Description: In this course, we will identify the rules for getting and keeping the best employees under the following headings: 1. The Great Boss Success Formula 2. Follow the Leader 3. Will the Real Boss Stand Up? 4. Lose Customers or Lose Employees 5. Mediocrity 6. Hire Slow 7. Hiring is a Promise 8. Delegate 9. Pay Attention! 10. Well-done! 11. Confronting 12. Be Firm, Fair, and Friendly
Access Duration: 12 Month(s)
Credit Hours: 2
Credit Type: General Subjects -
Credit #: CSF09-11-21929
Accrediting Provinces:

Description: The objectives of Lesson 1 are to: Describe the laws contained in provincial Uniform Accident and Sickness Insurance Acts Explain the rights of both insurer and insured under those laws Explain when an insurance contract can be varied according to the needs of the insured, and in what ways it can be done The objectives of Lesson 2 are to: Clarify the definition of an Insurance Agent Explain the laws that bind licensed agents, and the rights that agents are entitled to Describe the responsibilities of an insurance agent to both the insurer and the insured The objectives of Lesson 3 are to: Complete the Final Quiz
Access Duration: 12 Month(s)
Credit Hours: 4
Credit Type: A&S -
Credit #: AIC18184;MB12303
Accrediting Provinces:

Description: The objectives of Lesson 1 are to: Explain to the student the differences between Public, Individual and Group insurance policies Describe the benefits offered by each type of insurance Describe the restrictions and qualifiers which define the benefits that an insured person will receive The objectives of Lesson 2 are to: Explain to the student the factors involved in determining a premium amount for an insured person Explain the differences in this process between Individual and Group insurance
Access Duration: 12 Month(s)
Credit Hours: 3
Credit Type: A&S -
Credit #: AIC18183;MB12302
Accrediting Provinces:

Description: In Part Two of this two-part course, we will focus on how we can help our clients achieve their financial goals. As financial planners, it is important that we have a working knowledge of the investment strategies required as well as a comprehensive knowledge of the various investment products available. In this course, we will look at the area of investments under the following headings: 1. Planning Your Investments 2. Major Concepts for Financial Planners 3. Debt Markets 4. Equity Markets 5. Taxes, Inflation and Investment Planning 6. Investment Strategies 7. Glossary of Terms Lisences: AIC# 5591
Access Duration: 12 Month(s)
Credit Hours: 3
Credit Type: Life -
Credit #: AIC# 5591; MB3149
Accrediting Provinces:

Description: The information in this course is aimed to educate agents about the Financial and Estate Planning Process. In this course, we will look at the Financial and Estate Planning Process under the following headings: 1. Financial Planning - An Introduction 2. Financial Planning - The Planning Process 3. Financial Services Professionals 4. Glossary of Terms used in the Financial Planning Process 5. Estate Planning 6. Estate Planning Techniques Lisences: AIC# 5595
Access Duration: 12 Month(s)
Credit Hours: 3
Credit Type: Life -
Credit #: AIC# 5595; MB3150
Accrediting Provinces:

Description: The discussion of corporate Group Insurance and Retirement plans will focus on the following topics, specifically: Corporate Benefits Programs 1. Group Insurance - General Characteristics 2. Group Disability Plans 3. Health Care Plans - Extended Health Care 4. Contributory and Non-Contributory Group Plans 5. Association Group Insurance 6. Corporate Registered Pension Plans (RPPs) 7. Glossary of Pension Terms
Access Duration: 12 Month(s)
Credit Hours: 3
Credit Type: Group Ins. of Person -
Credit #: CSF08-12-19774
Accrediting Provinces:

Description: In this course, we will look at the basic fundamentals of life insurance, paying attention to risk and risk retention, agent responsibilities and development, under the following headings: 1. Risk and Retention 2. Risk Management 3. Insurance and Risk Management 4. Agent's Responsibilities
Access Duration: 12 Month(s)
Credit Hours: 3
Credit Type: Insurance of Persons -
Credit #: CSF08-12-19776
Accrediting Provinces:

Description: This seminar is filled with technical details about the Individual Pension Plan (IPP) strategy. The aim of most participants taking this seminar would be to gain an understanding of what an IPP is, how the deductions are created, as well as a practical framework on how they work. Most seminar participants will be advisors to clients looking at the IPP strategy. They will want to work with the seminar material to gain a comfort level with the topic so they can advise on the strategy. For these reasons, I believe a creative approach to the material is to write it in a “story format”. While the story-line is relatively thin, it will be developed to the extend to: • Hold the interest of the seminar participant so that the details communicated are conveyed in an easier to read format. • Offer role playing scenarios so the advisor can see how various professionals interact with clients of this topic. • Demonstrate a client’s perspective on the strategy and the common objections that need to be overcome when communicating the strategy. • Identify with the seminar participant as they work to gain an understanding of the material. As the main character works his way through the material, so will the seminar participant. AIC#22185 MB3278
Access Duration: 12 Month(s)
Credit Hours: 4
Credit Type: Life - A&S
Credit #: AIC # 22185; MB3278
Accrediting Provinces:

Description:

The service experts all agree that every time a customer leaves our premises, they will form an opinion of how well they have been served. If we do a good job in meeting their service expectations, they will be satisfied, tell others, and come back. If we don't do a good job, they won't be back and worse still, they will tell others about we've failed them.

The message provided in this workshop is simply this: Develop a formal customer service program before your competitors do - it will help you to grow and prosper!

Access Duration: 12 Month(s)
Credit Hours: 2
Credit Type: General Subjects -
Credit #: CSF09-11-21936
Accrediting Provinces:

Description: Annual Life Subscription
Total Number of Courses: 46
Total Number of Credit Hours: 125
Price per Credit Hour in this package: $2.4

Description: Learning Objectives: • The advantages of purchasing an RRIF over other investment options • The different types of RRIFs that can be purchased and the advantages and disadvantages of each option. • How to plan which type of RRIF best suits your individual needs • The tax implications involved in withdrawing money from an RRIF. • The preferred maturity option that best suits an individual person’s financial criteria. • Foreign content rules and the advantages of investing in foreign content in regards to maturity options. • The tax implications involved regarding RRIFs. • The advantages of RRIFs over annuities.
Access Duration: 12 Month(s)
Credit Hours: 3
Credit Type: Life/A&S -
Credit #: AIC18373;MB12567
Accrediting Provinces:

Description: Learning Objectives: The choices persons have in what they do with their RRSPs, once they reach age 71 The important considerations those over age 71 must make in order to continue their retirement’s wealth accumulation The tax implications involved regarding the maturity options that RRSPs holders choose The advantages of ‘income-splitting’, concerning RRSP spouses The differences between Term-Certain annuities and Life annuities and the advantages and disadvantages of both. The important factors that affect which annuity may be beneficial for each individual. The ideal time for an individual to purchase an annuity. The implications involved regarding who benefits from remaining payments if the annuity holder dies.
Access Duration: 12 Month(s)
Credit Hours: 3
Credit Type: General Subjects -
Credit #: CSF09-11-21946
Accrediting Provinces:

Description: Learning Objectives: • The advantages of purchasing an RRIF over other investment options • The different types of RRIFs that can be purchased and the advantages and disadvantages of each option. • How to plan which type of RRIF best suits your individual needs • The tax implications involved in withdrawing money from an RRIF. • The preferred maturity option that best suits an individual person’s financial criteria. • Foreign content rules and the advantages of investing in foreign content in regards to maturity options. • The tax implications involved regarding RRIFs. • The advantages of RRIFs over annuities.
Access Duration: 12 Month(s)
Credit Hours: 3
Credit Type: General Subjects -
Credit #: CSF09-11-21940
Accrediting Provinces:

Description: Learning Objectives • Describe some of the difficulties inherent in working as a professional • Describe some solutions to the financial difficulties unique to the professional • Describe the changes that have come about with the shift to the new Knowledge Workplace • Explain the role of the manager in helping his/her organization to successfully transition to this new model Explain the role of the manager in helping his/her organization to successfully transition to this new model • Describe the role that communication has played throughout humanity’s history • Explain the benefits of effective communications in the new knowledge workplace • Describe some of the problems that poor communication skills can cause in the workplace, and explain the need for all people in an organization to learn to communicate effectively
Access Duration: 12 Month(s)
Credit Hours: 4
Credit Type: Life/A&S -
Credit #: AIC:19197; MB:13925
Accrediting Provinces:

Description: Chsf Subscription
Total Number of Courses: 28
Total Number of Credit Hours: 67
Price per Credit Hour in this package: $3.73

Description: This course covers the following: • RRIFs and Annuities: The Preferred Maturity Option • Your RRIF and Foreign Content Rules • Examples of New RRIF Flexibility • Examples of the 'Minimum Payment' and 'Interest-only' RRIFs • Questions and Answers about RRIFs • Spousal RRIFs and Taxation Considerations • RRIFs and The Under age 71 Rule
Access Duration: 12 Month(s)
Credit Hours: 3
Credit Type: Group Savings Plan B -
Credit #: CSF09-11-21907
Accrediting Provinces:

Description: This course discusses the following: • Schedule of Contributions • How the Retirement Pension Is Calculated • Spouses Sharing CPP/QPP Retirement Pensions • Spouses Sharing Pensionable Earnings • The CPP/QPP Disability Pension • Pensions for Surviving Spouses • The Old Age Security Program (OAS)
Access Duration: 12 Month(s)
Credit Hours: 2
Credit Type: Insurance of Persons -
Credit #: CSF09-11-21899
Accrediting Provinces:

Description: Dr. Marius Barnard, of South Africa, developed Critical Illness Insurance in 1983. Dr. Barnard is the brother of Christian Barnard, the doctor who performed the first successful open heart transplant surgery. Dr. Marius Barnard, also a cardiac surgeon, was acutely aware of both the financial and emotional toll that his heart surgery patients experienced. He saw a need for insurance that paid a 'living benefit' to those who survived a major illness to: * offset lost income; and * pay additional expenses. Licenses: AIC# 235;
Access Duration: 12 Month(s)
Credit Hours: 3
Credit Type: Life(except AB) - A&S
Credit #: AIC# 235; MB3158
Accrediting Provinces:

Description: Giving money to charity provides many benefits to both the community and the donor. This course is designed to provide guidance to insurance advisors so they can help their clients to determine the most cost-effective way to structure their donations. Lisences: AIC# 239
Access Duration: 12 Month(s)
Credit Hours: 3
Credit Type: Life -
Credit #: AIC# 239; MB3159
Accrediting Provinces:

Description: In this course, we will look at the basic skills of organization and prioritizing, time management myths and the skills needed to be as productive as possible, under the following headings: 1. Organization and basic scheduling 2. Time management misconceptions 3. First priority: prioritizing 4. Time killer: procrastination 5. Goals, blocks, clusters and distractions
Access Duration: 12 Month(s)
Credit Hours: 2
Credit Type: General Subjects -
Credit #: CSF09-11-21926
Accrediting Provinces:

Description: In this course, we will look at basic skills of delegating, anticipating unexpected events and the technological tools to help with efficiency, under the following headings: 1. Delegating 2. Saying No 3. Anticipation 4. Time Crimes 5. Tools Of The Time Management Trade
Access Duration: 12 Month(s)
Credit Hours: 2
Credit Type: General Subjects -
Credit #: CSF09-11-21935
Accrediting Provinces:

Description: The foundation of any sound financial plan is Income Replacement Insurance. Its purpose is simple: to replace an individual's income should they be unable to work as a result of either an accident or a sickness. Upon completion of this seminar, you will be able to: * Identify a qualified prospect for Income Replacement Insurance. * Describe the various government plans. * Explain the differences between Association/Group coverage and non-cancellable individual coverage. * Explain what Financial Underwriting means. * Explain what Medical Underwriting means. Lisences: AIC# 232
Access Duration: 12 Month(s)
Credit Hours: 3
Credit Type: Life(except AB) - A&S
Credit #: AIC# 232; MB3162
Accrediting Provinces:

Description: In Disability (Income Replacement) Insurance - Part One, we reviewed: * How to identify a qualified prospect for income replacement. * The government plans that provide disability benefits. * The differences between Association/Group coverage and non-cancellable individual coverage. * The different plans available for individuals. * Financial Underwriting. * Medical Underwriting. In Part Two we will review: * The riders and benefits that can be added to disability plans. * How to sell disability income plans for individuals. * The business market for disability income plans. * Plans specifically designed for the business market. Lisences: AIC# 233
Access Duration: 12 Month(s)
Credit Hours: 3
Credit Type: Life(except AB) - A&S
Credit #: AIC# 233; MB3163
Accrediting Provinces:

Description: Ce cours couvre les sujets suivant: Clauses de polices · Bénéfice garanti d'assurabilité (Guaranteed Insurability Benefit) · Indemnité de décès accidentel (Accidental Death Benefit) · Exonération de prime incapacité totale (Total Disability Waiver of Premium) · Exonération parentale (Parent Waiver) · Conclusion – Les clauses attachées
Access Duration: 12 Month(s)
Credit Hours: 1
Credit Type: Insurance of Persons -
Credit #: CSF09-11-21924
Accrediting Provinces:

Description: Learning Objectives • Explain the term “ethics” as it applies to the knowledge workplace • Describe the interaction between the conscious and unconscious, and the role that this interaction plays in forming an individual’s code of ethics • Describe the impact that unconscious perceptions have on a person’s conscious conceptions of reality • Describe the responsibilities that an insurance representative holds • Introduce and explain the Code of Ethics and laws that apply to insurance representatives • Describe the goals of a good insurance representative • Explain the importance of knowing one’s client in providing the best service • Describe appropriate, professional behaviour for an agent
Access Duration: 12 Month(s)
Credit Hours: 3
Credit Type: Compliance -
Credit #: CSF09-06-21127
Accrediting Provinces:

Description: Learning Objectives • Introduce and describe the difference between “actual” and “apparent” authority The objective of Lesson 2 is to: • Describe the legal liabilities between an agent and his/her principal The objective of Lesson 3 is to: • Describe the role and responsibilities of an agent
Access Duration: 12 Month(s)
Credit Hours: 3
Credit Type: Compliance -
Credit #: CSF09-06-21128
Accrediting Provinces:

Description: Learning Objectives • Describe the role and responsibilities of an agent The objectives of this Lesson 8 are to: • Describe the obligations an agent has toward a client/prospective client • Describe some of the rules that govern investment advertising • Describe further the obligations and appropriate behaviour of professionals • Describe positive interactions between different types of professionals • Explain the tasks involved in a claims settlement, and describe positive behaviour when dealing with survivors and beneficiaries
Access Duration: 12 Month(s)
Credit Hours: 3
Credit Type: Compliance -
Credit #: CSF09-06-21129
Accrediting Provinces:

Description: Learning Objectives • Describe some of the difficulties inherent in working as a professional • Describe some solutions to the financial difficulties unique to the professional • Describe the changes that have come about with the shift to the new Knowledge Workplace • Explain the role of the manager in helping his/her organization to successfully transition to this new model
Access Duration: 12 Month(s)
Credit Hours: 3
Credit Type: Compliance -
Credit #: CSF09-06-21132
Accrediting Provinces:

Description: Learning Objectives • Explain the role of the manager in helping his/her organization to successfully transition to this new model • Describe the role that communication has played throughout humanity’s history • Explain the benefits of effective communications in the new knowledge workplace • Describe some of the problems that poor communication skills can cause in the workplace, and explain the need for all people in an organization to learn to communicate effectively
Access Duration: 12 Month(s)
Credit Hours: 3
Credit Type: Compliance -
Credit #: CSF09-06-21133
Accrediting Provinces:

Description: This course covers the following topics: How Premiums Are Calculated Mortality Experience • Non-smoker premiums • Fraudulent smoking declarations • Interest Earnings (3-8 to 1) Operating Expenses Rating for Substandard Risks
Access Duration: 12 Month(s)
Credit Hours: 2
Credit Type: Group Ins. of Person -
Credit #: CSF09-11-21896
Accrediting Provinces:

Description: This course discusses: The Public Pension System • Canada and Quebec Pension Plans {CPP & QPP} Private Pensions • Employer Pension Plans • Types of Private RPPs are generally known as • Defined Benefit Plan (DBP) • Defined Contribution Plan (DCP) • Deferred Profit-Sharing Plan (DPSP) • Group Registered Retirement Savings Plan
Access Duration: 12 Month(s)
Credit Hours: 2
Credit Type: Group Ins. of Person -
Credit #: CSF09-11-21895
Accrediting Provinces:

Description: This course covers the Group Accident and Sickness Insurance: • The Weekly Income Benefit • Long-Term Disability {LTD} Insurance • The Accidental Death and Dismemberment Benefit (AD & D) • Extended Health Care Benefits Also, Contributions to Group Plans and the Registered Pension Plans {RPPs}
Access Duration: 12 Month(s)
Credit Hours: 3
Credit Type: Group Ins. of Person -
Credit #: CSF09-11-21938
Accrediting Provinces:

Description: This course covers the following: • Limitations of Group Plans • Fundamental Principles • Advantages of Group Insurance • Types of Group Plan • Types of Group Benefits
Access Duration: 12 Month(s)
Credit Hours: 3
Credit Type: Group Ins. of Person -
Credit #: CSF09-11-21928
Accrediting Provinces:

Description: This course covers the Group Accident and Sickness Insurance: • The Weekly Income Benefit • Long-Term Disability {LTD} Insurance • The Accidental Death and Dismemberment Benefit (AD & D) • Extended Health Care Benefits Also, Contributions to Group Plans and the Registered Pension Plans {RPPs}
Access Duration: 12 Month(s)
Credit Hours: 3
Credit Type: Life/A&S -
Credit #: AIC18389;MB12585
Accrediting Provinces:

Description: This course covers the following: • Limitations of Group Plans • Fundamental Principles • Advantages of Group Insurance • Types of Group Plan • Types of Group Benefits
Access Duration: 12 Month(s)
Credit Hours: 2
Credit Type: Life/A&S -
Credit #: AIC18388;MB12584
Accrediting Provinces:

Description: This course covers the following topics: How Premiums Are Calculated Mortality Experience • Non-smoker premiums • Fraudulent smoking declarations • Interest Earnings (3-8 to 1) Operating Expenses Rating for Substandard Risks
Access Duration: 12 Month(s)
Credit Hours: 2
Credit Type: Life -
Credit #: AIC18384;MB12579
Accrediting Provinces:

Description: Your Personal Investment: Money Market Funds • The 3 Types of Investment Assets Fixed Income Funds (e.g. Bonds) • Debt Investments • Special Features of Bonds and Debentures Common and Preferred Shares/Securities (Equity Growth) Chapter 15: Investing: Your Personal Investment - Part 2: The Stock Market & Securities • 1. Price Volatility: • 2. Stock Trading • 3. Common Shares • 4. Preferred Shares • 5. Investment Return
Access Duration: 12 Month(s)
Credit Hours: 2
Credit Type: Group Savings Plan B -
Credit #: CSF09-11-21906
Accrediting Provinces:

Description: Closed-end And Open-End Funds:Investment Risks and Management • Inflation Risk • Interest Rate Risk • Market Risk • Business Risk • Balance Investment and Other Risks • Diversify Investments: This is a Crucially Important Investment Concept
Access Duration: 12 Month(s)
Credit Hours: 3
Credit Type: Group Savings Plan B -
Credit #: CSF09-11-21943
Accrediting Provinces:

Description: Learning Objectives: The objectives of Lessons 1-3 are to: • Introduce and explain the 3 types of investment instruments and their respective variations. • Explain the major types of investment-product opportunities, and to show the differences between investment saving and wealth accumulation as they relate to wealth accumulation. • Explain and illustrate the “Rule of 72”, as it relates to wealth accumulation.
Access Duration: 12 Month(s)
Credit Hours: 2
Credit Type: Life/A&S -
Credit #: AIC#17488; MB11465
Accrediting Provinces:

Description: Learning Objectives: The objectives of Lesson 1 are to, • Explain, illustrate, and demonstrate the structure, form, and operations of the stock market, as it relates to financial & retirement planning and investing. • Demonstrate the differences between the major types of equity stocks. • To explain, illustrate, and demonstrate the 3 types of investment income received from investing in the stock market (interest, dividends, capital gains). • Allow the participants/clients to determine by completing a questionnaire, where they fit in on the ‘risk’ level (low, medium, high), and how the respective risk level affects their earning investment opportunities. The objectives of Lesson 2 are to: • Explain, illustrate and demonstrate the concept of mutual funds as an investment devices • To understand the structure, form, and workings of mutual funds, and especially how they differ from segregated funds sold by insurance companies • To explain and demonstrate the various types of mutual fund administration fees (e.g. open-end funds, closed-end funds, and Management Fees {MER}), in order for the participants/clients to prudently select mutual fund companies that offer the lowest administrative costs The objectives of Lesson 3 are to: • Explain inflation and demonstrate how it can affect investment • Describe the investment risk that changing interest rates can create. • To demonstrate the importance of diversifying investments
Access Duration: 12 Month(s)
Credit Hours: 2
Credit Type: Life/A&S -
Credit #: AIC#17489;MB11466
Accrediting Provinces:

Description: Objectifs de cours: Dans ce cours, nous allons identifier les règles pour obtenir et garder les meilleurs employés sous les titres suivants : 1. La formule à succès du bon patron 2. Suivez le chef 3. Est-ce que le vrai patron veut bien se lever? 4. Perdre des clients ou perdre des employés 5. La médiocrité 6. Prendre son temps avant d’embaucher 7. Embaucher est une promesse 8. Déléguez 9. Portez attention! 10.Bon travail! 11.La confrontation 12.Être ferme, juste et amical
Access Duration: 12 Month(s)
Credit Hours: 2
Credit Type: General Subjects -
Credit #: CSF09-11-21929
Accrediting Provinces:

Description: Ce cours couvre les sujets suivant: Comment les primes sont calculées Expérience de mortalités Primes pour non-fumeurs Déclarations frauduleuses de tabagisme Gains d’intérêts (3-8 pour 1) Coûts d’opérations Évaluations des risques sous-standards
Access Duration: 12 Month(s)
Credit Hours: 2
Credit Type: Insurance of Persons -
Credit #: CSF09-11-21896
Accrediting Provinces:

Description: La plupart d’entre-nous dans le commerce d’assurances savent que les produits et services de nos concurrents ne sont pas tellement différents des nôtres… et qu’il y a généralement presque ou aucune différence de prix entre ceux-ci. Toutefois, il existe des courtiers et des agences qui réussissent mieux que d’autres.
Access Duration: 12 Month(s)
Credit Hours: 2
Credit Type: General Subjects -
Credit #: CSF09-11-21911
Accrediting Provinces:

Description: La plupart d’entre-nous dans le commerce d’assurances savent que les produits et services de nos concurrents ne sont pas tellement différents des nôtres… et qu’il y a généralement presque ou aucune différence de prix entre ceux-ci. Toutefois, il existe des courtiers et des agences qui réussissent mieux que d’autres.
Access Duration: 12 Month(s)
Credit Hours: 2
Credit Type: General Subject -
Credit #: CSF09-11-21902
Accrediting Provinces:

Description: The discussion of corporate Group Insurance and Retirement plans will focus on the following topics, specifically: Corporate Benefits Programs 1. Group Insurance - General Characteristics 2. Group Disability Plans 3. Health Care Plans - Extended Health Care 4. Contributory and Non-Contributory Group Plans 5. Association Group Insurance 6. Corporate Registered Pension Plans (RPPs) 7. Glossary of Pension Terms
Access Duration: 12 Month(s)
Credit Hours: 3
Credit Type: Life/A&S -
Credit #: AIC18363;MB12557
Accrediting Provinces:

Description: The information in this course is aimed to educate agents about the sources and contract provisions of disability insurance. This discussion of disability insurance will proceed as follows: 1. Introduction: The Need for Disability Insurance 2. Sources of Disability Insurance * Public Sector Plans * Corporate Sector Plans * Individual Contracts Lisences: AIC# 5497;
Access Duration: 12 Month(s)
Credit Hours: 3
Credit Type: Life(except AB) - A&S
Credit #: AIC# 5497; MB3215
Accrediting Provinces:

Description: In this course, we will look at the basic fundamentals of life insurance, paying attention to the history, marketing, evolution and types of insurance, under the following headings: 1. History Lesson 2. Going to Market 3. The Evolution of Life Insurance 4. Types of Insurers and Insurance Policies 5. Other Life Insurance Products 6. Contracts
Access Duration: 12 Month(s)
Credit Hours: 3
Credit Type: Insurance of Persons -
Credit #: CSF08-12-19775
Accrediting Provinces:

Description: In this course, we will look at cash flow management, budgets and how to use credit wisely, under the following headings: 1. Money Management - The Purpose 2. Money Management Styles 3. The Money Management Planning Process 4. Managing Your Credit 5. Glossary of Terms Lisences: AIC# 5488
Access Duration: 12 Month(s)
Credit Hours: 3
Credit Type: Life -
Credit #: AIC# 5488; MB3253
Accrediting Provinces:

Description: The information in Part Two of this two-part course is designed to educate agents about personal and professional money management. In this course, we will look at personal use assets (homes and automobiles), financing education and management of personal income and expenditures, under the following headings: 1. Personal Use Assets * Home Ownership * Additional Advantages of Home Ownership * Real Estate Law and Property Ownership * Personal Use Automobiles 2. Financing Education 3. Glossary of Taxation and Other Financial Terms 4. Personal Income and Expenditures Lisences: AIC# 5589
Access Duration: 12 Month(s)
Credit Hours: 3
Credit Type: Life -
Credit #: AIC# 5589; MB3154
Accrediting Provinces:

Description: The information in this course is aimed to educate agents on retirement planning strategies. In this course, we will look at sources of retirement income, types of funds and contracts and retirement planning processes under the following headings: 1. Sources of Retirement Income * Public Sector Plans: Canada Pension Plan and Old Age Security * Corporate Sponsored Plans * Registered Retirement Savings Plans * Personal Assets. 2. The Retirement Planning Process 3. Retirement Planning Checklists Lisences: AIC# 5593
Access Duration: 12 Month(s)
Credit Hours: 3
Credit Type: Life -
Credit #: AIC# 5593; MB3216
Accrediting Provinces:

Description: The information in this course is aimed to educate agents on basic principals of taxation. In this course, we will look at income and income sources, tax treatment, credits and other topics under the following headings: 1. Income Tax in General - Earned Income 2. Capital Gains - Taxation of Capital Gains and Losses 3. Deductions and Tax Credits 4. Income Tax and Life Insurance 5. Taxation and Annuities. AIC# 5594
Access Duration: 12 Month(s)
Credit Hours: 3
Credit Type: Life -
Credit #: AIC# 5594; MB3152
Accrediting Provinces:

Description: Between the time that a policy is sold and the time that it is issued, our most important responsibilities are to see that: 1. The application is clear, complete, accurate and easy to read. 2. We are actively involved in ensuring the medical examination is handled: * to the convenience of all concerned; and * as quickly as possible for the protection of the applicant. 3. The inspection report, if required, is accurate and not delayed through inaccuracies or carelessness. 4. We follow up on all questions and requests. 5. The client's advisors, such as their accountants or lawyers, are treated in the same manner that the client is treated. We need to make sure that we do not invade their areas of expertise. 6. All required forms are submitted at the time of the application. Additional forms could include, preferred underwriting questionnaires, critical illness questionnaires or, in the case of disability insurance, financial information such as tax returns.
Access Duration: 12 Month(s)
Credit Hours: 3
Credit Type: Life/A&S -
Credit #: AIC18368;MB12562
Accrediting Provinces:

Description: This course covers the following topics: -Protection Against Creditors -Settlement Options -Minors -Divorce -The Law Applicable to Quebec -Matters of History -Law 70 -Divorce Matrimonial regimes -Community of movables and acquests -Changes in matrimonial regime
Access Duration: 12 Month(s)
Credit Hours: 3
Credit Type: Insurance of Persons -
Credit #: CSF09-11-21905
Accrediting Provinces:

Description: This course covers topics such as: Policy Riders • Guaranteed Insurability Benefit {GIB} • Accidental Death Benefit {ADB} • Total Disability Waiver of Premium {TDWP} • Parent Waiver • Riders—Conclusion
Access Duration: 12 Month(s)
Credit Hours: 1
Credit Type: Life/A&S -
Credit #: AIC18386;MB12582
Accrediting Provinces:

Description: Term Insurance • Increasing Term • Decreasing Term • Fixed-Period Term • Renewability and Convertibility • Re-Entry Term • Term to 100 Plans Permanent Insurance • Whole Life • Cash Surrender Value • Participating and Non-Participating Plans • Interest Rate-Sensitive Policies • Adjustable Premium Whole Life • Universal Life
Access Duration: 12 Month(s)
Credit Hours: 2
Credit Type: Insurance of Persons -
Credit #: CSF09-11-21930
Accrediting Provinces:

Description: This course covers the following topics: How Premiums Are Calculated Mortality Experience • Non-smoker premiums • Fraudulent smoking declarations • Interest Earnings (3-8 to 1) Operating Expenses Rating for Substandard Risks Premium Offset Methods • Premium offset • Premium reduction • Premium offset using PUAs • Universal life
Access Duration: 12 Month(s)
Credit Hours: 2
Credit Type: Life/A&S -
Credit #: AIC:19196; MB:13938
Accrediting Provinces:

Description: Ce cours couvre les sujets suivant: Méthodes pour compenser les primes Compensation de primes Réduction de primes Compensation de primes en employant les bonifications d'assurance libérées Vie universelle
Access Duration: 12 Month(s)
Credit Hours: 2
Credit Type: Insurance of Persons -
Credit #: CSF09-11-21931
Accrediting Provinces:

Description: This course will cover topics such as: Premium Offset Methods • Premium offset • Premium reduction • Premium offset using PUAs • Universal life
Access Duration: 12 Month(s)
Credit Hours: 2
Credit Type: Insurance of Persons -
Credit #: CSF09-11-21931
Accrediting Provinces:

Description: In this course, we will look at the basic skills of organization and prioritizing, time management myths and the skills needed to be as productive as possible, under the following headings: 1. Organization and basic scheduling 2. Time management misconceptions 3. First priority: prioritizing 4. Time killer: procrastination 5. Goals, blocks, clusters and distractions
Access Duration: 12 Month(s)
Credit Hours: 2
Credit Type: Life/A&S -
Credit #: AIC18366;MB12560
Accrediting Provinces:

Description: Learning Objectives • Explain the term “ethics” as it applies to the knowledge workplace • Describe the interaction between the conscious and unconscious, and the role that this interaction plays in forming an individual’s code of ethics • Describe the impact that unconscious perceptions have on a person’s conscious conceptions of reality • Describe the responsibilities that an insurance representative holds • Introduce and explain the Code of Ethics and laws that apply to insurance representatives • Describe the goals of a good insurance representative • Explain the importance of knowing one’s client in providing the best service • Describe appropriate, professional behaviour for an agent
Access Duration: 12 Month(s)
Credit Hours: 3
Credit Type: Life/A&S -
Credit #: AIC18374;MB12568
Accrediting Provinces:

Description: In this course, we will look at the basic fundamentals of life insurance, paying attention to the history, marketing, evolution and types of insurance, under the following headings: 1. History Lesson 2. Going to Market 3. The Evolution of Life Insurance 4. Types of Insurers and Insurance Policies 5. Other Life Insurance Products 6. Contracts
Access Duration: 12 Month(s)
Credit Hours: 3
Credit Type: Life -
Credit #: AIC18364;MB12558
Accrediting Provinces:

Description: Most of us in the insurance business know that our competitors' products/services are not a lot different from our own . . . and there is generally little or no price difference between them. Yet, some agents and brokerages are more successful than others. What gives these agents and brokerages a competitive advantage? What are they doing right? How do they keep their competitive edge? Knowing the answers to these questions and acting on them would give us a competitive advantage. This is the first of two courses addressing these questions.
Access Duration: 12 Month(s)
Credit Hours: 2
Credit Type: Life/A&S -
Credit #: AIC18361;MB12555
Accrediting Provinces:

Description:

The Goal

The goal of this four part program is to assist you in formalizing your service policy - to put your plan in writing so that everyone in your organization knows how you want customers to be treated.

This is a critical factor for success. It's something that all businesses should do.

Access Duration: 12 Month(s)
Credit Hours: 2
Credit Type: General Subjects -
Credit #: CSF09-11-21909
Accrediting Provinces:

Description: If you ask almost any working adult what particular skill she or he possesses that makes that person feel good about possessing, most likely the response will be, "That I'm a good communicator.” Why? "Because I'm a good listener." Sound familiar? Think, maybe, that would also be your response to the question? Hopefully, it would.
Access Duration: 12 Month(s)
Credit Hours: 3
Credit Type: Life/A&S -
Credit #: AIC18369;MB12563
Accrediting Provinces:

Description: If you ask almost any working adult what particular skill she or he possesses that makes that person feel good about possessing, most likely the response will be, "That I'm a good communicator.” Why? "Because I'm a good listener." Sound familiar? Think, maybe, that would also be your response to the question? Hopefully, it would.
Access Duration: 12 Month(s)
Credit Hours: 3
Credit Type: General Subjects -
Credit #: CSF09-11-21941
Accrediting Provinces:

Description: The information in this course is taken from a book entitled 201 Ways to Deal With Difficult People by Alan Axelrod and Jim Holtje. In this course, we will look at how you can turn "close encounters of the worst kind" into productive and enjoyable exchanges with your co-workers and your customers.
Access Duration: 12 Month(s)
Credit Hours: 2
Credit Type: General Subjects -
Credit #: CSF09-11-21900
Accrediting Provinces:

Description: In this course, we will look at basic skills of delegating, anticipating unexpected events and the technological tools to help with efficiency, under the following headings: 1. Delegating 2. Saying No 3. Anticipation 4. Time Crimes 5. Tools Of The Time Management Trade
Access Duration: 12 Month(s)
Credit Hours: 2
Credit Type: Life/A&S -
Credit #: AIC18367;MB12561
Accrediting Provinces:

Description: Learning Objectives • Introduce and describe the difference between “actual” and “apparent” authority The objective of Lesson 2 is to: • Describe the legal liabilities between an agent and his/her principal The objective of Lesson 3 is to: • Describe the role and responsibilities of an agent
Access Duration: 12 Month(s)
Credit Hours: 3
Credit Type: Life/A&S -
Credit #: AIC18375;MB12569
Accrediting Provinces:

Description: In this course, we will look at the basic fundamentals of life insurance, paying attention to risk and risk retention, agent responsibilities and development, under the following headings: 1. Risk and Retention 2. Risk Management 3. Insurance and Risk Management 4. Agent's Responsibilities
Access Duration: 12 Month(s)
Credit Hours: 3
Credit Type: Life -
Credit #: AIC18365;MB12559
Accrediting Provinces:

Description: Most of us in the insurance business know that our competitors' products/services are not a lot different from our own . . . and there is generally little or no price difference between them. Yet, some agents and brokerages are more successful than others. What gives these agents and brokerages a competitive advantage? What are they doing right? How do they keep their competitive edge? Knowing the answers to these questions and acting on them would give us a competitive advantage. This is the second of two courses addressing these questions.
Access Duration: 12 Month(s)
Credit Hours: 2
Credit Type: Life/A&S -
Credit #: AIC18362;MB12556
Accrediting Provinces:

Description:

The Goal

The goal of this four part program is to assist you in formalizing your service policy - to put your plan in writing so that everyone in your organization knows how you want customers to be treated.

This is a critical factor for success. It's something that all businesses should do.

Access Duration: 12 Month(s)
Credit Hours: 2
Credit Type: General Subjects -
Credit #: CSF09-11-21903
Accrediting Provinces:

Description: Explain and demonstrate the make-up of ‘selective perception’, especially how it is influenced by social conditioning • Explain, demonstrate, and illustrate the strong role ‘selective perception’ plays in communications breakdown • To explain and demonstrate how ‘selective perception’ can be minimized, therefore improving effective communications.
Access Duration: 12 Month(s)
Credit Hours: 2
Credit Type: Life/A&S -
Credit #: AIC18370;MB12564
Accrediting Provinces:

Description: Explain and demonstrate the make-up of ‘selective perception’, especially how it is influenced by social conditioning • Explain, demonstrate, and illustrate the strong role ‘selective perception’ plays in communications breakdown • To explain and demonstrate how ‘selective perception’ can be minimized, therefore improving effective communications
Access Duration: 12 Month(s)
Credit Hours: 2
Credit Type: General Subjects -
Credit #: CSF09-11-21942
Accrediting Provinces:

Description: In this course, we will look at skills required to deal with difficult people under the following headings: Difficulty #1 - Laziness Difficulty #2 – The Bullying Boss Difficulty #3 – Constant Critics Difficulty #4 – Perpetual Perfectionists Difficulty #5 – The Stubborn Ones Difficulty #6 – Morale Busters Difficulty #7 – Too Much Silence Difficulty #8 - Faultfinders Difficulty #9 - Venting
Access Duration: 12 Month(s)
Credit Hours: 2
Credit Type: General Subjects -
Credit #: CSF09-11-21901
Accrediting Provinces:

Description: This course examines and practically applies the essential business-writing techniques to the workplace.
Access Duration: 12 Month(s)
Credit Hours: 3
Credit Type: Life/A&S -
Credit #: AIC:19198; MB:13943
Accrediting Provinces:

Description:

The Goal

The goal of this four part program is to assist you in formalizing your service policy - to put your plan in writing so that everyone in your organization knows how you want customers to be treated.

This is a critical factor for success. It's something that all businesses should do.

Access Duration: 12 Month(s)
Credit Hours: 2
Credit Type: General Subjects -
Credit #: CSF09-11-21897
Accrediting Provinces:

Description: This course examines and practically applies the essential business-writing techniques to the workplace.
Access Duration: 12 Month(s)
Credit Hours: 2
Credit Type: Life/A&S -
Credit #: AIC:19199; MB:13944
Accrediting Provinces:

Description:

The Goal

The goal of this four part program is to assist you in formalizing your service policy - to put your plan in writing so that everyone in your organization knows how you want customers to be treated.

This is a critical factor for success. It's something that all businesses should do.

Access Duration: 12 Month(s)
Credit Hours: 2
Credit Type: General Subjects -
Credit #: CSF09-11-21908
Accrediting Provinces:

Description: This course covers topics such as: Policy Riders • Guaranteed Insurability Benefit {GIB} • Accidental Death Benefit {ADB} • Total Disability Waiver of Premium {TDWP} • Parent Waiver • Riders—Conclusion
Access Duration: 12 Month(s)
Credit Hours: 1
Credit Type: Insurance of Persons -
Credit #: CSF09-11-21924
Accrediting Provinces:

Description: This course covers the following topics: -Protection Against Creditors -Settlement Options -Minors -Divorce -The Law Applicable to Quebec -Matters of History -Law 70 -Divorce Matrimonial regimes -Community of movables and acquests -Changes in matrimonial regime
Access Duration: 12 Month(s)
Credit Hours: 3
Credit Type: Life -
Credit #: AIC18387;MB12583
Accrediting Provinces:

Description: This course discusses: The Public Pension System • Canada and Quebec Pension Plans {CPP & QPP} Private Pensions • Employer Pension Plans • Types of Private RPPs are generally known as • Defined Benefit Plan (DBP) • Defined Contribution Plan (DCP) • Deferred Profit-Sharing Plan (DPSP) • Group Registered Retirement Savings Plan
Access Duration: 12 Month(s)
Credit Hours: 2
Credit Type: Life/A&S -
Credit #: AIC18390;MB12586
Accrediting Provinces:

Description: This course discusses the following topics; Definition of a Registered Retirement Savings Plan (RRSP): • Authorized Issuers • Deductible Contributions • Earned Income • Pension Adjustments (PA) • Spousal RRSPs Qualified Contracts • Rules Governing Benefits
Access Duration: 12 Month(s)
Credit Hours: 3
Credit Type: Insurance of Persons -
Credit #: CSF09-11-21904
Accrediting Provinces:

Description: This course covers the following: Policy Riders • Guaranteed Insurability Benefit (GIB) • Accidental Death Benefit (ADB) • Total Disability Waiver of Premium (TDWP) • Parent Waiver • Riders - Conclusion
Access Duration: 12 Month(s)
Credit Hours: 3
Credit Type: Insurance of Persons -
Credit #: CSF09-11-21910
Accrediting Provinces:

Description: This course discusses the following: • Schedule of Contributions • How the Retirement Pension Is Calculated • Spouses Sharing CPP/QPP Retirement Pensions • Spouses Sharing Pensionable Earnings • The CPP/QPP Disability Pension • Pensions for Surviving Spouses • The Old Age Security Program (OAS)
Access Duration: 12 Month(s)
Credit Hours: 2
Credit Type: Life/A&S -
Credit #: AIC18391;MB12587
Accrediting Provinces:

Description: Term Insurance • Increasing Term • Decreasing Term • Fixed-Period Term • Renewability and Convertibility • Re-Entry Term • Term to 100 Plans Permanent Insurance • Whole Life • Cash Surrender Value • Participating and Non-Participating Plans • Interest Rate-Sensitive Policies • Adjustable Premium Whole Life • Universal Life
Access Duration: 12 Month(s)
Credit Hours: 2
Credit Type: Life -
Credit #: AIC18383;MB12578
Accrediting Provinces:

Description: This course covers the following: Section 1:Legal Liability between Principal and Agent Section 2:Agent's Duty of Care Section 3: • Agent • Misrepresentation • Unfair Trade • Practices • Commission Splitting • Replacement • Privacy & Confidentiality • Conflicts of Interest
Access Duration: 12 Month(s)
Credit Hours: 2
Credit Type: General Subjects -
Credit #: CSF09-11-21898
Accrediting Provinces:

Description: This course covers: Discovering Insurance Needs & the Know Your Client Principle eg, 'The Ontario Code of Ethics for life insurance agents contains a provision referred to as the "know your client rule"; this rule is part of an agent's general duty of care to her/his client - "The agent shall make a diligent and business-like effort to learn the information about a client pertinent to his/her insurance needs, including information about the client's objectives and financial circumstances."' The Law of Agency eg, 'If a legal problem in the area of agency law arises, it is likely to involve a question as to the scope of the agent's authority; life insurance agents have different types of authority
Access Duration: 12 Month(s)
Credit Hours: 2
Credit Type: General Subjects -
Credit #: CSF09-11-21937
Accrediting Provinces:

Description: The purpose fo this course is to discuss the Retirement and RRIF Advantages and it focuses upon retirement maturity options, especially the power and feasibility of RRIFs.
Access Duration: 12 Month(s)
Credit Hours: 2
Credit Type: Group Savings Plan B -
Credit #: CSF09-11-21934
Accrediting Provinces:

Description: Most of us in the insurance business know that our competitors' products/services are not a lot different from our own . . . and there is generally little or no price difference between them. Yet, some agents and brokerages are more successful than others. What gives these agents and brokerages a competitive advantage? What are they doing right? How do they keep their competitive edge? Knowing the answers to these questions and acting on them would give us a competitive advantage. This is the first of two courses addressing these questions.
Access Duration: 12 Month(s)
Credit Hours: 2
Credit Type: General Subjects -
Credit #: CSF09-11-21911
Accrediting Provinces:

Description: Most of us in the insurance business know that our competitors' products/services are not a lot different from our own . . . and there is generally little or no price difference between them. Yet, some agents and brokerages are more successful than others. What gives these agents and brokerages a competitive advantage? What are they doing right? How do they keep their competitive edge? Knowing the answers to these questions and acting on them would give us a competitive advantage. This is the second of two courses addressing these questions.
Access Duration: 12 Month(s)
Credit Hours: 2
Credit Type: General Subjects -
Credit #: CSF09-11-21902
Accrediting Provinces:

Description: The Principles of Insurance • Principles • Risks and their Certainties • Human Life Values • Why People Buy Life Insurance • Last expenses • Spouse's income • Dependency period income • Emergency fund • Education fund • Mortgage fund • The Sales and Service Process • Estate Planning • Financial Planning • How Life Insurance Covers Needs • Temporary Insurance • Permanent Insurance • Life Insurance & the Investment • Environment • Government Supervision Federal Legislation Provincial Legislation • Industry-Sponsored Protection Life and Health Insurance Industry—Consumer Protection Plan
Access Duration: 12 Month(s)
Credit Hours: 2
Credit Type: Insurance of Persons -
Credit #: CSF09-11-21927
Accrediting Provinces:

Description: This course covers: Marketing Life Insurance Code of Ethics Quality Business
Access Duration: 12 Month(s)
Credit Hours: 2
Credit Type: General Subjects -
Credit #: CSF09-11-21925
Accrediting Provinces:

Description: The Principles of Insurance • Principles • Risks and their Certainties • Human Life Values • Why People Buy Life Insurance • Last expenses • Spouse's income • Dependency period income • Emergency fund • Education fund • Mortgage fund • The Sales and Service Process • Estate Planning • Financial Planning • How Life Insurance Covers Needs • Temporary Insurance • Permanent Insurance • Life Insurance & the Investment • Environment • Government Supervision Federal Legislation Provincial Legislation • Industry-Sponsored Protection Life and Health Insurance Industry—Consumer Protection Plan
Access Duration: 12 Month(s)
Credit Hours: 2
Credit Type: Life/A&S -
Credit #: AIC18382;MB12577
Accrediting Provinces:

Description: There are many uses of life insurance in the market place today. In this course we will review the traditional uses of life insurance when the agent is involved in doing Estate Planning. Topics to be discussed include: 1. Defining 'Estate Planning' * Protecting Dependents * Funding Tax Liabilities on Death 2. Estate Equalization 3. Funding Buy/Sell Agreements * Cross Purchase Agreement * Promissory Note Buy/Sell Agreement * Corporate Share Redemption * Hybrid Buy/Sell Agreements. 4. Charitable Giving * Gift of Insurance through a Will * Ownership of Policy by Charity * Designating the Charity as Beneficiary 5. Estate Creation 6. Innovative Approaches to Estate Planning with Life Insurance * Charitable Debentures * Back-to-Back Agreements * Leveraging Programs Personal Retirement Programs Corporate Retirement Programs Living Buyouts Corporate Insured Annuities * Life Insurance in a Family Trust * Gifting to Grandchildren Lisences: AIC # 236
Access Duration: 12 Month(s)
Credit Hours: 3
Credit Type: Life - A&S
Credit #: AIC # 236;MB10981
Accrediting Provinces:

Description: In this course we will review the following: 1. Overview 2. Types of Plans 3. Registration Conditions for Registration Revocation of Registration Consequences of Revocation 4. Contributions Subscriber Contributions Return of Subscriber Contributions Canada Education Savings Grant (CESG) Qualifying Contributions CESG Contribution Room 5. Pay-Out of CESGs from RESPs Repayment of CESGs Accumulated Income Named Beneficiaries Meaning of 'Educational Assistance Payment' Full-Time Student Requirement Qualifying Educational Program Post-Secondary Educational Institution Quantum Limit Subscriber RRSP Rollover 6. Plan Investments RESP Investments 7. Penalty Taxes Part X.4 Tax Part X.5 Tax Part XI.1 Tax 8. Appendix I - Summary of Major RESP Changes 9. Appendix II - Useful Internet Sites Lisences: AIC# 234
Access Duration: 12 Month(s)
Credit Hours: 3
Credit Type: Life -
Credit #: AIC# 234; MB3268
Accrediting Provinces:

Description: Between the time that a policy is sold and the time that it is issued, our most important responsibilities are to see that: 1. The application is clear, complete, accurate and easy to read. 2. We are actively involved in ensuring the medical examination is handled: * to the convenience of all concerned; and * as quickly as possible for the protection of the applicant. 3. The inspection report, if required, is accurate and not delayed through inaccuracies or carelessness. 4. We follow up on all questions and requests. 5. The client's advisors, such as their accountants or lawyers, are treated in the same manner that the client is treated. We need to make sure that we do not invade their areas of expertise. 6. All required forms are submitted at the time of the application. Additional forms could include, preferred underwriting questionnaires, critical illness questionnaires or, in the case of disability insurance, financial information such as tax returns.
Access Duration: 12 Month(s)
Credit Hours: 3
Credit Type: General Subjects -
Credit #: CSF09-11-21932
Accrediting Provinces:

Description: Over the last decade Universal Life, also referred to by life insurance agents and brokers as 'UL' insurance, has come to represent the largest growth sector in the life insurance industry. In this course, we will learn why it provides an attractive solution for many of our clients' life insurance needs. We will: * review the history of UL and describe the reasons for its popularity * describe the features and benefits of UL * explain the different types of cost of insurance (COI) with UL * describe the various coverage types that are available with UL * explain the various death benefit types available in UL plans * describe the concept of minimum and maximum premiums * explain the investment options and investment bonuses available in UL plans Lisence: AIC# 230
Access Duration: 12 Month(s)
Credit Hours: 3
Credit Type: Life -
Credit #: AIC# 230; MB3270
Accrediting Provinces:

Description: In Universal Life - Part 1, we examined the following areas of UL insurance: * history and development * features and benefits * Cost of Insurance applications * available coverage types * death benefit options * minimum and maximum premiums * investment options and bonuses In this course we will discuss: * surrender charges and why they may apply * the riders and benefits that can be added to UL policies * the market for UL plans * selecting and setting up the appropriate UL Plan * the potential obstacles to the sale of UL plans * UL alternatives * the rules and regulations that apply to UL policies * the tax rules that apply to UL plans, including registration of UL plans as RRSPs Note: Throughout this seminar we will again use the initials 'UL' for Universal Life. Lisence: AIC# 231
Access Duration: 12 Month(s)
Credit Hours: 3
Credit Type: Life -
Credit #: AIC# 231; MB3271
Accrediting Provinces: