Catalogue of Course Packages
Course Packages
| Provincial Life Credits: | 3 credits (BC, AB, MB, ON) |
| FP Canada Credits: | 3 credits (General) |
This solution is for agents in Saskatchewan who have an ethics requirement for CE. However, any life agent or CFP can take this course to build your understanding of ethics and satisfy regulator specifications.
Not a package of courses but a single course that combines hard-to-find ethics and life insurance credits.
Finding the Fit: Suitability and Professional Responsibility
| Provincial Life Credits: | 3 credits (BC, AB, SK [3 Ethics], MB, ON) |
| FP Canada Credits: | 3 credits (General) |
You are charged with finding the fit between client needs and objectives, and products. The best fit---in fact, the only fit--- is one that puts client interest first. When that fit is achieved, suitability may also be satisfied.
In this course you will be guided towards the considerations of a fitting product. You will also show evidence of, and adherence to, compliance and issues of responsibility. Plus, you receive a suitability checklist to help guide your work.
- 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.
Price charged to FA: $22.50 (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: | 2 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 7 credits (3 General + 2 Financial Planning + Professional Responsibility) |
| Institute Members: | 2 credits |
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) |
| FP Canada Credits: | 3 credits (General) |
Choosing the right time to begin the CPP retirement pension is a source of speculation and pain for advisors and their clients. Now, you will be able to answer the question of “when is best?” knowledgeably when you learn details about CPP with a focus on the issue of timing.
This is essential learning that increases your value to clients and prospects alike.
- 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) |
| FP Canada Credits: | 2 credits (General) |
OAS has flexibility in its start date, just like the Canada Pension Plan (CPP). This raises the questions of: when is the best time to start the pension, age 65 or later? How can a pension be deferred if the individual is automatically enrolled? And, of huge concern to recipients: How can the clawback be avoided?
This course is crucial to planning retirement income. You will learn details about OAS eligibility and enrolment. You will understand how and when income is determined and the steps available to reduce clawback. You will be able to address client OAS concerns knowledgeably and helpfully.
Start making the right OAS decisions with clients now.
This course is crucial to planning retirement income. You will learn details about OAS eligibility and enrolment. You will understand how and when income is determined and the steps available to reduce clawback. You will be able to address client OAS concerns knowledgeably and helpfully.
Start making the right OAS decisions with clients now.
- 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: | 2 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 2 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 2 credits (Professional Responsibility) |
The Standards of Professional Responsibility issued by the FP Canada Standards
Council define the ethical and professional responsibilities of CFP and QAFP
professionals. They include the Code of Ethics, Rules of Conduct, Fitness
Standards and Practice Standards. From time-to-time, updates and changes are made
to the Standards; it is wise for a professional to be aware of such revisions and how
they will affect his practice.
- 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: $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) |
| FP Canada Credits: | 7 credits (5 General + 2 Professional Responsibility) |
| Institute Members: | 5 credits |
| MFD Credits: | 5 credits (Professional Development) |
Save the time and aggravation of seminar attendance—with immediate Certificates. In this package, you receive:
The Client’s Best Interest: Insights and Ideas for Action
| Provincial Life Credits: | 2 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 2 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 2 credits (Professional Responsibility) |
| MFD Credits: | tba |
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) |
| Québec CSF PDU: | 5 Insurance of Persons |
| FP Canada Credits: | 5 credits (General) |
| Institute Members: | 5 credits |
| MFD Credits: | 5 credits (Professional Development) |
A Big Issue addresses dementia and Alzheimer’s disease in the context of mental and financial capacity. Here's what you need to know and how to prepare for working with a client who may begin experiencing capacity issues.
This course delivers on risk fundamentals by covering:
This course delivers on risk fundamentals by covering:
- How will you recognize dementia or Alzheimer’s in your client?;
- How many of your clients may be affected?;
- What else can and will you do - and when?
- Is there a role for insurance?
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) |
| Provincial A&S Credits: | 3 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 8 credits (5 Financial Planning + General) |
| Institute Members: | 5 credits |
| General Insurance Credits: | 3 credits (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.
The Value of a Will
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 5 credits (Financial Planning) |
| Institute Members: | 5 credits |
What is the value of having a will compared to not having a will and dying intestate?
How about?
The value you deliver with this information is deeply meaningful to clients. Don’t hesitate to add this knowledge to your skill set.
How about?
- the degree of certainty it brings an individual in their lives;
- the control it exerts over the disposition of assets;
- the desire not to leave things to chance;
- to ensure care for loved ones;
- relieving survivors from decisions they may not want to make.
The value you deliver with this information is deeply meaningful to clients. Don’t hesitate to add this knowledge to your skill set.
Elder Abuse and the Financial Exploitation of Seniors
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 3 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 3 credits (General) |
| General Credits: | 3 credits (AB, SK, MB, ON) |
Elder abuse occurs in the form of diminished savings, outright theft, loss of asset ownership, a change of beneficiary designations, or abuse of power of attorney abusing the position to the detriment of the grantor.
It is happening all around you — and maybe you have had suspicions that you could not substantiate. That stops now with the knowledge you will gain from this course.
.It is happening all around you — and maybe you have had suspicions that you could not substantiate. That stops now with the knowledge you will gain from this course.
- Recognize the causes and signs of elder financial abuse;
- Know your ethical responsibilities towards your client if you suspect abuse;
- Gain the knowledge you need in order to help suspected victims of elder financial abuse.
Price charged to FA: $60.00 (You do not pay on this site.)
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| Provincial Life Credits: | 8 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 8 credits (General) |
Tax can be planned for, accommodated, reduced, and deferred. Become proactive and make positive changes for your clients that can give them the best tax outcome.
This two-course tax-focussed package includes:
Assets: Their Transition and Taxation
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 5 credits (General) |
| ID CE Credits: | tba |
| MFD Credits: | tba |
Every single client in your wheelhouse has at least one asset. Some will have many. Some are lucky enough to have assets with enough value that both probate and income tax must be considered in the future when those assets are distributed. No one wants to see their hard-earned savings going to tax unnecessarily.
The information in this course will help to ensure that those savings are retained and passed along. It is key to planning an estate.
You’ll learn:
You’ll learn:
- How probate and income tax must be considered when assets are distributed;
- How to limit the impact of taxation to allow clients to optimize their hard-earned savings;
- How to help to ensure client savings are retained and passed along according to plan.
Plan for Probate
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 3 credits (General) |
Let’s call probate (or estate administration tax) what it really is: an after-death tax on the value of the assets of the deceased. It must be paid. It is separate and additional to income tax.
However, probate can be estimated based on client assets and where the client resides. That estimate can spur the individual to take measures to reduce the amount of probate that will be owed.
You can lead the way by working with the client to develop ways and means to reduce probate. You can help your clients save potentially significant costs with the ideas for planning in this course. Do not miss this opportunity.
You can lead the way by working with the client to develop ways and means to reduce probate. You can help your clients save potentially significant costs with the ideas for planning in this course. Do not miss this opportunity.
- Use this information as a step to resolve the lack of understanding clients have about probate;
- Help clients save potentially significant probate fees by planning ahead;
- Find the appropriate strategies in this course to improve outcomes for seniors.
Price charged to FA: $60.00 (You do not pay on this site.)
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| CIRO-MFD CE Credits: | 9 credits* (Business Conduct) |
| Provincial Life Credits: | 10 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits | 3 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 9 credits (5 Financial Planning + 4 Professional Responsibility) |
| Institute Members: | 9 credits (2 Ethics) |
| CIRO-ID CE Credits: | 10 credits (Compliance) |
*One extra credit is provided due to accreditation results.
MFD Business Conduct credits from C’Life are guaranteed, easy to acquire, and make this value-priced package a smart choice for MFD Representatives. (MFD Representatives are required to obtain 2 Business Conduct credits directly from CIRO: https://crm.mfda.ca)
The courses listed below are CIRO-accredited for MFD: Business Conduct credits for MFD cycle 3, with a deadline of November 30, 2027.
Build proficiencies, relevancy and timeliness while ensuring you fulfill your CIRO: MFD requirements on a guaranteed basis for this cycle.
Put these comprehensive courses in your C’Life account now and reap the benefit of also earning life, FP Canada and Institute credits. Courses are ready to begin as soon as payment is complete, or you can wait for a time that suits you best.
Take advantage of this simplified, fast and efficient CE process. You can count on the credits for CIRO: MFD and all other categories listed with each course.
C’Life does not use AI in any course.
Also see:
28 Credits: The CIRO: MFD Total CE Program for 2026-2027
20 Credits: The CIRO: MFD Professional Development CE Program
The Business Conduct Courses are:
Developing a Personal Code of Professional Conduct
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 3 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 2 credits (Professional Responsibility) |
| Institute Members: | 2 credits (Ethics) |
| ID CE Credits: | 3 credits (Compliance) |
| MFD Credits: | 2 credits (Business Conduct Ethics) |
| General Insurance: | 3 credits (AB, SK, MB, ON) |
Why develop a personal code of conduct when you already have been provided with guidance from your regulators or professional organization, such as FP Canada? It’s true that industry codes create consistent expectations. But when you set out your own code you have the opportunity to express personal answers to questions like:
- Why am I doing this job?
- What are my goals?
- How do I measure success?
- How will I know it is time to quit?
- What do I personally offer that sets me apart?
- Why would a client choose me? Would you choose you?
Includes checklists that guide you to building your personal code.
Measures to Protect Investors
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 7 credits (5 Financial Planning + 2 Professional Responsibility) |
| Québec CSF PDU: | 7 Compliance |
| Institute Members: | 7 credits |
| CIRO-MFD Credits: | 7 credits (Business Conduct Non-ethics) |
| CIRO-ID Credits: | 7 credits (Compliance) |
Confident investors can make great clients. They know industry safeguards are in place to protect their financial interests, despite market activity and volatility. Investor protection is one of those safeguards and a foundational principle of the Canadian investment and insurance sectors. These sectors reinforce their principles with regulation and initiatives designed to put client interest first.
To build and maintain investor confidence in the system and its products, through this course, you can build your knowledge of safeguards such as:
- Remedies for investor complaints;
- Use of titles in the industry;
- CRM3 (total cost reporting)
On conclusion, you will have new confidence in the respect your industry shows for client interest through the measures it has implemented.
Price charged to FA: $60.00 (You do not pay on this site.)
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| Provincial Life Credits: | 10 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 10 credits (AB, SK, MB, ON) |
| FP Canada: | 9 credits (7 General; 2 Professional Responsibility) |
| CLU/PFA Institute Members: | 9 credits (2 Ethics) |
| CIRO: ID CE Credits: | 10 credits (3 Compliance; 7 Professional Development) |
| CIRO: MFD CE Credits: | 9 credits (2 Business Conduct Ethics; 7 Professional Development) |
| General Insurance: | 3 credits (AB, SK, MB, ON) |
This package can be used by advisors in any province needing 10 Life and/or 10 A&S credits. In Alberta, a total of 15 Life + A&S credits is required by 30/06/27.
Need 15 credits in each of Life and A&S? — please see the 15-Credit Alberta Dynamic Duo (Life + A&S Courses) Package in this catalogue.
Here are two excellent courses to benefit you with new ideas and valuable insights for your practice.
DEVELOPING A PERSONAL CODE OF PROFESSIONAL CONDUCT
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 3 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 2 credits (Professional Responsibility) |
| Institute Members: | 2 credits (Ethics) |
| ID CE Credits: | 3 credits (Compliance) |
| MFD Credits: | 2 credits (Business Conduct Ethics) |
| General Insurance: | 3 credits (AB, SK, MB, ON) |
Why develop a personal code of conduct when you already have been provided with guidance from your regulators or professional organization, such as FP Canada? It’s true that industry codes create consistent expectations. But when you set out your own code you have the opportunity to express personal answers to questions like:
- Why am I doing this job?
- What are my goals?
- How do I measure success?
- How will I know it is time to quit?
- What do I personally offer that sets me apart?
- Why would a client choose me? Would you choose you?
Includes checklists that guide you to building your personal code.
INSURANCE POLICY BENEFITS
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 7 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 7 credits (General) |
| Institute Members: | 7 credits |
| CIRO: ID Credits: | 7 credits (Professional Development) |
| CIRO: MFD Credits: | 7 credits (Professional Development) |
This course addresses many fundamentals of insurance and its important role of eliminating uncertainty during life, while ill or aging. Each phase brings challenges to the advisor for disclosure and suitability. Life insurance delivers straightforward benefits. Insurance Policy Benefits illustrates how policies become proceeds and how those proceeds can enrich life. On completion, you will:
- Have an overarching view of products and their role as solutions for many client concerns;
- Be able to reinforce policy benefits, such as the tax-free life policy death benefit;
- Assist in the structuring of a policy to ensure a claim of the full sum can be made.
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
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 3 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 3 credits (Financial Planning) |
| Institute Members: | 3 credits (inc. 1 Ethics) |
| MFD CE Credits: | 3 credits (Professional Development) |
| General Credits: | 3 credits (AB, SK, MB, ON) |
Cyber incidents are increasing as a result of hacker attacks, technical failures, sloppy practices, and employee error. The question facing individuals like you and organizations today is not if you will suffer a cyberattack but when.
The threats from a cyberattack are largely underestimated by businesses because the threats are not always well understood. This course will make clear the threats you face and exactly what to do to reduce or eliminate those threats.
- 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
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 7 credits (AB, SK, MB, ON) |
| Québec CSF PDU: | 7 General Subjects |
| FP Canada Credits: | 7 credits (General) |
| MFD Credits: | 7 credits (Professional Development) |
| General Credits: | 7 credits |
Financial fraud is widespread, persistent, and can be very expensive to reverse. It finds its victims through the Internet, phone, mail, the person selling a service at your front door, and inadvertently by word-of-mouth in the latest “hot” investment tip from a friend or neighbour. Artificial intelligence is further contributing to impacts and negative outcomes.
Learn what the frauds are, how they can be prevented, and what to do if you, your clients, or your business becomes a victim.
- 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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| CIRO:ID CE Credits: | 10 Compliance (CM) credits |
| Provincial Life Credits: | 10 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits | 9 credits (4 Professional Responsibility + 5 Financial Planning) |
| Institute Members: | 9 credits (including 2 Ethics) |
| CIRO: MFD Credits: | 9 credits (2 credits Business Conduct Ethics + 7 credits Business Conduct Non-ethics) |
This package provides two excellent courses by which you will satisfy CIRO: ID Compliance requirements for the CE cycle ending 31/12/27. Completing them now puts life insurance, Institute and FP Canada credits at your disposal to use for their annual requirements.
Get on board with these accredited courses:
Developing a Personal Code of Professional Conduct
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 3 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 2 credits (Professional Responsibility) |
| Institute Members: | 2 credits (Ethics) |
| ID CE Credits: | 3 credits (Compliance) |
| MFD Credits: | 2 credits (Business Conduct Ethics) |
| General Insurance: | 3 credits (AB, SK, MB, ON) |
Why develop a personal code of conduct when you already have been provided with guidance from your regulators or professional organization, such as FP Canada? It’s true that industry codes create consistent expectations. But when you set out your own code you have the opportunity to express personal answers to questions like:
- Why am I doing this job?
- What are my goals?
- How do I measure success?
- How will I know it is time to quit?
- What do I personally offer that sets me apart?
- Why would a client choose me? Would you choose you?
Includes checklists that guide you to building your personal code.
Measures to Protect Investors
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 7 credits (5 Financial Planning + 2 Professional Responsibility) |
| Québec CSF PDU: | 7 Compliance |
| Institute Members: | 7 credits |
| CIRO-MFD Credits: | 7 credits (Business Conduct Non-ethics) |
| CIRO-ID Credits: | 7 credits (Compliance) |
Confident investors can make great clients. They know industry safeguards are in place to protect their financial interests, despite market activity and volatility. Investor protection is one of those safeguards and a foundational principle of the Canadian investment and insurance sectors. These sectors reinforce their principles with regulation and initiatives designed to put client interest first.
To build and maintain investor confidence in the system and its products, through this course, you can build your knowledge of safeguards such as:
- Remedies for investor complaints;
- Use of titles in the industry;
- CRM3 (total cost reporting)
On conclusion, you will have new confidence in the respect your industry shows for client interest through the measures it has implemented.
Price charged to FA: $75.00 (You do not pay on this site.)
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| PFA/CLU Institute Accredited: | 10 credits (including 2 Ethics credits) |
| Provincial Life Credits: | 10 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 5 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 10 credits (5 General, 3 FP, 2 PR) |
| CIRO-ID CE Credits: | 5 credits (Professional Development) |
| CIRO-MFD Credits: | 5 credits (Professional Development) |
Here is a superb 10-credit package built for Institute members on the PFA track. It can also be used by other professionals, such as CLUs or CFPs, who need 10 CE credits.
You get courses with insights into issues of the day, such as achieving suitability and managing the flow of information your clients need and deserve. You receive practical advice coupled with knowledge to better manage clients and grow your business.
These courses deserve your attention. Read the details below to fully understand the importance of the information you will receive.
The Insurance Side of Due Diligence and Disclosure
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 5 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 5 credits (3 Financial Planning + 2 Professional Responsibility) |
| Institute Members: | 5 credits (2 Ethics) |
| MFD Credits: | 5 credits (Professional Development) |
| CIRO: ID Credits: | 5 credits (Professional Development) |
Due diligence and disclosure are two activities that work together: due diligence as a form of information discovery and disclosure as a means of sharing information. Together, they are an essential part of the insurance process. There are countless benefits for the agent or advisor who completes a due diligence review and follows through with disclosure. Whereas due diligence is discovery of facts, disclosure is revealing the facts. Doing so puts client interests first. Learn:
- The objectives of completing due diligence and disclosure;
- Performance standards;
- How disclosure is achieved, and barriers to disclosure.
The Art and Science of Suitability
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 5 credits (General) |
| Institute Members: | 5 credits |
| ID CE Credits: | tba |
| MFD Credits: | tba |
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.
Price charged to FA: $60.00 (You do not pay on this site.)
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| Provincial Life Credits: | 10 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 3 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 10 credits (General) |
| Institute Members: | 3 credits (1 Ethics) |
What are your “know” requirements whether as a life agent or investment advisor? They are simple yet challenging: know your client and know your product. Develop that knowledge with these courses.
KNOW YOUR CLIENT: Its Challenges and Rewards
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 3 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 3 credits (General) |
| Institute Members: | 3 credits (includes 1 Ethics) |
| MFD Credits: | tba |
Knowing your client (KYC) takes time, training, and perseverance. It is surely one of the most challenging requirements faced by those with client responsibilities in the financial services.
KYC is the basis for determining suitable investments. It is in your best interest to do a good job of KYC collection and maintenance. It is in your client’s best interest that you practice KYC to the regulatory minimums and beyond.
This course puts you on the right track to accomplish those objectives. You will learn the importance of collected information and how client characteristics affect the client profile and your resulting actions. You will learn how to get the facts you need. And, you will learn some impediments to KYC.
Experience the advantages of good KYC with the knowledge from this important course.
This course puts you on the right track to accomplish those objectives. You will learn the importance of collected information and how client characteristics affect the client profile and your resulting actions. You will learn how to get the facts you need. And, you will learn some impediments to KYC.
Experience the advantages of good KYC with the knowledge from this important course.
- Addresses the new client-focussed reforms as they apply to know your client requirements;
- Reviews what comprises essential facts and their relevance;
- Illustrates the relationship between KYC and suitability;
- Check your decisions with a blueprint for action.
KNOW YOUR PRODUCT: Obligations, Products, and Strategies
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 7 credits (General) |
Know your product (KYP): a straightforward directive that carries considerable weight. It is mandatory in order to make and complete initial recommendations and during continuity of investment ownership.
KYP may encompass a limited or a wide array of investments: your knowledge requirement is not lessened if your licensing is restricted. You still must be able to impart relevant and accurate product information to your clients, answer their questions, and make meaningful product comparisons.
This breakthrough course delivers a useful profile of investments that will be fundamental to your KYP. It can become your go-to reference after completing its job of continuing education:
This breakthrough course delivers a useful profile of investments that will be fundamental to your KYP. It can become your go-to reference after completing its job of continuing education:
- Benefit from an “at a glance” overview of the characteristics of many investments from the common, like GICs, to the more esoteric, like cryptocurrency to make an initial determination of product suitability;
- Learn the more in-depth details of investments by the application of six challenge questions across all investments covered--- from life insurance products, through investment funds, gold, REITs, and many others;
- Review some common investing strategies with their strengths and weaknesses --- in a format that encourages consistency of information.
Knowledge becomes know-how in these courses.
Price charged to FA: $75.00 (You do not pay on this site.)
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| QAFP Credits: | 12 credits (8 Financial Planning + 2 Professional Responsibility + 2 General) |
| FP Canada Credits: | 12 credits (8 Financial Planning + 2 Professional Responsibility + 2 General) |
| Provincial Life Credits: | 12 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 2 credits (AB, SK, MB, ON) |
| Institute Members: | 9 credits |
| MFD credits: | tba |
As a QAFP, FP Canada requires you to complete 12 CE credits annually including 1 Professional Responsibility credit.
Here are three courses in one convenient package that satisfy your FP Canada credit requirements, while delivering credits in all the other categories shown above. You’ll receive excellent oversight of practical matters combined with actionable ideas.
Recognizing and Managing Financial Conflicts of Interest
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 3 credits (1 Financial Planning, 2 Professional Responsibility) |
Here is a course focussed on what actions comprise conflict of interest (COI) for investment advisors and insurance agents, how they can be managed and mitigated, and the personal development efforts you can undertake to help defeat COI from arising.
You will complete this course with:
- Constructive ideas to implement to avoid COI in your behaviour;
- Important insight on how COI develops and how it can be mitigated personally and professionally;
- Answers to some of the big issues about COI and its insidious effects on advice and professional conduct;
- Valuable case studies to illustrate COI and its outcome.
SUDDEN WEALTH: Managing a Windfall from Inheritance, Home Equity, or Business Proceeds
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 7 credits (Financial Planning) |
| Institute Members: | 7 credits |
Receiving a large sum of money can be a source of great joy or deep guilt. Regardless of whether it is bestowed by a sweet twist of fate or other---less happy ---circumstances the money needs professional management to be appropriately used, sustained and grow. The amount received may exceed previous money-management experience of its receivers, leaving them uncertain as to what to do or the best thing to do.
That is where you come in --- with a plan to turn sudden wealth into a comfortable long-term lifestyle. If your client expects to inherit, to receive the value of a DCP, to earn equity from a business sale or sale of other property, you will want to begin wealth coaching long before the money is in the bank.
That is where you come in --- with a plan to turn sudden wealth into a comfortable long-term lifestyle. If your client expects to inherit, to receive the value of a DCP, to earn equity from a business sale or sale of other property, you will want to begin wealth coaching long before the money is in the bank.
- Learn the ropes for managing the scope, challenges and benefits of sudden wealth;
- Implement strategies for saving, investing, insuring and gifting;
- Explore the details on legal and tax matters.
A Trusted Contact Person: Role and Responsibilities
| Provincial Life Credits: | 2 credits (BC, AB, SK, MB, ON)(AB: Pending) |
| Provincial A&S Credits: | 2 credits (AB, SK, MB, ON)(AB: Pending) |
| FP Canada Credits: | 2 credits (General) |
| Institute Members: | 2 credits |
| CIRO-MFD Credits: | 2 credits (Professional Responsibility) |
The naming of a trusted contact person (TCP) to an investment account is an excellent idea for customer and advisor alike. Although it is not a requirement, the TCP nomination has been implemented to deter financial exploitation and safeguard financial assets. As such, it seems directed towards older adults, but, in fact, is useful for people of any age and should be used by people of all ages.
In this course you will:
- Learn what the job description for a TCP is and how those duties are carried out;
- Receive the essential background on the need for a TCP and its role in risk management;
- Get pointers on initiating the TCP conversation with clients.
Price charged to FA: $90.00 (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: | 15 credits (AB, SK, MB, ON) |
| FP Canada: | 14 credits (12 General; 2 Professional Responsibility) |
| CLU/PFA Institute Members: | 9 credits (2 Ethics) |
| CIRO:ID CE Credits: | 10 credits (3 Compliance; 7 Professional Development) |
| CIRO:MFD CE Credits: | 9 credits (2 Business Conduct Ethics; 7 Professional Development) |
| General Insurance: | 3 credits (AB, SK, MB, ON) |
C’Life provides you with CE courses that satisfy your need for credits as they deliver valuable information.
For your 2027 deadline we deliver courses that address practice issues and a focus on insurance benefits and suitability.
You receive both 15 Life AND 15 A&S credits for the AIC CE cycle ending 30/06/27 plus all the other credits listed above! Use your credits in other provinces if you are also licensed there, such as BC, SK or ON.
If you need only 10 credits, please see the 10-Credit Alberta Life + A&S Special Package in this catalogue.
This package delivers courses that work to your benefit with new ideas and valuable insights for your practice. Start now for an efficient and strategic approach to on-time credit completion.
DEVELOPING A PERSONAL CODE OF PROFESSIONAL CONDUCT
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 3 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 2 credits (Professional Responsibility) |
| Institute Members: | 2 credits (Ethics) |
| ID CE Credits: | 3 credits (Compliance) |
| MFD Credits: | 2 credits (Business Conduct Ethics) |
| General Insurance: | 3 credits (AB, SK, MB, ON) |
Why develop a personal code of conduct when you already have been provided with guidance from your regulators or professional organization, such as FP Canada? It’s true that industry codes create consistent expectations. But when you set out your own code you have the opportunity to express personal answers to questions like:
- Why am I doing this job?
- What are my goals?
- How do I measure success?
- How will I know it is time to quit?
- What do I personally offer that sets me apart?
- Why would a client choose me? Would you choose you?
Includes checklists that guide you to building your personal code.
INSURANCE POLICY BENEFITS
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 7 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 7 credits (General) |
| Institute Members: | 7 credits |
| CIRO: ID Credits: | 7 credits (Professional Development) |
| CIRO: MFD Credits: | 7 credits (Professional Development) |
This course addresses many fundamentals of insurance and its important role of eliminating uncertainty during life, while ill or aging. Each phase brings challenges to the advisor for disclosure and suitability. Life insurance delivers straightforward benefits. Insurance Policy Benefits illustrates how policies become proceeds and how those proceeds can enrich life. On completion, you will:
- Have an overarching view of products and their role as solutions for many client concerns;
- Be able to reinforce policy benefits, such as the tax-free life policy death benefit;
- Assist in the structuring of a policy to ensure a claim of the full sum can be made.
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) |
| FP Canada Credits: | 5 credits (General) |
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.
Price charged to FA: $112.50 (You do not pay on this site.)
$0.00
$0.00
| ICBC Credits: | 15 Life credits |
| Provincial Life Credits: | 15 credits (BC, AB, SK, MB, ON, NS) |
| Provincial A&S Credits: | 3 credits (AB, SK, MB, ON) |
| FP Canada: | 15 credits (12 Financial Planning, 3 General) |
| CLU/PFA Institute Members: | 15 credits (1 Ethics) |
| CIRO: ID Credits: | 7 credits (Professional Development) |
| CIRO: MFD Credits: | 10 credits (Professional Development) |
Every year C’Life provides you with reliable and efficient CE credits. Our CE credits for BC licensees are dependable because C’Life is an Insurance Council of BC Accredited Course Provider. And, if you are licensed outside BC, you can also take this package for credits in the categories shown.
This year your attention is directed to what you need to know about AI in your business, how to manage a death benefit and the importance of a valid will.
Start now to earn 15 Life credits for the ICBC CE cycle ending 31/05/27 while you learn new ideas and add valuable solutions to your practice.
You receive:
AI (ARTIFICIAL INTELLIGENCE) IN FINANCIAL SERVICES
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 3 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 3 credits (General) |
| Institute Members: | 3 credits |
| CIRO: ID Credits: | 3 credits (pending) |
| CIRO: MFD Credits: | 3 credits (pending) |
While it is true that AI is changing every day, there are certain basic knowledge-driven concepts about the technology that you should know. Be prepared to answer client questions such as:
- is AI being used in my application and account?
- will I have any issues about keeping my information private so I am not scammed?
- what do you think about AI? Is it as good/bad as they say?
You can learn about the outcome of our small test of an investment recommendation when subjected to AI. Read how AI bias can have life-changing financial impacts.
Includes a valuable checklist with tips to identify fake information.
The information in this course can be thought provoking, stimulating and scary. You need to know about AI; AI in Financial Services is your reliable source for the information you need.
THE INTERSECTION OF INSURANCE AND INVESTMENT
A Guide to Investing a Death Benefit
The theory and mechanics of insuring the need for life insurance is fundamental: how much, to whom, and when. The idea of the death benefit may be a somewhat vague notion --- overlooked because of its association with mortality and the end of life. However, the death benefit is the reason that many policyowners acquire a policy. This course takes the concept of the death benefit --- and under your guidance---let’s you say to the policyowner, here’s what to do with the money.
The Intersection of Insurance and Investment addresses the basics of coverage and proceeds to address how the sum of the death benefit can be managed, the risks faced by a beneficiary that insurance proceeds might help mitigate, and the investment products that will be suitable for investment of the death benefit.
You benefit by the ability you will gain in planning the process and advising at each step. This is not a course for the advisor seeking a transactional sale. It is for the advisor who:
Are you ready to shape your personal standard for personal integrity and conduct? Are you ready to find where insurance meets investment?
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 7 credits (Financial Planning) |
| Institute Members: | 7 credits |
| ID CE Credits: | 7 credits (Professional Development) |
| MFD Credits: | 7 credits (Professional Development) |
The theory and mechanics of insuring the need for life insurance is fundamental: how much, to whom, and when. The idea of the death benefit may be a somewhat vague notion --- overlooked because of its association with mortality and the end of life. However, the death benefit is the reason that many policyowners acquire a policy. This course takes the concept of the death benefit --- and under your guidance---let’s you say to the policyowner, here’s what to do with the money.
The Intersection of Insurance and Investment addresses the basics of coverage and proceeds to address how the sum of the death benefit can be managed, the risks faced by a beneficiary that insurance proceeds might help mitigate, and the investment products that will be suitable for investment of the death benefit.
You benefit by the ability you will gain in planning the process and advising at each step. This is not a course for the advisor seeking a transactional sale. It is for the advisor who:
- Seeks reputational excellence through knowledge and its disclosure;
- Chooses in-depth analysis to back recommendations;
- Pursues a course of action to put client interest first.
Are you ready to shape your personal standard for personal integrity and conduct? Are you ready to find where insurance meets investment?
THE VALUE OF A WILL
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 5 credits (Financial Planning) |
| Institute Members: | 5 credits |
What is the value of having a will compared to not having a will and dying intestate?
How about?
The value you deliver with this information is deeply meaningful to clients. Don’t hesitate to add this knowledge to your skill set.
How about?
- the degree of certainty it brings an individual in their lives;
- the control it exerts over the disposition of assets;
- the desire not to leave things to chance;
- to ensure care for loved ones;
- relieving survivors from decisions they may not want to make.
The value you deliver with this information is deeply meaningful to clients. Don’t hesitate to add this knowledge to your skill set.
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) |
| FP Canada Credits: | 15 credits (General) |
| Institute Members: | 7 credits |
| ID CE Credits: | tba |
| MFD Credits: | tba |
Here are some new ideas to stimulate your thinking and business results.
The courses in this package include:
Assets: Their Transition and Taxation
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 5 credits (General) |
| ID CE Credits: | tba |
| MFD Credits: | tba |
Every single client in your wheelhouse has at least one asset. Some will have many. Some are lucky enough to have assets with enough value that both probate and income tax must be considered in the future when those assets are distributed. No one wants to see their hard-earned savings going to tax unnecessarily.
The information in this course will help to ensure that those savings are retained and passed along. It is key to planning an estate.
You’ll learn:
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) |
| Québec CSF PDU: | 6 Insurance of persons |
| FP Canada Credits: | 7 credits (General) |
| Institute Members: | 7 credits |
| MFD Credits: | 7 credits (Business Conduct Non-Ethics) |
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) |
| FP Canada Credits: | 3 credits (General) |
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.
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: | 8.5 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 15 credits (General) |
| Institute Members: | 8 credits (1 Ethics) |
| ID CE Credits: | tba |
| MFD Credits: | tba |
Retirement can be a source of great joy and freedom, however, it is only realistic to expect certain challenges along the way. This package will develop appropriate client guidance based on needs, expectations for retirement, and retirement risks. It includes:
After Age 71: RRSP/LIRA Options and Strategies
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 5 (General) |
| 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) |
| FP Canada Credits: | 7 credits (General) |
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.
We explore these risks — giving you background and analysis — and go on to provide useful risk management ideas and strategies. You will find hard facts on the safe withdrawal rate for savings. You’ll learn shock therapy for the over-spender. And, you may learn some surprising information about the cost of healthcare for Canadians.
This course delivers a wealth of meaningful and practical ideas and solutions for safeguarding retirement income.
- Prepare to tackle seven significant threats to retirees and their income;
- Explore these risks and learn useful risk management ideas and strategies;
- Benefit from a wealth of meaningful and actionable ideas.
Know Your Client: Its Challenges and Rewards
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 3 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 3 credits (General) |
| Institute Members: | 3 credits (includes 1 Ethics) |
| MFD Credits: | tba |
Knowing your client (KYC) takes time, training, and perseverance. It is surely one of the most challenging requirements faced by those with client responsibilities in the financial services.
KYC is the basis for determining suitable investments. It is in your best interest to do a good job of KYC collection and maintenance. It is in your client’s best interest that you practice KYC to the regulatory minimums and beyond.
This course puts you on the right track to accomplish those objectives. You will learn the importance of collected information and how client characteristics affect the client profile and your resulting actions. You will learn how to get the facts you need. And, you will learn some impediments to KYC.
Experience the advantages of good KYC with the knowledge from this important course.
This course puts you on the right track to accomplish those objectives. You will learn the importance of collected information and how client characteristics affect the client profile and your resulting actions. You will learn how to get the facts you need. And, you will learn some impediments to KYC.
Experience the advantages of good KYC with the knowledge from this important course.
- Addresses the new client-focussed reforms as they apply to know your client requirements;
- Reviews what comprises essential facts and their relevance;
- Illustrates the relationship between KYC and suitability;
- Check your decisions with a blueprint for action.
Price charged to FA: $112.50 (You do not pay on this site.)
$0.00
$0.00
| Provincial Life Credits: | 15 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 12 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 15 credits (10 General + 5 Financial Planning) |
| Institute Members: | 12 credits |
| MFD Credits: | 5 credits (Professional Development) |
Conveniently complete accredited life credits with this package.
Understand Manage and Stop Complaints
For Life agents, CFP®/QAFP™ professionals, Advocis members, and CIRO advisors
This course takes a proactive position towards complaints. It highlights how presenting clear information about complaints and their management can strengthen customer confidence and assure them of fair treatment. Understand, Manage and Stop Complaints illustrates the background of complaints in the life insurance and financial advisory channels, how they can be avoided, and how they must be dealt with.
On completion, the course-taker will:
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 5 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 5 credits (Financial Planning) |
| Institute Members: | 5 credits (2 Ethics) |
| CIRO-MFD Credits: | 5 credits (Professional Development) |
| CIRO-ID Credits: | 5 Credits (Professional Development) |
This course takes a proactive position towards complaints. It highlights how presenting clear information about complaints and their management can strengthen customer confidence and assure them of fair treatment. Understand, Manage and Stop Complaints illustrates the background of complaints in the life insurance and financial advisory channels, how they can be avoided, and how they must be dealt with.
On completion, the course-taker will:
- Develop a superior understanding of psychological factors underlying complaints;
- Evaluate client behaviour and its contribution to complaints;
- Prepare the appropriate response to complaints.
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) |
| Québec CSF PDU: | 6 Insurance of persons |
| FP Canada Credits: | 7 credits (General) |
| Institute Members: | 7 credits |
| MFD Credits: | 7 credits (Business Conduct Non-Ethics) |
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, MB, ON) |
| FP Canada Credits: | 3 credits (General) |
| MFD Credits: | tba |
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.
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 professional to watch business growth.
Price charged to FA: $112.50 (You do not pay on this site.)
$0.00
$0.00
| ICM Credits: | 15 Life credits |
| Provincial Life Credits: | 15 credits (BC, AB, SK, MB, ON, NS) |
| Provincial A&S Credits: | 3 credits (AB, SK, MB, ON) |
| FP Canada: | 15 credits (10 Financial Planning + 3 General) |
| CLU/PFA Institute Members: | 15 credits (1 Ethics) |
| CIRO: ID Credits: | 7 credits (Professional Development) |
| CIRO: MFD Credits: | 10 credits (Professional Development) |
C’Life provides you with CE credits that contribute new ideas and valuable solutions to your practice. This year focusses on the new challenge of AI in your practice, how to manage a death benefit and the importance of a valid will.
While it is true that AI is changing every day, there are certain basic knowledge-driven concepts about the technology that you should know. Be prepared to answer client questions such as:
You can learn about the outcome of our small test of an investment recommendation when subjected to AI. Read how AI bias can have life-changing financial impacts.
Includes a valuable checklist with tips to identify fake information.
The information in this course can be thought provoking, stimulating and scary. You need to know about AI; AI in Financial Services is your reliable source for the information you need.
Manitoba licensees receive 15 Life credits to use for the ICM CE cycle ending 31/05/27 in addition to all other categories listed. Licensees in other provinces can earn 15 credits in each category shown above in accordance with their deadline. Wherever you are licensed, start now for an efficient and strategic approach to on-time credit completion.
You receive:
AI (ARTIFICIAL INTELLIGENCE) IN FINANCIAL SERVICES
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 3 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 3 credits (General) |
| Institute Members: | 3 credits |
| CIRO: ID Credits: | 3 credits (pending) |
| CIRO: MFD Credits: | 3 credits (pending) |
While it is true that AI is changing every day, there are certain basic knowledge-driven concepts about the technology that you should know. Be prepared to answer client questions such as:
- is AI being used in my application and account?
- will I have any issues about keeping my information private so I am not scammed?
- what do you think about AI? Is it as good/bad as they say?
You can learn about the outcome of our small test of an investment recommendation when subjected to AI. Read how AI bias can have life-changing financial impacts.
Includes a valuable checklist with tips to identify fake information.
The information in this course can be thought provoking, stimulating and scary. You need to know about AI; AI in Financial Services is your reliable source for the information you need.
THE INTERSECTION OF INSURANCE AND INVESTMENT
A Guide to Investing a Death Benefit
The theory and mechanics of insuring the need for life insurance is fundamental: how much, to whom, and when. The idea of the death benefit may be a somewhat vague notion --- overlooked because of its association with mortality and the end of life. However, the death benefit is the reason that many policyowners acquire a policy. This course takes the concept of the death benefit --- and under your guidance---let’s you say to the policyowner, here’s what to do with the money.
The Intersection of Insurance and Investment addresses the basics of coverage and proceeds to address how the sum of the death benefit can be managed, the risks faced by a beneficiary that insurance proceeds might help mitigate, and the investment products that will be suitable for investment of the death benefit.
You benefit by the ability you will gain in planning the process and advising at each step. This is not a course for the advisor seeking a transactional sale. It is for the advisor who:
Are you ready to shape your personal standard for personal integrity and conduct? Are you ready to find where insurance meets investment?
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 7 credits (Financial Planning) |
| Institute Members: | 7 credits |
| ID CE Credits: | 7 credits (Professional Development) |
| MFD Credits: | 7 credits (Professional Development) |
The theory and mechanics of insuring the need for life insurance is fundamental: how much, to whom, and when. The idea of the death benefit may be a somewhat vague notion --- overlooked because of its association with mortality and the end of life. However, the death benefit is the reason that many policyowners acquire a policy. This course takes the concept of the death benefit --- and under your guidance---let’s you say to the policyowner, here’s what to do with the money.
The Intersection of Insurance and Investment addresses the basics of coverage and proceeds to address how the sum of the death benefit can be managed, the risks faced by a beneficiary that insurance proceeds might help mitigate, and the investment products that will be suitable for investment of the death benefit.
You benefit by the ability you will gain in planning the process and advising at each step. This is not a course for the advisor seeking a transactional sale. It is for the advisor who:
- Seeks reputational excellence through knowledge and its disclosure;
- Chooses in-depth analysis to back recommendations;
- Pursues a course of action to put client interest first.
Are you ready to shape your personal standard for personal integrity and conduct? Are you ready to find where insurance meets investment?
THE VALUE OF A WILL
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 5 credits (Financial Planning) |
| Institute Members: | 5 credits |
What is the value of having a will compared to not having a will and dying intestate?
How about?
The value you deliver with this information is deeply meaningful to clients. Don’t hesitate to add this knowledge to your skill set.
How about?
- the degree of certainty it brings an individual in their lives;
- the control it exerts over the disposition of assets;
- the desire not to leave things to chance;
- to ensure care for loved ones;
- relieving survivors from decisions they may not want to make.
The value you deliver with this information is deeply meaningful to clients. Don’t hesitate to add this knowledge to your skill set.
Price charged to FA: $112.50 (You do not pay on this site.)
$0.00
$0.00
| ICS Credits: | 15 credits |
| Provincial Life Credits: | 15 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 5 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 15 credits (10 Financial Planning, 2 Professional Responsibility, 3 General) |
| CLU/PFA Institute Members: | 12 credits |
| CIRO: ID Credits: | 12 credits (Professional Development) |
| CIRO: MFD Credits: | 12 credits (Professional Development) |
C’Life provides you with CE credits that contribute new ideas and solutions to your practice. This year you receive valuable advice on suitability that also satisfies your ethics credits, how to manage a death benefit and the importance of due diligence and disclosure in the sales process.
Saskatchewan licensees receive 15 Life credits in this package to use for the anniversary renewal date for your license, in addition to all other categories listed. Licensees in other provinces can earn 15 credits in each category shown above in accordance with their deadline. Wherever you are licensed, start now for an efficient and strategic approach to on-time credit completion.
You receive:
THE INSURANCE SIDE OF DUE DILIGENCE AND DISCLOSURE
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 5 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 5 credits (3 Financial Planning + 2 Professional Responsibility) |
| Institute Members: | 5 credits (2 Ethics) |
| MFD Credits: | 5 credits (Professional Development) |
| CIRO: ID Credits: | 5 credits (Professional Development) |
Due diligence and disclosure are two activities that work together: due diligence as a form of information discovery and disclosure as a means of sharing information. Together, they are an essential part of the insurance process. There are countless benefits for the agent or advisor who completes a due diligence review and follows through with disclosure. Whereas due diligence is discovery of facts, disclosure is revealing the facts. Doing so puts client interests first. Learn:
- The objectives of completing due diligence and disclosure;
- Performance standards;
- How disclosure is achieved, and barriers to disclosure.
FINDING THE FIT: SUITABILITY AND PROFESSIONAL RESPONSIBILITY
| Provincial Life Credits: | 3 credits (BC, AB, SK [3 Ethics], MB, ON) |
| FP Canada Credits: | 3 credits (General) |
You are charged with finding the fit between client needs and objectives, and products. The best fit---in fact, the only fit--- is one that puts client interest first. When that fit is achieved, suitability may also be satisfied.
In this course you will be guided towards the considerations of a fitting product. You will also show evidence of, and adherence to, compliance and issues of responsibility. Plus, you receive a suitability checklist to help guide your work.
- 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.
THE INTERSECTION OF INSURANCE AND INVESTMENT
A Guide to Investing a Death Benefit
The theory and mechanics of insuring the need for life insurance is fundamental: how much, to whom, and when. The idea of the death benefit may be a somewhat vague notion --- overlooked because of its association with mortality and the end of life. However, the death benefit is the reason that many policyowners acquire a policy. This course takes the concept of the death benefit --- and under your guidance---let’s you say to the policyowner, here’s what to do with the money.
The Intersection of Insurance and Investment addresses the basics of coverage and proceeds to address how the sum of the death benefit can be managed, the risks faced by a beneficiary that insurance proceeds might help mitigate, and the investment products that will be suitable for investment of the death benefit.
You benefit by the ability you will gain in planning the process and advising at each step. This is not a course for the advisor seeking a transactional sale. It is for the advisor who:
Are you ready to shape your personal standard for personal integrity and conduct? Are you ready to find where insurance meets investment?
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 7 credits (Financial Planning) |
| Institute Members: | 7 credits |
| ID CE Credits: | 7 credits (Professional Development) |
| MFD Credits: | 7 credits (Professional Development) |
The theory and mechanics of insuring the need for life insurance is fundamental: how much, to whom, and when. The idea of the death benefit may be a somewhat vague notion --- overlooked because of its association with mortality and the end of life. However, the death benefit is the reason that many policyowners acquire a policy. This course takes the concept of the death benefit --- and under your guidance---let’s you say to the policyowner, here’s what to do with the money.
The Intersection of Insurance and Investment addresses the basics of coverage and proceeds to address how the sum of the death benefit can be managed, the risks faced by a beneficiary that insurance proceeds might help mitigate, and the investment products that will be suitable for investment of the death benefit.
You benefit by the ability you will gain in planning the process and advising at each step. This is not a course for the advisor seeking a transactional sale. It is for the advisor who:
- Seeks reputational excellence through knowledge and its disclosure;
- Chooses in-depth analysis to back recommendations;
- Pursues a course of action to put client interest first.
Are you ready to shape your personal standard for personal integrity and conduct? Are you ready to find where insurance meets investment?
Price charged to FA: $112.50 (You do not pay on this site.)
$0.00
$0.00
| CIRO:ID Credits: | 20 credits (Professional Development) |
| Provincial Life Credits: | 20 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 10 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 20 credits (Financial Planning) |
| Institute Members: | 9 credits (2 Ethics) |
| CIRO: MFD Credits: | 20 credits (Business Conduct) |
Professional Development and Compliance courses are required for CE for CIRO: ID Approved Persons. This package fulfills Professional Development credit needs with engaging new courses intended to inform and spark new thinking.
Let’s be clear: when we talk about longevity we are talking about the length of a lifespan. Let’s also be clear: the length of lifespans in Canada on average is increasing. The longer one lives, the longer one needs to finance the costs of living. Perish the thought---and fear--- of running out of money before running out of life.
A plan ensures income is available for the duration of life. Strategies may be adopted for health, lifestyle, and wealth. That is where this course comes in: Strategizing how to build wealth, maintain it, and manage it in the future.
The key planning strategies which you will learn to appreciate are:
The 20 credits from these courses are needed for the 31/12/2027 deadline but completing them now puts life insurance, Institute and FP Canada credits at your disposal to use for their annual requirements.
The courses in this powerful PD program include:
The Intersection of Insurance and Investment
A Guide to Investing a Death Benefit
The theory and mechanics of insuring the need for life insurance is fundamental: how much, to whom, and when. The idea of the death benefit may be a somewhat vague notion --- overlooked because of its association with mortality and the end of life. However, the death benefit is the reason that many policyowners acquire a policy. This course takes the concept of the death benefit --- and under your guidance---let’s you say to the policyowner, here’s what to do with the money.
The Intersection of Insurance and Investment addresses the basics of coverage and proceeds to address how the sum of the death benefit can be managed, the risks faced by a beneficiary that insurance proceeds might help mitigate, and the investment products that will be suitable for investment of the death benefit.
You benefit by the ability you will gain in planning the process and advising at each step. This is not a course for the advisor seeking a transactional sale. It is for the advisor who:
Are you ready to shape your personal standard for personal integrity and conduct? Are you ready to find where insurance meets investment?
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 7 credits (Financial Planning) |
| Institute Members: | 7 credits |
| ID CE Credits: | 7 credits (Professional Development) |
| MFD Credits: | 7 credits (Professional Development) |
The theory and mechanics of insuring the need for life insurance is fundamental: how much, to whom, and when. The idea of the death benefit may be a somewhat vague notion --- overlooked because of its association with mortality and the end of life. However, the death benefit is the reason that many policyowners acquire a policy. This course takes the concept of the death benefit --- and under your guidance---let’s you say to the policyowner, here’s what to do with the money.
The Intersection of Insurance and Investment addresses the basics of coverage and proceeds to address how the sum of the death benefit can be managed, the risks faced by a beneficiary that insurance proceeds might help mitigate, and the investment products that will be suitable for investment of the death benefit.
You benefit by the ability you will gain in planning the process and advising at each step. This is not a course for the advisor seeking a transactional sale. It is for the advisor who:
- Seeks reputational excellence through knowledge and its disclosure;
- Chooses in-depth analysis to back recommendations;
- Pursues a course of action to put client interest first.
Are you ready to shape your personal standard for personal integrity and conduct? Are you ready to find where insurance meets investment?
Planning for Longevity with Life Insurance
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 5 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 5 credits (Financial Planning) |
| Institute Members: | 5 credits |
| CIRO-ID Credits: | 5 credits (Professional Development) |
| CIRO-MFD Credits: | 5 credits (Professional Development) |
Let’s be clear: when we talk about longevity we are talking about the length of a lifespan. Let’s also be clear: the length of lifespans in Canada on average is increasing. The longer one lives, the longer one needs to finance the costs of living. Perish the thought---and fear--- of running out of money before running out of life.
A plan ensures income is available for the duration of life. Strategies may be adopted for health, lifestyle, and wealth. That is where this course comes in: Strategizing how to build wealth, maintain it, and manage it in the future.
The key planning strategies which you will learn to appreciate are:
- Identifying options for funding,
- Choosing the option or options that will be most suitable and achievable, and
- Defining the steps needed to make the desired option a reality.
Suitable or Unsuitable?
Determining the Suitability of Insurance and Investment Products
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 3 credits (Financial Planning) |
| Institute Members: | 3 credits |
| CIRO: ID Credits: | 3 credits (Professional Development) |
| CIRO: MFD Credits: | 3 credits (Professional Development) |
Unsuitable investments have been an ongoing major complaint of investors to regulators. Investors pin underperformance, fees and charges on their advisor and their recommendations. Yet the client is given many ongoing opportunities to retrace their steps and find other investments with which they are more comfortable. Why do they go so far as making as challenging suitability?
Avoiding the frustration that leads to charges of unsuitability is one issue addressed in this useful course. You will also:
Avoiding the frustration that leads to charges of unsuitability is one issue addressed in this useful course. You will also:
- Benefit from a suitability test to apply to recommendations;
- Learn to manage expectations;
- Perceive how risk and suitability work hand-in-hand.
- Learn how to transition the theories of suitability into practical application to arrive at results that put client interests first.
Understand, Manage and Stop Complaints
For Life agents, CFP®/QAFP™ professionals, Advocis members, and CIRO advisors
This course takes a proactive position towards complaints. It highlights how presenting clear information about complaints and their management can strengthen customer confidence and assure them of fair treatment. Understand, Manage and Stop Complaints illustrates the background of complaints in the life insurance and financial advisory channels, how they can be avoided, and how they must be dealt with.
On completion, the course-taker will:
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 5 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 5 credits (Financial Planning) |
| Institute Members: | 5 credits (2 Ethics) |
| CIRO-MFD Credits: | 5 credits (Professional Development) |
| CIRO-ID Credits: | 5 Credits (Professional Development) |
This course takes a proactive position towards complaints. It highlights how presenting clear information about complaints and their management can strengthen customer confidence and assure them of fair treatment. Understand, Manage and Stop Complaints illustrates the background of complaints in the life insurance and financial advisory channels, how they can be avoided, and how they must be dealt with.
On completion, the course-taker will:
- Develop a superior understanding of psychological factors underlying complaints;
- Evaluate client behaviour and its contribution to complaints;
- Prepare the appropriate response to complaints.
Consolidate all your PD credit requirements now with this fulfilling package.
Price charged to FA: $150.00 (You do not pay on this site.)
$0.00
$0.00
| CIRO-MFD CE Credits: | 20 credits (Professional Development) |
| Provincial Life Credits: | 20 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits | 10 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 20 credits (18 Financial Planning, 2 Professional Responsibility) |
| Institute Members: | 20 credits |
| CIRO-ID CE Credits: | 7 credits (Professional Development)* |
*Will increase as CIRO approvals are received.
MFD Professional Development credits from C’Life are guaranteed, easy to acquire, and provide career-based learning opportunities. The low cost of $7.50/credit in this package enhances the value you receive and flags this package as a smart move for MFD Representatives.
The courses listed below are CIRO-accredited for MFD: Professional Development credits for MFD cycle 3, with a deadline of November 30, 2027.
They meet the needs of financial service professionals to build proficiencies, relevancy and timeliness while ensuring you fulfill your CIRO: MFD requirements on a guaranteed basis for this cycle.
Put these comprehensive courses in your C’Life account now and reap the benefit of also earning life, FP Canada and Institute credits. Courses are ready to begin as soon as payment is complete, or you can wait for a time that suits you best. Whenever you start, you can transform your commitment to continuing education into an opportunity for new learning.
This is a simplified, fast and efficient CE process. You can count on the credits for CIRO: MFD and all other categories listed with each course.
C’Life does not use AI in any course.
Also see:
28 Credits: The CIRO: MFD Total CE Program for 2026-2027
8 Credits: The CIRO: MFD Business Conduct CE Program for 2026-2027
The Insurance Side of Due Diligence and Disclosure
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 5 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 5 credits (3 Financial Planning + 2 Professional Responsibility) |
| Institute Members: | 5 credits (2 Ethics) |
| MFD Credits: | 5 credits (Professional Development) |
| CIRO: ID Credits: | 5 credits (Professional Development) |
Due diligence and disclosure are two activities that work together: due diligence as a form of information discovery and disclosure as a means of sharing information. Together, they are an essential part of the insurance process. There are countless benefits for the agent or advisor who completes a due diligence review and follows through with disclosure. Whereas due diligence is discovery of facts, disclosure is revealing the facts. Doing so puts client interests first. Learn:
- The objectives of completing due diligence and disclosure;
- Performance standards;
- How disclosure is achieved, and barriers to disclosure.
The Intersection of Insurance and Investment
A Guide to Investing a Death Benefit
The theory and mechanics of insuring the need for life insurance is fundamental: how much, to whom, and when. The idea of the death benefit may be a somewhat vague notion --- overlooked because of its association with mortality and the end of life. However, the death benefit is the reason that many policyowners acquire a policy. This course takes the concept of the death benefit --- and under your guidance---let’s you say to the policyowner, here’s what to do with the money.
The Intersection of Insurance and Investment addresses the basics of coverage and proceeds to address how the sum of the death benefit can be managed, the risks faced by a beneficiary that insurance proceeds might help mitigate, and the investment products that will be suitable for investment of the death benefit.
You benefit by the ability you will gain in planning the process and advising at each step. This is not a course for the advisor seeking a transactional sale. It is for the advisor who:
Are you ready to shape your personal standard for personal integrity and conduct? Are you ready to find where insurance meets investment?]
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 7 credits (Financial Planning) |
| Institute Members: | 7 credits |
| ID CE Credits: | 7 credits (Professional Development) |
| MFD Credits: | 7 credits (Professional Development) |
The theory and mechanics of insuring the need for life insurance is fundamental: how much, to whom, and when. The idea of the death benefit may be a somewhat vague notion --- overlooked because of its association with mortality and the end of life. However, the death benefit is the reason that many policyowners acquire a policy. This course takes the concept of the death benefit --- and under your guidance---let’s you say to the policyowner, here’s what to do with the money.
The Intersection of Insurance and Investment addresses the basics of coverage and proceeds to address how the sum of the death benefit can be managed, the risks faced by a beneficiary that insurance proceeds might help mitigate, and the investment products that will be suitable for investment of the death benefit.
You benefit by the ability you will gain in planning the process and advising at each step. This is not a course for the advisor seeking a transactional sale. It is for the advisor who:
- Seeks reputational excellence through knowledge and its disclosure;
- Chooses in-depth analysis to back recommendations;
- Pursues a course of action to put client interest first.
Are you ready to shape your personal standard for personal integrity and conduct? Are you ready to find where insurance meets investment?
Planning For Longevity with Life Insurance
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 5 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 5 credits (Financial Planning) |
| Institute Members: | 5 credits |
| CIRO-ID Credits: | 5 credits (Professional Development) |
| CIRO-MFD Credits: | 5 credits (Professional Development) |
Let’s be clear: when we talk about longevity we are talking about the length of a lifespan. Let’s also be clear: the length of lifespans in Canada on average is increasing. The longer one lives, the longer one needs to finance the costs of living. Perish the thought---and fear--- of running out of money before running out of life.
A plan ensures income is available for the duration of life. Strategies may be adopted for health, lifestyle, and wealth. That is where this course comes in: Strategizing how to build wealth, maintain it, and manage it in the future.
The key planning strategies which you will learn to appreciate are:
- Identifying options for funding,
- Choosing the option or options that will be most suitable and achievable, and
- Defining the steps needed to make the desired option a reality.
Suitable or Unsuitable?
Determining the Suitability of Insurance and Investment Products
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 3 credits (Financial Planning) |
| Institute Members: | 3 credits |
| CIRO: ID Credits: | 3 credits (Professional Development) |
| CIRO: MFD Credits: | 3 credits (Professional Development) |
Unsuitable investments have been an ongoing major complaint of investors to regulators. Investors pin underperformance, fees and charges on their advisor and their recommendations. Yet the client is given many ongoing opportunities to retrace their steps and find other investments with which they are more comfortable. Why do they go so far as making as challenging suitability?
Avoiding the frustration that leads to charges of unsuitability is one issue addressed in this useful course. You will also:
Avoiding the frustration that leads to charges of unsuitability is one issue addressed in this useful course. You will also:
- Benefit from a suitability test to apply to recommendations;
- Learn to manage expectations;
- Perceive how risk and suitability work hand-in-hand.
- Learn how to transition the theories of suitability into practical application to arrive at results that put client interests first.
Price charged to FA: $150.00 (You do not pay on this site.)
$0.00
$0.00
| PFP® Professionals: | 22 credits (15 Professional Development, 7 Compliance) |
| CIRO:ID Credits: | 22 credits (15 Professional Development, 7 Compliance) |
| CIRO: MFD Credits: | 22 credits (15 Professional Development, 7 Business Conduct Non-ethics) |
| Provincial Life Credits: | 22 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 5 credits (AB, SK, MB, ON) |
| CFP/QAFP FP Canada Credits: | 22 credits (18 Financial Planning, 4 Financial Planning) |
| CLU/PFA Institute Members: | 22 credits (2 Ethics) |
As a PFP designation holder you are required to complete 15 Professional Development credits and 5 credits in the subjects of ethics and compliance each year. This package of courses satisfies those requirements for 2026, and provides 2 extra Compliance credits thanks to CIRO accreditation. As another bonus, receive credits for insurance regulators, FP Canada, and the Institute.
Your easily completed courses for 20 credits are:
• DUE DILIGENCE AND DISCLOSURE
• INTERSECTION OF INSURANCE AND INVESTMENT
• MEASURES TO PROTECT INVESTORS
• SUITABLE OR UNSUITABLE
Details on these courses are provided below.
The Insurance Side of Due Diligence and Disclosure
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 5 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 5 credits (3 Financial Planning + 2 Professional Responsibility) |
| Institute Members: | 5 credits (2 Ethics) |
| MFD Credits: | 5 credits (Professional Development) |
| CIRO: ID Credits: | 5 credits (Professional Development) |
Due diligence and disclosure are two activities that work together: due diligence as a form of information discovery and disclosure as a means of sharing information. Together, they are an essential part of the insurance process. There are countless benefits for the agent or advisor who completes a due diligence review and follows through with disclosure. Whereas due diligence is discovery of facts, disclosure is revealing the facts. Doing so puts client interests first. Learn:
- The objectives of completing due diligence and disclosure;
- Performance standards;
- How disclosure is achieved, and barriers to disclosure.
The Intersection of Insurance and Investment
A Guide to Investing a Death Benefit
The theory and mechanics of insuring the need for life insurance is fundamental: how much, to whom, and when. The idea of the death benefit may be a somewhat vague notion --- overlooked because of its association with mortality and the end of life. However, the death benefit is the reason that many policyowners acquire a policy. This course takes the concept of the death benefit --- and under your guidance---let’s you say to the policyowner, here’s what to do with the money.
The Intersection of Insurance and Investment addresses the basics of coverage and proceeds to address how the sum of the death benefit can be managed, the risks faced by a beneficiary that insurance proceeds might help mitigate, and the investment products that will be suitable for investment of the death benefit.
You benefit by the ability you will gain in planning the process and advising at each step. This is not a course for the advisor seeking a transactional sale. It is for the advisor who:
Are you ready to shape your personal standard for personal integrity and conduct? Are you ready to find where insurance meets investment?
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 7 credits (Financial Planning) |
| Institute Members: | 7 credits |
| ID CE Credits: | 7 credits (Professional Development) |
| MFD Credits: | 7 credits (Professional Development) |
The theory and mechanics of insuring the need for life insurance is fundamental: how much, to whom, and when. The idea of the death benefit may be a somewhat vague notion --- overlooked because of its association with mortality and the end of life. However, the death benefit is the reason that many policyowners acquire a policy. This course takes the concept of the death benefit --- and under your guidance---let’s you say to the policyowner, here’s what to do with the money.
The Intersection of Insurance and Investment addresses the basics of coverage and proceeds to address how the sum of the death benefit can be managed, the risks faced by a beneficiary that insurance proceeds might help mitigate, and the investment products that will be suitable for investment of the death benefit.
You benefit by the ability you will gain in planning the process and advising at each step. This is not a course for the advisor seeking a transactional sale. It is for the advisor who:
- Seeks reputational excellence through knowledge and its disclosure;
- Chooses in-depth analysis to back recommendations;
- Pursues a course of action to put client interest first.
Are you ready to shape your personal standard for personal integrity and conduct? Are you ready to find where insurance meets investment?
Measures to Protect Investors
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 7 credits (5 Financial Planning + 2 Professional Responsibility) |
| Québec CSF PDU: | 7 Compliance |
| Institute Members: | 7 credits |
| CIRO-MFD Credits: | 7 credits (Business Conduct Non-ethics) |
| CIRO-ID Credits: | 7 credits (Compliance) |
Confident investors can make great clients. They know industry safeguards are in place to protect their financial interests, despite market activity and volatility. Investor protection is one of those safeguards and a foundational principle of the Canadian investment and insurance sectors. These sectors reinforce their principles with regulation and initiatives designed to put client interest first.
To build and maintain investor confidence in the system and its products, through this course, you can build your knowledge of safeguards such as:
- Remedies for investor complaints;
- Use of titles in the industry;
- CRM3 (total cost reporting)
On conclusion, you will have new confidence in the respect your industry shows for client interest through the measures it has implemented.
Suitable or Unsuitable?
Determining the Suitability of Insurance and Investment Products
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 3 credits (Financial Planning) |
| Institute Members: | 3 credits |
| CIRO: ID Credits: | 3 credits (Professional Development) |
| CIRO: MFD Credits: | 3 credits (Professional Development) |
Unsuitable investments have been an ongoing major complaint of investors to regulators. Investors pin underperformance, fees and charges on their advisor and their recommendations. Yet the client is given many ongoing opportunities to retrace their steps and find other investments with which they are more comfortable. Why do they go so far as making as challenging suitability?
Avoiding the frustration that leads to charges of unsuitability is one issue addressed in this useful course. You will also:
Avoiding the frustration that leads to charges of unsuitability is one issue addressed in this useful course. You will also:
- Benefit from a suitability test to apply to recommendations;
- Learn to manage expectations;
- Perceive how risk and suitability work hand-in-hand.
- Learn how to transition the theories of suitability into practical application to arrive at results that put client interests first.
Price charged to FA: $150.00 (You do not pay on this site.)
$0.00
$0.00
| FP Canada Credits: | 25 credits (23 Financial Planning + 2 Professional Responsibility) |
| Provincial Life Credits: | 25 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 10 credits (AB, SK, MB, ON) |
| Institute Members: | 20 credits (2 Ethics) |
| CIRO -ID CE Credits: | 7 credits (Professional Development)* |
| CIRO-MFD CE Credits: | 20 credits (Professional Development)* |
*Will increase as CIRO approvals are received.
Set your sights on the new C’Life package of courses to complete your FP-Canada CE requirements for 2026. These FP Canada-accredited courses are designed to meet the needs of CFP professionals for new ideas, approaches, and solutions while ensuring you fulfill your CE requirements for this year, including the essential 2 PR credits.
You receive all five courses. Act now to put these comprehensive courses in your C’Life account; they are ready to begin as soon as payment is complete, or you can wait for a time that suits you best. Whenever you start, you can transform your commitment to continuing education into an opportunity for new learning.
This is a simplified, fast and efficient CE process. Your only question is, which of the five courses will I start with?
The Insurance Side of Due Diligence and Disclosure
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 5 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 5 credits (3 Financial Planning + 2 Professional Responsibility) |
| Institute Members: | 5 credits (2 Ethics) |
| MFD Credits: | 5 credits (Professional Development) |
| CIRO: ID Credits: | 5 credits (Professional Development) |
Due diligence and disclosure are two activities that work together: due diligence as a form of information discovery and disclosure as a means of sharing information. Together, they are an essential part of the insurance process. There are countless benefits for the agent or advisor who completes a due diligence review and follows through with disclosure. Whereas due diligence is discovery of facts, disclosure is revealing the facts. Doing so puts client interests first. Learn:
- The objectives of completing due diligence and disclosure;
- Performance standards;
- How disclosure is achieved, and barriers to disclosure.
The Intersection of Insurance and Investment
A Guide to Investing a Death Benefit
The theory and mechanics of insuring the need for life insurance is fundamental: how much, to whom, and when. The idea of the death benefit may be a somewhat vague notion --- overlooked because of its association with mortality and the end of life. However, the death benefit is the reason that many policyowners acquire a policy. This course takes the concept of the death benefit --- and under your guidance---let’s you say to the policyowner, here’s what to do with the money.
The Intersection of Insurance and Investment addresses the basics of coverage and proceeds to address how the sum of the death benefit can be managed, the risks faced by a beneficiary that insurance proceeds might help mitigate, and the investment products that will be suitable for investment of the death benefit.
You benefit by the ability you will gain in planning the process and advising at each step. This is not a course for the advisor seeking a transactional sale. It is for the advisor who:
Are you ready to shape your personal standard for personal integrity and conduct? Are you ready to find where insurance meets investment?
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 7 credits (Financial Planning) |
| Institute Members: | 7 credits |
| ID CE Credits: | 7 credits (Professional Development) |
| MFD Credits: | 7 credits (Professional Development) |
The theory and mechanics of insuring the need for life insurance is fundamental: how much, to whom, and when. The idea of the death benefit may be a somewhat vague notion --- overlooked because of its association with mortality and the end of life. However, the death benefit is the reason that many policyowners acquire a policy. This course takes the concept of the death benefit --- and under your guidance---let’s you say to the policyowner, here’s what to do with the money.
The Intersection of Insurance and Investment addresses the basics of coverage and proceeds to address how the sum of the death benefit can be managed, the risks faced by a beneficiary that insurance proceeds might help mitigate, and the investment products that will be suitable for investment of the death benefit.
You benefit by the ability you will gain in planning the process and advising at each step. This is not a course for the advisor seeking a transactional sale. It is for the advisor who:
- Seeks reputational excellence through knowledge and its disclosure;
- Chooses in-depth analysis to back recommendations;
- Pursues a course of action to put client interest first.
Are you ready to shape your personal standard for personal integrity and conduct? Are you ready to find where insurance meets investment?
Planning For Longevity with Life Insurance
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 5 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 5 credits (Financial Planning) |
| Institute Members: | 5 credits |
| CIRO-ID Credits: | 5 credits (Professional Development) |
| CIRO-MFD Credits: | 5 credits (Professional Development) |
Let’s be clear: when we talk about longevity we are talking about the length of a lifespan. Let’s also be clear: the length of lifespans in Canada on average is increasing. The longer one lives, the longer one needs to finance the costs of living. Perish the thought---and fear--- of running out of money before running out of life.
A plan ensures income is available for the duration of life. Strategies may be adopted for health, lifestyle, and wealth. That is where this course comes in: Strategizing how to build wealth, maintain it, and manage it in the future.
The key planning strategies which you will learn to appreciate are:
- Identifying options for funding,
- Choosing the option or options that will be most suitable and achievable, and
- Defining the steps needed to make the desired option a reality.
Suitable or Unsuitable?
Determining the Suitability of Insurance and Investment Products
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 3 credits (Financial Planning) |
| Institute Members: | 3 credits |
| CIRO: ID Credits: | 3 credits (Professional Development) |
| CIRO: MFD Credits: | 3 credits (Professional Development) |
Unsuitable investments have been an ongoing major complaint of investors to regulators. Investors pin underperformance, fees and charges on their advisor and their recommendations. Yet the client is given many ongoing opportunities to retrace their steps and find other investments with which they are more comfortable. Why do they go so far as making as challenging suitability?
Avoiding the frustration that leads to charges of unsuitability is one issue addressed in this useful course. You will also:
Avoiding the frustration that leads to charges of unsuitability is one issue addressed in this useful course. You will also:
- Benefit from a suitability test to apply to recommendations;
- Learn to manage expectations;
- Perceive how risk and suitability work hand-in-hand.
- Learn how to transition the theories of suitability into practical application to arrive at results that put client interests first.
The Value of a Will
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 5 credits (Financial Planning) |
| Institute Members: | 5 credits |
What is the value of having a will compared to not having a will and dying intestate?
How about?
The value you deliver with this information is deeply meaningful to clients. Don’t hesitate to add this knowledge to your skill set.
How about?
- the degree of certainty it brings an individual in their lives;
- the control it exerts over the disposition of assets;
- the desire not to leave things to chance;
- to ensure care for loved ones;
- relieving survivors from decisions they may not want to make.
The value you deliver with this information is deeply meaningful to clients. Don’t hesitate to add this knowledge to your skill set.
Price charged to FA: $187.50 (You do not pay on this site.)
$0.00
$0.00
| CIRO-MFD CE Credits: | 28 credits (20 Professional Development; 9 Business Conduct*) |
| Provincial Life Credits: | 28 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits | 13 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 29 credits (23 Financial Planning + 6 Professional Responsibility) |
| Institute Members: | 29 credits (2 Ethics) |
| CIRO-ID CE Credits: | 10 credits (7 Professional Development + 3 Compliance)** |
*Extra credit received due to accreditation; 8 is the minimum requirement.
**Will increase as CIRO approvals are received.
Acquire your full MFD credit requirements for the CIRO: MFD 2026–2027 cycle with this comprehensive package of Professional Development and Business Conduct courses.
This complete package delivers.
- You will ensure nothing is missed in either crucial category for this cycle and you can track your progress easily in your account. Clear your deadline with time to spare if you choose.
- All credits are CIRO-accredited for MFD credits for cycle 3, with a deadline of November 30, 2027. These credits are guaranteed, easy to acquire, and provide learning opportunities focussed on your proficiency requirements.
- The low cost of $12.50/credit in this package enhances its value as a smart move for MFD Representatives.
- Stacked credits: Put these courses in your C’Life account now and receive your Certificates. Reap the benefit of applying the credits to life, FP Canada and Institute use in 2026 or 2027. Courses are ready to begin after payment, or you can wait for a time that suits you best.
This is a simplified, fast, efficient CE process. Count on the credits for CIRO: MFD CE and all other categories listed with each course.
C’Life does not use AI in any course.
Also see:
20 Credits: The CIRO: MFD Professional Development CE Program
8 Credits: The CIRO: MFD Business Conduct CE Program for 2026-2027
Developing a Personal Code of Professional Conduct
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 3 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 2 credits (Professional Responsibility) |
| Institute Members: | 2 credits (Ethics) |
| ID CE Credits: | 3 credits (Compliance) |
| MFD Credits: | 2 credits (Business Conduct Ethics) |
| General Insurance: | 3 credits (AB, SK, MB, ON) |
Why develop a personal code of conduct when you already have been provided with guidance from your regulators or professional organization, such as FP Canada? It’s true that industry codes create consistent expectations. But when you set out your own code you have the opportunity to express personal answers to questions like:
- Why am I doing this job?
- What are my goals?
- How do I measure success?
- How will I know it is time to quit?
- What do I personally offer that sets me apart?
- Why would a client choose me? Would you choose you?
Includes checklists that guide you to building your personal code.
The Insurance Side of Due Diligence and Disclosure
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 5 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 5 credits (3 Financial Planning + 2 Professional Responsibility) |
| Institute Members: | 5 credits (2 Ethics) |
| MFD Credits: | 5 credits (Professional Development) |
| CIRO: ID Credits: | 5 credits (Professional Development) |
Due diligence and disclosure are two activities that work together: due diligence as a form of information discovery and disclosure as a means of sharing information. Together, they are an essential part of the insurance process. There are countless benefits for the agent or advisor who completes a due diligence review and follows through with disclosure. Whereas due diligence is discovery of facts, disclosure is revealing the facts. Doing so puts client interests first. Learn:
- The objectives of completing due diligence and disclosure;
- Performance standards;
- How disclosure is achieved, and barriers to disclosure.
The Intersection of Insurance and Investment
A Guide to Investing a Death Benefit
The theory and mechanics of insuring the need for life insurance is fundamental: how much, to whom, and when. The idea of the death benefit may be a somewhat vague notion --- overlooked because of its association with mortality and the end of life. However, the death benefit is the reason that many policyowners acquire a policy. This course takes the concept of the death benefit --- and under your guidance---let’s you say to the policyowner, here’s what to do with the money.
The Intersection of Insurance and Investment addresses the basics of coverage and proceeds to address how the sum of the death benefit can be managed, the risks faced by a beneficiary that insurance proceeds might help mitigate, and the investment products that will be suitable for investment of the death benefit.
You benefit by the ability you will gain in planning the process and advising at each step. This is not a course for the advisor seeking a transactional sale. It is for the advisor who:
Are you ready to shape your personal standard for personal integrity and conduct? Are you ready to find where insurance meets investment?
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 7 credits (Financial Planning) |
| Institute Members: | 7 credits |
| ID CE Credits: | 7 credits (Professional Development) |
| MFD Credits: | 7 credits (Professional Development) |
The theory and mechanics of insuring the need for life insurance is fundamental: how much, to whom, and when. The idea of the death benefit may be a somewhat vague notion --- overlooked because of its association with mortality and the end of life. However, the death benefit is the reason that many policyowners acquire a policy. This course takes the concept of the death benefit --- and under your guidance---let’s you say to the policyowner, here’s what to do with the money.
The Intersection of Insurance and Investment addresses the basics of coverage and proceeds to address how the sum of the death benefit can be managed, the risks faced by a beneficiary that insurance proceeds might help mitigate, and the investment products that will be suitable for investment of the death benefit.
You benefit by the ability you will gain in planning the process and advising at each step. This is not a course for the advisor seeking a transactional sale. It is for the advisor who:
- Seeks reputational excellence through knowledge and its disclosure;
- Chooses in-depth analysis to back recommendations;
- Pursues a course of action to put client interest first.
Are you ready to shape your personal standard for personal integrity and conduct? Are you ready to find where insurance meets investment?
Measures to Protect Investors
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 7 credits (5 Financial Planning + 2 Professional Responsibility) |
| Québec CSF PDU: | 7 Compliance |
| Institute Members: | 7 credits |
| CIRO-MFD Credits: | 7 credits (Business Conduct Non-ethics) |
| CIRO-ID Credits: | 7 credits (Compliance) |
Confident investors can make great clients. They know industry safeguards are in place to protect their financial interests, despite market activity and volatility. Investor protection is one of those safeguards and a foundational principle of the Canadian investment and insurance sectors. These sectors reinforce their principles with regulation and initiatives designed to put client interest first.
To build and maintain investor confidence in the system and its products, through this course, you can build your knowledge of safeguards such as:
- Remedies for investor complaints;
- Use of titles in the industry;
- CRM3 (total cost reporting)
On conclusion, you will have new confidence in the respect your industry shows for client interest through the measures it has implemented.
Planning For Longevity with Life Insurance
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 5 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 5 credits (Financial Planning) |
| Institute Members: | 5 credits |
| CIRO-ID Credits: | 5 credits (Professional Development) |
| CIRO-MFD Credits: | 5 credits (Professional Development) |
Let’s be clear: when we talk about longevity we are talking about the length of a lifespan. Let’s also be clear: the length of lifespans in Canada on average is increasing. The longer one lives, the longer one needs to finance the costs of living. Perish the thought---and fear--- of running out of money before running out of life.
A plan ensures income is available for the duration of life. Strategies may be adopted for health, lifestyle, and wealth. That is where this course comes in: Strategizing how to build wealth, maintain it, and manage it in the future.
The key planning strategies which you will learn to appreciate are:
- Identifying options for funding,
- Choosing the option or options that will be most suitable and achievable, and
- Defining the steps needed to make the desired option a reality.
Suitable or Unsuitable?
Determining the Suitability of Insurance and Investment Products
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 3 credits (Financial Planning) |
| Institute Members: | 3 credits |
| CIRO: ID Credits: | 3 credits (Professional Development) |
| CIRO: MFD Credits: | 3 credits (Professional Development) |
Unsuitable investments have been an ongoing major complaint of investors to regulators. Investors pin underperformance, fees and charges on their advisor and their recommendations. Yet the client is given many ongoing opportunities to retrace their steps and find other investments with which they are more comfortable. Why do they go so far as making as challenging suitability?
Avoiding the frustration that leads to charges of unsuitability is one issue addressed in this useful course. You will also:
Avoiding the frustration that leads to charges of unsuitability is one issue addressed in this useful course. You will also:
- Benefit from a suitability test to apply to recommendations;
- Learn to manage expectations;
- Perceive how risk and suitability work hand-in-hand.
- Learn how to transition the theories of suitability into practical application to arrive at results that put client interests first.
Price charged to FA: $210.00 (You do not pay on this site.)
$0.00
$0.00
| CIM® Credits: | 30 credits (20 Professional Development, 10 Compliance) |
| CIRO: ID Credits: | 30 credits (20 Professional Development, 10 Compliance) |
| Provincial Life Credits: | 29 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 13 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 29 credits (25 Financial Planning, 4 Professional Responsibility) |
| PFA/CLU Institute Members: | 29 credits (including 4 Ethics) |
| CIRO: MFD Credits: | 29 credits (20 Professional Development, 9 Business Conduct) |
As a CIM designation holder you are required to complete 20 Professional Development credits and 10 Compliance credits in each two-year CE cycle. The current cycle ends 31/12/2027. By getting a headstart in 2026 you will receive credits for insurance regulators to use in 2026 or 2027, and FP Canada and the Institute for 2026.
While you satisfy deadlines, you also benefit from a suite of courses that put practical advice front and centre. Read the details below and you will agree this is an engaging offer that you won’t want to miss.
You receive:
Developing a Personal Code of Professional Conduct
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 3 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 2 credits (Professional Responsibility) |
| Institute Members: | 2 credits (Ethics) |
| ID CE Credits: | 3 credits (Compliance) |
| MFD Credits: | 2 credits (Business Conduct Ethics) |
| General Insurance: | 3 credits (AB, SK, MB, ON) |
Why develop a personal code of conduct when you already have been provided with guidance from your regulators or professional organization, such as FP Canada? It’s true that industry codes create consistent expectations. But when you set out your own code you have the opportunity to express personal answers to questions like:
- Why am I doing this job?
- What are my goals?
- How do I measure success?
- How will I know it is time to quit?
- What do I personally offer that sets me apart?
- Why would a client choose me? Would you choose you?
Includes checklists that guide you to building your personal code.
The Intersection of Insurance and Investment
A Guide to Investing a Death Benefit
The theory and mechanics of insuring the need for life insurance is fundamental: how much, to whom, and when. The idea of the death benefit may be a somewhat vague notion --- overlooked because of its association with mortality and the end of life. However, the death benefit is the reason that many policyowners acquire a policy. This course takes the concept of the death benefit --- and under your guidance---let’s you say to the policyowner, here’s what to do with the money.
The Intersection of Insurance and Investment addresses the basics of coverage and proceeds to address how the sum of the death benefit can be managed, the risks faced by a beneficiary that insurance proceeds might help mitigate, and the investment products that will be suitable for investment of the death benefit.
You benefit by the ability you will gain in planning the process and advising at each step. This is not a course for the advisor seeking a transactional sale. It is for the advisor who:
Are you ready to shape your personal standard for personal integrity and conduct? Are you ready to find where insurance meets investment?
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 7 credits (Financial Planning) |
| Institute Members: | 7 credits |
| ID CE Credits: | 7 credits (Professional Development) |
| MFD Credits: | 7 credits (Professional Development) |
The theory and mechanics of insuring the need for life insurance is fundamental: how much, to whom, and when. The idea of the death benefit may be a somewhat vague notion --- overlooked because of its association with mortality and the end of life. However, the death benefit is the reason that many policyowners acquire a policy. This course takes the concept of the death benefit --- and under your guidance---let’s you say to the policyowner, here’s what to do with the money.
The Intersection of Insurance and Investment addresses the basics of coverage and proceeds to address how the sum of the death benefit can be managed, the risks faced by a beneficiary that insurance proceeds might help mitigate, and the investment products that will be suitable for investment of the death benefit.
You benefit by the ability you will gain in planning the process and advising at each step. This is not a course for the advisor seeking a transactional sale. It is for the advisor who:
- Seeks reputational excellence through knowledge and its disclosure;
- Chooses in-depth analysis to back recommendations;
- Pursues a course of action to put client interest first.
Are you ready to shape your personal standard for personal integrity and conduct? Are you ready to find where insurance meets investment?
Measures to Protect Investors
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 7 credits (5 Financial Planning + 2 Professional Responsibility) |
| Québec CSF PDU: | 7 Compliance |
| Institute Members: | 7 credits |
| CIRO-MFD Credits: | 7 credits (Business Conduct Non-ethics) |
| CIRO-ID Credits: | 7 credits (Compliance) |
Confident investors can make great clients. They know industry safeguards are in place to protect their financial interests, despite market activity and volatility. Investor protection is one of those safeguards and a foundational principle of the Canadian investment and insurance sectors. These sectors reinforce their principles with regulation and initiatives designed to put client interest first.
To build and maintain investor confidence in the system and its products, through this course, you can build your knowledge of safeguards such as:
- Remedies for investor complaints;
- Use of titles in the industry;
- CRM3 (total cost reporting)
On conclusion, you will have new confidence in the respect your industry shows for client interest through the measures it has implemented.
Planning for Longevity with Life Insurance
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 5 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 5 credits (Financial Planning) |
| Institute Members: | 5 credits |
| CIRO-ID Credits: | 5 credits (Professional Development) |
| CIRO-MFD Credits: | 5 credits (Professional Development) |
Let’s be clear: when we talk about longevity we are talking about the length of a lifespan. Let’s also be clear: the length of lifespans in Canada on average is increasing. The longer one lives, the longer one needs to finance the costs of living. Perish the thought---and fear--- of running out of money before running out of life.
A plan ensures income is available for the duration of life. Strategies may be adopted for health, lifestyle, and wealth. That is where this course comes in: Strategizing how to build wealth, maintain it, and manage it in the future.
The key planning strategies which you will learn to appreciate are:
- Identifying options for funding,
- Choosing the option or options that will be most suitable and achievable, and
- Defining the steps needed to make the desired option a reality.
Suitable or Unsuitable?
Determining the Suitability of Insurance and Investment Products
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 3 credits (Financial Planning) |
| Institute Members: | 3 credits |
| CIRO: ID Credits: | 3 credits (Professional Development) |
| CIRO: MFD Credits: | 3 credits (Professional Development) |
Unsuitable investments have been an ongoing major complaint of investors to regulators. Investors pin underperformance, fees and charges on their advisor and their recommendations. Yet the client is given many ongoing opportunities to retrace their steps and find other investments with which they are more comfortable. Why do they go so far as making as challenging suitability?
Avoiding the frustration that leads to charges of unsuitability is one issue addressed in this useful course. You will also:
Avoiding the frustration that leads to charges of unsuitability is one issue addressed in this useful course. You will also:
- Benefit from a suitability test to apply to recommendations;
- Learn to manage expectations;
- Perceive how risk and suitability work hand-in-hand.
- Learn how to transition the theories of suitability into practical application to arrive at results that put client interests first.
Understand, Manage and Stop Complaints
For Life agents, CFP®/QAFP™ professionals, Advocis members, and CIRO advisors
This course takes a proactive position towards complaints. It highlights how presenting clear information about complaints and their management can strengthen customer confidence and assure them of fair treatment. Understand, Manage and Stop Complaints illustrates the background of complaints in the life insurance and financial advisory channels, how they can be avoided, and how they must be dealt with.
On completion, the course-taker will:
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 5 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 5 credits (Financial Planning) |
| Institute Members: | 5 credits (2 Ethics) |
| CIRO-MFD Credits: | 5 credits (Professional Development) |
| CIRO-ID Credits: | 5 Credits (Professional Development) |
This course takes a proactive position towards complaints. It highlights how presenting clear information about complaints and their management can strengthen customer confidence and assure them of fair treatment. Understand, Manage and Stop Complaints illustrates the background of complaints in the life insurance and financial advisory channels, how they can be avoided, and how they must be dealt with.
On completion, the course-taker will:
- Develop a superior understanding of psychological factors underlying complaints;
- Evaluate client behaviour and its contribution to complaints;
- Prepare the appropriate response to complaints.
Price charged to FA: $225.00 (You do not pay on this site.)
$0.00
$0.00
| CIRO-ID CE Credits: | 30 credits (10 Compliance + 20 Professional Development) |
| Provincial Life Credits: | 29 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits | 13 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 29 credits (25 Financial Planning + 4 Professional Responsibility) |
| Institute Members: | 29 credits (including 8 Ethics) |
| CIRO-MFD CE Credits: | 29 credits (20 Professional Development + 9 Business Conduct) |
Acquiring all these CIRO: ID CE credits could require some heavy lifting. But not with the C’Life approach to course package design. This package consolidates the separate Compliance and Professional Development packages into one convenient one-click solution to CE requirements for this cycle.
You receive the benefits of accredited courses, on-demand access, and professionally developed courses that are designed to instruct and engage.
This program gives you absolute certainty that you will fulfill CE requirements in both categories of learning. The 30 credits from the courses are needed for the 31/12/2027 deadline but completing them now puts life insurance, Institute and FP Canada credits at your disposal to use for their annual requirements.
Commit to total CE credit completions with this high-performance program.
Developing a Personal Code of Professional Conduct
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 3 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 2 credits (Professional Responsibility) |
| Institute Members: | 2 credits (Ethics) |
| ID CE Credits: | 3 credits (Compliance) |
| MFD Credits: | 2 credits (Business Conduct Ethics) |
| General Insurance: | 3 credits (AB, SK, MB, ON) |
Why develop a personal code of conduct when you already have been provided with guidance from your regulators or professional organization, such as FP Canada? It’s true that industry codes create consistent expectations. But when you set out your own code you have the opportunity to express personal answers to questions like:
- Why am I doing this job?
- What are my goals?
- How do I measure success?
- How will I know it is time to quit?
- What do I personally offer that sets me apart?
- Why would a client choose me? Would you choose you?
Includes checklists that guide you to building your personal code.
The Intersection of Insurance and Investment
A Guide to Investing a Death Benefit
The theory and mechanics of insuring the need for life insurance is fundamental: how much, to whom, and when. The idea of the death benefit may be a somewhat vague notion --- overlooked because of its association with mortality and the end of life. However, the death benefit is the reason that many policyowners acquire a policy. This course takes the concept of the death benefit --- and under your guidance---let’s you say to the policyowner, here’s what to do with the money.
The Intersection of Insurance and Investment addresses the basics of coverage and proceeds to address how the sum of the death benefit can be managed, the risks faced by a beneficiary that insurance proceeds might help mitigate, and the investment products that will be suitable for investment of the death benefit.
You benefit by the ability you will gain in planning the process and advising at each step. This is not a course for the advisor seeking a transactional sale. It is for the advisor who:
Are you ready to shape your personal standard for personal integrity and conduct? Are you ready to find where insurance meets investment?
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 7 credits (Financial Planning) |
| Institute Members: | 7 credits |
| ID CE Credits: | 7 credits (Professional Development) |
| MFD Credits: | 7 credits (Professional Development) |
The theory and mechanics of insuring the need for life insurance is fundamental: how much, to whom, and when. The idea of the death benefit may be a somewhat vague notion --- overlooked because of its association with mortality and the end of life. However, the death benefit is the reason that many policyowners acquire a policy. This course takes the concept of the death benefit --- and under your guidance---let’s you say to the policyowner, here’s what to do with the money.
The Intersection of Insurance and Investment addresses the basics of coverage and proceeds to address how the sum of the death benefit can be managed, the risks faced by a beneficiary that insurance proceeds might help mitigate, and the investment products that will be suitable for investment of the death benefit.
You benefit by the ability you will gain in planning the process and advising at each step. This is not a course for the advisor seeking a transactional sale. It is for the advisor who:
- Seeks reputational excellence through knowledge and its disclosure;
- Chooses in-depth analysis to back recommendations;
- Pursues a course of action to put client interest first.
Are you ready to shape your personal standard for personal integrity and conduct? Are you ready to find where insurance meets investment?
Measures to Protect Investors
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 7 credits (5 Financial Planning + 2 Professional Responsibility) |
| Québec CSF PDU: | 7 Compliance |
| Institute Members: | 7 credits |
| CIRO-MFD Credits: | 7 credits (Business Conduct Non-ethics) |
| CIRO-ID Credits: | 7 credits (Compliance) |
Confident investors can make great clients. They know industry safeguards are in place to protect their financial interests, despite market activity and volatility. Investor protection is one of those safeguards and a foundational principle of the Canadian investment and insurance sectors. These sectors reinforce their principles with regulation and initiatives designed to put client interest first.
To build and maintain investor confidence in the system and its products, through this course, you can build your knowledge of safeguards such as:
- Remedies for investor complaints;
- Use of titles in the industry;
- CRM3 (total cost reporting)
On conclusion, you will have new confidence in the respect your industry shows for client interest through the measures it has implemented.
Planning For Longevity with Life Insurance
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 5 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 5 credits (Financial Planning) |
| Institute Members: | 5 credits |
| CIRO-ID Credits: | 5 credits (Professional Development) |
| CIRO-MFD Credits: | 5 credits (Professional Development) |
Let’s be clear: when we talk about longevity we are talking about the length of a lifespan. Let’s also be clear: the length of lifespans in Canada on average is increasing. The longer one lives, the longer one needs to finance the costs of living. Perish the thought---and fear--- of running out of money before running out of life.
A plan ensures income is available for the duration of life. Strategies may be adopted for health, lifestyle, and wealth. That is where this course comes in: Strategizing how to build wealth, maintain it, and manage it in the future.
The key planning strategies which you will learn to appreciate are:
- Identifying options for funding,
- Choosing the option or options that will be most suitable and achievable, and
- Defining the steps needed to make the desired option a reality.
Suitable or Unsuitable?
Determining the Suitability of Insurance and Investment Products
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 3 credits (Financial Planning) |
| Institute Members: | 3 credits |
| CIRO: ID Credits: | 3 credits (Professional Development) |
| CIRO: MFD Credits: | 3 credits (Professional Development) |
Unsuitable investments have been an ongoing major complaint of investors to regulators. Investors pin underperformance, fees and charges on their advisor and their recommendations. Yet the client is given many ongoing opportunities to retrace their steps and find other investments with which they are more comfortable. Why do they go so far as making as challenging suitability?
Avoiding the frustration that leads to charges of unsuitability is one issue addressed in this useful course. You will also:
Avoiding the frustration that leads to charges of unsuitability is one issue addressed in this useful course. You will also:
- Benefit from a suitability test to apply to recommendations;
- Learn to manage expectations;
- Perceive how risk and suitability work hand-in-hand.
- Learn how to transition the theories of suitability into practical application to arrive at results that put client interests first.
Understand, Manage and Stop Complaints
For Life agents, CFP®/QAFP™ professionals, Advocis members, and CIRO advisors
This course takes a proactive position towards complaints. It highlights how presenting clear information about complaints and their management can strengthen customer confidence and assure them of fair treatment. Understand, Manage and Stop Complaints illustrates the background of complaints in the life insurance and financial advisory channels, how they can be avoided, and how they must be dealt with.
On completion, the course-taker will:
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 5 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 5 credits (Financial Planning) |
| Institute Members: | 5 credits (2 Ethics) |
| CIRO-MFD Credits: | 5 credits (Professional Development) |
| CIRO-ID Credits: | 5 Credits (Professional Development) |
This course takes a proactive position towards complaints. It highlights how presenting clear information about complaints and their management can strengthen customer confidence and assure them of fair treatment. Understand, Manage and Stop Complaints illustrates the background of complaints in the life insurance and financial advisory channels, how they can be avoided, and how they must be dealt with.
On completion, the course-taker will:
- Develop a superior understanding of psychological factors underlying complaints;
- Evaluate client behaviour and its contribution to complaints;
- Prepare the appropriate response to complaints.
Price charged to FA: $225.00 (You do not pay on this site.)
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| FSRA (ON) Life Credits: | 30 credits |
| Provincial Life Credits: | 30 credits (BC, AB, SK, MB) |
| Provincial A&S Credits: | 19 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 30 credits (General) |
| CPA PDUs: | 30 credits |
| Institute Members: | 6 (including 1 Ethics) |
| CIRO: MFD Credits: | 7 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 fulfill these requirements in a bundle of practical consumer-oriented courses.
These courses provide excellent learning that will equip you to excel in your profession. You will find details of each below.
Barriers to Insurance: Reasons for Underinsurance
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 5 credits (General) |
| ID CE Credits: | tba |
| MFD Credits: | tba |
Procrastination, cognitive biases, and agent behaviour can form roadblocks to acquiring and maintaining insurance coverage. Learn from these and many other reasons individuals fail to acquire insurance policies --- and the information needed by which their position can be reversed.
This course delivers all that and:
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.
Financial Fraud: How to Protect Yourself, Your Clients and Your Business from Financial Fraud
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 7 credits (AB, SK, MB, ON) |
| Québec CSF PDU: | 7 General Subjects |
| FP Canada Credits: | 7 credits (General) |
| MFD Credits: | 7 credits (Professional Development) |
| General Credits: | 7 credits |
Financial fraud is widespread, persistent, and can be very expensive to reverse. It finds its victims through the Internet, phone, mail, the person selling a service at your front door, and inadvertently by word-of-mouth in the latest “hot” investment tip from a friend or neighbour. Artificial intelligence is further contributing to impacts and negative outcomes.
Learn what the frauds are, how they can be prevented, and what to do if you, your clients, or your business becomes a victim.
- 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.
FINANCIAL PLANNING FOR LIFE: Investing Products and Strategies
| Provincial Life Credits: | 6 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 6 credits (General) |
| Institute Members: | 6 credits (includes 1 Ethics) |
Find investing ideas with lifelong significance in this course. Be able to easily compare and contrast investments, and answer questions clients want to ask such as, how will this investment make money for me?
Apply the consistent knowledge presented in this course to client needs. Achieve suitability. Meet disclosure requirements. This course is guaranteed to deliver positive returns.
- Learn the six-question test for investing developed by the OSC, and how it applies to a number of common investment products;
- Gain a consistent picture of investments to gauge their suitability;
- Review common investment strategies for their application to your clients’ needs.
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) |
| FP Canada Credits: | 5 credits (General) |
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.
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) |
| FP Canada Credits: | 7 credits (General) |
Look around: there are small business owners everywhere. Your coffee shop, hair dresser, restaurants, car dealers, computer shops, florist, butcher, baker, and craft beer 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.
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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Often copied; never duplicated!
| CIRO-ID Credits: | 30 credits (10 Compliance + 20 Professional Development) |
| CIRO-MFD Credits: | 30 credits (20 Professional Development + 9 Business Conduct) |
| Provincial Life Credits: | 30 credits (BC, SK, MB, ON) |
| Provincial A&S Credits: | 20 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 29 credits (25 Financial Planning , 4 Professional Responsibility) |
| CLU/PFA Institute Members: | 31 credits (including 6 Ethics) |
This one over-sized package delivers all required credits in every category we cover and one we don’t, CPAs. It is unmatched in its scope: total all the categories and you’ll see you receive 174 credits—just about $2/credit!
Why develop a personal code of conduct when you already have been provided with guidance from your regulators or professional organization, such as FP Canada? It’s true that industry codes create consistent expectations. But when you set out your own code you have the opportunity to express personal answers to questions like:
Includes checklists that guide you to building your personal code.
Confident investors can make great clients. They know industry safeguards are in place to protect their financial interests, despite market activity and volatility. Investor protection is one of those safeguards and a foundational principle of the Canadian investment and insurance sectors. These sectors reinforce their principles with regulation and initiatives designed to put client interest first.
To build and maintain investor confidence in the system and its products, through this course, you can build your knowledge of safeguards such as:
On conclusion, you will have new confidence in the respect your industry shows for client interest through the measures it has implemented.
Let’s be clear: when we talk about longevity we are talking about the length of a lifespan. Let’s also be clear: the length of lifespans in Canada on average is increasing. The longer one lives, the longer one needs to finance the costs of living. Perish the thought---and fear--- of running out of money before running out of life.
A plan ensures income is available for the duration of life. Strategies may be adopted for health, lifestyle, and wealth. That is where this course comes in: Strategizing how to build wealth, maintain it, and manage it in the future.
The key planning strategies which you will learn to appreciate are:
Buying now means no need to search: any time it suits you, just login to your account and start churning out course completions and Certificates.
What these credits mean for you:
For 2026: no need to acquire further FP Canada or Institute credits; FSRA in ON requirements are met for a 2026 licensing anniversary.
For 2027: no need to acquire further CIRO credits in either the ID or MFD channels, plus you have also satisfied Life CE requirements for your provincial regulator (BC, AB, SK, MB and FSRA in ON).
You don’t need persuasion to see the logic of taking this route to CE success: all you need to do is start on these courses (number of life credits shown in brackets following course name as a guide to course length):
• A TRUSTED CONTACT PERSON: ROLE AND RESPONSIBILITIES (2)
• DEVELOPING A PERSONAL CODE OF PROFESSIONAL CONDUCT (3)
• THE INTERSECTION OF INSURANCE AND INVESTMENT (7)
• MEASURES TO PROTECT INVESTORS (7)
• PLANNING FOR LONGEVITY WITH LIFE INSURANCE (5)
• SUITABLE OR UNSUITABLE? (3)
• UNDERSTAND, MANAGE AND STOP COMPLAINTS (5)
A TRUSTED CONTACT PERSON: ROLE AND RESPONSIBILITIES
| Provincial Life Credits: | 2 credits (BC, AB, SK, MB, ON)(AB: Pending) |
| Provincial A&S Credits: | 2 credits (AB, SK, MB, ON)(AB: Pending) |
| FP Canada Credits: | 2 credits (General) |
| Institute Members: | 2 credits |
| CIRO-MFD Credits: | 2 credits (Professional Responsibility) |
The naming of a trusted contact person (TCP) to an investment account is an excellent idea for customer and advisor alike. Although it is not a requirement, the TCP nomination has been implemented to deter financial exploitation and safeguard financial assets. As such, it seems directed towards older adults, but, in fact, is useful for people of any age and should be used by people of all ages.
In this course you will:
- Learn what the job description for a TCP is and how those duties are carried out;
- Receive the essential background on the need for a TCP and its role in risk management;
- Get pointers on initiating the TCP conversation with clients.
DEVELOPING A PERSONAL CODE OF PROFESSIONAL CONDUCT
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 3 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 2 credits (Professional Responsibility) |
| Institute Members: | 2 credits (Ethics) |
| ID CE Credits: | 3 credits (Compliance) |
| MFD Credits: | 2 credits (Business Conduct Ethics) |
| General Insurance: | 3 credits (AB, SK, MB, ON) |
Why develop a personal code of conduct when you already have been provided with guidance from your regulators or professional organization, such as FP Canada? It’s true that industry codes create consistent expectations. But when you set out your own code you have the opportunity to express personal answers to questions like:
- Why am I doing this job?
- What are my goals?
- How do I measure success?
- How will I know it is time to quit?
- What do I personally offer that sets me apart?
- Why would a client choose me? Would you choose you?
Includes checklists that guide you to building your personal code.
THE INTERSECTION OF INSURANCE AND INVESTMENT
A Guide to Investing a Death Benefit
The theory and mechanics of insuring the need for life insurance is fundamental: how much, to whom, and when. The idea of the death benefit may be a somewhat vague notion --- overlooked because of its association with mortality and the end of life. However, the death benefit is the reason that many policyowners acquire a policy. This course takes the concept of the death benefit --- and under your guidance---let’s you say to the policyowner, here’s what to do with the money.
The Intersection of Insurance and Investment addresses the basics of coverage and proceeds to address how the sum of the death benefit can be managed, the risks faced by a beneficiary that insurance proceeds might help mitigate, and the investment products that will be suitable for investment of the death benefit.
You benefit by the ability you will gain in planning the process and advising at each step. This is not a course for the advisor seeking a transactional sale. It is for the advisor who:
Are you ready to shape your personal standard for personal integrity and conduct? Are you ready to find where insurance meets investment?
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 7 credits (Financial Planning) |
| Institute Members: | 7 credits |
| ID CE Credits: | 7 credits (Professional Development) |
| MFD Credits: | 7 credits (Professional Development) |
The theory and mechanics of insuring the need for life insurance is fundamental: how much, to whom, and when. The idea of the death benefit may be a somewhat vague notion --- overlooked because of its association with mortality and the end of life. However, the death benefit is the reason that many policyowners acquire a policy. This course takes the concept of the death benefit --- and under your guidance---let’s you say to the policyowner, here’s what to do with the money.
The Intersection of Insurance and Investment addresses the basics of coverage and proceeds to address how the sum of the death benefit can be managed, the risks faced by a beneficiary that insurance proceeds might help mitigate, and the investment products that will be suitable for investment of the death benefit.
You benefit by the ability you will gain in planning the process and advising at each step. This is not a course for the advisor seeking a transactional sale. It is for the advisor who:
- Seeks reputational excellence through knowledge and its disclosure;
- Chooses in-depth analysis to back recommendations;
- Pursues a course of action to put client interest first.
Are you ready to shape your personal standard for personal integrity and conduct? Are you ready to find where insurance meets investment?
MEASURES TO PROTECT INVESTORS
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 7 credits (5 Financial Planning + 2 Professional Responsibility) |
| Québec CSF PDU: | 7 Compliance |
| Institute Members: | 7 credits |
| CIRO-MFD Credits: | 7 credits (Business Conduct Non-ethics) |
| CIRO-ID Credits: | 7 credits (Compliance) |
Confident investors can make great clients. They know industry safeguards are in place to protect their financial interests, despite market activity and volatility. Investor protection is one of those safeguards and a foundational principle of the Canadian investment and insurance sectors. These sectors reinforce their principles with regulation and initiatives designed to put client interest first.
To build and maintain investor confidence in the system and its products, through this course, you can build your knowledge of safeguards such as:
- Remedies for investor complaints;
- Use of titles in the industry;
- CRM3 (total cost reporting)
On conclusion, you will have new confidence in the respect your industry shows for client interest through the measures it has implemented.
PLANNING FOR LONGEVITY WITH LIFE INSURANCE
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 5 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 5 credits (Financial Planning) |
| Institute Members: | 5 credits |
| CIRO-ID Credits: | 5 credits (Professional Development) |
| CIRO-MFD Credits: | 5 credits (Professional Development) |
Let’s be clear: when we talk about longevity we are talking about the length of a lifespan. Let’s also be clear: the length of lifespans in Canada on average is increasing. The longer one lives, the longer one needs to finance the costs of living. Perish the thought---and fear--- of running out of money before running out of life.
A plan ensures income is available for the duration of life. Strategies may be adopted for health, lifestyle, and wealth. That is where this course comes in: Strategizing how to build wealth, maintain it, and manage it in the future.
The key planning strategies which you will learn to appreciate are:
- Identifying options for funding,
- Choosing the option or options that will be most suitable and achievable, and
- Defining the steps needed to make the desired option a reality.
SUITABLE OR UNSUITABLE?
Determining the Suitability of Insurance and Investment Products
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 3 credits (Financial Planning) |
| Institute Members: | 3 credits |
| CIRO: ID Credits: | 3 credits (Professional Development) |
| CIRO: MFD Credits: | 3 credits (Professional Development) |
Unsuitable investments have been an ongoing major complaint of investors to regulators. Investors pin underperformance, fees and charges on their advisor and their recommendations. Yet the client is given many ongoing opportunities to retrace their steps and find other investments with which they are more comfortable. Why do they go so far as making as challenging suitability?
Avoiding the frustration that leads to charges of unsuitability is one issue addressed in this useful course. You will also:
Avoiding the frustration that leads to charges of unsuitability is one issue addressed in this useful course. You will also:
- Benefit from a suitability test to apply to recommendations;
- Learn to manage expectations;
- Perceive how risk and suitability work hand-in-hand.
- Learn how to transition the theories of suitability into practical application to arrive at results that put client interests first.
UNDERSTAND, MANAGE AND STOP COMPLAINTS
For Life agents, CFP®/QAFP™ professionals, Advocis members, and CIRO advisors
This course takes a proactive position towards complaints. It highlights how presenting clear information about complaints and their management can strengthen customer confidence and assure them of fair treatment. Understand, Manage and Stop Complaints illustrates the background of complaints in the life insurance and financial advisory channels, how they can be avoided, and how they must be dealt with.
On completion, the course-taker will:
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 5 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 5 credits (Financial Planning) |
| Institute Members: | 5 credits (2 Ethics) |
| CIRO-MFD Credits: | 5 credits (Professional Development) |
| CIRO-ID Credits: | 5 Credits (Professional Development) |
This course takes a proactive position towards complaints. It highlights how presenting clear information about complaints and their management can strengthen customer confidence and assure them of fair treatment. Understand, Manage and Stop Complaints illustrates the background of complaints in the life insurance and financial advisory channels, how they can be avoided, and how they must be dealt with.
On completion, the course-taker will:
- Develop a superior understanding of psychological factors underlying complaints;
- Evaluate client behaviour and its contribution to complaints;
- Prepare the appropriate response to complaints.
Price charged to FA: $225.00 (You do not pay on this site.)
$0.00
$0.00
| CLU/PFA Institute Members: | 30 credits (including 3 Ethics) |
| Provincial Life Credits: | 30 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 21 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 30 credits (3 Financial Planning + 2 Professional Responsibility) |
| CIRO-ID CE Credits: | 15 credits (Professional Development) |
| CIRO-MFD Credits: | 22 credits |
As a CLU you have a 30-credit annual CE requirement for the Institute (Advocis); PFAs require 10 credits and should refer to our 10-credit PFA package in this catalogue. This package provides 30 Institute-approved credits with courses that address current issues and challenges. For instance, learn basics of artificial intelligence to support your knowledge and that of your clients while the investing course will bring insight into investing in products such as gold.
You receive practical advice coupled with knowledge to better manage clients and grow your business.
These courses deserve your attention. Read the details below to fully understand the importance of the information you will receive.
AI (Artificial Intelligence) in Financial Services
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 3 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 3 credits (General) |
| Institute Members: | 3 credits |
| CIRO: ID Credits: | 3 credits (pending) |
| CIRO: MFD Credits: | 3 credits (pending) |
While it is true that AI is changing every day, there are certain basic knowledge-driven concepts about the technology that you should know. Be prepared to answer client questions such as:
- is AI being used in my application and account?
- will I have any issues about keeping my information private so I am not scammed?
- what do you think about AI? Is it as good/bad as they say?
You can learn about the outcome of our small test of an investment recommendation when subjected to AI. Read how AI bias can have life-changing financial impacts.
Includes a valuable checklist with tips to identify fake information.
The information in this course can be thought provoking, stimulating and scary. You need to know about AI; AI in Financial Services is your reliable source for the information you need.
FINANCIAL PLANNING FOR LIFE: Investing Products and Strategies
| Provincial Life Credits: | 6 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 6 credits (General) |
| Institute Members: | 6 credits (includes 1 Ethics) |
Find investing ideas with lifelong significance in this course. Be able to easily compare and contrast investments, and answer questions clients want to ask such as, how will this investment make money for me?
Apply the consistent knowledge presented in this course to client needs. Achieve suitability. Meet disclosure requirements. This course is guaranteed to deliver positive returns.
- Learn the six-question test for investing developed by the OSC, and how it applies to a number of common investment products;
- Gain a consistent picture of investments to gauge their suitability;
- Review common investment strategies for their application to your clients’ needs.
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) |
| Québec CSF PDU: | 6 Insurance of persons |
| FP Canada Credits: | 7 credits (General) |
| Institute Members: | 7 credits |
| MFD Credits: | 7 credits (Business Conduct Non-Ethics) |
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 Policy Benefits
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 7 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 7 credits (General) |
| Institute Members: | 7 credits |
| CIRO: ID Credits: | 7 credits (Professional Development) |
| CIRO: MFD Credits: | 7 credits (Professional Development) |
This course addresses many fundamentals of insurance and its important role of eliminating uncertainty during life, while ill or aging. Each phase brings challenges to the advisor for disclosure and suitability. Life insurance delivers straightforward benefits. Insurance Policy Benefits illustrates how policies become proceeds and how those proceeds can enrich life. On completion, you will:
- Have an overarching view of products and their role as solutions for many client concerns;
- Be able to reinforce policy benefits, such as the tax-free life policy death benefit;
- Assist in the structuring of a policy to ensure a claim of the full sum can be made.
The Insurance Side of Due Diligence and Disclosure
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 5 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 5 credits (3 Financial Planning + 2 Professional Responsibility) |
| Institute Members: | 5 credits (2 Ethics) |
| MFD Credits: | 5 credits (Professional Development) |
| CIRO: ID Credits: | 5 credits (Professional Development) |
Due diligence and disclosure are two activities that work together: due diligence as a form of information discovery and disclosure as a means of sharing information. Together, they are an essential part of the insurance process. There are countless benefits for the agent or advisor who completes a due diligence review and follows through with disclosure. Whereas due diligence is discovery of facts, disclosure is revealing the facts. Doing so puts client interests first. Learn:
- The objectives of completing due diligence and disclosure;
- Performance standards;
- How disclosure is achieved, and barriers to disclosure.
A Trusted Contact Person: Role and Responsibilities
| Provincial Life Credits: | 2 credits (BC, AB, SK, MB, ON)(AB: Pending) |
| Provincial A&S Credits: | 2 credits (AB, SK, MB, ON)(AB: Pending) |
| FP Canada Credits: | 2 credits (General) |
| Institute Members: | 2 credits |
| CIRO-MFD Credits: | 2 credits (Professional Responsibility) |
The naming of a trusted contact person (TCP) to an investment account is an excellent idea for customer and advisor alike. Although it is not a requirement, the TCP nomination has been implemented to deter financial exploitation and safeguard financial assets. As such, it seems directed towards older adults, but, in fact, is useful for people of any age and should be used by people of all ages.
In this course you will:
- Learn what the job description for a TCP is and how those duties are carried out;
- Receive the essential background on the need for a TCP and its role in risk management;
- Get pointers on initiating the TCP conversation with clients.
Price charged to FA: $225.00 (You do not pay on this site.)
$0.00
$0.00
| CSF General PDUs: | 12 General |
| CSF Insurance of Persons PDUs: | 11 Insurance of Persons |
| CSF Compliance PDUs: | 10 Compliance |
| Other Provincial Life Credits: | 34 credits (BC, AB, SK, MB, ON) |
| Other Provincial A&S Credits: | 27 credits (AB, SK, MB, ON) |
| FP Canada Credits: | 34 credits (27 General, 5 Financial Planning + 2 Professional Responsibility) |
| Institute Credits: | 27 credits |
| CIRO: MFD Credits: | 34 credits (17 Professional Development, 3 Business Conduct Ethics, 14 Business Conduct Non-ethics) |
| CIRO: ID Credits: | 7 credits (Compliance) |
One Package. 33 Credits. Everything in One Place.
This comprehensive package includes courses with full Chambres accreditation, providing 33 credits in total—more than enough to satisfy your 30-PDU requirement. It is a straightforward way to complete your PDUs while gaining the convenience of having everything organized in one place.
Once you purchase the package, all courses will be available in your account within moments. Start when you are ready, work at your own pace, and return whenever your schedule allows. No need to spend valuable time searching for individual PDUs when the courses you need are already waiting for you.
Think of it as good organization applied to continuing education. You wouldn’t scatter client files throughout the office and then waste time searching for the one you need. You consolidate them so they are readily accessible when required.
The same principle applies to your CE: consolidate your requirements, eliminate the searching, and keep your courses together in one convenient place.
Like your client documentation, this package is complete, current, and organized with the information you need to do your best work. Open it anytime: it is ready when you are.
Your courses in this package are:
For General PDUs:
BE A BETTER ADVISOR THIS YEAR (5)
FINANCIAL FRAUD (7)
For Compliance PDUs:
PROFESSIONAL RESPONSIBILITY AND SENIORS (3)
MEASURES TO PROTECT INVESTORS (7)
For Insurance of Persons:
A BIG ISSUE (5)
GOOD BUSINESS: LESSONS FOR SUCCESS (6)
BE A BETTER ADVISOR THIS YEAR
| Provincial Life Credits: | 5 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 5 credits (AB, SK, MB, ON) |
| Québec CSF PDU: | 5 General Subjects |
| FP Canada Credits: | 5 credits (General) |
| Institute Members: | 5 credits |
| MFD Credits: | 5 credits (Professional Development) |
If you provide better advice to your customers, will your sales improve?
This course gives you the chance to answer this question. It provides simple steps you can take to be better at your job starting today. You get practical customer-focussed ideas that you can immediately use to benefit prospects, clients, and your bottom line.
- Explore customer-focussed ideas and practices to benefit clients and your bottom line;
- Better understand and anticipate client needs for insurance and investment products;
- Find out how to turn everyday issues into opportunities for service and sales.
FINANCIAL FRAUD: HOW TO PROTECT YOURSELF, YOUR CLIENTS AND YOUR BUSINESS FROM FINANCIAL FRAUD
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 7 credits (AB, SK, MB, ON) |
| Québec CSF PDU: | 7 General Subjects |
| FP Canada Credits: | 7 credits (General) |
| MFD Credits: | 7 credits (Professional Development) |
| General Credits: | 7 credits |
Financial fraud is widespread, persistent, and can be very expensive to reverse. It finds its victims through the Internet, phone, mail, the person selling a service at your front door, and inadvertently by word-of-mouth in the latest “hot” investment tip from a friend or neighbour. Artificial intelligence is further contributing to impacts and negative outcomes.
Learn what the frauds are, how they can be prevented, and what to do if you, your clients, or your business becomes a victim.
- 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.
PROFESSIONAL RESPONSIBILITY AND SENIORS: ADVISOR GUIDANCE FOR ETHICAL PRACTICE
| Provincial Life Credits: | 3 credits (BC, AB, SK, MB, ON) |
| Provincial A&S Credits: | 3 credits (AB, SK, MB, ON) |
| Québec CSF PDU: | 3 Compliance |
| FP Canada Credits: | 3 credits (General) |
| Institute Members: | 3 credits |
| MFD Credits: | 3 credits (Business Conduct Ethics) |
This course has a focus on ethics for the senior client. You’ll read background on the challenges seniors present and thought-provoking case studies centred on seniors. Each case study draws upon FP Canada Principles and Rules to provide guidance for your responsibilities.
- Review the standards of ethics that apply to senior clients;
- Learn about the challenges seniors present;
- Analyze client behaviour to identify specific concerns;
- Identify practice concerns relevant to seniors;
- Assess instances of advisor conduct for evidence of professional responsibility in practice.
MEASURES TO PROTECT INVESTORS
| Provincial Life Credits: | 7 credits (BC, AB, SK, MB, ON) |
| FP Canada Credits: | 7 credits (5 Financial Planning + 2 Professional Responsibility) |
| Québec CSF PDU: | 7 Compliance |
| Institute Members: | 7 credits |
| CIRO-MFD Credits: | 7 credits (Business Conduct Non-ethics) |
| CIRO-ID Credits: | 7 credits (Compliance) |
Confident investors can make great clients. They know industry safeguards are in place to protect their financial interests, despite market activity and volatility. Investor protection is one of those safeguards and a foundational principle of the Canadian investment and insurance sectors. These sectors reinforce their principles with regulation and initiatives designed to put client interest first.
To build and maintain investor confidence in the system and its products, through this course, you can build your knowledge of safeguards such as:
- Remedies for investor complaints;
- Use of titles in the industry;
- CRM3 (total cost reporting)
On conclusion, you will have new confidence in the respect your industry shows for client interest through the measures it has implemented.
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) |
| Québec CSF PDU: | 5 Insurance of Persons |
| FP Canada Credits: | 5 credits (General) |
| Institute Members: | 5 credits |
| MFD Credits: | 5 credits (Professional Development) |
A Big Issue addresses dementia and Alzheimer’s disease in the context of mental and financial capacity. Here's what you need to know and how to prepare for working with a client who may begin experiencing capacity issues.
This course delivers on risk fundamentals by covering:
This course delivers on risk fundamentals by covering:
- How will you recognize dementia or Alzheimer’s in your client?;
- How many of your clients may be affected?;
- What else can and will you do - and when?
- Is there a role for insurance?
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) |
| Québec CSF PDU: | 6 Insurance of persons |
| FP Canada Credits: | 7 credits (General) |
| Institute Members: | 7 credits |
| MFD Credits: | 7 credits (Business Conduct Non-Ethics) |
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.
Price charged to FA: $225.00 (You do not pay on this site.)
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