15 Credit Package: The Saskatchewan Agent/Advisor CE Package 2026-2027

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.

Completing due diligence and following through with disclosure is an indisputable part of the professional service you provide to clients. Take your current practices to a new level based on the information in this course and you will set standards that satisfy regulatory requirements while establishing your value to clients as an industry professional.

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 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.

Evaluating responses to these questions through the lens of ethical obligations affirms a standard of professional conduct that goes beyond minimum, baseline expectations. In doing so, you distinguish yourself among exceptional industry professionals. Making this commitment is ultimately reflected in stronger client relationships and enhanced client experiences.

Are you ready to shape your personal standard for personal integrity and conduct? Are you ready to find where insurance meets investment?