30 Credits: The CLU®/PFA™ Pre-approved Package

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 need this course to answer these and the myriad other questions centred on artificial intelligence (AI) in your business. It covers background on the development of AI, how the technology functions to scour sources of public and private data, AI disadvantages and advantages, investing in AI, and tackles the question of whether AI works to serve the best interests of clients. With insights from some tech leaders and other expert sources, AI is put into perspective to give you multiple takeaways so you too can challenge what you read and hear about AI.

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.

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.

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.

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.

A refresher course like this can renew your sense of purpose and ambition, helping you once again plan a future for applicants and clients that might otherwise be unattainable.

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.

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.