be brought about.
Good Business: Lessons for Success
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 7 credits (AB, SK, MB, ON) |
| CFP® Certificants: | 7 credits (Financial Planning) |
| Institute Members: | 7 credits |
| MFDA Credits: | 7 credits (Business Conduct Non-ethcs) |
| General Credits: | 7 credits (BC, AB, SK, MB, ON) |
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.
Why Ethics Matter
| Provincial Life Credits: | 3 credits (BC, AB, SK: 3 Ethics, MB, ON) |
| Provincial A&S Credits: | 3 credits (AB, SK, MB, ON) |
| CFP® Certificants: | 3 credits (1 Financial Planning, 2 Professional Responsibility) |
| Institute Members: | 3 credits (includes 1 Ethics) |
| IIROC Credits: | 3 credits (Compliance) |
| MFDA Credits: | 3 credits (Business Conduct – Ethics) |
| Adjusters: | 3 credits (BC, AB) |
| General Credits: | 3 credits (BC, AB, SK, MB, ON) |
What makes ethics important?
Ethics matter because they guide the notion of what is right — a concept firmly ensconced in the directive to put client interests first. This directive is broad in scope and challenging to implement. Yet, putting client interest first is now a requirement of the client-focussed reforms adopted by the Canadian Securities Administrators. It cannot be ignored or sidelined.
This course will help you understand what ethics is and the many reasons ethics matter. You will read case studies and many practical applications of ethical principles. Finally, you will wrap up with ideas to develop your own code of ethics for professional success.
- Understand the reasons ethics are essential personally and professionally;
- Read case studies that illustrate ethical lapses;
- Discover how to become a more ethical
Price charged to FA: $112.50 (You do not pay on this site.)
$0.00
$0.00
| 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.)
$0.00
$0.00
| IIROC Credits: | 18 credits (11 Professional Development, 7 Compliance) |
| Provincial Life Credits: | 19 credits (BC, AB, SK, MB, ON) |
| CFP® Certificants: | 19 credits (2 Professional Responsibility, 17 Financial Planning) |
| Institute Members: | 20 credits (including 3 Ethics) |
| MFDA Credits: | 18 credits (7 (Business Conduct Non-ethics, 11 Professional Development) |
There are the products you sell and the people to whom you sell. Both need your expert attention. Here is how to excel.
THE ART AND SCIENCE OF SUITABILITY
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| CFP® Certificants: | 5 credits (Financial Planning) |
| Institute Members: | 5 credits (including 1 Ethics) |
| IIROC Credits: | 5 credits (Professional Development) |
| MFDA Credits: | 5 credits (Professional Development) |
For a financial advisor, creating suitability between client and product is a challenge with which you are confronted and a means by which you prove your mettle. Whether the product you recommend and provide is insurance or investment, expectations are set for you to do the job objectively, correctly and capably.
Learn expectations and requirements for suitability:
- Plan for the effect of goals and constraints on suitability;
- Be able to prioritize client needs to align them with products;
- Understand how priorities affect decisions;
- Receive a suitability checklist to test actions and approaches.
Work towards mastering and fulfilling the suitability objective in this timely course.
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) |
| CFP® Certificants: | 4 credits (Financial Planning) |
| Institute Members: | 4 credits |
| IIROC Credits: | 4 credits (Professional Development) |
| MFDA Credits: | 4 credits (Professional Development) |
The fees, charges, loads, risks, and volatility of investment funds are a constant flow of negative information on which to base a decision about fund investing. What about the other side of the coin? Mutual funds, and their insurance cousin—segregated funds—offer many positive features and advantages.
Use this course to be reminded of the good reasons for fund investing.
- 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.
INVESTOR PROTECTION PRINCIPLES
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| CFP® Certificants: | 7 credits (5 Financial Planning, 2 Professional Responsibility) |
| Institute Members: | 7 credits (including 2 Ethics) |
| IIROC Credits: | 7 credits (Compliance) |
| MFDA Credits: | 7 credits (Business Conduct Non-ethics) |
Investors deserve the best possible conduct and business practices by the participants in the investment industry. Protection of seniors and vulnerable clients is a particularly key priority. This focus does not eliminate the need for remaining investors to also be protected.
This course delves into key principles of investor protection with details about:
- The trusted contact person requirement;
- The appropriate assessment of client risk;
- Elimination of conflict of interest;
- Market integrity;
- The proper handling of complaints.
These subjects equip you with the knowledge to perform ethically and to the highest standard.
PRACTICAL CLIENT RISK ANALYSIS
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| CFP® Certificants: | 3 credits (Financial Planning) |
| Institute Members: | 4 credits |
| IIROC Credits: | 2 credits (Professional Development) |
| MFDA Credits: | 2 credits (Professional Development) |
Risk is synonymous with uncertainty. The risk a person is willing to take is a result of his or her psychology, life experiences, social conventions, intelligence, and age amongst other factors. Where does that put you when you must gather information about the risk characteristics of a person and apply them to a product with its own risk profile? It puts you in a position in which information, analysis, and thought is required to arrive at appropriate answers.
This course delivers on risk fundamentals by covering:
- The role of disclosure to risk;
- The three measurements in a risk profile: tolerance, capacity, and need;
- The dilemma of applying risk assessment to decision-making.
If you have client-facing responsibilities for investments or insurance, you will come away with a new appreciation for the depth and breadth of risk management.
Price charged to FA: $135.00 (You do not pay on this site.)
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| PFP® Professionals: | 20 credits (5 Compliance, 15 Professional Development) |
| Provincial Life Credits: | 20 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 12 credits (AB, SK, MB, ON) |
| CFP® Certificants: | 20 credits (16 Financial Planning, 4 Professional Responsibility) |
| Institute Members: | 20 credits (including 3 Ethics) |
| IIROC Credits: | 20 credits (5 Compliance, 15 Professional Development) |
| MFDA Credits: | 20 credits (2 Business Conduct Ethics, 3 Business Conduct Non-ethics, 15 Professional Development) |
| General Credits: | 7 credits (BC, AB, SK, MB, ON) | CSF: | 5 credits (1 Compliance, 4 Insurance of Persons) |
Enhance your education, competence and professionalism with this new selection of courses for the PFP professional.
You receive:
The Art and Science of Suitability
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| CFP® Certificants: | 5 credits (Financial Planning) |
| Institute Members: | 5 credits (including 1 Ethics) |
| IIROC Credits: | 5 credits (Professional Development) |
| MFDA Credits: | 5 credits (Professional Development) |
| CSF: | 5 credits (1 Compliance, 4 Insurance of Persons) |
Creating suitability between client and product is a challenge with which you are confronted and a means by which you prove your mettle. Whether the product you recommend and provide is insurance or investment, expectations are set for you to do the job objectively, correctly and capably.
Learn expectations and requirements for suitability and how to achieve this lofty goal:
- Optimize suitability for insurance and investment products;
- Implement a holistic approach that looks at total needs, situations, weaknesses, and strengths of the individual with the products and services available to the individual;
- Understand how priorities affect decisions;
- Execute the suitability checklist.
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) |
| CFP® Certificants: | 2 credits (Professional Responsibility) |
| Institute Members: | 2 credits (includes 1 Ethics) |
| IIROC Credits: | 2 credits (Compliance) |
| MFDA Credits: | 2 credits (Business Conduct – Ethics) |
| General Credits: | 2 credits (BC, AB, SK, MB, ON) |
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.
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 (AB, SK, MB, ON) |
| CFP® Certificants: | 5 credits (Financial Planning) |
| Institute Members: | 5 credits |
| IIROC Credits: | 5 credits (Professional Development) |
| MFDA Credits: | 5 credits (Professional Development) |
| 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.
Get all the goods here.
Making the Right Choices for Insurance
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 5 credits (AB, SK, MB, ON) |
| CFP® Certificants: | 5 credits (Financial Planning) |
| Institute Members: | 5 credits |
| IIROC Credits: | 5 credits (Professional Development) |
| MFDA Credits: | 5 credits (Professional Development) |
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.
You will develop a wide-ranging understanding of your role in making insurance right for the clients you have and prospects you encounter. Complete this course now to gain selling confidence and proficiency.
Recognizing and Managing Financial Conflicts of Interest
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| CFP® Certificants: | 3 credits (1 Financial Planning, 2 Professional Responsibility) |
| Institute Members: | 3 credits (includes 2 Ethics) |
| IIROC Credits: | 3 credits (Compliance) |
| MFDA Credits: | 3 credits (Business Conduct – Non-Ethics) |
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.
Make elimination of conflict of interest your objective; read Conflicts of Interest now.
Receive an immediate regulator-approved Certificate upon completion of each course.
Price charged to FA: $150.00 (You do not pay on this site.)
$0.00
$0.00
| IIROC Credits: | 20 credits (Professional Development) |
| Provincial Life Credits: | 21 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 7 credits (AB, SK, MB, ON) |
| CFP® Certificants: | 21 credits (Financial Planning) |
This package delivers these Professional Development credits to fulfill IIROC requirements for Cycle 10 ending 31/12/25.
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) |
| CFP® Certificants: | 4 credits (Financial Planning) |
| Institute Members: | 4 credits |
| IIROC Credits: | 4 credits (Professional Development) |
| MFDA Credits: | 4 credits (Professional Development) |
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) |
| CFP® Certificants: | 3 credits (Financial Planning) |
| Institute Members: | 4 credits |
| IIROC Credits: | 2 credits (Professional Development) |
| MFDA Credits: | 2 credits (Professional Development) |
Risk is synonymous with uncertainty. The risk a person is willing to take is a result of his or her psychology, life experiences, social conventions, intelligence, and age amongst other factors. Where does that put you when you must gather information about the risk characteristics of a person and apply them to a product with its own risk profile? It puts you in a position in which information, analysis, and thought is required to arrive at appropriate answers.
If you have client-facing responsibilities for investments or insurance, you will come away from this course with a new appreciation for the role of risk and its repercussions.
- The role of disclosure to risk;
- The three measurements in a risk profile: tolerance, capacity, and need;
- The dilemma of applying risk assessment to decision-making.
Retirement Decumulation – When, How Much, and What to Do
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| CFP® Certificants: | 7 credits (Financial Planning) |
| Institute Members: | 7 credits |
| IIROC Credits: | 7 credits (Professional Development) |
| MFDA Credits: | 7 credits (Professional Development) |
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.
From having a second look at savings strategies through to D-Day (Decumulation Day), find ideas to create a retirement paycheque for your client.
Taking Care of Business: Insurance Needs of Business Owners
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 7 credits (AB, SK, MB, ON) |
| CFP® Certificants: | 7 credits (Financial Planning) |
| Institute Members: | 7 credits |
| IIROC Credits: | 7 credits (Professional Development) |
| MFDA Credits: | 7 credits (Professional Development) |
Look around: there are small business owners everywhere. Your coffee shop, hair dresser, restaurants, car dealers, computer shops, florist, butcher, baker, and candlestick maker. These owners are invested in their business. If they only knew how insurance protects their investment.
You can illustrate the protection offered by insurance with answers to questions that may be as fundamental as the necessity of insurance — and as complex as the models of shareowner buy-outs. This course shows how.
- Learn how to protect the personal and corporate interests of business owners with appropriate insurance coverage;
- Get top tips for an exit strategy;
- Build your expertise and confidence in order to excel in the business insurance market.
Price charged to FA: $150.00 (You do not pay on this site.)
$0.00
$0.00
| CFP® Certificants: | 25 credits (23 Financial Planning, 2 Professional Responsibility) |
| Provincial Life Credits: | 25 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 14 credits (AB, SK, MB, ON) |
| Institute Members: | 26 credits (including 2 Ethics) |
| IIROC Credits: | 17 credits (3 Compliance, 14 Professional Development) |
| MFDA Credits: | 24 credits (10 Business Conduct Non-ethics, 14 Professional Development) |
| General Credits: | 14 credits (BC, AB, SK, MB, ON) |
New approved courses for 2024 designed for your FP-Canada CFP requirements without any course duplication from 2022 or 2023. Does Option A or Option B suit you best?
Here’s one of your two best CE credit solutions for 2024:
Barriers to Insurance: Reasons for Underinsurance
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| CFP® Certificants: | 5 credits (Financial Planning) |
| Institute Members: | 5 credits |
| IIROC Credits: | 5 credits (Professional Development) |
| MFDA Credits: | 5 credits (Professional Development) |
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.
Conflicts of Interest
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| CFP® Certificants: | 3 credits (1 Financial Planning, 2 Professional Responsibility) |
| Institute Members: | 3 credits (2 Ethics) |
| IIROC Credits: | 3 credits (Compliance) |
| MFDA Credits: | 3 credits (Business Conduct – Non-Ethics) |
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.
- 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 (AB, SK, MB, ON) |
| CFP® Certificants: | 7 credits (Financial Planning) |
| Institute Members: | 7 credits |
| MFDA Credits: | 7 credits (Business Conduct Non-ethics) |
| General Credits: | 7 credits (BC, AB, SK, MB, ON) |
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 (AB, SK, MB, ON) |
| CFP® Certificants: | 7 credits (Financial Planning) |
| Institute Members: | 7 credits |
| IIROC Credits: | 7 credits (Professional Development) |
| MFDA Credits: | 7 credits (Professional Development) |
| 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.
Make the right offer…make the offer right: on conclusion of Insurance Needs of Newcomers to Canada, you will have new insight into the situation of newcomers and what you can prescribe to create a successful insurance transaction.
Practical Client Risk Analysis
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| CFP® Certificants: | 3 credits (Financial Planning) |
| Institute Members: | 4 credits |
| IIROC Credits: | 2 credits (Professional Development) |
| MFDA Credits: | 2 credits (Professional Development) |
Risk is synonymous with uncertainty. The risk a person is willing to take is a result of his or her psychology, life experiences, social conventions, intelligence, and age amongst other factors. Where does that put you when you must gather information about the risk characteristics of a person and apply them to a product with its own risk profile? It puts you in a position in which information, analysis, and thought is required to arrive at appropriate answers.
If you have client-facing responsibilities for investments or insurance, you will come away from this course with a new appreciation for the role of risk and its repercussions.
- The role of disclosure 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: $187.50 (You do not pay on this site.)
$0.00
$0.00
| CFP® Certificants: | 25 Credits (23 Financial Planning, 2 Professional Responsibility) |
| Provincial Life Credits: | 25 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 14 credits (AB, SK, MB, ON) |
| Institute Credits: | 18 credits (inc. 1 Ethics) |
| IIROC Credits: | 18 credits (2 Compliance, 16 Professional Development) |
| MFDA credits: | 25 credits (2 Business Conduct Ethics, 23 Professional Development) |
| General Credits: | 2 credits (BC, AB, SK, MB, ON) |
Here’s one of your two best CE credit solutions for 2024 (the other is Option A, above) — with an entirely separate tranche of courses from Option A. Valid for FP Canada and other requirements as listed.
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) |
| CFP® Certificants: | 2 credits (Professional Responsibility) |
| Institute Members: | 2 credits (includes 1 Ethics) |
| IIROC Credits: | 2 credits (Compliance) |
| MFDA Credits: | 2 credits (Business Conduct – Ethics) |
| General Credits: | 2 credits (BC, AB, SK, MB, ON) |
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.
Essentials of Canadian Insurance
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 7 credits (AB, SK, MB, ON) |
| CFP® Certificants: | 7 credits (Financial Planning) |
| MFDA Credits: | 7 credits (Professional Development) |
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.
These snapshots of terms, phrases, and policy particulars are exactly what you need to have on hand for quick review and relevance to client needs. You get the benefits and so do the folks in your business who can ramp up their knowledge and proficiency.
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) |
| CFP® Certificants: | 4 credits (Financial Planning) |
| Institute Members: | 4 credits |
| IIROC Credits: | 4 credits (Professional Development) |
| MFDA Credits: | 4 credits (Professional Development) |
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.
Making the Right Choices for Insurance
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 5 credits (AB, SK, MB, ON) |
| CFP® Certificants: | 5 credits (Financial Planning) |
| Institute Members: | 5 credits |
| IIROC Credits: | 5 credits (Professional Development) |
| MFDA Credits: | 5 credits (Professional Development) |
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.
You will develop a wide-ranging understanding of your role in making insurance right for the clients you have and prospects you encounter. Complete this course now to gain selling confidence and proficiency.
Retirement Decumulation – When, How Much, and What to Do
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| CFP® Certificants: | 7 credits (Financial Planning) |
| Institute Credits: | 7 credits |
| IIROC Credits: | 7 credits (Professional Development) |
| MFDA Credits: | 7 credits (Professional Development) |
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.
From having a second look at savings strategies through to D-Day (Decumulation Day), find ideas to create a retirement paycheque for your client.
Price charged to FA: $187.50 (You do not pay on this site.)
$0.00
$0.00
| Provincial Life Credits: | 25 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 3 credits (AB, SK, MB, ON) |
| CFP® Certificants: | 25 credits (Financial Planning) |
| Institute Members: | 22 credits (including 2 Ethics) |
| IIROC Credits: | 8 credits (3 Compliance and/or Professional Development, 5 Professional Development) |
| MFDA Credits: | 15 credits (3 Business Conduct – Non-Ethics, 12 Professional Development) |
It was not unusual that long ago for financial advice to be doled out in men’s clubs or on the golf course. Women were typically marginalized. Now, advisors marginalize women at their peril. Women are a financial force with careers and professions; financial firms are identifying women as a key client category ready for attention.
Over half of Canada’s population are women. Building a female focus for your advisory practice or fine-tuning the products and services you can provide to women pays off. How? — Just consider the benefits of the number of women you could confirm as clients and their unique ability to network and refer. You could be missing out on an excellent business strategy.
These courses help you set the course.
The Art and Science of Suitability
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| CFP® Certificants: | 5 credits (Financial Planning) |
| Institute Members: | 5 credits (including 1 Ethics) |
| IIROC Credits: | 5 credits (Professional Development) |
| MFDA Credits: | 5 credits (Professional Development) |
| CSF: | 5 credits (1 Compliance, 4 Insurance of Persons) |
Creating suitability between client and product is a challenge with which you are confronted and a means by which you prove your mettle. Whether the product you recommend and provide is insurance or investment, expectations are set for you to do the job objectively, correctly and capably.
Learn expectations and requirements for suitability and how to achieve this lofty goal:
- Optimize suitability for insurance and investment products;
- Implement a holistic approach that looks at total needs, situations, weaknesses, and strengths of the individual with the products and services available to the individual;
- Understand how priorities affect decisions;
- Execute the suitability checklist.
Know Your Client: Its Challenges and Rewards
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| CFP® Certificants: | 3 credits (Financial Planning) |
| Institute Members: | 3 credits (includes 1 Ethics) |
| IIROC Credits: | 3 credits (Compliance and/or Professional Development) |
| MFDA Credits: | 3 credits (Business Conduct – Non-Ethics) |
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.
Policy Claims: A Sales and Service Opportunity
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 3 credits (AB, SK, MB, ON) |
| CFP® Certificants: | 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.
A Surviving Spouse: Insurance Considerations and Financial Plans
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| CFP® Certificants: | 7 credits (Financial Planning) |
| Institute Members: | 7 credits |
The death of a spouse can introduce financial anxiety over what to do with the estate, not to mention the survivor’s financial security and future plans.
This course brings together those challenges to show considerations and consequences of a spouse’s death. It covers a broad range of insurance and investment matters relevant to the survivor.
The course equips you to plan ahead for both spouses and the survivor’s needs alone. You will better understand the magnitude of issues to be addressed, and the means by which answers can be found and implemented.
- Covers a broad range of insurance and investment matters relevant to a surviving spouse’s changed circumstances;
- Equips you to plan ahead for both spouses and the survivor’s needs alone;
- Adds to your perspective about retirement planning while delivering lots of can-do ideas.
Women —Their Financial and Insurance Needs
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| CFP® Certificants: | 7 credits (Financial Planning) |
| Institute Members: | 7 credits |
| MFDA Credits | 7 credits (Professional Development) |
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.
Price charged to FA: $187.50 (You do not pay on this site.)
$0.00
$0.00
| Provincial Life Credits: | 31 credits for AIC (AB), ICBC (BC), ICS (SK), ICM (MB), and FSRA (ON) |
| Provincial A&S Credits: | 10 credits (AB, SK, MB, ON) |
| IIROC Credits: | 31 credits (21 Professional Development, 10 Compliance) |
| CIM® Credits: | 31 credits (21 Professional Development, 10 Compliance) |
| CFP® Certificants | 31 credits (27 Financial Planning, 4 Professional Responsibility) |
| QAFP® Professionals: | 31 credits (27 Financial Planning, 4 Professional Responsibility) |
| Financial Planners: | 31 credits (27 Financial Planning, 4 Professional Responsibility) |
| Financial Advisors: | 31 credits (including 7 Ethics) | Institute Members: | 31 credits (including 7 Ethics) |
| PFP®: | 31 credits (21 Professional Development, 10 Compliance) |
| CPA®: | 31 PDU hours |
| MFDA Credits: | 31 credits (21 Professional Development, 3 Business Conduct, 7 Business Conduct Non-Ethics) |
| General Credits: | 10 credits (BC, AB, SK, MB, ON) |
It’s a BIG deal when — with one simple purchase — you receive consolidated CE credits across multiple designations. You’ll find a multitude of credits here whether you are a Financial Planner, Financial Advisor, CFP®, QAFP, CLU, PFP®, Life agents, CPA® or IIROC registrant!
No need to keep looking. Make a commitment now to completing the CE credits you need for this year and next. This comprehensive package includes:
CONFLICTS OF INTEREST
Recognizing and Managing Financial Conflicts of Interest
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| CFP® Certificants: | 3 credits (2 Professional Responsibility, 1 Financial Planning) |
| Institute Members: | 3 credits (includes 2 Ethics) |
| IIROC Credits: | 3 credits (Compliance) |
| MFDA Credits: | 3 credits (Business Conduct – Non-Ethics) |
This course focusses 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.
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) |
| CFP® Certificants: | 4 credits (Financial Planning) |
| Institute Credits: | 4 credits |
| IIROC Credits: | 4 credits (Professional Development) |
| MFDA Credits: | 4 credits (Professional Development) |
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.
Insurance Needs of Newcomers to Canada
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 7 credits (AB, SK, MB, ON) |
| CFP® Certificants: | 7 credits (Financial Planning) |
| Institute Members: | 7 credits (includes 1 Ethics) |
| IIROC Credits: | 7 credits (Professional Development) |
| MFDA Credits: | 7 credits (Professional Development) |
| 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.
Make the right offer…make the offer right: on conclusion of Insurance Needs of Newcomers to Canada, you will have new insight into the situation of newcomers and what you can prescribe to create a successful insurance transaction.
Investor Protection Principles
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| CFP® Certificants: | 7 credits (5 Financial Planning, 2 Professional Responsibility) |
| Institute Members: | 7 credits (including 2 Ethics) |
| IIROC Credits: | 7 credits (Compliance) |
| MFDA Credits: | 7 credits (Business Conduct Non-Ethics) |
Investors deserve the best possible conduct and business practices by the participants in the investment industry. Protection of seniors and vulnerable clients is a particularly key priority. This focus does not eliminate the need for remaining investors to also be protected.
This course delves into key principles of investor protection with details about:
- The trusted contact person requirement;
- The appropriate assessment of client risk;
- Elimination of conflict of interest;
- Market integrity;
- The proper handling of complaints.
These subjects equip you with the knowledge to perform ethically and to the highest standard.
THE PRINCIPLES OF GOOD CONDUCT
Expectations for Life Agents, Insurers, and Intermediaries
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 3 credits in (SK, MB, ON, AB) |
| General Insurance Credits: | 3 credits in (BC, SK, MB, ON, AB) |
| CFP® Certificants: | 3 credits (Financial Planning) |
| Institute Members: | 3 credits (including 2 Ethics) |
| IIROC Credits: | 3 credits (Professional Development) |
| MFDA Credits: | 3 credits (Professional Development) |
| MFDA Credits: | 3 credits (Professional Development) |
| General Credits: | 3 credits in (BC, SK, MB, ON, AB) |
Insurance regulators have issued new guidance for conduct with directions and instructions about what to do and how to do it.
This course provides:
- A discussion on fairness and its practice;
- Expectations for conduct;
- Key ideas on how to achieve the conduct expected of you;
- A checklist of good practices;
- How to implement win-win behavioural principles;
- The reasons good conduct matters.
Retirement Decumulation: WHEN, HOW MUCH, AND WHAT TO DO
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| CFP® Certificants: | 7 credits (Financial Planning) |
| Institute Credits: | 7 credits |
| IIROC Credits: | 7 credits (Professional Development) |
| MFDA Credits: | 7 credits (Professional Development) |
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.
From having a second look at savings strategies through to D-Day (Decumulation Day), find ideas to create a retirement paycheque for your client.
- 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.)
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| CLU Credits (Institute): | 30 credits (including 2 Ethics) |
| Provincial Life Credits: | 29 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits | 12 credits (AB, SK, MB, ON) |
| CFP® Certificants: | 30 credits (28 Financial Planning, 2 Professional Responsibility) |
| MFDA Credits: | 21 credits (14 Professional Development, 7 Business Conduct – Non-Ethics) |
| IIROC Credits: | 21 credits (14 Professional Development, 7 Compliance) |
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:
FINANCIAL PLANNING FOR LIFE: INCOME REPLACEMENT
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 5 credits (AB, SK, MB, ON) |
| CFP® Certificants: | 5 credits (Financial Planning) |
| Institute Members: | 5 credits |
| IIROC Credits: | 5 credits (Professional Development) |
| MFDA Credits: | 5 credits (Professional Development) |
Income protection is a fundamental reason for life insurance and disability insurance.
You will be doing both sides of the equation in this course: a product review including reviewing options for self-insuring and the emergency fund. Then, the other side of the equation for successful sales: knowing the client, ensuring suitability, and how to apply standards of conduct.
This course delivers content and context. You can count on it to develop your critical thinking on the subject of income needs for life.
- Prepare a client for income replacement with knowledge of product options for self-insuring and emergency funds;
- Turn an approach into a successful sale by knowing the client and ensuring suitability;
- Apply standards of conduct to the sales process.
INVESTOR PROTECTION PRINCIPLES
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| CFP® Certificants: | 7 credits (5 Financial Planning, 2 Professional Responsibility) |
| Institute Members:: | 7 credits (includes 2 Ethics) |
| IIROC Credits: | 7 credits (Compliance) |
| MFDA Credits: | 7 credits (Business Conduct – Non-Ethics) |
Investors deserve the best possible conduct and business practices by the participants in the investment industry. Protection of seniors and vulnerable clients is a particularly key priority. This focus does not eliminate the need for remaining investors to also be protected.
This course delves into key principles of investor protection with details about:
- The trusted contact person requirement;
- The appropriate assessment of client risk;
- Elimination of conflict of interest;
- Market integrity;
- The proper handling of complaints.
These subjects equip you with the knowledge to perform ethically and to the highest standard.
PRACTICAL CLIENT RISK ANALYSIS
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| CFP® Certificants: | 3 credits (Financial Planning) |
| Institute Members:: | 4 credits |
| IIROC Credits: | 2 credits (Professional Development) |
| MFDA Credits: | 2 credits (Professional Development) |
Risk is synonymous with uncertainty. The risk a person is willing to take is a result of his or her psychology, life experiences, social conventions, intelligence, and age amongst other factors. Where does that put you when you must gather information about the risk characteristics of a person and apply them to a product with its own risk profile? It puts you in a position in which information, analysis, and thought is required to arrive at appropriate answers.
If you have client-facing responsibilities for investments or insurance, you will come away from this course with a new appreciation for the role of risk and its repercussions.
- The role of disclosure to risk;
- The three measurements in a risk profile: tolerance, capacity, and need;
- The dilemma of applying risk assessment to decision-making.
- 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.
Retirement Decumulation – When, How Much, and What to Do
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| CFP® Certificants: | 7 credits (Financial Planning) |
| IIROC Credits: | 7 credits (Professional Development) |
| MFDA Credits: | 7 credits (Professional Development) |
| Institute Credits: | 7 credits |
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.
From having a second look at savings strategies through to D-Day (Decumulation Day), find ideas to create a retirement paycheque for your client.
TAKING CARE OF BUSINESS: INSURANCE NEEDS OF BUSINESS OWNERS
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 7 credits (AB, SK, MB, ON) |
| CFP® Certificants: | 7 credits (Financial Planning) |
| Institute Members: | 7 credits |
| IIROC Credits: | 7 credits (Professional Development) |
| MFDA Credits: | 7 credits (Professional Development) |
Look around: there are small business owners everywhere. Your coffee shop, hair dresser, restaurants, car dealers, computer shops, florist, butcher, baker, and candlestick maker. These owners are invested in their business. If they only knew how insurance protects their investment.
You can illustrate the protection offered by insurance with answers to questions that may be as fundamental as the necessity of insurance — and as complex as the models of shareowner buy-outs. This course shows how.
- Learn how to protect the personal and corporate interests of business owners with appropriate insurance coverage;
- Get top tips for an exit strategy;
- Build your expertise and confidence in order to excel in the business insurance market.
Price charged to FA: $225.00 (You do not pay on this site.)
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| IIROC Credits: | 30 credits (20 Professional Development, 10 Compliance) |
| Provincial Life Credits: | 30 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 18 credits (AB, SK, MB, ON) |
| CFP® Certificants: | 30 credits (28 Financial Planning, 2 Professional Responsibility) |
| Institute Members: | 27 credits (including 4 Ethics) |
| MFDA Credits: | 25 credits (10 Business Conduct – Non Ethics, 15 Professional Development) |
| General Credits: | 13 credits (BC, AB, SK, MB, ON) |
| Adjuster Credits: | 3 credits (AB) |
One package fulfills all IIROC Professional Development and Compliance credits for the cycle ending 31/12/25. When you make completing these courses for Cycle 10 a personal priority, you will be able to use the credits for any other requirements that arise.
Barriers to Insurance: Reasons for Underinsurance
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| CFP® Certificants: | 5 credits (Financial Planning) |
| Institute Members: | 5 credits |
| IIROC Credits: | 5 credits (Professional Development) |
| MFDA Credits: | 5 credits (Professional Development) |
Procrastination, cognitive biases, and agent behaviour can form the 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.
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) |
| CFP® Certificants: | 5 credits (Financial Planning) |
| Institute Members: | 5 credits (includes 2 Ethics) |
| IIROC Credits: | 5 credits (Professional Development) |
| General Credits: | 5 credits (BC, AB, SK, MB, ON) |
A Big Issue addresses dementia and Alzheimer’s disease in the context of mental and financial capacity. It presents information, insights, and ideas to help you recognize a problem and understand what you can do.
Here’s what you need to know and how to prepare for potentially rocky days ahead.
- Learn to recognize developing financial and mental incapacity in clients;
- Find a strategy for action;
- Address your responsibilities with information, insights, and ideas.
FINANCIAL PLANNING FOR LIFE: INCOME REPLACEMENT
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 5 credits (AB, SK, MB, ON) |
| CFP® Certificants: | 5 credits (Financial Planning) |
| Institute Members: | 5 credits |
| IIROC Credits: | 5 credits (Professional Development) |
| MFDA Credits: | 5 credits (Professional Development) |
Income protection is a fundamental reason for life insurance and disability insurance.
You will be doing both sides of the equation in this course: a product review including reviewing options for self-insuring and the emergency fund. Then, the other side of the equation for successful sales: knowing the client, ensuring suitability, and how to apply standards of conduct.
This course delivers content and context. You can count on it to develop your critical thinking on the subject of income needs for life.
- Prepare a client for income replacement with knowledge of product options for self-insuring and emergency funds;
- Turn an approach into a successful sale by knowing the client and ensuring suitability;
- Apply standards of conduct to the sales process.
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 (AB, SK, MB, ON) |
| CFP® Certificants: | 5 credits (Financial Planning) |
| Institute Members: | 5 credits |
| IIROC Credits: | 5 credits (Professional Development) |
| MFDA Credits: | 5 credits (Professional Development) |
| 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.
Investor Protection Principles
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| CFP® Certificants: | 7 credits (5 Financial Planning, 2 Professional Responsibility) |
| Institute Members: | 7 credits (includes 2 Ethics) |
| IIROC Credits: | 7 credits (Compliance) |
| MFDA Credits: | 7 credits (Business Conduct – Non-Ethics) |
Investors deserve the best possible conduct and business practices by the participants in the investment industry. Protection of seniors and vulnerable clients is a particularly key priority. This focus does not eliminate the need for remaining investors to also be protected.
This course delves into key principles of investor protection with details about:
- The trusted contact person requirement;
- The appropriate assessment of client risk;
- Elimination of conflict of interest;
- Market integrity;
- The proper handling of complaints.
These subjects equip you with the knowledge to perform ethically and to the highest standard.
Manage and Resolve Conflict
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 3 credits (AB, SK, MB, ON) |
| CFP® Certificants: | 3 credits (Financial Planning) |
| IIROC Credits: | 3 credits (Compliance) |
| MFDA Credits: | 3 credits (Business Conduct – Non Ethics) |
| General Credits: | 3 credits (BC, AB, SK, MB, ON) |
| Adjuster Credits: | 3 credits (AB) |
Make clients, colleagues, and managers happy to work with you. Increase managerial and client satisfaction by turning conflict into collaboration. This Course shows you how.
Learn:
- How conflicts begin and how to manage them to a satisfactory solution;
- To recognize your personal style and those around you: are you competitive? An avoider? A compromiser?
- How to get to the bottom of a problem before it becomes a deal-breaker;
- The importance of win-win negotiation.
Includes a win-win negotiation preparation worksheet!
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) |
| IIROC Credits: | 23 credits (Professional Development) |
| MFDA Credits: | 30 credits (Professional Development) |
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, MFDA and IIROC.
Essentials of Canadian Insurance
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 7 credits (AB, SK, MB, ON) |
| CFP® Certificants: | 7 credits (Financial Planning) |
| MFDA Credits: | 7 credits (Professional Development) |
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.
These snapshots of terms, phrases, and policy particulars are exactly what you need to have on hand for quick review and relevance to client needs. You get the benefits and so do the folks in your business who can ramp up their knowledge and proficiency.
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) |
| CFP® Certificants: | 4 credits (Financial Planning) |
| Institute Credits: | 4 credits |
| IIROC Credits: | 4 credits (Professional Development) |
| MFDA Credits: | 4 credits (Professional Development) |
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 (AB, SK, MB, ON) |
| CFP® Certificants: | 5 credits (Financial Planning) |
| Institute Members: | 5 credits |
| IIROC Credits: | 5 credits (Professional Development) |
| MFDA Credits: | 5 credits (Professional Development) |
| 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.
Get all the goods here.
Insurance Needs of Newcomers to Canada
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 7 credits (AB, SK, MB, ON) |
| CFP® Certificants: | 7 credits (Financial Planning) |
| Institute Members: | 7 credits |
| IIROC Credits: | 7 credits (Professional Development) |
| MFDA Credits: | 7 credits (Professional Development) |
| 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.
Make the right offer…make the offer right: on conclusion of Insurance Needs of Newcomers to Canada, you will have new insight into the situation of newcomers and what you can prescribe to create a successful insurance transaction.
Retirement Decumulation – When, How Much, and What to Do
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| CFP® Certificants: | 7 credits (Financial Planning) |
| IIROC Credits: | 7 credits (Professional Development) |
| MFDA Credits: | 7 credits (Professional Development) |
| Institute Credits: | 7 credits |
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.
From having a second look at savings strategies through to D-Day (Decumulation Day), find ideas to create a retirement paycheque for your client.
Price charged to FA: $225.00 (You do not pay on this site.)
$0.00
$0.00
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2024
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