30 Credits: The Ontario FSRA Life Agent Package

Procrastination, cognitive biases, and agent behaviour can form roadblocks to acquiring and maintaining insurance coverage. Learn from these and many other reasons individuals fail to acquire insurance policies --- and the information needed by which their position can be reversed.

This course delivers all that and:

• Develops an approach that recognizes and respects the rationale of the prospect/client and their perceived barriers;
• Achieves better plans based on characteristics of the prospect/client;
• Facilitates the progression of uninsured to insured or underinsured to insured;
• Benefits the agent with checklists to test behaviour against standards and expectations.

Take charge to eliminate the barriers holding back action.

Nothing brings the criminals and fraudsters out of the woodwork like tough times. Post-pandemic, they’ve never been more busy and more successful at attacking individuals and businesses. Financial fraud is everywhere: the Internet, your phone, the mail, the person selling a service at your front door, and inadvertently by word-of-mouth in the latest “hot” investment tip from your friend or neighbour. 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.

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.

Among the many factors to consider in an insurance transaction are those that will result in a policy that will be suitable for clients and fulfill their needs. This course paves the way to making the right choices to attain the right outcomes.

• Develop a wide-ranging understanding of your role in making insurance right for the clients you have and prospects you encounter;
• Focus on needs-based selling to sell the right insurance, in the right amount, at the right cost;
• Make your sales process serve the client by eliminating conflict of interest and by following ethical imperatives.

You will develop a wide-ranging understanding of your role in making insurance right for the clients you have and prospects you encounter. Complete this course now to gain selling confidence and proficiency.

Insurance is essential to small business owners. Your efforts right now can focus on planning and implementation—making the best of current circumstances and preparing for an exciting future. Whether funding a buy/sell agreement or an exit strategy for an owner, putting life and health insurance in place, or ensuring protection for the business itself, you could find that working with small business owners can be good business for you.

• Show clients how insurance can be a cost-saving measure for business owners;
• Learn about coverage options to ensure that coverage is appropriate to the future needs of the client’s business;
• Put insurance in context as a solution for efficiently building, transitioning or selling a business.