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Catalogue of Single Courses

WHAT YOU NEED TO KNOW ABOUT C’Life SINGLE COURSES.

Single courses are stand-alone courses. Each has a subject focus. Be assured, no matter your designation, regulator, or province you can take any course you want.

Courses show a table that consolidates all the credits from separate regulators/accreditators. A short description of content is provided.

If you need multiple credits across multiple licenses or designations, a course package might be your better choice.

C’Life supports your CE with flexibility, choice, value and results.

Single Courses


Ace the Annual Review

Provincial Life Credits: 1 credit (BC, AB, SK, MB)
Provincial A&S Credits: 1 credit (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 to prepare for a review, some good questions to ask, disclosure for recommendations, and what to do when a situation becomes difficult.

Start the practice of an annual review, and find a business stimulator!

  • Find new opportunities for sales based on changing client circumstances;
  • Learn how to prepare, good questions to ask, disclosure for recommendations, and what to do when a situation becomes difficult.

$24.95

$24.95

Act on Money Laundering

Provincial Life Credits: 1 credit (BC, AB, SK, MB, ON)
Provincial A&S Credits: 1 credit (AB, SK, MB, ON)
CFP® Certificants: 1 credit (Financial Planning)
Institute Members: 1 credit (inc. Ethics)
General Credits: 1 credit (BC, AB, SK, MB, ON)
Adjusters: 1 credit (BC, AB)
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 an overview and reminders you need to ensure you are on top of compliance expectations and will be ready if an auditor comes knocking.

  • Review how money laundering is accomplished, and how it is stopped;
  • Understand, in order to implement, the elements of a compliance program;
  • Gain an up-to-date understanding of know-your-client directives, reporting and record-keeping requirements.
act on money laundering

$24.95

$24.95

Advising on Wills and Intestacy

Provincial Life Credits: 3 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 3 credits (Financial Planning)
There are two sides to the coin: one sees the mess that arises from a lack of direction after death. It sees time and money wasted trying to determine the intentions of the deceased. There’s uncertainty and there may be anger and disappointment in its wake. The other side of the coin shows forethought, consideration of others, and a desire for wishes to be fulfilled from beyond the grave.

Which will your client choose? This is why the will is a key document for retirement and estate planning. Learn its vital role and how your advice revolves around its instructions.

  • Prepare the client for the costs and inconveniences that arise from not having a will;
  • Show clients how a will works to their advantage and acts as their voice when they can no longer speak for themselves;
  • Assure clients that estate plans for beneficiaries can be fulfilled.
Advising on Wills and Intestacy

$39.95

$39.95

After Age 71: RRSP/LIRA Options and Strategies

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

You might be surprised at the enormous number of uninformed and misinformed people who make decisions for their RRSPs and LIRAs without proper knowledge or guidance.

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 and comprehensive information shows the what, how, and when of “what comes next.”

  • Explore alternatives for clients when their RRSP/LIRA matures;
  • Learn about available choices, considerations, strategies, and action plans for seniors;
  • Implement a maturity option for clients that recognizes their specific requirements and is justifiably in their best interest.

$54.95

$54.95

Anti-Money Laundering

Provincial Life Credits: 3 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 3 credits (SK, MB, ON, AB)
CFP® Certificants: 3 credits (Financial Planning)
Institute Members: 3 credits (includes 2 Ethics)
General Credits: 3 credits (BC, AB, SK, MB, ON)
Adjusters: 3 credits (BC, AB)

Many know the cost of illegal drug use and abuse. They know from family, friends and acquaintances who have lost a loved one to an overdose or life on the streets. This is one reason money laundering — money washing — is no joke. Money laundering is the purview of criminals, drug dealers, human traffickers, arms dealers, and terrorists.

You have a special responsibility to try and prevent money laundering. Read how.

  • Review how money laundering is accomplished, and how it is stopped;
  • Understand, in order to implement, the elements of a compliance program;
  • Gain an up-to-date understanding of know-your-client directives, reporting and record-keeping requirements.

$44.95

$44.95

The Art and Science of Suitability

Provincial Life Credits: 5 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 5 credits (Financial Planning)
Institute Members: 5 credits (including 1 Ethics)
IIROC Credits: 5 credits (Professional Development)
MFDA Credits: 5 credits (Professional Development)
CSF: 5 credits (1 Compliance, 4 Insurance of Persons)

Creating suitability between client and product is a challenge with which you are confronted and a means by which you prove your mettle. Whether the product you recommend and provide is insurance or investment, expectations are set for you to do the job objectively, correctly and capably.

Learn expectations and requirements for suitability and how to achieve this lofty goal:

  • Optimize suitability for insurance and investment products;
  • Implement a holistic approach that looks at total needs, situations, weaknesses, and strengths of the individual with the products and services available to the individual;
  • Understand how priorities affect decisions;
  • Execute the suitability checklist.

$74.95

$74.95

Assets: Their Transition and Taxation

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

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 planning an estate. You’ll learn-

  • How probate and income tax must be considered when assets are distributed;
  • How to limit the impact of taxation to allow clients to optimize their hard-earned savings;
  • How to help to ensure client savings are retained and passed along according to plan.

$74.95

$74.95

Barriers to Insurance: Reasons for Underinsurance

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

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

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

Take charge to eliminate the barriers holding back action.

$74.95

$74.95

Be a Better Advisor This Year

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

If you provide better advice to your customers, will your sales improve?

This course gives you the chance to answer this question. It provides simple steps you can take to be better at your job starting today. You get practical customer-focussed ideas that you can immediately use to benefit prospects, clients, and your bottom line.

  • Explore customer-focussed ideas and practices to benefit clients and your bottom line;
  • Better understand and anticipate client needs for insurance and investment products;
  • Find out how to turn everyday issues into opportunities for service and sales.
Be a Better Advisor This Year

$74.95

$74.95

Be the Better RESP Advisor

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

The Registered Education Savings Plan (RESP) is nothing less than brilliant: it’s free government money to eliminate student debt for a better future.

This course will give you the answers to common objections about plan contributions. It clearly lays out the types of plans, investment considerations, and how to take advantage of compounding.

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

  • Learn how an RESP helps ensure a better future for children;
  • Estimate the importance of government contributions as free money to build plan value;
  • Discover how to address common client objections to starting a plan or making contributions;
  • Prove to clients how student debt can be partly or entirely eliminated by an RESP.
Be the Better RESP Advisor

$39.95

$39.95

Be the Better RRSP & TFSA Advisor

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

RRSPs and TFSAs are important savings vehicles for short and long-term objectives. You’ll find new and important information in this comprehensive overview to equip you with the information you need to advise prospects and clients correctly and completely.

Be the better RRSP/TFSA advisor, starting now.

  • Identify whether an RRSP or a TFSA can best serve the individual needs of your clients;
  • Be prepared with answers to the questions that hold people back from opening and contributing to accounts;
  • Understand the pros and cons of RRSPs and TFSAs;
  • Gain the confidence and knowledge to decide how to use the accounts most efficiently.
Be the Better RRSP/TFSA Advisor

$74.95

$74.95

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

Provincial Life Credits: 5 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 5 credits (AB, SK, MB, ON)
CFP® Certificants: 5 credits (Financial Planning)
Institute Members: 5 credits (includes 2 Ethics)
IIROC Credits: 5 credits (Professional Development)
General Credits: 5 credits (BC, AB, SK, MB, ON)

A Big Issue addresses dementia and Alzheimer’s disease in the context of mental and financial capacity. Here’s wha tyou need to know and how to prepare for working with a client who may begin experiencing capacity issues.

This course delivers on risk fundamentals by covering:

  • How will you recognize dementia or Alzheimer’s in your client?;
  • How many of your clients may be affected?;
  • What else can and will you do – and when?
  • Is there a role for insurance?

This is information for a frightening problem that can be experienced professionally and personally.

A Big Issue

$69.95

$69.95

The Client’s Best Interest: Insights and Ideas for Action

Provincial Life Credits: 2 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 2 credits (AB, SK, MB, ON)
CFP® Certificants: 2 credits (Professional Responsibility)
Institute Members:: 2 credits (includes 1 Ethics)
IIROC Credits: 2 credits (Compliance)
MFDA Credits: 2 credits (Business Conduct – Ethics)
General Credits: 2 credits (BC, AB, SK, MB, ON)

Serving the client’s best interest is a requirement for all those with client responsibilities. This course provides the understanding that can lead to generating best interest interactions, plans and proposals.

Learn to:

  • Integrate client best-interest principles into practice and solidify your client relationships.
  • Make clients a priority and confirm your professional responsibility.
  • Enhance personal integrity.

$34.95

$34.95

COMPLAINT HANDLING and AVOIDANCE for Life agents, CFPs/QAFPs, MFDA, and IIROC registrants

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

Learn the rules and the mitigation measures to prevent complaints. Find out what to expect if a complaint is lodged, and your role in the investigation process. Read extensive case studies in each of insurance, FP Canada, the MFDA and IIROC complaint hearings. And, see where ombudservices step up, and when the legal remedy applies.

By reviewing causes for complaints, this course is an excellent guide to remind you of how to avoid a complaint in addition to how resolution can be brought about

  • Learn what happens when a complaint is filed, and mitigation measures to prevent complaints;
  • Find out what to expect if a complaint is made about you, and your role in the investigation process;
  • Read extensive case studies in each of insurance, FP Canada, the MFDA and IIROC complaint hearings;
  • Gain vital knowledge on how to avoid a complaint in addition to how resolution can be brought about.

$74.95

$74.95

Coping With The Difficult Client

Provincial Life Credits: 5 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 5 credits (AB, SK, MB, ON)
CFP® Certificant: 5 credits (Financial Planning)
Institute Members: 5 credits (inc. 1 Ethics)
MFDA Credits: 5 credits (Business Conduct – Non-Ethics)

There are many, many behavioural management ideas in this informative and useful 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.

  • Prepare for unreasonable, demanding and unpredictable client behaviour;
  • Learn anger management skills;
  • Find out how to deliver bad news, and the sad consequences of disappointment;
  • Prevent unpleasant interactions and reduce your stress level.

$74.95

$74.95

The CPP Question: When to Start the Retirement Pension?

Provincial Life Credits: 3 credits (BC, AB, SK, MB, ON)
CFP® Certificant: 3 credits (Financial Planning)
Institute Members: 2 credits

Choosing the right time to begin the CPP retirement pension is a source of speculation and pain for advisors and their clients. Now, you will be able to answer the question of “when is best?” knowledgeably when you learn details about CPP with a focus on the issue of timing.

This is essential learning that increases your value to clients and prospects alike.

  • Know how to answer the question of “when is best” when it comes to starting retirement pensions;
  • Learn about eligibility, contributions, strategies for benefits received, and recent changes.
The CPP Question: When to Start the Retirement Pension?

$29.95

$29.95

Cyber Security: Protecting Client Privacy in Your Practice

Provincial Life Credits: 3 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 3 credits (AB, SK, MB, ON)
CFP® Certificants: 3 credits (Financial Planning)
Institute Members: 3 credits (inc. 1 Ethics)
MFDA Credits: 3 credits (Professional Development)
General Credits: 3 credits (BC, AB, SK, MB, ON)

Cyber incidents are increasing as a result of hacker attacks, technical failures, sloppy practices, and employee error. The question facing individuals like you and organizations today is not if you will suffer a cyberattack but when.

The threats from a cyberattack are largely underestimated by businesses because the threats are not always well understood. This course will make clear the threats you face and exactly what to do to reduce or eliminate those threats.

  • Learn how cyber security breaches are an increasing threat to the privacy of your client’s information;
  • Improve your understanding of hacker attacks, technical failures, sloppy practices and employee errors;
  • Discover how to reduce or eliminate cybersecurity threats in order to protect client privacy.
Cyber Security: Protecting Client Privacy in Your Practice

$39.95

$39.95

Decisions, Decisions: How to Make Better Financial Decisions

Provincial Life Credits: 4 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 4 credits (Financial Planning)

This course teaches you how to make complex decisions in a simple four-step process. The steps can be applied to any decision you face — personal or professional. And, for a financial planner or advisor, it provides a way to substantiate a recommendation or decision to a client.

This process will save you time and make you better at your job.

  • Adopt a four-step process to achieve objective decisions and recommendations;
  • Provides a rational basis for showing a client the benefit of one course of action vs. another;
  • Use with clients to gain their input and buy-in for decisions.
Decisions, Decisions: A Simple Approach to Better Financial Decisions

$49.95

$49.95

Disability: Creating a Plan for Future Needs

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

Maybe you know someone who has been in a car accident, hurt as a pedestrian, or injured playing sports, while ATVing or snowmobiling. Accidents happen all the time. They can disable victims and prove the point that disability is not strictly a condition of the elderly. Can you help the victims create an income during their convalescence? Can you help find a way to pay the bills?

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.

BONUS! Includes Succession Planning for Families with Disabled Dependents by John Poyser, a partner with Tradition Law LLP Estates and Trusts and the principal of the Wealth and Estate Law Group in Calgary.

  • Disability is not just a condition of the elderly. Consider how every single day Canadians are disabled in common everyday activities: crossing the street, snowmobiling, bicycling, and the simple activities of daily living;
  • Learn about the financial programs and benefits available to Canadians of all ages living with disabilities;
  • Gain the knowledge you need to help clients plan with for their future financial needs and/or those of any disabled dependents.

$84.95

$84.95

Do Your Best: Professional Standards, Ethical Proficiency and Principles for Conduct

Provincial Life Credits: 1 credit (BC, AB, SK, MB, ON)
Provincial A&S Credits: 1 credit (AB, SK, MB, ON)
CFP® Certificants: 1 credit (Professional Responsibility)
Institute Members: 1 credit (includes Ethics)
MFDA: n.a.

Being in the business of providing financial advice brings many challenges. This course identifies some specific challenges that come about in practice as conflicts arise and principles are tested.

Do Your Best is easy to read. It provides information that you can quickly learn from and apply to your role and responsibilities.

  • Refresh your understanding of professional standards, ethics and principles;
  • Review three options for dealing with conflicts of interest;
  • Navigate the roadblocks that can arise when it comes to putting client interests first.

$24.95

$24.95

Effective Written Communications for Financial Advisors

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

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!

In this light-hearted, and occasionally humourous course, you will:

  • Improve your marketing and customer service through better writing;
  • Make your writing meaningful, clear and to the point;
  • Learn a practical approach to writing in plain language in order to communicate complex financial topics to clients.
Effective Written Communications for Financial Advisors

$24.95

$24.95

Elder Abuse and the Financial Exploitation of Seniors

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

Elder abuse occurs in the form of diminished savings, outright theft, loss of asset ownership, a change of beneficiary designations, or abuse of power of attorney abusing the position to the detriment of the grantor.

It is happening all around you — and maybe you have had suspicions that you could not substantiate. That stops now with the knowledge you will gain from this course.

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. You will be 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 want to heighten your awareness of this serious problem, or find out what to do if it seems abuse is occurring, then you will want to read this course.

  • Recognize the causes and signs of elder financial abuse;
  • Know your ethical responsibilities towards your client if you suspect abuse;
  • Gain the knowledge you need in order to help suspected victims of elder financial abuse.
Elder Abuse and the Financial Exploitation of Seniors

$39.95

$39.95

Essentials of Canadian Insurance

Provincial Life Credits: 7 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 7 credits (AB, SK, MB, ON)
CFP® Certificants: 7 credits (Financial Planning)
MFDA Credits: 7 credits (Professional Development)

Essentials of Canadian Insurance compiles insurance need-to-know terms and concepts into a valuable reference. Eliminates time spent searching and provides comprehensive factual information on a wide array of everyday, need-to-know subjects.

What’s in it for you?

  • Improve knowledge of insurance terms and facts without getting bogged down in detail;
  • Recall industry provisions and particulars for application with client needs;
  • Compare features and benefits quickly and easily.

These snapshots of terms, phrases, and policy particulars are exactly what you need to have on hand for quick review and relevance to client needs. You get the benefits and so do the folks in your business who can ramp up their knowledge and proficiency.

$89.95

$89.95

Estate Planning for Retirees

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

Estate planning is the exercise of planning what will happen to the assets and liabilities of a person after his death. It is based on a person who wishes to guide how his assets are used, instead of leaving control in the hands of others.

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 to meet their estate needs.
This course helps you to structure a plan for the future.

  • Learn what happens to estates at death and how to prepare for taxes before and after;
  • Find out what plans must be made during life in preparation of a client’s estate;
  • Discover insurance products that will ensure you are equipped to help your clients with insurance designed for their needs.
Estate Planning for Retirees

$69.95

$69.95

Ethics and the Investment Industry

IIROC (CIRO) Credits: 7 credits (Compliance; repeatable)

Ethics and the Investment Industry fearlessly goes where others dare not tread. It asks questions that may be awkward. It discusses sensitive issues. It takes an objective look at some of the facets of your business that may be uncomfortable.

You learn some of the background of ethics and how ethics influences decisions in our society today. Self-driving vehicles are a sure example: does the driverless vehicle choose to hit one elderly doctor or two children?

This is not the easiest ethics course you could read but its far-ranging discussions give you lots to think about. You will be encouraged to find how ethical choices are your only choice.

  • 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 ethical objectives and requirements.

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.

$84.95

$84.95

Ethics at Work: Professional Challenges, Responsible Results

Provincial Life Credits: 1 credit (BC, AB, SK, MB, ON)
Provincial A&S Credits: 1 credit (AB, SK, MB, ON)
CFP® Certificants: 1 credit (Professional Responsibility)
Institute Members: 1 credit (includes 1 Ethics)
General Credits: 1 credit (BC, AB, SK, MB, ON)
Adjuster Credits: 1 credit (AB)

Ethics at Work provides essential learning about ethics and rules of conduct for CFP® Certificants. However, the general course content and case studies can benefit all financial advisors.

Test yourself against six questions of ethics to ask whether your actions stand up to expectations. And, you’ll read what ethics is not—definitely something to think about.

Case studies round out the learning and these new cases will hone your critical ethical decision-making skills.

  • Get back to basics with essential learning about ethics and rules of conduct;
  • Test yourself against six questions of ethics to examine whether your actions meet expectations;
  • Read case studies to hone your critical ethical decision-making skills.

$24.95

$24.95

Ethics for Institute Members

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

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.

This course helps you determine some of the situations in which ethics plays a role. We begin with a grounding in ethics and then take a closer look at your ethical obligations. We 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, a wide-ranging exploration of ethical issues. The result? Enthusiasm as to how ethics can work for the benefit of you and your clients.

  • Arrive at the best ethical outcomes for clients through your actions and decisions;
  • Understand your ethical obligations, particularly for seniors;
  • Find an appreciation for how ethics benefits you and your clients.
Ethics for Institute Members

$29.95

$29.95

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

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

Nothing brings the criminals and fraudsters out of the woodwork like tough times. Post-pandemic, they’ve never been more busy and more successful at attacking individuals and businesses.

Financial fraud is everywhere: the Internet, your phone, the mail, the person selling a service at your front door, and inadvertently by word-of-mouth in the latest “hot” investment tip from your friend or neighbour.

Learn what the frauds are, how they can be prevented, and what to do if you, your clients, or your business becomes a victim.

  • First, learn to recognize fraud schemes and how they are perpetuated;
  • Second, get practical knowledge on how to protect yourself, your clients and your business from fraud.
  • Third, discover what to do if you or your clients become a victim of fraud.
Financial Fraud: How to Protect Yourself

$79.95

$79.95

FINANCIAL PLANNING FOR LIFE: Getting the Financial House in Order

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

What is a financial house? Let’s compare it to a building: the will is the foundation, life insurance is the roof, savings are the walls—and all those needing financial protection are in the rooms within. Take away the foundation, roof or walls and the house collapses. This course shows you how to build that house for your client. It may be modest or it might be a McMansion: the principles remain the same.

Although younger people need to understand the concepts of having their financial house in order, it isn’t just younger people who need help building a secure “structure.” It can be surprising how some of the most fundamental information is overlooked or misunderstood by people of all ages.

Become the architect of a secure future from this course.

  • Build a sound financial house for clients of all ages with financial basics you can share;
  • Understand how a will and insurance protects assets and beneficiaries so that you can equip your clients with vital financial know-how;
  • Explore general issues of financial preparedness;
  • Use the comprehensive information to support and grow your client base.
FINANCIAL PLANNING FOR LIFE: Getting the Financial House in Order

$84.95

$84.95

FINANCIAL PLANNING FOR LIFE: Income Replacement

Provincial Life Credits: 5 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 5 credits (AB, SK, MB, ON)
CFP® Certificants: 5 credits (Financial Planning)
Institute Members: 5 credits
IIROC Credits: 5 credits (Professional Development)
MFDA Credits: 5 credits (Professional Development)

Income protection is a fundamental reason for life insurance and disability insurance.

You will be doing both sides of the equation in this course: a product review including reviewing options for self-insuring and the emergency fund. Then, 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 income needs for life.

  • Prepare a client for income replacement with knowledge of product options for self-insuring and emergency funds;
  • Turn an approach into a successful sale by knowing the client and ensuring suitability;
  • Apply standards of conduct to the sales process.

$74.95

$74.95

FINANCIAL PLANNING FOR LIFE: Investing Products and Strategies

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

Find investing ideas with lifelong significance in this course. Be able to easily compare and contrast investments, and answer questions clients want to ask such as, how will this investment make money for me?

Apply the consistent knowledge presented in this course to client needs. Achieve suitability. Meet disclosure requirements. This course is guaranteed to deliver positive returns.

  • Learn the six-question test for investing developed by the OSC, and how it applies to a number of common investment products;
  • Gain a consistent picture of investments to gauge their suitability;
  • Review common investment strategies for their application to your clients’ needs.

$79.95

$79.95

FINANCIAL PLANNING FOR LIFE: Savings and Debt

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

This is a how-to course that delivers actionable ideas and solutions. You’ll find 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, and how to save to achieve objectives.

Turn the how-tos into strategy that leads to wealth accumulation. Make your mark as a problem-solver as clients are relieved of debt and move ahead to a brighter future as savers and investors.

  • Help clients understand the importance of setting goals, and how to achieve objectives;
  • Review tried-and-true approaches that lead to wealth accumulation;
  • Leverage your learning to relieve financial anxiety.

$79.95

$79.95

The Financial Planning Mistakes of Clients

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

It is astonishing to see prospects and clients make these mistakes — their belief that they don’t need a financial plan, that they know all there is to know, or that their family member, friend or neighbour has a magical investment opportunity.

Your prospects and clients are not alone: many individuals make these same errors and come up with losses to show. And, they do it over and over again. This course covers eight common mistakes clients make including the impression that there is always enough time to begin to save, following the herd, misunderstanding spousal rights to assets, or an inappropriate approach to risk taking.

You will learn new insight into how mistakes are made and how they can be remedied.

  • Covers eight common mistakes clients make, and the loss of opportunities that result from their errors;
  • Head off the inevitable crash landings that arise from arrogance and misperceptions;
  • Help clients to get on the right track, stay there, and reap the rewards.

$44.95

$44.95

Finding the Fit: Suitability and Professional Responsibility

Provincial Life Credits: 3 credits (BC, AB, SK [3 Ethics], MB, ON)
CFP® Certificants: 3 credits (2 Professional Responsibility, 1 Financial Planning)
Institute Members: 3 credits (includes 1 Ethics)

You are charged with finding the fit between client needs and objectives, and products. The best fit—in fact, the only fit— is one that puts client interest first. When that fit is achieved, suitability may also be satisfied.

In this course you will be guided towards the considerations of a fitting product. You will also show evidence of, and adherence to, compliance and issues of responsibility. Plus, you receive a suitability checklist to help guide your work.

  • Learn the reasons that investment suitability is the most common complaint among older investors and how that complaint can be eliminated through the decisions you make;
  • Read case studies taken from the files of regulators about instances where suitability has been abused;
  • Be guided with a suitability checklist to test your recommendations and actions.

$44.95

$44.95

Focus on Retirement Risks

Provincial Life Credits: 7 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 5.5 credits (AB, SK, MB, ON)
CFP® Certificants: 7 credits (Financial Planning)

Retirees face a unique set of risks due to age and circumstances. Their income can be affected by their lifespan, inflation, divorce, declining cognitive ability, overspending, the sequence of returns, and all those unexpected costs that arise and must be paid.

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. You’ll learn shock therapy for the over-spender. And, you may learn some surprising information about the cost of healthcare for Canadians.

This course delivers a wealth of meaningful and practical ideas and solutions for safeguarding retirement income.

  • Prepare to tackle seven significant threats to retirees and their income;
  • Explore these risks and learn useful risk management ideas and strategies;
  • Benefit from a wealth of meaningful and actionable ideas.

$79.95

$79.95

THE FUN OF FUNDS: Consideration of the Positive Features of Mutual Funds and Segregated Funds

Provincial Life Credits: 4 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 4 credits (Financial Planning)
Institute Members: 4 credits
IIROC Credits: 4 credits (Professional Development)
MFDA Credits: 4 credits (Professional Development)

Well, maybe fun is a slight exaggeration. The point here is that there are many good reasons for fund investing. Leave aside the negative aspects of fees, charges, loads, risks, and volatility of investment funds. Focus the decision about fund investing on the many positive features and advantages that funds offer.

This course puts a positive spin on the proposition you put before clients.

  • Review the characteristics, features, benefits, and advantages of funds and fund investing;
  • Receive insight into how funds can be used to champion a cause, interest, or belief through socially responsible investing
  • Learn the ways of tailoring a fund to the aptitude and needs of the investor;
  • Analyze the potential of funds for managing risk.

$59.95

$59.95

Fundamentals of Canadian Life Insurance

Provincial Life Credits: 10 credits (BC, AB, MB, ON)
Provincial A&S Credits: 10 credits (AB, MB, ON)
CFP® Certificants: 10 credits (Financial Planning)
ICS Life Credits: 8 credits (SK)
ICS A&S Credits: 8 credits (SK)

This course is a review of over 160 policy types, restrictions, benefits, and associated products that form the basis for life and A&S insurance. It reviews these traditional topics while delivering knowledge of more advanced topics and new products, such as the Pooled Registered Pension Plan.

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.

Written in plain English for ease of understanding and improved retention of information. A sure-fire way to build product knowledge.

  • Know your product is a regulator requirement satisfied by understanding policy types, restrictions, benefits and associated products that impact Canadian life insurance;
  • Gain that fundamental KYP information here while learning about more advanced topics and new products, such as the ALDA.
Fundamentals of Canadian Life Insurance

$99.95

$99.95

Get Into Mortgage Insurance

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

People with mortgages typically accept that having the mortgage paid in the event of their death is a sound plan. Some take the mortgage insurance offered by the institution providing the mortgage. Others use a life insurance policy with coverage equal to the mortgage.

In this course, you will learn points of comparison between personal policies and bank-provided mortgage insurance to fully understand the strength of your offer. Personal policies are more flexible than mortgage insurance, provide certainty of coverage, and can cover a wide range of individuals and circumstances. 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.

  • Communicate the benefits of better pricing, coverage, customization of needs, and future advantages of insurance policy mortgage coverage to all mortgage holders;
  • Save your prospects and clients money through a personal policy;
  • Easily compare the personal policy option with bank-offered mortgage insurance to illustrate your better product.
Get Into Mortgage Insurance

$39.95

$39.95

Good Business: Lessons for Success

Provincial Life Credits: 7 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 7 credits (AB, SK, MB, ON)
CFP® Certificants: 7 credits (Financial Planning)
Institute Members: 7 credits
MFDA Credits: 7 credits (Business Conduct Non-ethcs)

This course delivers guidance, insights, and solutions that you can easily implement to benefit you and your clients. Ten easy-to-manage lessons provides you with direction on achieving professionalism in your practice while you serve clients’ needs.

Ideas and theories are buttressed by lots of hands-on practical client information, including how-tos, why-tos, and when-tos.

It is a course you won’t want to miss.

  • Link sales with suitability for best client outcomes;
  • Learn the importance of setting financial goals across all ages;
  • Achieve clarity in virtual and in-person meetings and your writing;
  • Measure your behaviour against common ethical standards;
  • Implement best practices that pay off.

$79.95

$79.95

THE GOOD OF INSURANCE – Sounding Off on Insurance Benefits

Provincial Life Credits: 5 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 5 credits (AB, SK, MB, ON)
CFP® Certificants: 5 credits (Financial Planning)
Institute Members: 5 credits
IIROC Credits: 5 credits (Professional Development)
MFDA Credits: 5 credits (Professional Development)
General Credits: 5 credits (BC, AB, SK, MB, ON)

Here are some insurance benefits that reinforce the effectiveness and good uses of an insurance policy.

When you complete this course, you will have:

  • A client-focussed list of the unique strengths of insurance;
  • Rewarding ideas you can take to the table to underscore valuable insurance product features;
  • The advantageous considerations only insurance provides and delivers.

Get all the goods here.

$69.95

$69.95

Insurance for Business Owners

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

Insurance is essential to small business owners. Your efforts right now can focus on planning and implementation—making the best of current circumstances and preparing for an exciting future.

Whether funding a buy/sell agreement or an exit strategy for an owner, putting life and health insurance in place, or ensuring protection for the business itself, you could find that working with small business owners can be good business for you.

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

$49.95

$49.95

Insurance Needs of Newcomers to Canada

Provincial Life Credits: 7 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 7 credits (AB, SK, MB, ON)
CFP® Certificants: 7 credits (Financial Planning)
Institute Members:: 7 credits
IIROC Credits: 7 credits (Professional Development)
MFDA Credits: 7 credits (Professional Development)
General Credits: 7 credits (BC, AB, SK, MB, ON)

Newcomers to Canada come from many nations and arrive with far-ranging sets of needs. Insurance is a product that protects against risks faced in their new homeland. Discover the many concepts underlying the insurance offer and how to prescribe the exact solution for newcomer requirements.

  • Introduce the strengths of insurance products needed by newcomers;
  • Help the newcomer-client recognize the benefits of insurance for risk management;
  • Develop expertise in the newcomer market by addressing the particular circumstances of newcomers.

Make the right offer…make the offer right: on conclusion of Insurance Needs of Newcomers to Canada, you will have new insight into the situation of newcomers and what you can prescribe to create a successful insurance transaction.

$89.95

$89.95

Insurance Needs of Older Folks

Provincial Life Credits: 4 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 3 credits (AB, SK, MB, ON)
CFP® Certificants: 5 credits (Financial Planning)
Institute Members: 5 credits
MFDA Credits: 5 credits (Professional Development)

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 the factors that enter into the assessment of need, the types of life and health insurance that should be in place, and how to make insurance a winning proposition in later life.

This course reinforces the uses for insurance for older adults. This includes retirees and those who are contemplating retirement. Both groups need the advantage of insuring now. Help them meet their needs with the understanding you gain from this course.

  • Reinforce your understanding of the insurance needs of retired clients, such as for pension replacement and estate planning;
  • Help your clients see that insurance is not obsolete at retirement;
  •  Reinforce the needs with your clients for insurance after working stops.
Insurance Needs of Older Folks

$59.95

$59.95

Investor Protection Principles

Provincial Life Credits: 7 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 7 credits (5 Financial Planning, 2 Professional Responsibility)
Institute Members: 7 credits (includes 2 Ethics)
IIROC Credits: 7 credits (Compliance)
MFDA Credits: 7 credits (Business Conduct – Non-Ethics)

Investors deserve the best possible conduct and business practices by the participants in the investment industry. Protection of seniors and vulnerable clients is a particularly key priority. This focus does not eliminate the need for remaining investors to also be protected.

This course delves into key principles of investor protection with details about:

  • The trusted contact person requirement;
  • The appropriate assessment of client risk;
  • Elimination of conflict of interest;
  • Market integrity;
  • The proper handling of complaints.

These subjects equip you with the knowledge to perform ethically and to the highest standard.

$84.95

$84.95

Know Your Client: Its Challenges and Rewards

Provincial Life Credits: 3 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 3 credits (Financial Planning)
Institute Members: 3 credits (includes 1 Ethics)
IIROC Credits: 3 credits (Compliance and/or Professional Development)
MFDA Credits: 3 credits (Business Conduct – Non-Ethics)

Knowing your client (KYC) takes time, training, and perseverance. It is surely one of the most challenging requirements faced by those with client responsibilities in the financial services.

KYC is the basis for determining suitable investments. It is in your best interest to do a good job of KYC collection and maintenance. It is in your client’s best interest that you practice KYC to the regulatory minimums and beyond.

This course puts you on the right track to accomplish those objectives. You will learn the importance of collected information and how client characteristics affect the client profile and your resulting actions. You will learn how to get the facts you need. And, you will learn some impediments to KYC.

Experience the advantages of good KYC with the knowledge from this important course.

  • Addresses the new client-focussed reforms as they apply to know your client requirements;
  • Reviews what comprises essential facts and their relevance;
  • Illustrates the relationship between KYC and suitability;
  • Check your decisions with a blueprint for action.

$44.95

$44.95

Know Your Product: Obligations, Products, and Strategies

Provincial Life Credits: 7 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 7 credits (Financial Planning)
Institute Members: 7 credits (includes 1 Ethics)
IIROC Credits: 7 credits (Professional Development)
MFDA Credits: 7 credits (Professional Development)

Know your product (KYP): a straightforward directive that carries considerable weight. It is mandatory in order to make and complete initial recommendations and during continuity of investment ownership.

KYP may encompass a limited or a wide array of investments: your knowledge requirement is not lessened if your licensing is restricted. You still must be able to impart relevant and accurate product information to your clients, answer their questions, and make meaningful product comparisons.

This breakthrough course delivers a useful profile of investments that will be fundamental to your KYP. It can become your go-to reference after completing its job of continuing education:

  • Benefit from an “at a glance” overview of the characteristics of many investments from the common, like GICs, to the more esoteric, like cryptocurrency to make an initial determination of product suitability;
  • Learn the more in-depth details of investments by the application of six challenge questions across all investments covered— from life insurance products, through investment funds, gold, REITs, and many others;
  • Review some common investing strategies with their strengths and weaknesses — in a format that encourages consistency of information.

If developing and delivering sound recommendations is your priority, start here.

$84.95

$84.95

Making the Right Choices for Insurance

Provincial Life Credits: 5 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 5 credits (AB, SK, MB, ON)
CFP® Certificants: 5 credits (Financial Planning)
Institute Members: 5 credits
IIROC Credits: 5 credits (Professional Development)
MFDA Credits: 5 credits (Professional Development)

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

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

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

$74.95

$74.95

Manage and Resolve Conflict

Provincial Life Credits: 3 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 3 credits (AB, SK, MB, ON)
CFP® Certificants: 3 credits (Financial Planning)
IIROC Credits: 3 credits (Compliance)
MFDA Credits: 3 credits (Business Conduct – Non Ethics)
General Credits: 3 credits (BC, AB, SK, MB, ON)
Adjuster Credits: 3 credits (BC, AB)

Freak out or steady as she goes? As you might expect, the manner in which you respond to conflict can establish and cement your reputation.
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 delivers essential conflict management techniques that can be easily implemented. Learn how to recognize your personal style and those around you, why avoidance is ineffective, how to get to the bottom of a problem before it becomes a deal-breaker, and the importance of win-win negotiation.

This is a great course with tips that you will use to build better relationships and become that star performer.

  • Grow your business and earn a sterling reputation by learning how to manage and resolve conflict;
  • Increase managerial and client satisfaction by turning conflict into collaboration.
Manage and Resolve Conflict

$39.95

$39.95

Manage Travel Medical Risk: Travel Insurance for Home and Abroad

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

While Canadians are eager travellers, they are not quite so eager about managing the risk of travel and medical emergencies through acquiring appropriate travel insurance. Yet, travel insurance plays a vital role in financial risk management. No one wants to risk economic ruin at the hands of the U.S. medical system.

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 travel insurance market.

  • Illustrates how medical risk can be managed and mitigated;
  • Presents options to arrive at the best solution for travellers’ needs;
  • Provides essential detail on issues like pre-existing conditions to ensure claims payment.

$79.95

$79.95

Mastering the Life Insurance Sales Process

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

Provincial regulators are taking note of advisor sales practices. The practices must comply with needs’ assessment and requirements for product recommendations. Be ready if you are challenged: this course describes 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!

  • Master the sales process through your disclosure practices;
  • Find how to substantiate your recommendation;
  • Complete the Financial Checklist to provide vital documentation for the client file.

$24.95

$24.95

The OAS Balancing Act: Receiving and Retaining the Pension

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

OAS has flexibility in its start date, just like the Canada Pension Plan (CPP). This raises the questions of: 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? And, of huge concern to recipients: How can the clawback be avoided?

This course is crucial to planning retirement income. You will learn details about OAS eligibility and enrolment. You will understand how and when income is determined and the steps available to reduce clawback. You will be able to address client OAS concerns knowledgeably and helpfully.

Start making the right OAS decisions with clients now.

  • Learn how and when income is determined and how to address clients concerns about tax;
  • Help clients make the right decisions for their OAS pension and build the best pension outcome for their senior years.
The OAS Balancing Act

$29.95

$29.95

Plan for Probate

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

Let’s call probate (or estate administration tax) what it really is: an after-death tax on the value of the assets of the deceased. It must be paid.It is separate and additional to income tax.

However, probate can be estimated based on client assets and where the client resides. That estimate can spur the individual to take measures to reduce the amount of probate that will be owed.

You can lead the way by working with the client to develop ways and means to reduce probate. You can help your clients save potentially significant costs with the ideas for planning in this course. Do not miss this opportunity.

  • Use this information as a step to resolve the lack of understanding clients have about probate;
  • Help clients save potentially significant probate fees by planning ahead;
  • Find the appropriate strategies in this course to improve outcomes for seniors.
Plan for Probate

$39.95

$39.95

Policy Claims: A Sales and Service Opportunity

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

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.

  • Sales slipping? Try putting the claim payment up-front in the insurance sales process so clients understand the reasons for, and rewards of, insurance;
  • Read up on how to ensure policy claims will be successful;
  • Learn the many reasons why claims are more or less than expected;
  • Get advice on how to deal with an unhappy claimant.
Policy Claims: A Sales and Service Opportunity

$39.95

$39.95

Practical Client Risk Analysis

Provincial Life Credits: 3 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 3 credits (Financial Planning)
Institute Members: 4 credits
IIROC Credits: 2 credits (Professional Development)
MFDA Credits: 2 credits (Professional Development)

 

Risk is synonymous with uncertainty. The risk a person is willing to take is a result of his or her psychology, life experiences, social conventions, intelligence, and age amongst other factors. Where does that put you when you must gather information about the risk characteristics of a person and apply them to a product with its own risk profile? It puts you in a position in which information, analysis, and thought is required to arrive at appropriate answers.

If you have client-facing responsibilities for investments or insurance, you will come away from this course with a new appreciation for the role of risk and its repercussions.

  • The role of disclosure to risk;
  • The three measurements in a risk profile: tolerance, capacity, and need;
  • The dilemma of applying risk assessment to decision-making.

$44.95

$44.95

Principle of Fairness: Applied Ethics for Financial Advisors

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

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.

  • Define how fairness influences your financial advice;
  • Study the nine rules on how to be a fair person, and make fairness a practice for your business.

$29.95

$29.95

The Principles of Good Conduct

Provincial Life Credits: 3 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 3 credits (SK, MB, ON, AB)
CFP® Certificants: 3 credits (Financial Planning)
Institute Members: 3 credits (includes 2 Ethics)
IIROC Credits: 3 credits (Professional Development)
MFDA Credits: 3 credits (Professional Development)
General Credits: 3 credits (BC, AB, SK, MB, ON)

 

Insurance regulators have issued new guidance for conduct. This development brings together directions and instructions to tell industry participants—with very little room for personal interpretation— what to do and how to do it.

This course provides a discussion on fairness and its practice; describes the expectations for your conduct, and reinforces the reasons good conduct matters.

This one course is both an ethical discussion and a set of regulator instructions. It will lead you to meet expectations while simply doing the right thing.

  • Key ideas on how to achieve the conduct expected of you;
  • A checklist of good practices;
  • How to implement win-win behavioural principles.

$44.95

$44.95

Professional Responsibility and Seniors: Advisor Guidance for Ethical Practice

Provincial Life Credits: 3 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 3 credits (AB, SK, MB, ON)
CFP® Certificants: 3 credits (2 Professional Responsibility, 1 Financial Planning)
Institute Members: 3 credits (includes 1 Ethics)
MFDA Credits: 3 credits (Business Conduct – Ethics)
General Credits: 3 credits (BC, AB, SK, MB, ON)
Adjuster Credits: 3 credits (AB)

This course has a focus 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.

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

  • Review the standards of ethics that apply to senior clients;
  • Learn about the challenges seniors present;
Professional Responsibility and Seniors: Advisor Guidance for Ethical Practice

$39.95

$39.95

Property Matters: Property, Beneficiaries, Tax, and Life Insurance

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

This course answers the question of “what is going to happen to my assets when I die?” It looks 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.

  • Build an estate plan properly — based on the value of assets in the estate and how they can be transitioned to beneficiaries;
  • Understand where, when, and how taxes are applied;
  • Identify the role and adequacy of insurance;
  • Help clients plan now for peace of mind later.

$79.95

$79.95

Recognizing and Managing Financial Conflicts of Interest

Provincial Life Credits: 3 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 3 credits (1 Financial Planning, 2 Professional Responsibility)
Institute Members: 3 credits (includes 2 Ethics)
IIROC Credits: 3 credits (Compliance)
MFDA Credits: 3 credits (Business Conduct – Non-Ethics)

Here is a course focussed on what actions comprise conflict of interest (COI) for investment advisors and insurance agents, how they can be managed and mitigated, and the personal development efforts you can undertake to help defeat COI from arising.

You will complete this course with:

  • Constructive ideas to implement to avoid COI in your behaviour;
  • Important insight on how COI develops and how it can be mitigated personally and professionally;
  • Answers to some of the big issues about COI and its insidious effects on advice and professional conduct;
  • Valuable case studies to illustrate COI and its outcome.

Make elimination of conflict of interest your objective; read Conflicts of Interest now.

$49.95

$49.95

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

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

This course 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.

  • Study thought-provoking ethical situations in which advisors must make hard choices;
  • Use ethical guidelines to help decision-making.
Red Flags of Unethical Conduct: Case Studies Laid Open for Learning

$24.95

$24.95

Retirement Decumulation – When, How Much, and What to Do

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

Retirement Decumulation focusses on the subjects of accumulation (saving for retirement) and decumulation (spending in retirement). Decumulation may be a buzz word but it is a very serious subject that describes the deterioration of retirement savings. This course addresses the contentious issues of how much needs to be saved and how retirement income is created for spending — or saving — purposes.

  • Start with a review of the accumulation process and the necessity to know the client and plan for decumulation;
  • Continue with a review of the factors that impact retirement;
  • Conclude with a review of how to create the individual retirement pay-cheque within limitations and constraints.

From having a second look at savings strategies through to D-Day (Decumulation Day), find ideas to create a retirement paycheque for your client.

$89.95

$89.95

Retirement Income: Building Towards Answers

Provincial Life Credits: 9 credits (BC, AB, MB, ON) (8 credits SK)
CFP® Certificants: 9 credits (Financial Planning)

Every person who is 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.

  • Discover how to conduct a comprehensive review of the client’s financial circumstance to assess whether retirement savings can support retirement;
  • Learn sales opportunities for life policies and annuities;
  • Benefit from an in-depth approach to one of the greatest financial planning challenges: retirement.

$94.95

$94.95

RRIF Management: Opportunities and Challenges

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

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.

  • Learn how to best guide decisions for a RRIF;
  • Get information on rules, risk considerations and investment fund choices;
  • Ensure the RRIF is the suitable maturity choice for your client’s RRSP.
RRIF Management: Opportunities and Challenges

$69.95

$69.95

Segregated Fund Investing

Provincial Life Credits: 5 credits (BC, SK, MB, ON; AB: 4.75)
CFP® Certificants: 5 credits (Financial Planning)
Filled with key advising points, this course can help you and your clients to become converts to seg funds. Review the many benefits to segregated fund investing: show the advantages of guarantees, resets, beneficiary designations, and probate bypass. There is enormous market potential thanks to the increasing senior population. Add the benefits and the market together, and you’ll come out a winner!

This course ramps up your seg fund know-how in an easy-to-read style that is free from manufacturers’ claims. Get excited about seg funds as a win-win investment opportunity.

  • Employ the built-in benefits of a segregated fund policy with your clients to show how to limit loss and enhance gains;
  • Link the advantages of seg funds to client needs for guarantees, probate bypass, and beneficiary designations;
  • Ramp up your know-how on key points of advice.

$69.95

$69.95

SETTING THE MORAL COMPASS: Professional Responsibility for Financial Advisors

Provincial Life Credits: 5 credits (BC, AB, MB, ON)
Provincial A&S Credits: 5 credits (AB, SK, MB, ON)
CFP® Certificants: 5 credits (Financial Planning)
ICS Life Credits: 5 credits (including 2 Ethics)

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

The content of this course is organized around your requirements for knowledge; knowledge of the standards of conduct that apply to your job; knowledge of your client; knowledge of how to attain suitability; knowledge of the necessity of disclosure; and, knowledge of conflict of interest.

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.

  • Set your moral compass in the direction of professional responsibility through knowing your client, ensuring suitability, fulfilling disclosure, and putting client interests first;
  • Meet regulator expectations as expressed in client-focussed reforms;
  • Explore short case studies that illustrate concepts and help understanding.
SETTING THE MORAL COMPASS: Professional Responsibility for Financial Advisors

$74.95

$74.95

Sound Business Practices for Life Agents to Stay Compliant

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

Review the fundamentals of compliance and receive practical instruction on how to implement these fundamentals. Find encouragement to follow practices that are going to be good for business!

Written in a down-to-earth style that addresses many of the practicalities agents face, the agent/advisor gets both the benefit of “why-to” and “how-to” in logical, easy-to-follow instructions and advice.

  • Learn why good business practices are good for business;
  • Review compliance fundamentals and how to implement these fundamentals.
Sound Business Practices for Life Agents to Stay Compliant

$29.95

$29.95

SUDDEN WEALTH: Managing a Windfall from Inheritance, Home Equity, or Business Proceeds

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

Receiving a large sum of money can be a source of great joy or deep guilt. Regardless of whether it is bestowed by a sweet twist of fate or other—less happy —circumstances the money needs professional management to be appropriately used, sustained and grow. The amount received may exceed previous money-management experience of its receivers, leaving them uncertain as to what to do or the best thing to do.

That is where you come in — with a plan to turn sudden wealth into a comfortable long-term lifestyle. If your client expects to inherit, to receive the value of a DCP, to earn equity from a business sale or sale of other property, you will want to begin wealth coaching long before the money is in the bank.

  • Learn the ropes for managing the scope, challenges and benefits of sudden wealth;
  • Implement strategies for saving, investing, insuring and gifting;
  • Explore the details on legal and tax matters.

$89.95

$89.95

A Surviving Spouse: Insurance Considerations and Financial Plans

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

The death of a spouse can introduce financial anxiety over what to do with the estate, not to mention the survivor’s financial security and future plans.

This course brings together those challenges to show considerations and consequences of a spouse’s death. It covers a broad range of insurance and investment matters relevant to the survivor.

The course equips you to plan ahead for both spouses and the survivor’s needs alone. You will better understand the magnitude of issues to be addressed, and the means by which answers can be found and implemented.

  • Covers a broad range of insurance and investment matters relevant to a surviving spouse’s changed circumstances;
  • Equips you to plan ahead for both spouses and the survivor’s needs alone;
  • Adds to your perspective about retirement planning while delivering lots of can-do ideas.

$84.95

$84.95

Taking Care of Business: Insurance Needs of Business Owners

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

Look around: there are small business owners everywhere. Your coffee shop, hair dresser, restaurants, car dealers, computer shops, florist, butcher, baker, and candlestick maker. These owners are invested in their business. If they only knew how insurance protects their investment.

You can illustrate the protection offered by insurance with answers to questions that may be as fundamental as the necessity of insurance — and as complex as the models of shareowner buy-outs. This course shows how.

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

$84.95

$84.95

A Trusted Contact Person: Role and Responsibilities

Provincial Life Credits: 2 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 2 credits (AB, SK, MB, ON)
CFP® Certificants: 2 credits (Financial Planning)
IIROC Credits: 2 credits (Professional Development)
MFDA Credits: 2 credits (Professional Development)
General Credits: 2 credits (BC, AB, SK, MB, ON)

The naming of a trusted contact person (TCP) to an investment account is an excellent idea for customer and advisor alike. Although it is not a requirement, the TCP nomination has been implemented to deter financial exploitation and safeguard financial assets. As such, it seems directed towards older adults, but, in fact, is useful for people of any age and should be used by people of all ages.

In this course you will:

  • Learn what the job description for a TCP is and how those duties are carried out;
  • Receive the essential background on the need for a TCP and its role in risk management;
  • Get pointers on initiating the TCP conversation with clients.

$34.95

$34.95

Why Ethics Matter

Provincial Life Credits: 3 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 3 credits (AB, SK, MB, ON)
CFP® Certificants: 3 credits (1 Financial Planning, 2 Professional Responsibility)
Institute Members: 3 credits (includes 1 Ethics)
IIROC Credits: 3 credits (Compliance)
MFDA Credits: 3 credits (Business Conduct – Ethics)
General Credits: 3 credits (BC, AB, SK, MB, ON)
Adjusters: 3 credits (BC, AB)

What makes ethics important?

Ethics matter because they guide the notion of what is right — a concept firmly ensconced in the directive to put client interests first. This directive is broad in scope and challenging to implement. Yet, putting client interest first is now a requirement of the client-focussed reforms adopted by the Canadian Securities Administrators. It cannot be ignored or sidelined.

This course will help you understand what ethics is and the many reasons ethics matter. You will read case studies and many practical applications of ethical principles. Finally, you will wrap up with ideas to develop your own code of ethics for professional success.

  • Understand the reasons ethics are essential personally and professionally;
  • Read case studies that illustrate ethical lapses;
  • Discover how to become a more ethical

$44.95

$44.95

Women – Their Financial and Insurance Needs

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

Single women — whether with dependents, 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.

  • Recognize the special characteristics of women that relate to their financial planning and insurance needs;
  • Gain insight into challenges women face, such as lower incomes and longer lifespans;
  • Help women create a suitable and stable financial life.
Women – Their Financial and Insurance Needs

$84.95

$84.95

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