Provincial Life Credits: 3 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 3 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 3 credits (2 Financial Planning, 1 Professional Responsibility)
Institute Members: 3 credits
General Credits: 1 credit (BC, AB, SK, MB, ON)

Here are two courses to ramp up your understanding of ethics:

• Red Flags of Unethical Conduct: Case Studies Laid Open for Learning
• The Principle of Fairness: Applied Ethics for Financial Advisors

Both courses help you to re-examine your thinking about ethical principles. They suggest how ethical guidelines can help decision-making and how you can put ethics into practice.

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

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

In this package, you will receive:

• The CPP Question: When to Start the Retirement Pension
• The OAS Balancing Act: Receiving and Retaining the Pension
• Ace the Annual Review

You’ll come away from these courses with a meaningful action plan for pension recommendations. Start today!

Provincial Life Credits: 6 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 6 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 information relevant to their golden years. These courses focus on issues important to them — and, to you.

Two courses are included in this package:

• Plan for Probate
• Advising on Wills and Intestacy

Improve outcomes for your savvy seniors.

Price: $74.95 (Save $10 on the cost of ordering each course on its own.)

Provincial Life Credits: 7 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 7 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 7 credits (4 Financial Planning, 3 Practice Management)
Institute Members: 7 credits
IIROC (CECAP) Credits: 8 credits (4 Compliance, 4 Professional Development)
Quebec Credits: CSF: 7 PDUs (3 Compliance, 1 Group, 3 Insurance of Persons)

You’ve already made a wise decision when you substitute this online package for seminar attendance. You’re going to save time and money, and you choose the time for CE that is convenient for you. This package combines two courses to provide the equivalent to one full day of seminar CE credits.

You receive:

• Insurance for Business Owners
• Cyber Security: Protecting Client Privacy in Your Practice

You will come away from this online alternative to seminar attendance with actionable ideas and insights. Plus, you’ll have the courses downloaded for future reference.

See our other Seminar Alternative bundles for other 7-credit options.

Provincial Life Credits: 7 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 7 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 7 credits (Financial Planning)
Institute Members: 7 credits (including Ethics)

Provincial Life Credits: 7 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 7 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 7 credits (Financial Planning)
Institute Members: 7 credits
IIROC (CECAP) Credits: 4 credits (Professional Development)
Quebec Credits: CSF: 5 PDUs (1 Group, 4 Insurance of Persons)

In less time than it takes to travel to a seminar, sit in attendance for seven hours, and drive home or to your office, you can complete these courses — not only when it is convenient for you but with no traffic worries, the hassle of parking, or hours when you are “unavailable” to respond to client calls.

In this package, you will receive:

• Equal to a morning session: Sound Business Practices for Life Agents — a wide-ranging discussion piece on the practices that make you a better agent;
• Equal to an afternoon session: Insurance Needs of Older Folks, a course that reinforces the uses for insurance for older adults going into or living in retirement.

Together, these courses give you value in advice and learning. Value your time? Value this CE opportunity!

Price: $89.90 (Save $10 on the cost of ordering each course on its own.) 

Provincial Life Credits: 8 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 8 credits (Financial Planning)
Institute Members: 2 credits

Tax can be planned for, accommodated, reduced, and deferred. Instead of seeing tax as a dreaded inevitable, get proactive and make the positive changes for your clients that can give them the best tax outcome.

This two-course tax-focussed package includes:

• Be the Better RRSP/TFSA Advisor
• The OAS Balancing Act: Receiving and Retaining the Pension

These courses set you apart from your competition with practical knowledge that’s easy to read and easy to implement. You’ll find learning about tax doesn’t have to be taxing!

AIC Life Credits: 10 credits
AIC A&S Credits: 10 credits
CFP® Certificant: 10 credits (Financial Planning)
Institute: 5 credits
IIROC (CECAP): 4 credits (PD)

New courses in this package for the AIC CE cycle ending 06/21.

2020 was a rough year for many. Clients may be unhappy for one or more reasons, and you may be on the receiving end of their stress. Hone your client management skills on the essential subject of the difficult client with the Coping with the Difficult Client course in this package.

It is one of two courses you will receive. The other shows the continuing importance of insurance coverage in later life. Both courses focus on your professional obligations for clients and life insurance needs in your client base. Together, they provide a well-rounded CE solution to meet CE requirements.

• Coping with the Difficult Client
• Insurance Needs of Older Folks

Complete each course and receive an immediate regulator-approved Certificate.

Life Credits: 10 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 10 credits (Financial Planning)

Assets are property owned by a person or company, regarded as having value and available to meet debts, commitments, or legacies. Here are two courses focussed on assets and their management. Learn how assets comprise wealth and how that wealth will transition to future owners.

The courses in this package include:

• Property Matters: Property, Beneficiaries, Tax and Life Insurance
• Plan for Probate

You’ll come away with insight into estate planning considerations — and, as always with C’Life, immediate Certificates upon course completion.

Provincial Life Credits: 10 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 10 credits (Financial Planning)

Canadian life insurers paid approximately $7.7 billion in death benefits in 2019. Real estate values in some areas have skyrocketed. Meanwhile, many Canadians are feeling the pinch of debt. 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 and wealth accumulation, 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
• Bust! Managing Debt.

Whether it’s a strategy to manage sudden wealth or to pay down debt, this information is highly relevant to actual practice.

IIROC (CECAP) Credits: 10 credits (Compliance)
Provincial Life Credits: 3 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 3 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 10 credits (2 Professional Responsibility, 8 Financial Planning)
Institute Members: 3 credits
Quebec Credits: CSF: 3 PDUs (3 Compliance)

This package contains two courses that, together, satisfy your IIROC 10-credit Compliance requirement for this cycle (Cycle 8).

• Ethics and the Investment Industry
• Professional Responsibility and Seniors: Advisor Guidance for Ethical Practice

Ethics and the Investment Industry was distinguished as the first ethics course to be recognized as an ethics course in the IIROC Continuing Education Program.

You will receive links to both courses and their tests by email. Upon successfully completing each test, you can download its Certificate.

Provincial Life Credits: 10 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 10 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 10 credits (10 Financial Planning)
Institute Members: 3 credits
IIROC Credits: 4 credits (Compliance)
General Credits: 7 credits (BC, AB, SK, MB, ON)

The question facing individuals like you and organizations today is not if you will suffer a cyberattack but when. Witness the tragedy during the coronavirus pandemic of worried, innocent people being victimized by fraud and you start to get an idea of the relentless threat posed by cybercriminals.

This package combines two courses that address the criminal activity that can impact your business:

• Financial Fraud: How to Protect Yourself, Your Clients, and Your Business from Financial Fraud
• Cyber Security: Protecting Client Privacy in Your Practice

These courses are going to tell you concrete steps you can take to protect yourself and your clients and save you the aggravation, fear, and costs of being compromised.

2021 marks the final year of cycle 8 CE for IIROC members. Easily acquire Professional Development credits at a rock-bottom price in this package. These credits are all CECAP certified, plus you receive all the other credits listed.

CECAP Credits: 11 credits (Professional Development)
Provincial Life Credits: 12 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 12 credits (BC, SK, MB, ON, AB)
CFP® Certificants: 12 credits (Financial Planning)
CLU/CHS/CH.F.C/PFA: 12 credits (The Institute)

You receive:

• Insurance Needs of Business Owners: Small business owners are the engine of Canada’s economy. They need insurance to efficiently build, transition, or sell their businesses. Show them how insurance can be a cost-saving measure to fund an exit strategy for the owner, and ensure coverage is appropriate to future needs.

• Insurance Needs of Older Folks: Is insurance obsolete at retirement when working income stops? The answer is, no. Read about the many good reasons for insurance post-retirement. Reinforce the need with your clients.

• Policy Claims: A Sales and Service Opportunity: Read up on the seven pointers on how to ensure a claim will be successful. We describe many of the reasons claims are more or less than expected, how to find a missing policy, and pointers for an unhappy claimant.Receive an immediate regulator-approved Certificate upon completion of each course.

Provincial Life Credits: 12 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 12 credits (Financial Planning)
Institute Members: 5 credits

QAFP Credits: 12 credits (11 Financial Planning, 1 Professional Responsibility)
CFP® Certificants: 12 credits (11 Financial Planning, 1 Professional Responsibility)
Provincial Life Credits: 12 credits (BC, AB, SK, MB, ON)
Institute Members: 5 credits (including Ethics)
IIROC (CECAP): 4 credits (Professional Development)

When you are on task for CFP Certification and have attained your QAFP, you have an FP Canada requirement for 12 CE credits annually including 1 Professional Responsibility credit.

Here is a bundle of courses to bridge the learning gap between theory and practice. While you will receive a full slate of the credits you need, you will also find excellent oversight of practical matters combined with actionable ideas.

You will receive:

• Property Matters: Property, Beneficiaries, Tax and Life Insurance
• Insurance for Business Owners
• Ethics at Work

As always with C’Life, a regulator-approved Certificate is immediately available upon successful course completion.

Provincial A&S Credits: 15 credits (BC, AB, SK, MB, ON)
Provincial Life Credits: 15 credits (BC, SK, MB, ON); 4 credits (AB)
CFP® Certificants: 15 credits (Financial Planning)
Institute Members: 3 credits
IIROC (CECAP) Credits: 3 credits (Professional Development)

Get behind the steering wheel and drive home these A&S-focussed courses. Plus you’ll earn your Life credits with the exception of Alberta. (Alberta agents are advised to acquire additional life credits from any of the other courses in our catalogue.)

You will receive:

• Travel Medical Insurance
• Disability: Creating a Plan for Future Needs
• Policy Claims: A Sales and Service Opportunity

This course combo teaches useful background to help you sell more travel medical insurance, have a better understanding of disability planning, and round out your learning with the essentials of policy claims.

Alberta Life Credits: 15 credits
Alberta A&S Credits: 15 credits
CFP® Certificants: 15 credits (10 Financial Planning, 3 Practice Management, 2 Professional Responsibility)
Institute Members: 15 credits (including Ethics)
IIROC (CECAP) Credits: 9 credits (5 Compliance, 4 Professional Development)

Fast-track your AIC credits with this package. Every course gives you both classes of credit; complete them easily and quickly before your June 30 deadline.

You will receive:

• Insurance Needs of Older Folks
• Financial Planning for Life: Income Replacement
• Setting the Moral Compass: Professional Responsibility in Today’s Financial Services

This is an efficient way of completing your CE credits with the assurance of AIC accreditation and immediate AIC-approved Certificates.

BC Life Credits: 15 credits
CFP® Certificants: 15 credits (Financial Planning)
Institute Members: 15 credits

Blast through your ICBC CE life agent requirements with this package of courses. No single course is longer than 7 credit hours and, therefore, they all respect the daily credit limit set by ICBC for CE.

You’ll find you can complete these courses quickly before your May 31 deadline. More importantly, you receive a wealth of valuable tips and practical wisdom to improve your advisory skills.

You will receive:

• Be the Better RESP Advisor
• RRIF Management: Opportunities and Challenges
• Financial Planning for Life: Getting the Financial House in Order

This is an efficient way of completing your CE credits and receiving immediate regulator-approved Certificates.

Life Credits: 15 credits (BC, AB, SK, MB, ON)
A&S Credits: 15 credits (BC, SK, MB, ON); 10 credits (AB)
CFP® Certificants: 15 credits (Financial Planning)
Institute Members: 9 credits
IIROC (CECAP): 8 credits (Professional Development)

Here are some bright ideas to stimulate your thinking and business results.

Three of these courses focus on life insurance needs in your client base. The remaining course sharpens your communication skills so that you can better deliver your insurance message, whether that message is sales, recommendation, or claims focussed. Together these courses provide a well-rounded CE solution to meet annual requirements.

The courses in this package include:

• Insurance for Business Owners
• Insurance for Older Folks
• Basics of Canadian Life Insurance
• Effective Written Communications for Financial Advisors

Complete each course and receive an immediate regulator-approved Certificate.

Provincial Life Credits: 15 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 11 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 15 credits (Financial Planning)
Institute Members: 7 credits

Retirement can be a source of great joy and freedom, and it is only realistic to expect certain challenges along the way. This package of courses helps to anticipate retirement and prepare for its risks. It includes:

• Focus on Retirement Risks
• Countdown to Retirement
• Ace the Annual Review

These courses equip you to address and manage client concerns as retirement nears or during retirement. You will be better able to plan and formulate recommendations. You will be able to focus on client needs as they actually exist. This is retirement planning advice at its best.

Institute Members: 15 credits (including Ethics)
Provincial Life Credits: 15 (BC, AB, SK, MB, ON)
Provincial A&S Credits: 15 (BC, AB, SK, MB, ON)
CFP® Certificants: 15 credits (8 Financial Planning, 4 Professional Responsibility, 3 Practice Management)
IIROC (CECAP) Credits: 7 credits (Compliance)

While this package could be used by any advisor needing 15 life credits, it is designed for Advocis members because all courses are pre-approved by the Institute. Plus, you will earn your mandatory ethics credits.

Your 15 credits are received from the following courses:

• Focus on Retirement Risks
• Professional Responsibility and Seniors: Advisor Guidance for Ethical Practice
• Setting the Moral Compass: Professional Responsibility in Today’s Financial Services

Note: these courses also fulfill your provincial life licensing requirements in all provinces except Quebec, and provide 15 pre-approved credits for CFP professionals including Professional Responsibility.

This package saves you time searching for courses; you’ll complete all your credit requirements efficiently.

Provincial Life Credits: 15 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 15 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 15 credits (Financial Planning)

This package is a no-nonsense approach to enhancing product knowledge of life insurance plus developing knowledge of people management skills.

You will receive:

• Fundamentals of Canadian Life Insurance
• Manage and Resolve Conflict

You’ll build skills that will enable you to offer solid advice on life insurance, and how to ensure win-win sales negotiations.

ICM Life Credits: 15 credits
CFP® Certificants: 15 credits (Financial Planning)

Here is a package of courses for life agents in Manitoba that satisfies the CE guidelines set by ICM and are ICM-approved.

These courses address asset management from the perspective of loss prevention through AML measures with income and asset protection. Together they provide a well-rounded CE solution to meet annual requirements.

The courses in this package include:

• Taking Action on Money Laundering
• Income Replacement (one of the courses in our Financial Planning for Life series)
• Property Matters: Property, Beneficiaries, Tax and Life Insurance

Receive an immediate regulator-approved Certificate upon completion of each course.

Provincial Life Credits: 15 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 15 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 15 credits (15 Financial Planning)
Institute Members: 3 credits

Specially developed for the learning needs of the new agent but available for anyone who wants a refresher on life insurance products and the reasons the claim should be part of the sales conversation.

This high-value package includes:

• Fundamentals of Canadian Life Insurance
• Policy Claims: A Sales and Service Opportunity

This package can be used for 15 life and 15 A&S credits in every province except Quebec.
A learning opportunity for new agents? Definitely. Essential review for all agents? Absolutely.

SK Life Credits: 15 credits (incl 3 Ethics)
CFP® Certificants: 15 credits (9 Financial Planning, 3 Practice Management, 3 Professional Responsibility)
Institute Members: 15 credits
IIROC (CECAP) Credits: 5 credits (Compliance), 8 credits (Professional Development)

Here is a package of courses for life agents and advisors in Saskatchewan that satisfies the CE guidelines set by ICS.

These courses address both product knowledge and studies on ethics to provide a well-rounded CE solution to meet annual requirements.

The courses in this package include:

• Insurance Needs of Older Folks
• Income Replacement (one of the courses in our Financial Planning for Life series)
• Setting the Moral Compass: Professional Responsibility for Financial Advisors
• Ethics at Work: Professional Challenges, Responsible Results

Receive an immediate regulator-approved Certificate upon completion of each course.

Estate planning ensures inheritors receive their “due.” It is an exercise in futility if a valid will does not exist.  These courses illustrate the necessity of probate planning and creating a will to positively impact estate beneficiaries. This information advances your ability to plan an estate with inheritors in mind.

Provincial Life Credits: 16 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 16 (Financial Planning)

In this package, you will receive:

• Advising on Wills and Intestacy: A valid, current, and correct will is fundamental to estate planning.  Help clients learn the costs of not having a will. Show them how the will works to their advantage and assures their estate plans for beneficiaries will be fulfilled.

• Assets: Their Transition and Taxation: Some clients have assets with enough value that both probate and income tax must be considered 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 savings are retained and passed along according to plan.

• Estate Planning for Retirees: This course 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 for their needs.

• Plan for Probate: Probate fees can diminish the value of an estate. By planning ahead, you can help clients save potentially significant probate costs. Find the appropriate strategies in this course. Improve outcomes for your savvy seniors.

CPD Credits for CPAs: 20 Hours
CFP® Certificants: 20 credits (including Professional Responsibility)
Institute Members: 20 credits
IIROC (CECAP) Credits: 6 credits (Compliance); 4 credits (Professional Development)
Life Insurance: 20 Life credits (BC, AB, SK, MB, ON)

CPAs are required to complete 20 CPD hours each year and 120 CPD hours in three years. Now, you can have 20 CPD credits quickly delivered in this package of courses specially selected for Canadian-licensed CPAs.

Courses are oriented towards financial planning issues and solutions for retirement and senior clients. They provide background and context for challenges facing individuals and practitioners. Each course has been submitted for approval to either FP Canada, the Institute, and/or CECAP for IIROC Registrants. Each course has been accredited by at least one of these organizations; this attests to the suitability of courses for CPA CPD purposes in all Canadian jurisdictions.

The courses in this package include:

• Cyber Security: Protecting Client Privacy in Your Practice (3 hours)
• Elder Abuse and the Financial Exploitation of Seniors (3 hours)
• Getting the Financial House in Order (7 hours)
• Insurance for Business Owners (4 hours)
• Professional Responsibility and Seniors (3 hours) 

This is an efficient way of completing CPD: online access means you can complete courses anytime, anywhere — without the time and expense of seminar attendance.

20 Credit Package: PFP^®  Powerhouse
PFP^® Professionals: 20 credits
Provincial Life Credits: 20 (BC, AB, SK, MB, ON)
Provincial A&S Credits: 20 (BC, SK, MB, ON); 15 (AB)
CFP® Certificants: 20 credits (15 Financial Planning, 3 Practice Management, 2 Professional Responsibility)
Institute Members: 20 credits
IIROC (CECAP) Credits: 5 credits (Compliance), 10 credits (Professional Development)

Power through your PFP^® CE requirement with these core courses designed to enhance education, competence, and professionalism.

How so? Here are courses that cover ethical issues pertaining to client relationships, insight into the financial planning needs of business owners, and the issues of RRIF management.  Together this is a well-rounded CE solution to meet requirements of the PFP^® professional.

The courses in this package include:

• Setting the Moral Compass: Professional Responsibility for Financial Advisors
• Taking Care of Business, Insurance Needs of Business Owners
• RRIF Management: Opportunities and Challenges

Receive an immediate regulator-approved Certificate upon completion of each course.

Provincial Life Credits: 25 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 25 credits (BC, SK, MB, ON; AB: 5.5)
CFP® Certificants: 25 credits (Financial Planning)
Institute Members: 25 credits

The Financial Planning for Life series of courses addresses the financial planning needs of those who are not yet strictly focussed on retirement. Their concerns are many: how to save, how to protect their family from loss of income, how to invest, and how to organize their financial affairs.

This package is a collection of all four courses in the series.

The courses include:

• Getting the Financial House in Order
• Income Replacement
• Investing Products and Strategies
• Savings and Debt

You’re going to receive a financial education on issues relevant to working folks who have worries about themselves and their families. And, you’re going to receive insight into how to serve these people to better their future.

Receive an immediate regulator-approved Certificate upon completion of each course.

New tranche of courses for 2021 focussed on your business success!

Ontario (FSRA/FSCO) Life Credits: 30 credits
CFP® Certificants: 30 credits (28 Financial Planning, 2 Professional Responsibility)
CLU/CHS/CH.F.C/PFA: 12 credits (including Ethics) (The Institute)
IIROC (CECAP) Credits: 6 credits (Compliance)

The continuing education (CE) requirement for life agents regulated by the Financial Services Regulatory Authority (FSRA), previously the Financial Services Commission of Ontario (FSCO), requires 30 hours of CE every two years.

CE courses are not approved, recommended, or endorsed by FSRA/FSCO. However, the Alberta Insurance Council (AIC) accredits courses for life agents. The courses in this package have all met with the approval of AIC for life agents.

The FSRA (FSCO) package has been updated to include:

• Assets: Their Transition and Taxation: Both probate and income tax must be considered when personal assets are distributed after death. No one wants their hard-earned savings going to tax unnecessarily. This course will illustrate how to retain savings for inheritors. Key information both for planning an estate and planning finances.

• Be the Better RRSP/TFSA Advisor: Which is better: an RRSP or a TFSA? You’ll be able to respond to that question knowledgably and with confidence after you read this course. You will understand the pros and cons of each form of account and how each one can serve the needs of your customer.

• Countdown to Retirement: This is a financial game plan for the five years before retirement. You will come away with an idea of what must be accomplished in that total time, and an actual plan of what is needed each year.

• Cyber Security: Protecting Client Privacy in Your Practice: Cyber incidents are increasing as a result of hacker attacks, technical failures, sloppy practices, and employee error. The threats from a cyberattack are largely underestimated. This course will make those threats clear and what to do to reduce or eliminate them.

• Financial Planning for Life: Investing Products and Strategies: Product details in this course are based on the six-question test for investing developed by the OSC. Each question is applied to a number of common investments. The result of this analysis is a consistent picture of investments, which makes for easy points of comparison between them.

• Professional Responsibility and Seniors: Advisor Guidance for Ethical Practice: Professional Responsibility and Seniors focusses 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.

This is a smart and efficient way of completing your CE credits — and receiving immediate regulator-approved Certificates.

100% CECAP-approved courses! Our merged accreditation program gives you:

IIROC (CECAP) Credits: 10 credits (Compliance); 20 credits (Professional Development)
Provincial Life Credits: 29 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 27 credits (25 Financial Planning, 2 Professional Responsibility)
CLU/CHS/CH.F.C/PFA: 27 credits (2 Ethics) (The Institute)

This package of CECAP-approved courses includes:

Coping with the Difficult Client:

• Understand the causes behind unreasonable, demanding and unpredictable client behaviour;
• Find out how to deliver bad news, and the sad consequences of disappointment;
• Prevent unpleasant interactions and reduce your stress level.

Ethics and the Investment Industry:

• Examine conflicts in the industry around money management for other and personal gain;
• Learn about the ethics of money as a product and the ethics of information;
• Explore how to meet ethics objective and requirements.

Financial Planning Mistakes of Clients:

• Learn how common mistakes are made and remedied;
• Insight provided into eight mistakes of clients;
• Provides a consistent approach to improve client outcomes.

Insurance Needs of Older Folks:

• Increase your understanding of the insurance needs of retired clients such as pension replacement and estate planning;
• Grasp concepts that will help you reinforce the need for insurance with your clients.

Insurance for Business Owners:

• Gain the knowledge you need in order to 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.

Professional Responsibility and Seniors: Advisor Guidance for Ethical Practice:

• Review ethics standards when working with senior clients;
• Read thought-provoking case studies centred on seniors;
• Draw upon FP Canada Principles and Rules to provide guidance for your responsibilities.

Taking Care of Business: Insurance Needs for Business Owners:

• Learn how to protect the personal and corporate interests of business owners with appropriate insurance coverage;
• Build your expertise and confidence in order to excel in the business insurance market;
• Get top tips for an exit strategy.

Provincial Life Credits: 1 credit (BC, AB, SK, MB)
Provincial A&S Credits: 1 credit (BC, AB, SK, MB, ON)
CFP® Certificants: 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. You’ll learn how to prepare, some good questions to ask, disclosure for recommendations, and what to do when a situation becomes difficult.

This information forms a basis for your advisory practice.

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

A will is an important and powerful document that many Canadians wrongfully avoid. You need to help your clients learn the costs of not having a will and the very negative results of such a decision. Learn how easily the potential heartbreak, surprises, and financial devastation can be avoided.

This course also describes common mistakes made in will preparation and provides a highly useful Asset Inventory form and a Beneficiary Endowment form to use with clients. Use them to determine the value of the estate and whether beneficiaries will inherit as planned. Here is practical, everyday information that is at the very basis of financial planning.

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

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 both planning an estate and planning finances. You’ll learn-

• Asset ownership and how it affects transition;
• The assets that comprise an estate or form part of the net worth calculation;
• Whether the assets transition to another at death and, if so, how that transition occurs;
• Tax liability that arises from asset transition — this includes both probate (or estate administration) tax and income tax;
• How to reduce tax liability to effectively increase net worth and estate value.

This course covers these points and provides great ideas for solutions to minimize probate and tax.

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

The Registered Education Savings Plan (RESP) is nothing less than brilliant: it’s free government money to help ensure a better future for children. What’s not to like?

So, why do so many university students head off to school without the benefit of an RESP? Why are parents, grandparents, and students all taking on debt that could have been partly or entirely eliminated by an RESP? Do you ever hear any of these objections?:

• We don’t understand the reasons for the plan.
• We don’t feel a responsibility for our child’s university costs.
• We don’t know how to invest the money.
• We don’t understand how our child receives the money.
• We don’t know how to obtain the government grant.
• We don’t have the money.
• We don’t know whether to use a scholarship RESP.

This course will give you the answers to these objections, and others too. It clearly lays out the types of plans, investment considerations, and how to take advantage of compounding within an account.

This is easy course reading that is going to spark your motivation to promote this must-have financial product! Get started now!

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

In 2018, Canadian life insurers paid out approximately $7.2 billion 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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Provincial Life Credits: 7 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 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 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 as wealth is transferred in enormous sums from one generation to the next.

(Also available in the 10-credit Boom and Bust course bundle and as a 15-credit version of this course.)

Provincial Life Credits: 5 credits in (BC, AB, SK, MB, ON)
Provincial A&S Credits: 5 credits in (BC, SK, MB, ON)
CFP® Certificant: 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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Provincial Life Credits: 3 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 3 credits (Financial Planning)

We wish the news was better, but it isn’t: Consumer debt levels in Canada continue to set new records. The overall ratio of debt to after-tax family income is high. Consumer insolvencies have been increasing in Canada, especially in Alberta, Ontario, and Newfoundland and Labrador — and that was before 2020.

This course has some answers about how debt happens and how to crawl out from under its burden. You can gain insight into: who goes into debt, how people go into debt, and what they can do about it. We share ideas you can use to advise your clients on controlling and eliminating debt, and useful details about debt management and consolidation. After completing this course, you can encourage clients to find ways and means to eliminate or reduce debt.

Do you have some clients who could benefit from your insights?

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

Provincial Life Credits: 1 credit in (BC, AB, SK, MB, ON)
Provincial A&S Credits: 1 credit in (BC, SK, MB, ON)
CFP® Certificant: 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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Provincial Life Credits: 5 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 5 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 5 credits (Financial Planning)
Institute Members: 5 credits
IIROC (CECAP): 3.5 credits (Professional Development)
Quebec Credits: CSF: 3 PDUs (3 Compliance)
RIBO: 4 credits (Personal Skills)

You know what we’re talking about when we’re talking about the difficult client. It’s the one who is unpleasant, unreasonable, demanding, contentious, and/or unpredictable. You ask yourself: How did I deserve this? What should I do? Or, should I continue?

This course analyzes the root causes of client crankiness and suggests essential management skills that can be used to control difficult behaviour. You are going to learn:

• how to deliver bad news;
• how to cope with unrealistic expectations;
• ways to avoid complaints;
• anger management skills;
• when it is time to cut bait and the right way to do it.

There are many, many behavioural management ideas in this course! You’ll find it valuable for both coping with those who are difficult and learning how to prevent unpleasant interactions from ever developing.

Your level of stress can be significantly lessened with the perspective this course delivers. It’s a winner in your stable of people management skills.

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

The Canadian ETF industry AUM rose to yet another record as of August 31, 2017:  $133.9 billion, up $3.3 billion from the previous month. Can seg funds compete with ETFs? The answer to this question is: yes. Are you up to speed when it comes to comparing ETFs with other fund investments?  The answer to this question is: you will be when you have compared and contrasted product similarities and differences in this easy-to-read course.

Accurately describe to your clients the advantages and disadvantages of each fund with information that is 100% Canadian. Help your clients reach an informed decision.

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

Debt is a persistent problem for Canadians. How does your client’s debt affect you?

• Product sales may be reduced or eliminated because the client can’t afford what you offer;
• Policy cancellations and lapsation may increase, again due to affordability;
• The client avoids you because he or she is embarrassed or ashamed by the personal debt situation;
• Savings could be reduced or eliminated which means little or no opportunity for you to introduce savings accounts or recommend investment products;
• Debt and a lack of savings makes retirement planning and estate planning futile exercises;
• Without debt solutions, you may lose clients now and for the future.

You can offer solutions for debt when you complete this course. It takes you through causes of debt from the everyday, like mortgages and credit cards, to the specialized, like leverage and margin accounts. You’ll learn methods to find cash to pay down debt.

Find the ways and means to serve client best interests. These techniques and ideas show how everyone can come out a winner.

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

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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Provincial Life Credits: 1 credit (BC, AB, SK, MB, ON)
Provincial A&S Credits: 1 credit (BC, AB, SK, MB, ON)
CFP® Certificants: 1 credit (Practice Management)
General Credits: 1 credit (BC, AB, SK, MB, ON)

Do you find you spend too much time writing, editing, and rewriting? Do you find it difficult to write concisely and clearly? Do you become frustrated when you send clients instructions that they do not follow? Do you waste time trying to “find the right words”? If any of these situations apply to you, help has arrived!

Effective Written Communications for Financial Advisors shows you tips to make your writing meaningful, clear, and to the point. Writing in plain language can be easily mastered, and we show you how.

Why master plain writing?

• Achieve clarity. This, in turn, enhances client understanding of your message.
• Save time. You will spend less time chasing clients who have not followed through on steps they need to take because they didn’t take the time to read what you sent or didn’t understand your instructions.
• Reduce anxiety. Writing becomes easier.

Just for fun, we have included the Worst in Class entry that illustrates the sad use of language that comprises a lot of business jargon. (Low-hanging fruit or laser-focussed sound familiar?)

If your motivation is to sell financial products and provide superior client service, this course will make your job easier thanks to its practical approach that you can quickly and easily adopt.

Provincial Life Credits: 7 credits in (BC, AB, SK, MB, ON)
Provincial A&S Credits: 5 credits in (BC, SK, AB, MB, ON)
CFP® Certificant: 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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IIROC (CECAP) Credits: 8 credits (Compliance)

This course was the first ethics course to receive CECAP Compliance credits and to be recognized as an ethics course in the IIROC Continuing Education Program.

Ethics and the Investment Industry fearlessly examines ethics questions and quandaries in light of the conflicts in the industry around money management for others and personal gain, the ethics of money as a product, the ethics of information, and how to meet ethics objectives and requirements. IIROC Rules are given their ethical dimension and you’ll read how to achieve ethical outcomes.

This course may challenge you and how you think about your role in the investment industry. If you find ethics and ethical dilemmas a stimulating subject and you want to go beyond the superficial, this will be the course for you. You may not agree with all you read, but you will be encouraged to find how ethical choices are your only choice.

Provincial Life Credits: 7 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 7 credits (Financial Planning)
Institute Members: 7 credits

This course was formulated on the belief that your younger clients and prospects need to understand some of the foundational concepts of having their financial house in order, such as: when is a will needed, how to name a beneficiary, and how to avoid being victimized by cyber crime. But. It isn’t just younger people who have these unanswered questions — it is people across the age spectrum. It can be surprising how some of the most fundamental information is overlooked or misunderstood.

Spend your time learning information you can share across the board. Establishing this knowledge will ensure small steps are started in the process of financial planning and, ultimately, estate plans are properly devised and funded. Plus, you can offer ideas to protect against financial loss: surely a subject that finds traction amongst people of all ages.

Provincial Life Credits: 5 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 5 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 5 credits (Financial
Planning)
Institute Members: 5 credits (including 1 Ethics credit)

Life and disability insurance are the products but income protection is the benefit. Income protection is the fundamental reason for life insurance while still working and for disability insurance. It is an idea that is very basic: money provided to surviving family or to support a family.

This course is going to give you the income protection focus you can use with all those clients who have not crossed the threshold into thinking about retirement; they are thinking of the here-and-now.

You will be doing a product review in this course including reviewing options for self-insuring and the emergency fund. Then, you’ll be learning the other side of the equation for successful sales: knowing the client, ensuring suitability, and how to apply standards of conduct.

This course delivers content and context. You can count on it to develop your critical thinking on the subject of financial planning for life.

Provincial Life Credits: 6 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 6 credits (Financial Planning)
Institute Members: 6 credits (1 Ethics)

Whether the markets are up or down and regardless of the investment “flavour du jour,” there are certain investing fundamentals that contribute to wealth accumulation. Who needs to know these products and strategies? How about everyone?

Product details in this course are based on the six-question test-for-investing developed by the OSC:

1. How will this investment make money?
2. What must happen for the investment to go up in value?
3. What are the total fees to buy, hold and sell the investment?
4. What are the specific risks associated with this investment?
5. How easy would it be to sell the investment if you needed your money right away?
6. Is this investment suitable for your goals and risk tolerance?

Each of these questions is applied to a number of common investments.  The result of this analysis is a consistent picture of investments, which makes for easy points of comparison between them. Sharing this knowledge with clients equalizes the information symmetry between you and helps to make their expectations reasonable.

In addition to this innovative review of products, you’ll also receive oversight on key investing strategies. This information is also presented consistently and concisely with a view to practical applications.

Find investing ideas with lifelong significance in this course.

Provincial Life Credits: 7 credits in (BC, AB, SK, MB, ON)
CFP® Certificants: 7 credits (FP)
Institute Members: 7 credits

We wrote this course prior to the events of 2020 that have seen significant financial hardship for many Canadians. It’s too late to look back and say, we should have saved more because no one knew the economic potency of pandemic.

Now is a time to look ahead and, at the right time, suggest how debt can be managed on the one hand and, subsequently — on the other hand — how essential it is to have savings to fall back on. The actionable ideas you’ll find in this course are:

• How to identify the money personalities of spouses which affects attitudes towards savings and spending;
• How to set savings goals;
• How to reduce and eliminate debt;
• How to rebuild a FICO score;
• How to save to achieve objectives.

You will be reminded of the many tried-and-true approaches that will lead to wealth accumulation. You can leverage your learning to formulate a roadmap that sees objectives achieved and anxieties about finances relieved.

CFP® Certificants: 3 credits (2 Professional Responsibility, 1 Financial Planning)
Provincial Life Credits: 3 credits (BC, AB, SK, MB, ON)
CLU^®/CHS/CH.F.C/PFA: 3 credits (The Institute, includes 1 Ethics)

CFP Certificants now need two Professional Responsibility credits!

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

Even though you might have worked in the life insurance sales and service business for years and think you have heard it all, you simply cannot remember all the fine details at all times. That’s where this course comes in.

This course is a review of over 160 policy types, policy lingo, restrictions, benefits, and associated products that impact upon insurance. It may be a review, but also delivers knowledge of more advanced topics and new products, such as the Pooled Registered Pension Plan, in which additional details are always helpful to have on hand.

This very comprehensive course provides superb reference value on its subjects without the complexity or bias that may be introduced in information you receive from product manufacturers.

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

Many, many thousands of Canadians have mortgages, big and small. They all need to make their mortgage payments to secure their investment. If you’re looking for a fast way to grow your business, this is it: providing mortgage coverage via life, disability, and critical illness insurance gives you a unique set of reasons to find prospects and to deliver exceptional service to existing clients, while saving them money now and in the future. Personal policies are more flexible than mortgage insurance, provide certainty of coverage, and can cover a wide range of individuals and circumstances.

In this course, you will learn points of comparison between personal policies and mortgage insurance to fully understand the strength of your offer. The benefits of price, customization, better coverage, and future advantages can be easily communicated to your market. Discover how addressing this one need can lead to personal opportunities and business growth.

Provincial Life Credits: 7 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 7 credits (BC, AB, SK, MB, ON)
Provincial General Credits: 7 credits (AIC)
CFP® Certificants: 7 credits (verifiable)

Step up your business success with this superb course that, in ten easy-to-manage lessons, provides you with direction on achieving professionalism in your practice while you serve clients’ needs.

On completion, you will:

• 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 basic practices that are simple good business.

Ideas and theories are buttressed by lots of hands-on practical client information, including how-tos, why-tos, and when-tos. Good Business: Lessons for Success is a rare course that delivers guidance, insights, and solutions that you can easily implement to benefit you and your clients.

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

This is the course you need right now. Find out how Covid-19 affects underwriting, application and policy denial, claims, and your communication strategy with your client. Also includes information on virtual meetings and electronic signatures: the new way of doing business.

This course puts Covid-19— its perceived threats and realities — into place for the agent who may be facing an uphill sales battle. It shows you what you can be doing, and how to get it done.

This is three credits of pure gold information—and ideas to help you succeed in trying times. Do you need this course? If you are living in a pandemic world, you do.

Provincial Life Credits: 3 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 3 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 3 credits (1.5 Financial Planning + 1.5 Practice Management)
Institute Members: 3 credits
General Credits: 3 credits (BC, AB, SK, MB, ON)
Adjuster: 3 credits (AB)

Virtual meetings open up many opportunities for you to excel at client relationships. Throw the old model for meetings out the window and adopt a new, energized style that we outline that can save you time and maximize your efficiency.

But, virtual meetings need to be done right. You must understand their etiquette and execution: who should join a meeting first? Last? Where should you sit? Where should the camera be? How do you get clients to participate? How do you get clients to say, yes!

You’ll learn all these how-tos and many more in this course. Plus, you’ll read about using e-signatures and red flags for their misuse.

Times have changed. Adopt the technology to grow your business, improve client relationships, and stay on top of new protocols.

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

How many investors were wishing they had guarantees on their invested principal in the spring of 2020? How many of those same investors have ever heard of segregated funds? The lessons of 2020 will not be quickly forgotten; what better way to implement a stop-loss on a fund investment than by using seg funds?

This course can help you to become a convert to the seg fund cause. There are many benefits to segregated fund investing: show the advantages of guarantees, resets, beneficiary designations, and probate bypass. There is enormous market potential in the increasing senior population. 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.

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

Beauty or beast? How you respond to conflict can establish your reputation as one or the other.

Conflict is impossible to avoid but it can be managed. Further, it’s been shown that if you want to be a star performer, you learn to manage conflict. This Course shows you how.

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?
• Why avoidance is ineffective;
• How to get to the bottom of a problem before it becomes a deal-breaker;
• The importance of win-win negotiation.

This is a great little course with tips that you can and will use to build better relationships and reduce stress.

Provincial Life Credits: 3 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 3 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 3 credits (Financial Planning)
Institute Members: 3 credits
IIROC (CECAP) Credits: 3 credits (Professional Development)

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.

Provincial Life Credits: 2 credits (BC, AB, SK, MB, ON)
Provincial Ethics Credits: 2 credits (SK)
Provincial A&S Credits: 2 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 2 credits (Financial Planning)
Institute Members: 2 credits including 1 Ethics

Recognizing unfairness in words or deeds is common, and no doubt, you have heard or been on the receiving end of someone declaring, “well, that’s not fair.” Fairness is a value that we hold dear to heart.

When you are being fair, you are being ethical. Learn about how fairness as a value is defined, and how it influences financial advice. Read the nine rules about how to be a fair person, and how to make fairness a practice. Lots of short case studies are included that reinforce fairness in action.

Here’s a way to bring fairness to the table in your client dealings and relationships.

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

This course answers the question of “what is going to happen to my assets when I die?” We look at RRSPs, RRIFs, TFSAs, RESPs, mutual funds, the principal and secondary residence, pensions, shares of a small business, and even a collection of stamps. Tax on death for each asset is reviewed and the use of life insurance for value transfer is explored.

You will be able to show your clients how much life insurance they need to fulfill their estate planning goals and how to keep insurance needs in line with increasing tax obligations.

You will also learn the mistakes made in naming beneficiaries, changes to the principal residence exemption, and how to use segregated funds for estate planning.

Property Matters is in-depth information on a subject that touches everyone. It will be a valuable resource in your practice in years to come.

Seminar plus Handouts

Offer a seminar in your community to build business and increase your profile. Take advantage of a ready-made set of powerpoint slides with handouts with this course add-on.

You get:

• The course with its CE credits.
• A PowerPoint presentation with 62 slides of content to run a seminar. You can delete slides or change the notes: it’s up to you to own this and make it yours!
• Four Newsletters in pdf format for clients focusing on ownership issues: use them in your seminar, send them by email, or use them in client meetings. Don’t miss the space at the bottom where you can write in a personal message or your signature!
• The Asset Inventory Record and Beneficiary Record as a pdf file to hand out in your seminar or in client meetings. This collateral material is copyright-free so you can personalize it to suit you!

All this (the course and the client materials) is available at an introductory price of $99.95. The course and its test will be sent immediately by email. The collateral materials will be sent in a separate email within 72 hours of your order. Watch for both, and check your spam or junk folder if you do not receive both emails.

Price: $99.95

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

Every person who is digging in and saving for retirement wants to know how much to save and whether it will be enough to live on. This course gives you in-depth 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.

This is comprehensive information for the advisor who is serious about retirement income planning and strategies.

Provincial Life Credits: 3 credits in (BC, AB, SK, MB, ON)
CFP® Certificant: 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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Provincial Life Credits: 7 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 1 credit (AB)
CFP® Certificants: 7 credits (Financial Planning)

Ask a retirement question; receive the answer! Here is a course that provides valuable and impartial Canadian information about issues relating to retirement presented entirely in a question-and-answer format. Superbly organized, you can find what you want or need to know quickly. Reading is easy and you get the ongoing benefit of a resource you can refer to again and again.

RIGHT Answers is written in a way to make 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.

Provincial Life Credits: 5 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 5 credits (Financial Planning)
Institute Members: 5 credits

It is reported that about 80% of RRSP account owners choose a RRIF as their maturity option. Making the right decisions for a RRIF can have make-or-break consequences for retirement. Learn how you can best manage this prodigious responsibility with information on RRIF rules, risk considerations, and investment fund choices. Consider the phases in the “life” of the RRIF from its initial rollover to its depletion and termination.

This course teaches you how to become a competent manager of RRIFs and provide the best retirement income for your RRIF account owners. Even though account withdrawal requirements changed in 2020, many RRIF fundamentals continue. You will count on this resource today and in years’ ahead to answer RRIF questions and give guidance on this essential financial product. Not to be missed.

Provincial Life Credits: 5 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 5 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 5 credits (2 Professional Responsibility, 3 Practice
Management)
Institute Members: 5 credits (including 2 Ethics)
IIROC (CECAP): 5 credits (Compliance)
Quebec Credits: CSF: 5 Compliance

CFP Certificants need two Professional Responsibility credits as of 2020!

Here is your game plan to achieve the highest standards of professional responsibility.

The content of this course is organized around:

• Knowing the standards of conduct that apply to your job.
• Knowing your client.
• Practicing suitability.
• Disclosing relevant information.
• Refraining from conflict of interest.

Granted, these subjects are not new to you.  Each is an objective to meet. This course  digs deeper into these objectives. You will learn how to transition objectives into practice. Some short case studies illustrate concepts and help to complete knowledge and understanding.

Reading this course for continuing education credits is one step. Making ongoing reference to the content when confronted with difficult decisions is going to show you a way forward.

Provincial Life Credits: 3 credits (BC, SK, MB, ON; AB)
Provincial A&S Credits: 3 credits (BC, SK, MB, ON; AB)
General Credits: 3 credits (AB)
RIBO: 3 credits (Technical)

In 2021 FINTRAC is updating its record keeping, client identification, and beneficial ownership guidance. This course covers your new requirements as well as reviewing ongoing guidance.

Cover the five Ws specified by FINTRAC:

• Who to identify and how to satisfy identification requirements;
• What circumstances lead to reporting obligations;
• Where and how offences arise;
• When and how to report;
• Why preventing money laundering and terrorist financing is in the best interest of all Canadians.

The intelligence you provide can make a difference in the criminal activities represented by money laundering and terrorist financing. This course shows how to be part of the solution.

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

As small businesses recover from the setbacks of 2020 their owners may be more aware of their personal and business vulnerabilities. It may be time to begin a conversation that can address their fears.

Further, some businesses are more or less unaffected by the pandemic, and a few others are in a position of business growth. Their owners have had a reality check and they may better recognize their need for 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. It will build your expertise and confidence in order to excel at the business insurance market when that market is ready for you.

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

Canadians are active travellers: about 66% had passports as of 2016; in the US, that number is about 42%. Maybe it is our wish to leave some of the winter behind and head to warmer climes, maybe it is natural curiosity about foreign places, maybe it is the need to visit family abroad, or maybe it is a combination of many factors, but for whatever reason, a lot of Canadians travel. Unfortunately, there are far too many that fail to manage the risk of travel and medical emergencies through acquiring appropriate travel insurance.

This course illustrates how that 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 a stand out in the travel insurance market.

Provincial Life Credit: 1 credit (BC, AB, SK, MB, ON)
Provincial A&S Credit: 1 credit (BC, AB, SK, MB, ON)
CFP® Certificants: 1 credit  (Practice Management)
Institute Members: 1 credit
Adjuster: 1 credit (AB)
General: 1 credit (AB)

Provides key information about privacy principles and practices. You will learn about legislation, the need for privacy, and how to adopt practices for your business. Provides a review of PIPEDA legislation and other information relevant to financial service professionals.

Your take-away is a better understanding of the importance of privacy and the reasons it must be respected.