Catalogue lists Course bundles first. Individual, or single, courses are listed after the bundles. Use these pull-down menus to see the catalogue at a glance and quickly find the credits you need.
Course Bundles
Single Courses
How to Order and Access Your Courses 
COURSE BUNDLES
(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® Certificant: 2 credits (1 Financial Planning, 1 Practice Management)
Institute Credits: 2
CECAP / IIROC: 0
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:
(Two courses provided by email as files 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:1 PDU (1 Compliance); IQPF: 1 PDU (1 SC)
CFP® Certificant: 3 credits (2 Financial Planning, 1 Professional Responsibility)
General Credits: 1 credit in BC, AB, SK, MB, ON
Institute Credits: 3
This package provides three credits to satisfy requirements for ethics credits (such as in Saskatchewan). You get two courses:
(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® Certificant: 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:
Improve outcomes for your seniors with the practical knowledge from this course set!
(Five courses provided by email as files to save or print off.)
Provincial Life Credits: 5 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 3 credits in BC, AB, SK, MB, ON
General Credits: 2 credits in AB
CFP® Certificant: 5 credits (Financial Planning)
Institute Credits: 2
If you’ve got an hour to spare, we’ve got a CE course to fill that time slot.
This bundle of courses includes:
This bundle features short courses long in what they deliver! Each one is one credit: you begin and finish in an hour; you complete each course with new information and ideas without the need to make a bigger time commitment.
(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® Certificant: 5 credits (Financial Planning)
Institute Credits: 4 credits
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:
A net/net knowledge win for you and your clients.
(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
CFP® Certificant: 7 credits (Financial Planning)
You’ve already made a wise decision when you substitute this online package for seminar attendance. You’re going to save time and money; 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 for life agents, A&S agents, and CFPs.
You receive:
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.
CLIFE is an FP Canada-approved CE provider.
See our other Seminar Alternative bundles for other 7 credit options.
(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
CFP® Certificant: 7 credits (5.5 Financial Planning; 1.5 Practice Management)
Institute Credits: 3
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 FP Canada-approved CE provider.
See our other Seminar Alternative bundles for other 7 credit options.
(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® Certificant: 7 credits (Financial Planning)
This package combines A Big Issue: Your Older and Aging Clients and Their Mental Capacity and The Financial Planning Mistakes of Clients 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 FP Canada-approved CE provider.
See our other Seminar Alternative bundles for other 7 credit options.
(Two courses provided by email as file to save or print off.)
Provincial Life Credits: 8 credits in BC, AB, SK, MB, ON
CFP® Certificant: 8 credits (Financial Planning)
Institute Credits: 2
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:
These courses set you apart from your competition with practical knowledge that’s easy to read and easy to remember. You’ll find learning about tax doesn’t have to be taxing!
(Two courses provided by email as files to save or print off.)
Provincial Life Credits: 9 credits in BC, SK, MB, ON,( AB:7)
Provincial A&S Credits: 7 credits in BC, AB, SK, MB, ON
CFP® Certificant: 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.
(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: 3 credits in BC, SK, MB, ON
CFP® Certificant: 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.)
(Course provided by email as file to save or print off.)
CECAP / IIROC: 10 credits (Compliance)
This package contains two courses that, together, satisfy your IIROC 10-credit Compliance requirement for Cycle 8.
Ethics and the Investment Industry – CECAP/IIROC Cycle 8 Compliance
CECAP / IIROC: 8 credits (Compliance)
This course is the first ethics course to receive CECAP Compliance credits and to be recognized as an ethics course in the IIROC Continuing Education Program.
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® Certificant: 1 credit (Professional Responsibility) + 2 bonus Financial Planning credits
Quebec Credits: CSF: 3 PDU (3 Compliance)
Institute Credits: 3 credits
CECAP / IIROC: 2 credits Compliance
You will receive links to both courses and their tests by email. Upon successfully completing each test, you can download its Certificate. Please direct any questions about our course process to niles@clifece.ca.
You’re on your way to completing your mandatory compliance credits!
(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® Certificant: 10 credits (Financial Planning)
General Credits: 7 credits in BC, AB, SK, MB, 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.
(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
CFP® Certificant: 10 credits (Financial Planning)
General Credits: 7 credits in BC, AB, SK, MB, ON
Institute Credits: 3
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.
(Three courses provided by email as files to save or print off)
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® Certificant: 11 credits (Financial Planning)
General Credits: 5 credits in BC, AB, SK, MB, ON
This package combines Ace the Annual Review, 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.
(Two courses provided by email as files to save or print off.)
Provincial Life Credits: 12 credits in BC, AB, SK, MB, ON
CFP® Certificant: 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.
(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® Certificant: 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:
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.
(Three courses provided by email as files to save or print off.)
Provincial Life Credits: 15 credits in BC, SK, MB, ON (AB: 4 credits)
Provincial A&S Credits: 15 credits in BC, AB, SK, MB, ON
CFP® Certificant: 15 credits (13.5 Financial Planning; 1.5 Practice Management)
Institute Credits: 3
This package provides three A&S-focussed courses to deliver relevant A&S credits plus Life credits (with the exception of Alberta. Alberta agents are advised to acquire additional life credits from any of the courses in our catalogue.)
You will receive:
– Travel Medical Insurance
– Disability: Creating a Plan for Future Needs (new for 2020)
– Privacy Practices for the Financial Services
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 privacy compliance that go far beyond your typical PIPEDA overview.
(Three courses provided by email as files to save or print off.)
Alberta Life Credits: 15 credits
Alberta A&S Credits: 15 credits
CFP® Certificant: 15 credits (Financial Planning)
Institute Credits: 11 credits
Fast-track your AIC Life + A&S credits (and CFP if you need them) with this package of courses. Every course gives you both classes of credit; complete them easily and quickly before your June 30 deadline.
You will receive:
This is an efficient way of completing your CE credits with the assurance of AIC accreditation and immediate AIC-approved Certificates.
(Three courses provided by email as files to save or print off.)
BC Life Credits: 15 credits
CFP® Certificant: 15 credits (Financial Planning)
Institute Credits: 3 credits
Blast through your ICBC CE requirements (and CFP if you need them) 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:
This is an efficient way of completing your CE credits and receiving immediate regulator-approved Certificates.
(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
CFP® Certificant: 15 credits (Financial Planning)
General Credits: 5 credits in BC, AB, SK, MB, ON
Institute Credits: 5
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:
Start now on this compelling collection of information and insights that will make you the better advisor.
(Three 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: 11 credits in BC, AB, SK, MB, ON
CFP® Certificant: 15 credits (Financial Planning)
Institute Credits: 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:
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 at its best.
(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
CFP® Certificant: 15 credits (Financial Planning)
Institute Credits: 3
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.
(Three 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: 13 credits in BC, AB, SK, MB, ON
CFP® Certificant: 15 credits (14 Financial Planning; 1 Professional Responsibility)
General Credits: 1 credit in BC, AB, SK, MB, ON
Institute Credits: 1
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 Financial Planning Mistakes of Clients (2 credits), and Red Flags of Unethical Conduct: Case Studies Laid Open for Learning (one credit).
(Five courses provided by email as files to save or print off.)
Institute Members: 15 credits
Provincial Life Credits: 15 BC, AB, SK, MB, ON
Provincial A&S Credits: 11 AB
CFP® Certificant: 15 pre-approved total: 14 Financial Planning + 1 PR
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! As always with C’Life, your Certificates showing approval numbers appear immediately upon course completion.
This package is a powerhouse of practical information—information you need in your capacity as an advisor — information you can use now and in the future.
Your 15 credits are received from the following courses:
You receive a link to each course and its test. Read the course when it suits you and login for the tests.
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 the Professional Responsibility credit.
This package saves you time searching for courses; you’ll complete your credit requirements efficiently and inexpensively.
(Five courses provided by email as files to save or print off.)
Provincial Life Credits: 20 credits in BC, AB, SK, MB, ON
Provincial A&S Credit:: 1 credit in BC, AB, SK, MB, ON
CFP® Certificant: 20 credits (Financial Planning)
When you manage wealth on behalf of your clients, you assume many responsibilities. This set of courses ramps up your wealth management skills and provides highly useful information that can improve client outcomes.
Pay for four and get five courses in this investing and wealth-focussed package:
Prove your value in a crowded marketplace with the innovation and ideas you’ll learn in this impressive set of courses.
(Three 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
CFP® Certificant: 25 credits (Financial Planning)
This package delivers three courses to cover financial planning knowledge needs.
Hone your advisory skills with the practical ideas and solutions from these courses! (Each of the courses is also available individually; you can see them in the Single Courses part of the catalogue below.)
C’Life is an FP Canada-approved CE provider and has many courses approved by the Council. The following course bundle is a shortcut for ordering the annual credit requirement to renew certification. All courses are approved by FP Canada. CFP Certificants may repeat courses from one renewal cycle to the next.
These courses also provide life credits, which can be submitted to provincial regulators. All credits will display on each course Certificate.
(Courses provided by email as file to save or print off)
After Age 71: RRSP/LIRA Options and Strategies: 5 credits (Financial Planning)
At the end of the year in which an RRSP/LIRA account owner turns 71, what’s the best way to manage the carefully accumulated account value to create income and have some money to spend?
Learn about available choices, considerations, strategies, and action plans. This practical information shows the what, how, and when of “what comes next.”
Boom! Managing Sudden Wealth: Inheritance, Home Equity, Business Proceeds (and other windfalls) – Overview Edition: 7 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 a strategy for saving, investing, insurance, and gifting.
Cyber Security: Protecting Client Privacy in Your Practice: 3 credits (Financial Planning)
Cyber incidents are increasing as a result of hacker attacks, technical failures, and employee error. This course is going to tell you concrete steps you can take to protect yourself and your clients. Includes:
Do Your Best: Professional Standards, Ethical Proficiency and Principles for Conduct: 1 credit (Professional Responsibility)
This course has been fully reviewed by FP Canada and approved for its mandatory professional responsibility (PR) credit. Do Your Best identifies specific challenges that come about in practice as conflicts arise and principles are tested. Specifically, you will learn three options for dealing with conflict of interest, the ten tests to judge product information, some roadblocks to putting client interests first — and how they can be overcome.
Insurance Needs of Older Folks: 5 credits (Financial Planning)
Life insurance is frequently marketed for its use as income replacement during working years in the event of premature death. Does that mean it is obsolete at retirement when income stops? The answer is, no. There are many good reasons for life and health insurance post-retirement. Learn:
This course reinforces the uses of insurance for older adults.
Elder Abuse and the Financial Exploitation of Seniors: 3 credits (Financial Planning)
There are many blatant ways financial abuse is perpetrated on older adults, such as outright theft, and insidious ways, such as abuse of a Power of Attorney.
You are going to learn many causes of elder financial abuse and economic crime. You are given warning signs and red flags to watch for. Plus you are provided with guidance on just what you can do to help your older adult clients avoid abuse and how to get help when it’s needed.
Ethics at Work: 1 credit (Professional Responsibility)
This course has been fully reviewed by FP Canada and approved for its mandatory professional responsibility (PR) credit. Ethics at Work provides essential learning about ethics and rules of conduct for CFP® professionals.
You will learn six questions to ask yourself in regards to dealings with clients to test whether your actions stand up to the expectations for ethics. As always, the case studies round out the learning and these all-new cases will hone your critical ethical decision-making skills.
(Five courses provided by email as files to save or print off.)
FSCO Life Credits: 30 credits
CFP® Certificant: 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 for life agents. 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.
We’ve offered the FSCO Fast-track Package for several years. We have updated this package to include a different set of courses:
This is a smart and efficient way of completing your CE credits — and receiving immediate regulator-approved Certificates.
It’s a winner! This package meets the annual 25-credit CFP plus 30-credit CLU accredited and approved requirements. Each individual course also provides Life/A&S credits in all provinces (except Quebec). The package provides the ability to take one set of courses instead of two or three and to, correspondingly, save time and money.
(Courses provided by email as file to save or print off)
Insurance Needs of Older Folks: 5 FP Canada (approved) + 5 Institute (accredited)
This course delivers information relevant to your insurance sales and service. Learn the reasons for insurance post-retirement and put what you learn into practice.
Basics of Canadian Life Insurance: 3 FP Canada (approved) + 3 Institute (accredited)
Know your life products and procedures with insurance terms and requirements for disclosure.
Be a Better Advisor This Year: 5 FP Canada (approved) + 5 Institute (accredited)
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 FP Canada (approved) + 7 Institute (approved)
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 FP Canada (approved) + 3 Institute (accredited)
Here is a course loaded with practical advice for instilling privacy safeguards.
Policy Claims: A Sales and Service Opportunity: 3 FP Canada (approved) + 3 Institute (accredited)
Putting the claim top of mind may seem contrarian but doing so makes the reasons for insurance transparent and professional. For those struggling to find dollars for premium purposes, the claim can rationalize premium expense.
Professional Responsibility and Seniors: Advisor Guidance for Ethical Practice: 3 FP Canada (approved) + 3 Institute (accredited)
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.
Red Flags of Unethical Conduct: Case Studies Laid Open for Learning: 1 FP Canada (approved) + 1 Institute (accredited)
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: $329.95 (save $49.65 over the cost of ordering the individual courses!)
SINGLE COURSES
(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® Certificant: 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.
(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
CFP® Certificant: 1 credit (Practice Management)
Institute Credits: 1
General Credits: 1 credit in BC, AB, SK, MB, ON
Adjuster: 1 credit in AB
Money laundering is actively pursued by Canadian authorities working under the authority of FINTRAC and the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA). FINTRAC is aggressively auditing entities, such as you and your firm, and when they ask for an audit, participation is compulsory. Get ahead of an audit with the information in this course. Learn the basics of your compliance regime requirements, identification requirements, and the newly defined thresholds for suspicion.
This short course provides the overview and reminders you need to ensure you are on top of compliance expectations and will be ready if an auditor comes knocking
(Course provided by email as file to save or print off.)
Provincial Life Credits: 3 credits in BC, AB, SK, MB, ON
CFP® Certificant: 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.
(Course provided by email as file to save or print off.)
Provincial Life Credits: 5 credits in BC, AB, SK, MB, ON
CFP® Certificant: 5 credits (Financial Planning)
Institute Credits: 5 credits
At the end of the year in which an RRSP/LIRA account owner turns 71, a decision must be made. What’s the best way to manage the carefully accumulated account value to create income and have some money to spend? You may not be surprised to learn that many highly educated and otherwise knowledgeable people do not realize they have options other than taking their account value in cash.
Learn about available choices, considerations, strategies, and action plans. This practical information shows the what, how, and when of “what comes next.” It will help you be a better advisor.
(Course provided by email as file to save or print off.)
Provincial Life Credits: 5 credits in BC, AB, SK, MB, ON
CFP® Certificants: 5 credits (Financial Planning)
Institute Credits: 3
Quebec Credits: CSF: 3 PDU (3 in Insurance of persons)
You know there are two parts to the customer sales story:
To correspond with both of these parts of life insurance sales knowledge, this Course is divided into two parts:
When you have finished reading the entire Course, your life insurance sales ability will be ramped up in both practical matters and matters of practice.
(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® Certificant: 5 credits (Financial Planning)
General Credits: 5 credits in BC, AB, SK, MB, ON
Institute Credits: 5
Quebec Credits: CSF: 5 PDU (1 Compliance, 4 Insurance of Persons)
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.
(Course provided by email as files to save or print off.)
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?:
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!
(Course provided by email as file to save or print off.)
Provincial Life Credits: 6 credits in BC, AB, SK, MB, ON
CFP® Certificant: 6 credits (Financial Planning)
The market for RRSP and TFSA sales has lots of opportunity if you can simply explain the benefits of these accounts and answer the question: which one is best?
You’ll be able to respond to that question knowledgably and with confidence after you read this course. You will understand each form of account better, its pros and its cons, and how each one can best serve the needs of your customer.
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. Be the better RRSP/TFSA advisor, starting now.
(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® Certificant: 5 credits (Financial Planning)
General Credits: 5 credits in AB
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.
This is pure financial planning knowledge that addresses a frightening problem with information, insights, and ideas.
(Course provided by email as file to save or print off.)
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)
(Course provided by email as file to save or print off.)
Provincial Life Credits: 7 credits in BC, AB, SK, MB, ON
CFP® Certificant: 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)
(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, 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.
(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® Certificant: 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.)
(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, 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.
(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 (not valid in AB)
Provincial A&S Credits: 1 credit in BC, SK, MB, ON (not valid in AB)
CFP® Certificant: 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.
(Course provided by email as file to save or print off.)
Provincial Life Credits: 2 credits in BC, AB, SK, MB, ON
CFP® Certificant: 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.
(Course provided by email as file to save or print off.)
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.
(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® Certificant: 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.
(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
IIROC/CECAP: 4 Compliance
CFP® Certificant: 3 credits
Institute Credits: 3
Quebec Credits: CSF: 3 PDU (Compliance)
Cyber incidents are increasing as a result of hacker attacks, technical failures, and employee error. The question facing individuals like you and organizations today is not if you will suffer a cyberattack but when.
You have a requirement under the Personal Information Protection and Electronic Documents Act (known generally as PIPEDA) to protect client personal information and allow it to be disclosed only under very specific circumstances. This course is going to tell you concrete steps you can take to protect yourself and your clients.
You will receive:
This course is going to help you create an environment of cyber safety through knowledge of how you are vulnerable and what you can do in self-defense.
(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® 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.
(Course provided by email as files to save or print off.)
Provincial Life Credits: 7 credits in BC, SK, MB, ON, (AB 1 credit)
Provincial A&S Credits: 7 credits in BC, AB, SK, MB, ON
CFP® Certificant: 7 credits (Financial Planning)
In 2017, the overall disability rate was 22% of the Canadian adult population. Who are the disabled? What causes disability? How can disability be managed financially to ensure the best outcome for the disabled individual?
These are just some of the questions that are answered in this essential-reading CE course. Just think about the 2,400 people injured as pedestrians in BC each year or that one person is struck by a vehicle on Calgary’s streets every day. Consider that in one day in Toronto, four pedestrians were killed: how many more were hurt? How about the shocking number of Canadians who are injured snowmobiling every winter? Think about the bicyclists and those on motorcycles. You know these accidents happen all the time. What happens to these people?
Knowing how to help—the programs available and their benefits—is one way to help and, coincidentally, distinguish yourself in an advisory capacity. If you are ready to step up, you have almost a quarter of the population in your market-area waiting for your insight.
Includes a Don’t Trip Up checklist for your senior clients and, for every single client, the Checklist for Pedestrian Safety.
Plus! Includes Succession Planning for Families with Disabled Dependents by John Poyser, a partner with the Winnipeg Law firm Tradition Law LLP Estates and Trusts and the principal of the Wealth and Estate Law Group in Calgary. John currently serves as a member of STEP (the Society of Estate and Trust Practitioners) Worldwide Council.
Course details
pdf text file delivered to inbox (print or download): 104 pp
test (login with link provided with course): 20 A/B questions; unlimited retakes
Certificate: immediate on completion of test; 3 categories of credits
(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)
CFP® Certificant: 1 credit (Professional Responsibility)
General Credits: 1 credit in BC, AB (pending), SK, MB, ON
Institute Credits: 1
CECAP / IIROC: 0
RIBO: 1 credit (Ethics)
Being in the business of providing financial advice to clients brings many challenges. This course identifies specific challenges that come about in practice as conflicts arise and principles are tested. Do Your Best provides the mandatory professional responsibility credit required by the FPSC® for CFP® Certificant:s. However, all financial advisors can benefit from the course and its case studies.
Specifically, you will learn three options for dealing with conflict of interest, the ten tests to judge product information, some road blocks to putting client interests first — and how they can be overcome.
Do Your Best is easy to read. It provides information that you can quickly learn from and apply to your real-life role and responsibilities.
(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
CFP® Professionals: 1 credit (Practice Management)
General Credits: 1 credit in BC, AB, SK, MB, ON
You write reports, recommendations, and reasons-why letters, amongst other communications. Do you find you spend too much time writing? Do you find it difficult to write concisely and clearly? Do you send clients instructions that they do not follow? Do you spend too much 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 and to the point. The benefits that will accrue to you include:
The use of plain language can be easily mastered, and we show you how. Plus, not to be too serious, we have included pages called Worst in Class that illustrate the sad use and misuse of language that comprises most business jargon. (Low-hanging fruit or laser-focussed sound familiar?)
If you were hired to sell financial products and not as a writer, this course will make your job easier thanks to its practical approach that you can quickly and easily adopt
(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® Certificant: 3 credits (Financial Planning)
Institute Credits: 3
Elder Abuse Ontario states that most financial abuse is perpetrated by family members. Elder financial abuse is not always as obvious as the beloved granddaughter who borrows $1,000 from grannie and conveniently forgets to repay the loan.
This course addresses older adults because it isn’t just the elderly and feeble who fall victims to financial abuse. There are many blatant ways financial abuse is perpetrated on older adults, such as outright theft, and insidious ways, such as abuse of a Power of Attorney.
You are going to learn many causes of elder financial abuse and economic crime. You are given warning signs and red flags to watch for. Plus you are provided with guidance on just what you can do to help your older adult clients avoid abuse and how to get help when it’s needed.
If you’re an advisor with a responsibility for older adult clients, you’ll find a wealth of valuable advice in this timely and practical course.
(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® 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.
(Course provided by email as file to save or print off.)
Provincial Life Credits: 5 credits in BC, AB, SK, MB, ON
CFP® Certificant: 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.
(Course provided by email as file to save or print off.)
CECAP / IIROC: 8 credits (Compliance)
This course is the first ethics course to receive CECAP Compliance credits and to be recognized as an ethics course in the IIROC Continuing Education Program.
Read More Here
Ethics and the Investment Industry fearlessly goes where others dare not tread. This course examines the big 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 instruction is provided on how to achieve ethical outcomes.
This course may challenge you and how you think about your role in the investment industry. You may not agree with all you read, but you will be encouraged to find how ethical choices are your only choice.
(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
CFP® Certificant: 1 credit (Professional Responsibility)
Institute Credits: 1 credit (pending)
This course has been fully reviewed by FP Canada and approved for its mandatory professional responsibility (PR) credit. Ethics at Work provides essential learning about ethics and rules of conduct for CFP® Certificant:s. However, the case studies and general course content can benefit all financial advisors.
You will learn six questions to ask yourself in regards to dealings with clients to test whether your actions stand up to the expectations for ethics. And, you’ll read what ethics is not—definitely something to think about.
As always, the case studies round out the learning and these all-new cases will hone your critical ethical decision-making skills.
(Course provided by email as files to save or print off.)
Provincial Life Credits: 2 credits in BC, SK, MB, ON
Institute Credits: 2 credits (Ethics)
As a member of the Institute you have an ethical obligation to the organization, to clients, and to your industry. Your objective is to arrive at the best ethical outcome for actions you take and decisions within your control. How can you be guided in practice?
This course will help you determine some of the situations in which ethics plays a role. We ensure first that you have a grounding in what ethics is, and then go on to take a closer look at some of your ethical obligations. Along the way, we’ll explore some of the biases that can impact ethics, and ensure that you are particularly attuned to ethical challenges in your seniors’ market.
This is not an ethical lecture on behaviour but, rather, a wide-ranging exploration of issues. You are bound to come away with an enthusiasm as to how ethics can work for the benefit of you and your clients. It is your best practice.
(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® Certificant: 7 credits (Financial Planning)
General Credits: 7 credits in BC, AB, SK, MB, ON
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.
(Course provided by email as file to save or print off.)
Provincial Life Credits: 7 credits in BC, AB, SK, MB, ON
CFP® Certificant: 7 credits (pending)
Institute Credits: 7 credits (pending)
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.
(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® Certificant: 5 credits (Financial Planning)
Institute Credits: 5 credits
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.
(Course provided by email as file to save or print off.)
Provincial Life Credits: 7 credits in BC, AB, SK, MB, ON
CFP® Certificant: 7 credits (Financial Planning)
Institute Credits: 5 credits
It’s no secret that Canadians as a whole could be spending less and saving more. This course addresses the basics of savings strategies and debt management together with some new actionable ideas. You’ll find:
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.
Help your clients take control, starting now!
(Course provided by email as file to save or print off.)
CPD Credit Hours: 2
Provincial Life Credits: 2 credits in BC, AB, SK, MB, ON
CFP® Certificant: 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.
(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® Certificant: 3 credits (Financial Planning)
Institute Credits: 3
Quebec Credits: CSF: 3 PDU (1 General subject , 2 Insurance of Persons)
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:
(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® Certificant: 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!
(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® Certificant: 7 credits (Financial Planning)
Institute Credits: 7 credits
It will not come as any surprise that retirees worry about their money. Rightly so. They face a unique set of risks due to age and circumstances.
This course identifies seven significant threats to retirees and their income:
We explore these risks — giving you background and analysis — and go on to provide useful risk management ideas and strategies.
You will find hard facts on the safe withdrawal rate for savings and how it translates into the lump-sum needed on retirement. You’ll learn shock therapy for the over-spender. And, you may learn some surprising information about the cost of healthcare for Canadians.
Focus on Retirement Risks gives you a wealth of meaningful and practical ideas and solutions for safeguarding retirement income.
(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® Certificant: 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.
(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® Certificant: 3 credits (Financial Planning)
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.
(Course provided by email as files 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
FP Canada: 4 approved (Financial Planning)
Institute: 4
IIROC/CECAP: 4 PD
CSF: pending
Quebec Credits: CSF: 4 PDU (1 Group, 3 Insurance of Persons)
Make no mistake, small business owners are the top dogs of Canadian business: responsible for over 75% of private-sector job creation and considered by the Business Development Bank of Canada to be “the engine of the economy, and their success vital to Canada’s prosperity.”
Their success becomes your success when you work with small business owners to ensure their personal financial house is in order. They must have life insurance to ensure smooth transition of shares in their business if an owner should die or become incapacitated due to disability. They should have key person insurance to manage risk. They must know the vital importance of the buy-sell agreement and the reasons they simply cannot afford to overlook the agreement.
In this course, you will learn the reasons insurance is so essential to small business owners. When it’s finished, you will not need convincing that working with small business owners is good business for you.
Course details
pdf text file delivered to inbox (print or download): 60 pp
test (login with link provided with course): 15 A/B questions; unlimited retakes
Certificate: immediate on completion of test; 6 categories of credits
(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
IIROC/CECAP: 4 PD
CFP® Certificant: 5 credits (Financial Planning)
Institute Credits: 5 credits
Quebec Credits: CSF: 5 PDU (1 Group, 4 Insurance of Persons)
Life insurance is frequently marketed for its use as income replacement during working years in the event of premature death. Does that mean it is obsolete at retirement when income stops? The answer is, no. There are many good reasons for life and health insurance post-retirement.
Learn:
This course reinforces the uses for insurance for older adults. However, it is equally important for those advisors whose clients are contemplating retirement at some distant date to understand the importance of insuring now.
(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® Certificant: 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.
(Course provided by email as file to save or print off.)
Provincial Life Credits: 3 credits in BC, AB, SK, MB, ON
CFP® Certificant: 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.
(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® Certificant: 3 credits (Financial Planning)
General Credits: 3 credits in BC, AB, SK, MB, ON
Adjuster: 3 credits in AB
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:
Includes a win-win negotiation preparation worksheet!
(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
CFP® Certificant: 1 credit (Financial Planning)
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!
SPACER
SPACER
SPACER
(Course provided by email as file to save or print off.)
Provincial Life Credits: 2 credits in BC, AB, SK, MB, ON
CFP® Certificant: 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.
(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
IIROC/CECAP: 3 PD
CFP® Certificant: 3 credits (Financial Planning)
Institute Credits: 3 credits
Quebec Credits: CSF: 3 PDU (1 3 Insurance of Persons)
It almost seems like putting the cart before the horse when, introducing an insurance policy, the conversation turns to the claim. Isn’t the claim the last step in the insurance process?
While it’s true that a claim may terminate a policy, putting claims information up front in a sales presentation 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 — and does it deliver! The benefit is paid easily, quickly, with tax advantages, and protection. To make sure the claim becomes all that you promise, we provide seven pointers on how to ensure a successful claim. We describe many of the reasons claims are more or less than expected, and provide an overview on the complaints process.
Putting the claim top of mind may seem contrarian but doing so makes the reasons for insurance transparent and professional. For those struggling to find dollars for premium purposes, the claim can rationalize premium expense.
(Course provided by email as files to save or print off.)
Provincial Life Credits: 2 credit in BC, SK, MB, ON AB
Provincial A&S Credits: 2 credits in BC, SK, MB, ON: AB
CFP® Certificant: 2 credits (Financial Planning)
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.
(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® Certificant: 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
Institute Credits: 3
Quebec Credits: CSF: 3 PDU (3 in 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:
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.
Course Price: $39.95
(Course provided by email as file to save or print off.)
Provincial Life Credits: 3 credits in BC, AB (pending), SK, MB, ON
CFP® Certificant: 3 credits (Financial Planning)
Probate fees have been increasing in most provinces and introduced in Alberta. This means your clients can be facing new and larger charges on their estates. In turn, these probate fees translate into diminished estate value. Help your clients plan now for this eventuality because there are ways of reducing this “tax”.
This course provides ideas for planning opportunities to reduce probate expense. You can help your clients save potentially significant costs and reinforce the value you bring to your client relationship.
(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® Certificant: 1 credit (Professional Responsibility) + 2 bonus Financial Planning credits
Institute Credits: 3 credits
CECAP / IIROC: 2 credits (Compliance)
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.
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.
(Course provided by email as file to save or print off.)
Provincial Life Credits: 7 credits in BC, AB, SK, MB, ON
CFP® Certificant: 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 save you countless hours of research on the issue of beneficiaries and will be a valuable resource in your practice in years to come.
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:
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
(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
CFP® Certificant: 1 credit (Professional Responsibility)
General Credits: 1 credit in BC, AB, SK, MB, ON
Institute Credits: 1
Quebec Credits: CSF: 1 PDU (1 in Compliance)
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.
(Course provided by email as file to save or print off.)
Provincial Life Credits: 12 credits in BC, AB, SK, MB, ON
CFP® Certificant: 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.
(Course provided by email as file to save or print off.)
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:
Each stage has considerations around asset creation and protection, life insurance needs, and pension planning.
(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: 1 credits in BC, AB, SK, MB, ON
CFP® Certificant: 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.
(Course provided by email as files to save or print off.)
Provincial Life Credits: 5 credits in BC, AB, SK, MB, ON
CFP® Certificant: 5 credits (Financial Planning)
Institute Credits: 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. 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.
(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® Certificant: 2 credits (Financial Planning)
Institute Credits: 2 credits
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.
(Course provided by email as file to save or print off.)
Provincial Life Credits: 1 credit in BC, AB, SK, MB, ON
CFP® Certificant: 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.
(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
In 2019 FINTRAC introduced new guidance on the issue of how to recognize a suspicious transaction and possible indicators of money laundering and/or terrorist financing activity. This course covers your new requirements so that you will understand when a suspicious transaction report should be submitted. Your reporting is a compliance issue and the right, ethical, thing to do. The intelligence you provide may be the basis for action taken by FINTRAC or other authorities.
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.
(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® Certificant: 10 credits (Financial Planning)
Institute Credits: 10
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.
(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® Certificant: 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.
(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® Certificant: 5 credits (Financial Planning)
General Credits: 5 credits in BC, AB, SK, MB, ON
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.
(Course provided by email as file to save or print off.)
Provincial Life Credit: 1 credit in BC, AB, SK, MB, ON
Provincial A&S Credit: 1 credit in BC, AB, SK, MB, ON
CFP® Certificant: 1 credit (Practice Management)
Institute Credit: 1
Adjuster: 1 credit in AB
General: 1 credit in 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
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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® Certificant: 7 credits (Financial Planning)
When we began preparation of this course we had doubts about whether women really had different financial circumstances and needs than men. We were wrong. Single women — whether with dependants, separated or divorced, or widowed — have many special characteristics that relate to their financial planning and insurance needs. This course is going to explain what those characteristics are and how you need to work within their limitations.
This course offers insight to both male and female advisors about the financial challenges facing single women. You will develop a better understanding of, and compassion for, women and their specific financial needs.