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How to Become a Life Insurance Agent

Want the real scoop on what it takes to become a successful agent in Canada? Want to know what to expect from the LLQP? What the course covers? What the career possibilities are?

Order How to Become a Life insurance Agent!

Over 90 pages and just $15, you will discover:

  • which training company is best for you;
  • the contents of the study modules;
  • what to expect as a licensed agent;
  • the details of how to register to write the exam;
  • much, much, more.

Includes sample exam questions and detailed instructions about the exam itself. Did you know the exam is open book? Don’t be fooled by this—we’ll tell you why.

Provided as a downloadable pdf file, you can have this complete story of the LLQP, with life insurance career details, on your desk in minutes. Over 90 pages of must-know information; $15 can save you hundreds if you determine this is not your best career choice; $15 can save you countless hours of searching for the information in this book. Make this book an investment in your future.

$15

Contents

Introduction 3
The Life Insurance Business in Canada 5
Your Licensing Options 7
The Financial Services Landscape 9
What Products Will You Sell? 11
The Job Description 12
Compensation 15
Personal Requirements for Success 16
Educational Requirements 18
The LLQP Modules and Sample Questions 25
The LLQP Exam 58
Writing the Exam in BC 60
Writing the Exam in AB 64
Writing the Exam in SK 69
Writing the Exam in MB 70
Writing the Exam in ON/NB 71
Writing the Exam in NS 80
Writing the Exam in PEI 81
Writing the Exam in NF 81
Quebec Only 84
“I PASSED!” 87
Phase 2: Life After LLQP 89

COURSE BUNDLES

2 Credit Package: Compliance Courses

(Two courses provided by email as files to save or print off.)

Provincial Life Credits: 2 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 2 credits in BC, AB, SK, MB, ON
CFP® Professionals: 2 credits (1 Financial Planning, 1 Practice Management)
Institute Credits: 2

This package contains two courses that will provide one credit each for anti-money laundering and privacy continuing education. These courses are compliance essentials for all financial services professionals:

  1. Act on Money Laundering: An overview of FINTRAC anti-money laundering guidelines that pertain to suspicious transactions and their reporting requirements. The Course also provides a review of who is considered a Politically Exposed Foreign Person. 1 Credit.
  2. Understanding Privacy: Key points of privacy legislation, protection of privacy, and privacy principles. Provides a review of PIPEDA legislation and other information relevant to financial service professionals. 1 Credit.

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Price: $29.95

3 Credit Package: Ethics!

(Two courses provided by email as files to save or print off.)

Provincial Life Credits: 3 credits in BC, AB, SK, MB, ON
Quebec Credits: CSF:1 PDU (1 Compliance); IQPF: 1 PDU (1 SC)
CFP® Professionals: 3 credits (2 Financial Planning, 1 Professional Responsibility)
General Credits: 1 credit in BC, AB, SK, MB, ON
Institute Credits: 1
CECAP: 1 (Compliance)

This package provides three credits to satisfy requirements for ethics credits (such as in Saskatchewan). You get two courses:

  1. Red Flags of Unethical Conduct: Case Studies Laid Open for Learning: Forces you to examine your thinking about ethics and ethics in practice. It provides thought-provoking ethical situations in which advisors must make hard choices and suggests how ethical guidelines can help decision-making. 1 Credit.
  2. Sound Business Practices for Life Agents to Stay Compliant: The fundamentals of compliance and practical instruction for sole practitioners or larger companies on how to implement these fundamentals. The agent/advisor gets both the benefit of “why-to” and “how-to” in logical, easy-to-follow instructions and advice. 2 Credits.

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Price: $44.95 – a 10% savings

4 Credit Package: IIROC (CECAP) Compliance

(Two courses provided by email as files to save or print off.)

CECAP: 4 Compliance credits
Provincial Life Credits: 4 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 4 credits in BC, AB, SK, MB, ON
CFP® Professionals: 4 Verified (1 Professional Responsibility; 1.5 Financial Planning; 1.5 Practice Management)

Compliance and Professional Development credits are due December 31, 2017. Here are some compliance credits to work towards satisfying your requirement.

Privacy Practices for the Financial Services
It’s time to learn more about privacy than PIPEDA. Privacy issues affect many of your activities and those of your employees. Interesting to read and vastly informative, Privacy Practices for the Financial Services should be on your desk today.

Red Flags of Unethical Conduct: Case Studies Laid Open for Learning
This course is not another lecture on what it means to be ethical. We assume you know its importance. Red Flags of Unethical Conduct provides thought-provoking ethical situations in which advisors must make hard choices and suggests how ethical guidelines can help decision-making.

Price: $59.95 – Save $4.95 on ordering individual courses

5 Credit Package: Golden Years Planning

(Three courses: one course provided by email as file to save or print off; two video courses provided to view online.)

Updated this year – All new courses!

Provincial Life Credits: 5 credits in BC, SK, MB, ON (AB: 4 credits)
Provincial A&S Credits: 1 credit in BC, AB, SK, MB, ON
CFP® Professionals: 5 credits (Financial Planning)

The golden years: the time to enjoy the fruits of one’s labour. Make sure your clients who are in this lifestage, or getting close, have the information they need. These courses touch on issues important to them — and, to you!

Three courses are included in this package:

  • Ace the Annual Review
  • Calculate Client Risk
  • Find the Willpower

Improve outcomes for your seniors with the practical knowledge from this course set!

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Price: $64.95 – Save $4.90

5 Credit Package: The Pension Safety Net

(Three courses provided by email as files to save or print off.)

Provincial Life Credits: 5 credits in BC, SK, MB, ON
Provincial A&S Credits: 1 credit in BC, SK, MB, ON
CFP® Professionals: 5 credits (Financial Planning)

The pension income safety net is created by Old Age Security with the Canada Pension Plan. Make sure nothing escapes the net for your clients! Calculate when it’s best for them to start the pension, and how to protect OAS from slipping through via clawback.

Give your clients more of the best advice you’re known for with key information on these issues combined with details on assessing their capacity for risk — essential for addressing the now-or-later question.

In this package, you will receive:

  • The CPP Question: When to Start the Retirement Pension
  • The OAS Balancing Act: Receiving and Retaining the Pension
  • Calculate Client Risk

A net/net knowledge win for you and your clients.

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Price: $74.85

7 Credit Package: Seminar Alternative #1: Equivalent to One Day of Life/A&S/CFP (Financial Planning) Credits

(Two courses provided by email as files to save or print off.)

Provincial Life Credits: 7 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 7 credits in BC, AB, SK, MB, ON
Quebec Credits: CSF: 5 PDUs (1 Compliance; 4 Insurance of Persons); IPQF: 4 PDUs (1 SC; 3 SFPA)
CFP® Professionals: 7 credits (Financial Planning)
Institute Credits: 5
CECAP: 3 (Professional Development)

This package combines Be a Better Advisor This Year and Sound Business Practices for Life Agents to provide the equivalent to one full day of seminar CE credits for life agents, A&S agents, and CFPs.

You get one 15-question quiz and your Certificate for each course, valid for the insurance regulators in the provinces listed above, for 7 credits. CLIFE is an FPSC-approved CE provider. See our other Seminar Alternative bundles for other 7 credit options.

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Price: $74.95 – Save $19.95

7 Credit Package: Seminar Alternative #2: Equivalent to One Day of Life/A&S/CFP (Financial Planning) Credits

(Two courses provided by email as files to save or print off.)

Provincial Life Credits: 7 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 7 credits in BC, AB, SK, MB, ON
Quebec Credits: CSF: 3 PDUs (Compliance); IPQF: 3 PDUs (SC)
CFP® Professionals: 7 credits (5.5 Financial Planning; 1.5 Practice Management)
Institute Credits: 3
CECAP: 3 (Compliance)

This package combines Decisions, Decisions: A Simple Approach to Better Financial Decisions and Privacy Practices for Financial Services to provide the equivalent to one full day of seminar CE credits for life agents, A&S agents, and CFPs.

You get one 15-question quiz and your Certificate for each course, valid for the insurance regulators in the provinces listed above, for 7 credits. CLIFE is an FPSC-approved CE provider. See our other Seminar Alternative bundles for other 7 credit options.

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Price: $74.95 – Save $14.95

7 Credit Package: Seminar Alternative #3: Equivalent to One Day of Life/CFP (Financial Planning) Credits

(Two courses provided by email as files to save or print off.)

Provincial Life Credits: 7 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 7 credits in BC, SK, MB, ON (AB: 5 credits)
CFP® Professionals: 7 credits (Financial Planning)

This package combines A Big Issue: Your Older and Aging Clients and Their Mental Capacity and The 7 Dangerous Financial Planning Mistakes to provide the equivalent to one full day of seminar CE credits for life agents and CFPs.

You get one 15-question quiz and your Certificate for each course, valid for the insurance regulators in the provinces listed above, for 7 credits. CLIFE is an FPSC-approved CE provider. See our other Seminar Alternative bundles for other 7 credit options.

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Price: $74.95 – Save $14.95

8 Credit Package: Happy Days

(One course provided by email as file to save or print off; one video to watch online.)

Provincial Life Credits: 8 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 7 credits in BC, AB, SK, MB, ON
CFP® Professionals: 8 credits (Financial Planning)

Is it “good-bye tension, hello pension” when preparing for retirement or living in retirement? Find out what can make this period of life the “happy days.” This value-priced package combines the RIGHT Answers (Fast, Accurate Answers to Client Retirement Questions) and Integrating Retirement and Estate Planning to provide 8 CE credit hours for life agents and CFPs.

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Price: $89.95 – Save $4.95

9 Credit Package: Retire RIGHT

(Two courses provided by email as files to save or print off.)

Provincial Life Credits: 9 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 7 credits in BC, AB, SK, MB, ON
CFP® Professionals: 9 credits (Financial Planning)

This package combines RIGHT Answers: Fast, Accurate Answers to Client Retirement Questions and A Comparison of Segregated Funds, Mutual Funds, and Exchange Traded Funds to provide 9 CE credit hours.

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Price: $94.95 – Save $4.95

10 Credit Package: Boom and Bust

(Two courses provided by email as files to save or print off.)

Provincial Life Credits: 10 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 10 credits in BC, SK, MB, ON
CFP® Professionals: 10 credits (Financial Planning)

Canadian life insurers pay out approximately $160 million per week (over $8.3 billion annually) in death benefits. Meanwhile, a leading Canadian bank reports that roughly 80% of Canadians are in debt and nearly two-thirds would have trouble affording their debt if interest rates rise. It seems that, in Canada, we’re experiencing a personal boom and bust at the same time. And, to a degree, that is true with some areas within the country and some demographic groups going through a phase of dynamic growth, while others are not so lucky.

Learn to manage both sides of the financial equation with the two courses in this package: Boom! Managing Sudden Wealth: Inheritance, Home Equity, Business Proceeds (and other windfalls) – Overview Edition, and Bust! Managing Debt.

There’s something for all advisors to learn in these courses and apply to all their clients. Whether it’s a strategy to manage sudden wealth or to pay down debt, this is highly relevant information that proves your worth as a valued advisor.

(If you prefer the full-length version of Boom! Managing Sudden Wealth, please see the 15-credit course listed below.)

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Price: $99.95 – Save $19.95

10 Credit Package: To Protect and Serve

(Two courses provided by email as files to save or print off.)

Provincial Life Credits: 10 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 7 credits in BC, AB, SK, MB, ON
CFP® Professionals: 10 credits (Financial Planning)
General Credits: 7 credits in BC, AB, SK, MB, ON
RIBO Credits: 7 (Technical) in ON

This package combines Financial Fraud: How to Protect Yourself, Your Clients, and Your Business from Financial Fraud and Retirement Planning by Life Stage to provide 10 CE credit hours for life agents and CFPs.

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Price: $99.95 – Save $14.95

10 Credit Package: C.S.I (Crime, Safety and Insurance) Combo

(Two courses provided by email as files to save or print off.)

Provincial Life Credits: 10 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 10 credits in BC, AB, SK, MB, ON
Quebec Credits: CSF: 3 PDUs (1 General; 2 Insurance of Persons); IPQF: 3 PDUs (SFPA)
CFP® Professionals: 10 credits (Financial Planning)
General Credits: 7 credits in BC, AB, SK, MB, ON
RIBO Credits: 7 (Technical) in ON
Institute Credits: 3
CECAP: 2 (Product Knowledge)

This package combines Financial Fraud: How to Protect Yourself, Your Clients, and Your Business from Financial Fraud and The Financial Snapshot: Foundations for Insurance Planning to provide 10 CE credit hours for life agents, A&S agents, and CFPs.

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Price: $99.95 – Save $14.95

11 Credit Package: The H.A.T Trick (Health, Age and Travel) Package

(Three courses: two courses provided by email as files to save or print off; one video course provided to view online.)

Provincial Life Credits: 11 credits in BC, SK, MB, ON (AB: 5 credits)
Provincial A&S Credits: 11 credits in BC, AB, SK, MB, ON
CFP® Professionals: 11 credits (Financial Planning)
General Credits: 5 credits in BC, AB, SK, MB, ON

This package combines Canada’s Long-Term Care Crisis (video course), Travel Medical Insurance and A Big Issue print courses to provide 11 CE credit hours. It’s a review of the issues of aging, health and travel-medical and loaded with practical information to help you sell.

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Price: $119.95 – Save $29.90

12 Credit Package: Fundamentals of Canadian Retirement

(Two courses provided by email as files to save or print off.)

Provincial Life Credits: 12 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 12 credits in BC, AB, SK, MB, ON
CFP® Professionals: 12 credits (Financial Planning)

This value-priced package combines the RIGHT Answers (Fast, Accurate Answers to Client Retirement Questions) and The Building Blocks of Canadian Retirement Planning to provide 12 CE credit hours for life agents and CFPs.

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Price: $124.95 – Save $14.95

12 Credit Package: The Insurance APP (Advisor Principles and Practices)

(Three courses provided by email as files to save or print off.)

Provincial Life Credits: 12 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 12 credits in BC, AB, SK, MB, ON
Quebec Credits: CSF: 3 PDUs (Compliance); IPQF: 3 PDUs (SC)
CFP® Professionals: 12 credits (Financial Planning)
Institute Credits: 3
CECAP: 3 (Compliance)

This outstanding package delivers three courses:

  1. A Big Issue: Your Older and Aging Clients and Their Mental Capacity
  2. Decisions, Decisions: A Simple Approach to Better Financial Decisions
  3. Privacy Practices for the Financial Services

Learn principles for client management and compliance; benefit from the practical advice these courses provide. You can improve business relationships across the board while making your job easier and more rewarding.

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Price: $124.95 – Save $29.90

12.75 Credit Package: The IIROC Initiative

(Six courses provided by email as files to save or print off.)

Provincial Life Credits: 16 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 16 credits in BC, AB, SK, MB, ON
Quebec Credits: CSF: 16 PDUs (1 General Subject, 9 Insurance of Persons, 6 Compliance); IQPF: 16 PDUs (10 SFPA, 6 SC)
CFP® Professionals: 16 credits (15 Financial Planning, 1 Professional Responsibility)
Institute Credits: 16
CECAP: 12.75 (4 Compliance, 8.75 Professional Development)

CECAP accredits programs that meet the CE requirements set by IIROC. This is a package that provides six individual courses. They are all CECAP accredited for Cycle 6, which ends December 31, 2017. Each course is also accredited by other regulators; Certificates issued on course completion show each category in which credits have been earned. Financial advisors save significant time and expense by taking these courses and applying the full number of credits of each single course against their across-the-board CE requirements.

Basic Concepts of Canadian Life Insurance
Basic Concepts of Canadian Life Insurance is a course that focuses on life insurance:

  • Terms as they relate to policy types, policy benefits, and policy provisions;
  • Requirements for disclosure (particularly important with the introduction of CRM2 for securities).

Be a Better Advisor This Year
This course provides simple steps you can take to be better at your job starting today. You get practical customer-focused ideas that you can immediately use to benefit prospects, clients, and your bottom line.
Learn to understand and anticipate client needs for insurance and investment products.

The Financial Snapshot: Foundations of Insurance Planning
A financial snapshot is an overview of client financial information that gives the agent-advisor essential information to build recommendations and advice.

Mastering the Life Insurance Sales Process
Provincial regulators are taking note. Advisor sales practices must comply with needs’ assessment and requirements for product recommendations. Includes a Financial Checklist that provides vital documentation for the client file!

Privacy Practices for the Financial Services
It’s time to learn more about privacy than PIPEDA. Privacy issues affect many of your activities and those of your employees. Interesting to read and vastly informative, Privacy Practices for the Financial Services should be on your desk today.

Red Flags of Unethical Conduct: Case Studies Laid Open for Learning
Egalement disponible en francais.
This course is not another lecture on what it means to be ethical. We assume you know its importance. Red Flags of Unethical Conduct provides thought-provoking ethical situations in which advisors must make hard choices and suggests how ethical guidelines can help decision-making.

Price: $199.75

13 Credit Package: The Seniors’ Specialist

(Three courses provided by email as files to save or print off.)

Provincial Life Credits: 13 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 13 credits in BC, SK, MB, ON (AB: 5 credits)
CFP® Professionals: 13 credits (Financial Planning)

The senior population in Canada is surging. To best take care of seniors’ financial planning needs, you must have information, and understanding of seniors and their challenges.

Three courses are included in this seniors-focused package:

  • Estate Planning for Retirees
  • Probate Planning
  • A Big Issue: Your Older and Aging Clients and Their Mental Capacity

This collection of courses, combined with your established expertise, gives you the know-how to become a seniors’ specialist. You will learn how to tackle seniors’ issues with compassion, confidence, and competence.

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Price: $134.95 – Save $34.90

15 Credit Package: The Accident & Sickness Credits Package

(Three courses provided by email as files to save or print off.)

Provincial Life Credits: 15 credits in BC, SK, MB, ON (AB: 10 credits)
Provincial A&S Credits: 15 credits in BC, AB, SK, MB, ON
Quebec Credits: CSF: 3 PDUs (Compliance); IPQF: 3 PDUs (SC)
CFP® Professionals: 15 credits (13.5 Financial Planning; 1.5 Practice Management)
Institute Credits: 3
CECAP: 3 (Compliance)

This package combines Travel Medical Insurance, Disability Income: Overview of Sources and Solutions, and Privacy Practices for the Financial Services to provide 15 CE credit hours for life agents, A&S agents, and CFPs.

You will learn how to sell more travel medical insurance, have a better understanding of the disability income model, and round out your learning with the essentials of privacy compliance that go far beyond your typical PIPEDA overview.

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Price: $149.95 – Save $29.90

15 Credits: Be the Better Advisor

(Five courses provided by email as files to save or print off.)

Provincial Life Credits: 15 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 7 credits in BC, (6 in AB), SK, MB, ON
Quebec Credits: CSF: 5 PDUs (1 Compliance; 4 Insurance of Persons); IPQF: 5 PDUs (4 SFPA; 1 SC)
CFP® Professionals: 15 credits (Financial Planning)
General Credits: 5 credits in BC, AB, SK, MB, ON
Institute Credits: 5
CECAP: 3 (Professional Development)

Advisors across Canada have embraced our best-selling 5-credit course, Be A Better Advisor This Year. Now, here is your opportunity to review the essential information in that course and go one step further with more ideas and approaches to apply across client relationships this year and every year.

Five courses are included in this customer-focussed package:

  • Be the Better Advisor This Year
  • Be the Better RRSP/TFSA Advisor
  • Ace the Annual Review
  • Calculate Client Risk
  • The 7 Dangerous Financial Planning Mistakes

Start now on this compelling collection of information and insights that will make you the better advisor.

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Price: $189.75

15 Credit Package: In-the-Know

(Two courses provided by email as files to save or print off.)

Provincial Life Credits: 15 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 15 credits in BC, AB, SK, MB, ON
Quebec Credits: CSF: 3 PDUs (1 General; 2 Insurance of Persons); IPQF: 3 PDUs (SFPA)
CFP® Professionals: 15 credits (Financial Planning)
Institute Credits: 3
CECAP: 2 (Professional Development)

This package combines the Fundamentals of Canadian Life Insurance and The Financial Snapshot: Foundations for Insurance Planning to provide 15 CE credit hours for life agents and CFPs.

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Price: $129.95 – Save $4.95

15 Credit Package: The I.Q (Insurance Quotient) Combo

(Two courses provided by email as files to save or print off.)

Provincial Life Credits: 15 credits in BC, AB, SK, MB, ON
CFP® Professionals: 15 credits (Financial Planning)

This package combines the Fundamentals of Canadian Life Insurance and Retirement Planning by Life Stage courses to provide 15 CE credit hours for life agents and CFPs.

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Price: $129.95 – Save $4.95

15 Credit Package: The New Agent Package

(Three courses provided by email as files to save or print off.)

Provincial Life Credits: 15 credits in BC, AB, SK, MB, ON
CFP® Professionals: 15 credits (14 Financial Planning; 1 Professional Responsibility)
Quebec Credits: CSF: 1 PDU (Compliance); IPQF: 1 PDU (SC)
General Credits: 1 credit in BC, AB, SK, MB, ON
Institute Credits: 1
CECAP: 1 (Compliance)

Specially developed for the learning needs of the new agent but available for anyone who wants a refresher on life insurance products, insight into client behaviour, and a reminder of the ethics of the profession.

This value-priced package includes: Fundamentals of Canadian Insurance (12 credits), The 7 Dangerous Financial Planning Mistakes (2 credits), and Red Flags of Unethical Conduct: Case Studies Laid Open for Learning (one credit).

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Price: $129.95 – Save $14.90

15 Credit Package: Retirement Income: Principles and Practice

(Two courses provided by email as files to save or print off.)

Provincial Life Credits: 15 credits in BC, AB, SK, MB, ON
CFP® Professionals: 15 credits (Financial Planning)

This package combines Retirement Income: Building Towards Answers and Retirement Income in Practice to provide 15 CE credit hours for life agents and CFPs. It is a valuable package of retirement income planning information and ideas.

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Price: $164.95 – Save $14.95

16 Credit Package: The CSF & IPQF PDU Express Package

(Six courses provided by email as files to save or print off.)

Provincial Life Credits: 16 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 16 credits in BC, AB, SK, MB, ON
Quebec Credits: CSF: 16 PDUs (9 Insurance of Persons; 6 Compliance; 1 General Subject); IPQF: 16 PDUs (10 SFPA; 6 SC)
CFP® Professionals: 16 credits (13.5 Financial Planning; 1.5 Practice Management; 1 Professional Responsibility)
Institute Credits: 16
CECAP: 12.75 credits (8.75 Professional Development; 4 Compliance)
General Credits: 9 credits in BC, AB, SK, MB, ON

Fast-track your CSF and IQPF PDUs with this package of courses that include:

  • Be a Better Advisor This Year
  • Basic Concepts of Canadian Life Insurance
  • The Financial Snapshot: Foundations of Insurance Planning
  • Privacy Practices for the Financial Services
  • Red Flags of Unethical Conduct: Case Studies Laid Open for Learning
  • Mastering the Life Insurance Sales Process

Whether you are licensed by the CSF/IQPF, or a different regulatory body, this package offers an efficient way of completing your PDUs and CE credits.

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Price: $209.75 – Save $10

20 Credit Package: The PRIME (Privacy and Retirement Income for More Earnings) Package

(Four courses provided by email as files to save or print off.)

Provincial Life Credits: 20 credits in BC, AB, SK, MB, ON
Quebec Credits: CSF: 3 PDUs (Compliance); IQPF: 3 PDUs (SC)
CFP® Professionals: 20 credits (18.5 Financial Planning; 1.5 Practice Management)
Institute Credits: 3
CECAP: 3 (Compliance)

Get primed for more sales! This package combines our big retirement income course, which consists of Retirement Income: Building Towards Answers and Retirement Income in Practice, with 7 Dangerous Financial Planning Mistakes, and rounds out the 20 credits with Privacy Practices for the Financial Services. This is a learning experience packed with practical advice you can use to attract new clients and maintain harmony with those already on the books.

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Price: $199.95 – Save $44.85

25 Credit Package: The Canadian Financial Planner Package

(Four courses provided by email as files to save or print off.)

Provincial Life Credits: 25 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 7 credits in BC, AB, SK, MB, ON
Quebec Credits: CSF: 3 PDUs (Compliance); IQPF: 3 PDUs (SC)
CFP® Professionals: 25 credits (23.5 Financial Planning; 1.5 Practice Management)
Institute Credits: 3
CECAP: 3 (Compliance)

This package combines our big retirement income course, which consists of Retirement Income: Building Towards Answers and Retirement Income in Practice, with the abridged Disability Overview course, and completes the 25 credits with Privacy Practices for the Financial Services. You’ll get an income overhaul with this package and gain new insight for both the retired and the disabled. Complete your studies with timely information on privacy that could affect you today.

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Price: $239.95 – Save $54.85

25 Credit FPSC Pre-approved Package for CFP Professionals

C’Life is an FPSC-approved CE provider and has many courses pre-approved by the Council. The following two course bundles are a shortcut for ordering the annual credit requirement to renew certification. All courses in each package are pre-approved. CFP Professionals may repeat courses from one renewal cycle to the next.

These courses also provide life credits, which can be submitted to provincial regulators. These credits will display on each course Certificate.

Option A

(Courses provided by email as file to save or print off)

Boom: Managing Sudden Wealth: 7 credits (Financial Planning)
Learn how to manage the sudden wealth from real estate proceeds, inheritance, investing, or business proceeds. Rationalize client expectations with a plan that can assure financial freedom for life.

Be the Better RRSP/TFSA Advisor: 6 credits (Financial Planning)
This course provides a vital review of RRSPs and TFSAs, points of comparison, strategies for use, and details of taxation. Learn the answer to the question, “Which one is best?”

A Big Issue: Your Older and Aging Clients and Their Mental Capacity: 5 credits (Financial Planning)
A Big Issue addresses dementia and Alzheimer’s disease in the context of mental and financial capacity. Prepare yourself by understanding your responsibility to clients with failing capacity, what you can do, and when.

Estate Planning for Retirees: 5 credits (Financial Planning)
Estate Planning for Retirees provides a wealth of no-nonsense detail about plans that must be made during life, what happens to the estate at death, and how to prepare for taxes now and then. A focus on insurance products ensures you will equip your clients with insurance designed to meet their needs.

Mastering the Life Insurance Sales Process: 1 credit (Financial Planning)
Advisor sales practices must comply with needs’ assessment and requirements for product recommendations. Take this course for details on precisely what must be disclosed to the client, and why.

Red Flags of Unethical Conduct: Case Studies Laid Open for Learning: 1 credit (Professional Responsibility)
Red Flags of Unethical Conduct forces you to examine your thinking about ethics and ethics in practice. It provides thought-provoking ethical situations in which advisors must make hard choices and suggests how ethical guidelines can help decision-making.

Price: $249.95 – Save $49.80 on the cost of ordering each course on its own

Option B

(Courses provided by email as file to save or print off)

Basic Concepts of Canadian Life Insurance: 3 credits (Financial Planning)
Know your life products and procedures with insurance terms and requirements for disclosure.

Be a Better Advisor This Year: 5 credits (Financial Planning)
Understand and anticipate client needs for insurance and investment products with practical ideas in this course.

Financial Fraud: How to Protect Yourself, Your Clients and Your Business from Financial Fraud: 7 credits (Financial Planning)
Fraud affects us all. Learn how to recognize fraud, how you can help prevent fraud, and what to do if you, your clients, or your business becomes a victim.

Privacy Practices for the Financial Services: 3 credits (1.5 Financial Planning; 1.5 Practice Management)
Here is a course loaded with practical advice for instilling privacy safeguards.

Probate Planning: 3 credits (Financial Planning)
Learn planning opportunities that can reduce probate and increase net proceeds from estates.

Professional Responsibility and Seniors: Advisor Guidance for Ethical Practice: 3 credits (1 Professional Responsibility credit; 2 Financial Planning credits)
You’ll read background on the challenges seniors present and thought-provoking case studies centred on seniors. Each case study draws upon FPSC® Principles and Rules to provide guidance for your responsibilities as a professional.

Start the Responsible Investing (RI) Conversation: 1 credit (Financial Planning)
Your clients want you to initiate the discussion about responsible investing. This course gets you started and discusses the importance of RI for risk management.

Price: $249.95 – Save $54.70 on the cost of ordering each course on its own

30 Credit Package: The C.R.A. (Canadian Retirement Advisor) Package

(Five courses provided by email as files to save or print off. Also available to order printed courses shipped from CLIFE, ready for reading. One test.)

Provincial Life Credits: 30 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 15 credits in BC, AB, SK, MB, ON
Quebec Credits: CSF: 8 PDUs (2 General Subject, 6 Insurance of Persons); IQPF: 3 PDUs (SFPA)
CFP® Professionals: 30 credits (Financial Planning)
Institute Credits: 3
CECAP: 2 (Professional Development)

This package combines Retirement Income (the text and its separate workbook), RIGHT Answers, The Building Blocks of Canadian Retirement Planning and The Financial Snapshot to provide 30 CE credit hours for life agents, financial planners, and CFP professionals.

Here is some of what you will learn:

  • How to help clients create and manage retirement income;
  • Retirement facts to establish your expertise as a retirement advisor, financial planner, and insurance sales agent;
  • Details on retirement plans, programs, and policies so that you can understand better plan retirement strategies.

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Online version of Courses: $299.95 – Save $59.80


Print version of Courses: $374.85 ($299 course cost + $60 for printed versions of all five courses, test, Certificates, and $14.95 shipping and handling.)

30 Credit FSCO Fast-track Package

(Three courses provided by email as files to save or print off.)

Provincial Life Credits: 30 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 10 credits in BC, AB, SK, MB, ON
CFP® Professionals: 30 credits (Financial Planning)

The continuing education (CE) requirement for life agents regulated by the Financial Services Commission of Ontario (FSCO) requires the completion of 30 hours of CE every two years. Continuing education must be related to the technical aspects of life insurance. (Read the examples of acceptable topics here: FSCO CE guidelines)

Specific courses are not approved, recommended, or endorsed by FSCO. However, the Alberta Insurance Council (AIC) actively accredits courses, as does the Financial Planning Standards Council (FPSC). The courses in this package have met with the approval of AIC or FPSC for CE for life agents and financial planners. You can take them as a fast-track to 30 credits, or choose other packages or individual courses in our catalogue. They all meet the specifications for CE in the province.

Boom: Managing Sudden Wealth: 15 credits (AIC approved; Verifiable for CFP Professionals)
Learn how to manage the sudden wealth from real estate proceeds, inheritance, investing, or business proceeds. Rationalize client expectations with a plan that can assure financial freedom for life.

Taking Care of Business: Insurance Needs of Business Owners: 10 credits (AIC approved; Verifiable for CFP Professionals)
Business owners need life and disability insurance to fund buy-outs and personal needs. You’ll learn how to protect their personal and corporate interests by appropriate insurance coverage. Plus, you’ll learn the top tips for an exit strategy and a Shareholder Agreement Checklist.

Estate Planning for Retirees: 5 Credits (AIC approved; FPSC pre-approved)
Estate Planning for Retirees gives you in-depth information you can use to help your retired or retiring clients plan their estates. It provides a wealth of no-nonsense detail about plans that must be made during life, what happens to the estate at death, and how to prepare for taxes now and then.

Price: $299.95 – Save $64.90

SINGLE COURSES

The 7 Dangerous Financial Planning Mistakes


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(Course provided by email as file to save or print off.)

Provincial Life Credits: 2 credits in BC, AB, SK, MB, ON
CFP® Professionals: 2 credits (Financial Planning)

You’ve seen prospects and even your clients make these mistakes! — their belief that they don’t need a financial plan, that they can plan on their own, that they know all there is to know, or that their friend or neighbour has the right answer. This course covers seven common mistakes clients make, and the loss of opportunities that result from their errors.

You learn new approaches to understand the benefits and role of financial planning, and ideas you can implement to create customers for life.

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Price: $24.95

Ace the Annual Review


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(Course provided by email as file to save or print off.)

Provincial Life Credits: 1 credit in BC, AB, SK, MB
Provincial A&S Credits: 1 credit in BC, AB, SK, MB, ON
CFP® Professionals: 1 credit (Financial Planning)

The annual review is a perfect example of a subject too often overlooked in the race for more information on subjects such as fund performance, tax planning, or estate planning. This short course will show you how a review can be a business stimulator.

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Price: $19.95

Act on Money Laundering


(Course provided by email as file to save or print off.)

Provincial Life Credits: 1 credit in BC, AB, SK, MB, ON
Provincial A&S Credits: 1 credits in BC, AB, SK, MB, ON
CFP® Professionals: .5 credit (Financial Planning); .5 credit (Practice Management)
Institute Credits: 1

It is essential for you to understand the need to submit a suspicious transaction report to help deter money laundering. This requirement is a compliance issue, as written in the Act, since authorities need the intelligence provided in the reports. It is also a moral issue — since deterring money laundering is clearly the right thing to do.

Make sure you understand what comprises “suspicion.” Learn other requirements and better understand who is a Politically Exposed Foreign Person in this easy-to-read course.

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Price: $19.95

Basic Concepts of Canadian Life Insurance


(Course provided by email as file to save or print off.)

Provincial Life Credits: 3 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 3 credits in BC, AB, SK, MB, ON
Quebec Credits: CSF: 3 PDUs (3 Insurance of Persons); IQPF: 3 PDUs (3 SFPA)
CFP® Professionals: 3 credits (Financial Planning)
Institute Credits: 3
CECAP: 3 (Professional Development)

Basic Concepts of Canadian Life Insurance is a course that focuses on life insurance:

  1. Terms as they relate to policy types, policy benefits, and policy provisions;
  2. Requirements for disclosure (particularly important with the introduction of CRM2 for securities).

On completion, you’ll know your life products and procedures. Get the deal done!

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Price: $39.95

Be a Better Advisor This Year


(Course provided by email as file to save or print off.)

Provincial Life Credits: 5 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 5 credits in BC, AB, SK, MB, ON
Quebec Credits: CSF: 5 PDUs (1 Compliance; 4 Insurance of Persons); IQPF: 5 PDUs (4 SFPA; 1 SC)
CFP® Professionals: 5 credits (Financial Planning)
General Credits: 5 credits in BC, AB, SK, MB, ON
Institute Credits: 5
CECAP: 3 (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.

Learn to understand and anticipate client needs for insurance and investment products.

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Price: $64.95

Be the Better RRSP/TFSA Advisor


(Course provided by email as file to save or print off.)

Provincial Life Credits: 6 credits in BC, AB, SK, MB, ON
CFP® Professionals: 6 credits (Financial Planning)

Think the market is saturated? Only one in four Canadians contribute to RRSPs. Many of those who contribute do not fully understand their plan, its options, and its requirements. This course provides a vital review of RRSPs and TFSAs, points of comparison, strategies for use, and details of taxation. Even if you think RRSPs (and TFSAs) are old hat, chances are you’ll find new and important information in this course that can give you an advantage with prospects and clients.

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Price: $69.95

A Big Issue: Your Older and Aging Clients and Their Mental Capacity


(Course provided by email as file to save or print off.)

Provincial Life Credits: 5 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 5 credits in BC, AB, SK, MB, ON
CFP® Professionals: 5 credits (Financial Planning)

This is a course about a thief that sneaks in, and remains undetected until it steals a person’s independence and ability to cope financially.

The thief is dementia and Alzheimer’s disease.

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 the upcoming epidemic.

  • How will you recognize dementia or Alzheimer’s in your client?
  • How many of your clients might be affected?
  • What is your responsibility to your client?
  • What can, and will you do — and when?
  • Is there a role for insurance?

This is pure financial planning knowledge that addresses a frightening problem with information, insights, and ideas.

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Price: $64.95

Boom! Managing Sudden Wealth: Inheritance, Home Equity, Business Proceeds (and other windfalls)


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(Course provided by email as file to save or print off.)

Provincial Life Credits: 15 credits in BC, AB, SK, MB, ON
CFP® Professionals: 15 credits (Financial Planning)

In 2015, Canadian life insurers paid out approximately $160 million per week in death benefits. This is just one part of the immense transfer of wealth from one generation to the next that is happening now.

Get on board with the knowledge you need to find and manage sudden wealth, such as that received from insurance proceeds, property inheritance, real estate proceeds, or the sale of a business.

Learn how to manage client expectations and risks. Deal with issues like debt, investing, and insurance. Provide solutions. This is a must-do course if you plan to work with this growing market.

(A 7-credit version of this course is also available; see below)

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Price: $174.95

Boom! Managing Sudden Wealth: Inheritance, Home Equity, Business Proceeds (and other windfalls) – Overview Edition


(Course provided by email as file to save or print off.)

Provincial Life Credits: 7 credits in BC, AB, SK, MB, ON
CFP® Professionals: 7 credits (Financial Planning)

This is a short-form version of the 15-credit course, Boom! Managing Sudden Wealth. You get the essentials on managing a windfall: its scope, its challenges, and its benefits.

Learn about a strategy for saving, investing, insurance, and gifting. Get details on legal and tax matters that affect financial planning.

You won’t be shortchanged by this overview version of the course. It provides plenty of valuable information to build your expertise in a subject that is relevant now — and will be of huge importance in years to come.

(The 15-credit version of this course is also available; see above)

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Price: $79.95

The Building Blocks of Canadian Retirement Planning


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(Course provided by email as file to save or print off OR in print format, shipped from CLIFE, ready for reading.)

Provincial Life Credits: 5 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 5 credits in BC, AB, SK, MB, ON
CFP® Professionals: 5 credits (Financial Planning)

Increase your understanding of retirement issues, plans, and planning to better serve the 1,000 Canadians a day who are retiring now — and for the next 20 years.

This course is an easy to read selection of terms and concepts that are relevant to retirement. The terms will help you guide client retirement decision-making, provide essential facts that will help develop plans, and give you insight and information. You will learn the real needs of retirees and how you can serve those needs.

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Online version of course: $64.95


Print version of course: $94.90 (Course cost + $15 for printed course, test, Certificate, and $14.95 shipping and handling.)

Bust! Managing Debt


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(Course provided by email as file to save or print off.)

Provincial Life Credits: 3 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 3 credits in BC, SK, MB, ON
CFP® Professionals: 3 credits (Financial Planning)

You have clients in debt. How can we be so sure? Statistics show that roughly 80% of Canadians are in debt and spend an average of 14% of after-tax income on their debt. All debt isn’t bad but, for many, debt is a four-letter word.

This course fills in the blanks on debt: who goes into debt, how people go into debt, what they can do about it, and how they can crawl out from under its burden. It give you information you can use to advise your clients on controlling and eliminating debt, and includes useful details about debt management and consolidation.

(Also available in the 10-credit Boom and Bust course bundle.)

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Price: $39.95

Calculate Client Risk


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(Course provided by email as file to save or print off.)

Provincial Life Credits: 1 credit in BC, AB, SK, MB
Provincial A&S Credits: 1 credit in BC, SK, MB, ON
CFP® Professionals: 1 credit (Financial Planning)

Pinning down risk is a bit like trying to herd cats: it can be frustrating and unsuccessful. This course gives you the basics on risk with some in-depth information on how to determine risk tolerance and risk capacity.

This short course is going to give you a handle on what risk is, what is means to different people, and how risk can be calculated and managed. If you are in the business of risk management via insurance or investments, this is must-do learning.

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Price: $19.95

Canada’s Long-term Care Crisis and Its Insurance Solution


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(Video course provided to view online.)

Speaker: Karen Henderson, CEO, Long-term Care Planning Network

Provincial Life Credits: 1 credit in BC, SK, MB, ON
Provincial A&S Credits: 1 credit in BC, AB, SK, MB, ON
CFP® Professionals: 1 credit (Financial Planning)

This session will give you the facts underlying long-term care: what it is and what your clients can expect. It will also show you how long term care insurance can prepare your clients for the future, and provide valuable tips to help you in this market.

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Price: $19.95

The CPP Question: When to Start the Retirement Pension?


(Course provided by email as file to save or print off.)

Provincial Life Credits: 2 credits in BC, AB, SK, MB, ON
CFP® Professionals: 2 credits (Financial Planning)
Institute Credits: 2

Choosing the right time to begin the CPP retirement pension is a source of speculation and pain for advisors and their clients. Start early at a reduced value? Get the full pension at age 65? Wait and receive a larger pension after 65? Is there a best course of action? What is it?

Now, you will be able to answer the question of “when is best?” knowledgeably with the information in The CPP Question. You will learn details about CPP with a focus for the discussion on the issue of timing. This is essential learning that increases your value to clients and prospects alike.

Course features year-by-year benefits breakdown for both pre-65 and post-65 pensions to calculate the exact percentage of pension reduction or increase.

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Price: $29.95

Countdown to Retirement


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(Course provided by email as file to save or print off.)

Provincial Life Credits: 7 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 3 credits in BC, AB, SK, MB, ON
CFP® Professionals: 7 credits (Financial Planning)

This course describes a plan of action for the five years leading up to retirement. It addresses key issues such as the importance of capital protection during these years, the role life insurance continues to play, and how to organize affairs while still working. You can use this information as a planning tool for those who have more than five years until retirement, or anyone in the final years of retirement countdown. Provides excellent oversight of a transitional lifestage.

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Price: $79.95

Decisions, Decisions: A Simple Approach to Better Financial Decisions


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(Course provided by email as file to save or print off.)

Provincial Life Credits: 4 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 4 credits in BC, AB, SK, MB, ON
CFP® Professionals: 4 credits (Financial Planning)

Here is your secret weapon in the battle to be the best at providing extraordinary financial service advice.

This course will teach you how to make complex decisions in a simple four-step process. The process can be applied to any decision you face — personal or professional. And, for the financial advisor, it provides a way to substantiate a decision to a client. You can work through the process with a client, agree on the conclusion, and the decision is made. This process will save you time and make you better at your job.

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Price: $49.95

Disability Income: Overview of Sources and Solutions (7 credits)


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(Course provided by email as file to save or print off.)

Provincial Life Credits: 7 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 7 credits in BC, AB, SK, MB, ON
CFP® Professionals: 7 credits (Financial Planning)

This is an abridged version of the 12-credit course, Disability Income: Sources and Solutions. You will not be short-changed by this course! Learn about the programs available for the disabled, and about the ever-increasing disabled population. Insurance policies and substitute decision-making with an emphasis on trusts are covered in depth. Federal programs including CPP, EI, and RDSPs are detailed to give you the insight to show clients their need for insurance products that can cover the spectrum of disability needs for themselves and their children.

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Price: $74.95

Disability Income: Sources and Solutions


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(Course provided by email as file to save or print off.)

Provincial Life Credits: 12 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 12 credits in BC, AB, SK, MB, ON
CFP® Professionals: 12 credits (Financial Planning)

There are currently over 4 million disabled Canadians. As the average age increases in coming years, there will be an ever greater number of disabled because of the direct link between aging and disability. To serve this market, you need the information and insights this Course delivers. Understand the federal and provincial programs available for the disabled. Learn what constitutes mental capacity, the signs of elder abuse, and how to create a disability income plan. Get the facts you need-to-know to increase sales of life, disability, critical illness, and long-term care insurance.

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Price: $99.95

Elders, Boomers, and Xers: Three Generations of Planning Opportunities


(Course provided by email as file to save or print off.)

Provincial Life Credits: 7 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 3 credits in BC, SK, AB, MB, ON
CFP® Professionals: 7 credits (Financial Planning)

If you believe insight into generational differences can influence your ability to sell, you’re right! This comprehensive course provides an overview of attributes of three generations, Traditionalist, Boomer, and GenX, with additional details on the issues relevant to each generation. There’s a ton of practical knowledge to take away and use immediately. Better information helps you do more; get it here.

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Price: $79.95

Estate Planning for Retirees


(Course provided by email as file to save or print off.)

Provincial Life Credits: 5 credits in BC, AB, SK, MB, ON
CFP® Professionals: 5 credits (Financial Planning)

Estate Planning for Retirees gives you in-depth information you can use to help your retired or retiring clients plan their estates. It provides a wealth of no-nonsense detail about plans that must be made during life, what happens to the estate at death, and how to prepare for taxes now and then. A focus on insurance products and structure ensures you will equip your clients with insurance designed to meet their needs.

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Price: $64.95

Financial Fraud: How to Protect Yourself, Your Clients and Your Business from Financial Fraud


(Course provided by email as file to save or print off.)

Provincial Life Credits: 7 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 7 credits in BC, AB, SK, MB, ON
CFP® Professionals: 7 credits (Financial Planning)
General Credits: 7 credits in BC, AB, SK, MB, ON
RIBO Credits: 7 (Technical)

Every email you receive that urges you to respond to important information about your bank account, or that you have won a lottery, or that your assistance is needed in transferring funds shows you are a target for financial fraud. Financial fraud is everywhere: the Internet, 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.

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Price: $74.95

The Financial Snapshot: Foundations of Insurance Planning


(Course provided by email as file to save or print off.)

Provincial Life Credits: 3 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 3 credits in BC, AB, SK, MB, ON
Quebec Credits: CSF: 3 PDUs (1 General Subject, 2 Insurance of Persons); IPQF: 3 PDUs (SFPA)
CFP® Professionals: 3 credits (Financial Planning)
Institute Credits: 3
CECAP: 2 (Professional Development)

A financial snapshot is an overview of client financial information that gives the agent-advisor essential information to build recommendations and advice.

In this three-credit Course, you will learn how to create a financial snapshot and:

  • the importance of insurance policies to cover mortgage obligations and travel needs;
  • how the personal income tax return yields a wealth of financial detail;
  • the need for a will;
  • the financial relevance of a passport.

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Price: $39.95

Find the Will Power


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(Course provided by email as file to save or print off.)

Provincial Life Credits: 3 credits in BC, AB, SK, MB, ON
CFP® Professionals: 3 credits (Financial Planning)

A will is an important and powerful document. Now, you can add another feather to your advisor’s cap when you take this course and learn the many reasons you should review your client’s and prospect’s will. This course describes common mistakes made in will preparation and provides a highly useful Asset Inventory form and a Beneficiary Endowment form to use with clients. Here is practical, everyday information to reinforce your value and enhance financial planning.

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Price: $39.95

Five Simple Financial Resolutions


(Course provided by email as file to save or print off.)

Provincial Life Credits: 6 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 6 credits in BC, SK, MB, ON
CFP® Professionals: 6 credits (Financial Planning)

You’ve heard the typical resolutions: exercise more, lose weight, be better…. But here are resolutions with real teeth in them. Quite simply, these resolutions are based on improving the financial life of your clients. They are five easy resolutions that can apply to people of virtually any age. Coach your clients to complete one, more than one, or methodically work through them all. They are a sure route to financial well-being that can be implemented any day of any year. If you are looking for practical ways to help clients, and a reason to keep touching base, you will find those ideas and reasons here. Don’t wait for the new year: start now!

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Price: $69.95

Fundamentals of Canadian Life Insurance


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(Course provided by email as file to save or print off.)

Provincial Life Credits: 12 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 12 credits in BC, AB, SK, MB, ON
CFP® Professionals: 12 credits (Financial Planning)

This 12-credit Course provides an essential review of many key, tried-and-true life insurance concepts. However, the importance of this Course is that it brings together the basics with information on more advanced topics and new products, such as the Pooled Registered Pension Plan, in which additional details are always helpful to have on hand.

Over 160 terms are explained in a clear, easy to understand style and many are supplemented with links to additional information so you can research further those subjects of interest, or perplexity, to you.

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Price: $99.95

Let Me Show You: Segregated Fund Investing


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(Course provided by email as file to save or print off.)

Provincial Life Credits: 5 credits in BC, AB (4.75), SK, MB, ON
CFP® Professionals: 5 credits (Financial Planning)

There are many benefits to segregated fund investing thanks to their offer as insurance contracts. Combine those benefits with the enormous market potential of the increasing senior population: Show the advantages of guarantees, resets, beneficiary designations, and probate bypass. Add the benefits and the market together, and you’ll come out a winner!

This course helps to deliver that winning proposition. You will ramp up your seg fund know-how and learn key advising points to use with clients. Boost product knowledge, and learn what you need to know in an easy-to-read style that is free from manufacturers’ claims. Get excited again about seg funds as a win-win investment opportunity.

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Price: $64.95

Leverage: It’s Dollars and Sense


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(Course provided by email as file to save or print off.)

Provincial Life Credits: 3 credits in BC, AB, SK, MB, ON
CFP® Professionals: 3 credits (Financial Planning)

Here’s a course on the investment strategy of leveraging, its risks, and its rewards. You will learn all you need to know about tax deductibility, suitability, and how to achieve success —- without complicated formulas and calculations.

This course will help you determine when and if leveraging is a recommendation you want to pursue.

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Price: $39.95

Manage and Resolve Conflict


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(Course provided by email as file to save or print off.)

Provincial Life Credits: 3 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 3 credits in BC, AB, SK, MB, ON
CFP® Professionals: 3 credits (Financial Planning)
General Credits: 3 credits in BC, AB, SK, MB, ON

Make clients, colleagues, and managers happy to work with you. Distinguish yourself as “the one” who has the skills, the knowledge, and the patience to turn conflict into collaboration. This Course shows you how.

Understand how conflicts begin and how to manage them to a satisfactory solution.

Learn:

  • Essential conflict management techniques that can be easily implemented;
  • To recognize your personal style and those around you: are you competitive? An avoider? A compromiser?
  • How to get to the bottom of a problem before it becomes a deal-breaker;
  • The importance of win-win negotiation.

Includes a win-win negotiation preparation worksheet!

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Price: $39.95

Mastering the Life Insurance Sales Process


(Course provided by email as file to save or print off.)

Provincial Life Credits: 1 credit in BC, AB, SK, MB, ON
Provincial A&S Credits: 1 credit in BC, AB, SK, MB, ON
Quebec Credits: CSF: 1 PDU (1 Compliance); IQPF: 1 PDU (1 SC)
CFP® Professionals: 1 credit (Financial Planning)
Institute Credits: 1
CECAP: 0.75 (Professional Development)

Provincial regulators are taking note. Advisor sales practices must comply with needs’ assessment and requirements for product recommendations. Be ready if you are challenged: take Mastering the Life Insurance Sales Process for the details on precisely what must be disclosed to the client, and why. Includes a Financial Checklist that provides vital documentation for the client file!

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Price: FREE

The OAS Balancing Act: Receiving and Retaining the Pension


(Course provided by email as file to save or print off.)

Provincial Life Credits: 2 credits in BC, AB, SK, MB, ON
CFP® Professionals: 2 credits (Financial Planning)
Institute Credits: 2

How can the clawback be avoided? 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? Do immigrants qualify? Do emigrants qualify?

These are just some of the questions answered in The OAS Balancing Act. You will learn details about OAS eligibility and enrolment. The focus is on understanding how and when income is determined and the steps available to reduce clawback. Learn how to address client OAS concerns knowledgeably and helpfully.

Course features month-by-month pension increase post-65.

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Introductory Price: $29.95

The Principle of Fairness: Applied Ethics for Financial Advisors


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(Course provided by email as files to save or print off.)

Provincial Life Credits: 1 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 1 credits in BC, AB, SK, MB, ON
Provincial Ethics Credits: 2 in SK
Institute Credits: 2 (1 Ethics)

You’re being ethical when you’re being fair. Learn about fairness, and how fairness influences financial advice. Case studies are included that reinforce fairness in action. You’ll also get prescriptive advice on how you can ensure your client dealings and relationships are fair — and ethical.

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Price: $24.95

Privacy Practices for the Financial Services


(Course provided by email as file to save or print off.)

Provincial Life Credits: 3 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 3 credits in BC, AB, SK, MB, ON
Quebec Credits: CSF: 3 PDUs (3 Compliance); IQPF: 3 PDUs (3 SC)
CFP® Professionals: 3 credits (1.5 Financial Planning; 1.5 Practice Management)
General Credits: 3 credits in BC, AB, SK, MB, ON
Adjusters: 3 credits in AB
RIBO Credits: 3 (Management)
Institute Credits: 3
CECAP: 3 (Compliance)

It’s time to learn more about privacy than PIPEDA. Privacy issues affect many of your activities and those of your employees. In this Course you:

  • Learn how to develop practices that will ensure you follow the letter and spirit of the laws.
  • Benefit from numerous personal checklists to help guide your actions.
  • Get a sample social media policy to implement that addresses use of sites like Facebook, LinkedIn, and Twitter.

This Course is a win/win/win/win: You, your office, your employees, and your clients and customers will all come out ahead when you have adopted these privacy protocols. Interesting to read and vastly informative, Privacy Practices for the Financial Services should be on your desk today.

Also, make sure you complete your order with It’s Private!, an essential employee privacy training presentation that will be a permanent resource in your office. See below for more details.

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Course Price: $39.95

Probate Planning


(Course provided by email as file to save or print off.)

Provincial Life Credits: 3 credits in BC, AB, SK, MB, ON
CFP® Professionals: 3 credits (Financial Planning)

Probate Planning explains the probate process and provides ideas for planning opportunities that can reduce probate. This is must-know information to advise clients in all provinces in which a probate charge is levied on the estate: you can show clients how their estates can save potentially significant costs while reinforcing the value of insurance products in the asset mix.

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Price: $39.95

Professional Responsibility and Seniors: Advisor Guidance for Ethical Practice


(Course provided by email as file to save or print off.)

Provincial Life Credits: 3 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 3 credits in BC, AB, SK, MB, ON
CFP® Professionals: 1 credit (Professional Responsibility) + 2 bonus Financial Planning credits

As a CFP professional, you need a professional responsibility CE credit annually. This course provides that credit. The focus is on ethics but you’ll read background on the challenges seniors present and thought-provoking case studies centred on seniors. Each case study draws upon FPSC® Principles and Rules to provide guidance for your responsibilities as a professional.

As a bonus, you’ll also receive two FPSC® Financial Planning credits!

Informative and stimulating, Professional Responsibility and Seniors provides you with the necessary credit and important information to use in building and sustaining a relationship with your senior clients.

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Want the PR credit in a general ethics course? See Red Flags of Unethical Behaviour; available as a repeat if you have taken it before.

Price: $24.95

Red Flags of Unethical Conduct: Case Studies Laid Open for Learning


(Course provided by email as file to save or print off.)

Provincial Life Credits: 1 credit in BC, AB, SK, MB, ON
Provincial A&S Credits: 1 credit in BC, AB, SK, MB, ON
Quebec Credits: CSF: 1 PDU (1 Compliance); IQPF: 1 PDU (1 SC)
CFP® Professionals: 1 credit (Professional Responsibility)
General Credits: 1 credit in BC, AB, SK, MB, ON
Institute Credits: 1
CECAP: 1 (Compliance)

Egalement disponible en français.

This course is not another lecture on what it means to be ethical. We assume you know its importance. Red Flags of Unethical Conduct forces you to examine your thinking about ethics and ethics in practice. It provides thought-provoking ethical situations in which advisors must make hard choices and suggests how ethical guidelines can help decision-making.

Interesting and engaging, Red Flags of Unethical Conduct should be your choice for ethics education.

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Price: $24.95

Retirement Income: Building Towards Answers


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(Course provided by email as file to save or print off.)

Provincial Life Credits: 12 credits in BC, AB, SK, MB, ON
CFP® Professionals: 12 credits (Financial Planning)

Everyone saving for retirement wants to know how much to save and whether it will be enough to live on. This course gives you the information you need to answer these questions and includes details on essentials such as income sources and tax. You will learn sales opportunities for insurance products including annuities and life policies.

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Price: $144.95

Retirement Planning by Life Stage


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(Course provided by email as file to save or print off.)

Provincial Life Credits: 3 credits in BC, AB, SK, MB, ON
CFP® Professionals: 3 credits (Financial Planning)

This three-credit course suggests three life stages by which you can classify your clients while planning their finances with the goal of retirement in mind:

  1. The Thinking Stage when retirement is an abstract concept and, though there are many competing financial considerations, some important groundwork can be laid;
  2. The Anticipating Stage when retirement is real and looming in the not-so-distant future;
  3. The Experiencing Stage when retirement has arrived.

Each stage has considerations around asset creation and protection, life insurance needs, and pension planning.

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Price: $39.95

RIGHT Answers: Fast, Accurate Answers to Client Retirement Questions


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(Course provided by email as file to save or print off.)

Provincial Life Credits: 7 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 7 credits in BC, AB, SK, MB, ON
CFP® Professionals: 7 credits (Financial Planning)

260 questions and answers! Here is a course that provides valuable information about issues relating to retirement income presented entirely in a question-and-answer format. This makes reading easy — you’ll learn all you need to know — and you get the ongoing benefit of a resource you can use every day in client meetings and conferences.

RIGHT Answers is written in a very clear, easy-to-read style to help you become the reliable source of retirement income facts for clients and prospects hungry for answers. It is a remarkable course for its clear approach to a subject that is too often made unnecessarily complicated.

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Price: $74.95

Sound Business Practices for Life Agents to Stay Compliant (print version)


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(Course provided by email as file to save or print off.)

Author: J-P Bernier

Provincial Life Credits: 2 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 2 credits in BC, AB, SK, MB, ON
CFP® Professionals: 2 credits (Financial Planning)

In this course, J-P reviews the fundamentals of compliance and gives practical instruction for sole practitioners or larger companies on how to implement these fundamentals. He does not take this opportunity to lecture on wrongdoings and their consequences, but rather encourages the agent/advisor to follow practices that are going to be good for business! The agent/advisor gets both the benefit of “why-to” and “how-to” in logical, easy-to-follow instructions and advice.

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Price: $29.95

Start the Responsible Investing (RI) Conversation


(Course provided by email as file to save or print off.)

Provincial Life Credits: 1 credit in BC, AB, SK, MB
CFP® Professionals: 1 credit (Financial Planning)

In a recent study, 92% of 1,100 Canadian investors surveyed said that it is important to choose investment products that are consistent with their values. In addition, 75% want their advisors to be aware ESG (environmental, or social, or governance) risks — and manage them accordingly.

Many of those investors want their advisors to initiate a conversation about including RI in their retirement and investment portfolios. But in spite of these numbers, only 10% of advisors bring up the topic. Now, you can start the RI conversation with confidence — this course shows you how.

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Price: $19.95

Taking Care of Business: Insurance Needs of Business Owners


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(Course provided by email as file to save or print off.)

Provincial Life Credits: 10 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 10 credits in BC, AB, SK, MB, ON
CFP® Professionals: 10 credits (Financial Planning)
RIBO Credits: 5 (Management)

In the words of Canadian music greats Bachman-Turner Overdrive, it is time to be “taking care of business”. Why look to business to boost your business? Easy: It is a huge market, there’s lots of product potential, and it’s a way to specialize your services.

If you sell life and disability policies now, you can add your entire local business market to your prospect list. Business owners need life and disability insurance to fund buy-outs and personal needs. You’ll learn how to protect their personal and corporate interests by appropriate insurance coverage. Plus, you’ll learn the top tips for an exit strategy and a Shareholder Agreement Checklist, provided by a leading Canadian business lawyer.

This is a great course that simplifies a complex subject.

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Price: $124.95

Taking Care of Business: Insurance Needs of Business Owners – Overview Edition


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(Course provided by email as file to save or print off.)

Provincial Life Credits: 5 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 5 credits in BC, AB, SK, MB, ON
CFP® Professionals: 5 credits (Financial Planning)

Look to business to boost your business! It is a huge market, there’s lots of product potential, and it’s a way to specialize your services.

If you sell life and disability policies now, you can add your entire local business market to your prospect list. Business owners need life and disability insurance to fund buy-outs and personal needs. You’ll learn how to protect their personal and corporate interests by appropriate insurance coverage. Plus, you’ll learn the top tips for an exit strategy.

This is a condensed version of the 10-credit course by the same name. Just like the 10-credit course you will learn about life and disability insurance to fund buy-outs and personal needs, and how to protect personal and corporate interests by appropriate insurance coverage.

This course will build your expertise and confidence in order to excel at the business insurance market.

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Price: $64.95

Travel Medical Insurance: Managing Medical Risk at Home and Abroad


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(Course provided by email as file to save or print off.)

Provincial Life Credits: 5 credits in BC, SK, MB, ON
Provincial A&S Credits: 5 credits in BC, AB, SK, MB, ON
CFP® Professionals: 5 credits (Financial Planning)
General Credits: 5 credits in BC, AB, SK, MB, ON
RIBO Credits: 5 (Technical) — replaces Travel Medical Insurance 2014: A Comprehensive CE Review, will not grant additional RIBO hours if completed within 3 years of the previous 2014 course.

Many Canadians fail to manage the risk of travel and medical emergencies. This course illustrates how such risk can be managed and mitigated. It helps the seller of travel insurance policies understand options to arrive at the best solution for travellers’ needs.

With information on Super Visa, travel advisories, claims, and stability this course will give you knowledge and insight to make you stand out in the crowded travel insurance market.

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Price: $64.95