Insurance brokers are faced with a variety of ethical decisions every day, in their dealings with clients, insurance companies and other brokerage staff. This three-part course series is designed to help insurance professionals better understand the ethical conflicts they may face in their business dealings. Saskatchewan licensees must complete council approved ethics courses as a mandatory part of insurance training. Ethics training is highly recommended for insurance agents in all other provinces.

Part 1 Ethics in the Insurance Industry - LIFE/A&S Credit Hours 3 (SK ETHICS 1)

Part 2 Ethics in the Insurance Industry - LIFE/A&S Credit Hours 3 (SK ETHICS 1)

Part 3 Ethics in the Insurance Industry - LIFE/A&S Credit Hours 4 (SK ETHICS 1)

Life/A&S Accredited in BC, AB, SK, MB, ON

Saskatchewan Ethics Credit - Approved for 1 Credit each = 3 Ethics hours in total.
All 3 parts of this Ethics series must be completed in order to qualify for the Saskatchewan Ethics bylaw requirement.

Access Duration from the Date of Purchase: 6 Month(s)

Total Number of Courses: 3

View courses in this Bundle

Total Number of Credit Hours: 10

Access over 160 hours of FP accredited courses for a one-time fee. A FP Subscription gives users unlimited access for 6 months to all of ILScorp's text and video courses in the FP category. Categories include Practice Management - the knowledge and skills used in building professional relationships and growing a professional practice, and Financial Planning - may relate to one or more of the financial planning areas, professional skills and technical knowledge. These courses are accredited in all Canadian Provinces by the Financial Planning Standards Council. Some courses in this subscription are also Life/A&S accredited for insurance professionals.

Access Duration from the Date of Purchase: 6 Month(s)

Total Number of Courses: 63

View courses in this Bundle

Total Number of Credit Hours: 158

Access hundreds of hours of Life and A&S courses designed by insurance professionals for a one-time fee. A Life Subscription gives users unlimited access for 6 months to all of ILScorp's text and video courses in the Life and A&S category. Save hundreds of dollars or more with the Subscription option.

Access Duration from the Date of Purchase: 6 Month(s)

Total Number of Courses: 87

View courses in this Bundle

Total Number of Credit Hours: 232.5

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 from the Date of Purchase: 6 Month(s)

Credit Hours: 3

Credit Type: FP - Financial Planning / A&S - Technical

Credit #: AIC#49127; MB12302

Accrediting Provinces:

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 from the Date of Purchase: 6 Month(s)

Credit Hours: 4

Credit Type: FP - Financial Planning / A&S - Technical

Credit #: AIC#49128; MB12303

Accrediting Provinces:

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.

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 4

Credit Type: FP - Financial Planning / Life/A&S-Technical (AB Life Only)

Credit #: MB3278; AIC#54882

Accrediting Provinces:

This online course looks specifically at the Insurance Council of Alberta, it's subordinate councils and the rules and regulations that guide them. We then take a closer look at appeals, the election process and general provisions and finally the code of conduct for General Insurance licensees is covered in detail.

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 1

Credit Type: Life/A&S - Technical

Credit #: AIC 56168

Accrediting Provinces:

Whether you are planning on getting your designation as a Chartered Business Valuator, or are simply an interested investor, valuing a business can be a difficult but worthwhile endeavour. Throughout this course, you will be introduced to common business valuation techniques and the theory underlying these techniques. This course will begin with an introduction of the concept of the Time Value of Money. It will outline different techniques used for calculating the cost of capital, which is then used to calculate the present value of a business using a Discounted Cash Flow Analysis. This course will also explain how a Sensitivity and Scenario Analysis can be implemented and will conclude with one last valuation technique, namely, the Method of Comparables.

By the end of this course, you will have developed a basic understanding of common business valuation techniques that will help you to accurately estimate a firm�s value.

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 2

Credit Type: Life/A&S - Technical

Credit #: MB28341

Accrediting Provinces:

Lesson 1: Introduction to Economic Theory This course briefly introduces Traditional Finance Theory as a backdrop to the new field of Behavioural Finance Theory. This first section will go over the assumptions that Traditional Finance Theory makes and how, in real life, not all of them hold up. Additionally, you will be introduced to Behaviour Finance and shown how it fills in the holes left by Traditional Finance Theory. Lastly, you will be introduced to some of the anomalies of the market place as well past market inefficiencies and market crashes.

Lesson 2: Investment Behavioural Types and Biases This section focuses on how irrationality affects the stock market. It will identify some of the flaws of Traditional Finance Theory and how the new field of Behavioural Finance attempts to circumvent these flaws. This section also highlights some biases your clients might have and possible pitfalls to investment that you can help them avoid. The course material will help you to identify types of investors and to anticipate their needs and preferences. Overall, the course objective is to make you a better advisor, able to serve your clients with a broader perspective and maximize the returns on their portfolios.

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 4

Credit Type: Life/A&S - Technical

Credit #: MB28340

Accrediting Provinces:

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 from the Date of Purchase: 6 Month(s)

Credit Hours: 3

Credit Type: FP - Financial Planning / Life/A&S - Technical

Credit #: MB12567

Accrediting Provinces:

The information in Part One of this three-part course is aimed to educate agents on basic business knowledge. This course qualifies for three continuing education credit hours. In this course, we will look at business basics and the types of businesses, under the following headings:

1. Business Basics
2. Types of Businesses � Sole Proprietorships
3. Types of Businesses - Partnerships
4. Types of Businesses - Corporations

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 3

Credit Type: FP - Financial Planning / Life/A&S - Technical

Credit #: MB7069

Accrediting Provinces:

The information in Part Two of this three-part course is aimed to educate agents on basic business knowledge. This course qualifies for three continuing education credit hours.

In this course, we will look at Financial Statements and ratios, Fair Market Value and Buy-Sell Agreements, under the following headings:

1. Financial Statements � The Balance Sheet
2. Financial Statements � Income Sheets
3. Financial Statements � Statement of Retained Earnings
4. Financial Ratios
5. Fair Market Value (F.M.V.)
6. Buy-Sell Agreements
7. Methods of Funding

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 3

Credit Type: FP - Financial Planning / Life/A&S - Technical

Credit #: MB7070

Accrediting Provinces:

The information in Part Three of this three-part course is aimed to educate agents on basic business knowledge. This course qualifies for two continuing education credit hours.

In this course, we will look at what happens to the financial position of a sole proprietor, partner or member of a corporation when they become disabled. We will also look at the things they can do to protect themselves, including:

1. Introduction � The Effect of a Disability re: Sole Proprietorship, Partnership or Corporation
2. Key Person Insurance
3. Office Overhead Expense (OOE) Insurance.
4. Buy-Out Insurance

Included in this Part are the following topics:

5. Prospecting for Business
6. Exhibits

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 2

Credit Type: FP - Financial Planning / Life/A&S - Technical

Credit #: MB7071

Accrediting Provinces:

In order for insurance professionals to work effectively in the field of commercial insurance, they need to possess a broad-based understanding of the organizational forms which businesses can take. The way businesses are structured has implications for the protection they need. This three-part course lays out the basic elements that characterize sole proprietorships and partnerships, it lays out definitions, descriptions, and calculations used to analyze the basic financial aspects of a business and prepares participants to explain the concepts underlying disability insurance, then guides them through the technical aspects of these policies. Finally, the course touches on strategies for success in attracting clients and meeting their needs.

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 7.5

Credit Type: Life - Technical

Credit #: AIC#54935

Accrediting Provinces:

In this millennium, we have a different workforce than much of the last. In this millennium, we have women participating outside of the home in the general workforce. In this millennium, we have grandparents working side by side with employees the age of their grandchildren. In this millennium, we have muti-ethnic cultures working together in productive team environments.

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 2

Credit Type: FP - Financial Planning / Life/A&S - Technical

Credit #: MB 15265

Accrediting Provinces:

The CFP Board’s Code of Ethics and Standards of Conduct reflects the commitment that all CFP professionals make to high standards of competency and ethics. The Code of Ethics always applies and sets forth principles that guide the behavior of CFP professionals.

Topics covered include:

• Code of ethics
• Duties of a CFP professional
• Financial advice
• Financial planning process

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 2

Credit Type: Life/A&S - Technical

Credit #: MB#33298

Accrediting Provinces:

The objective of this course is to confirm that you are doing things that your customers expect from you and to support you in enhancing the service you already provide.

Topics covered include:

• Eight ways to improve the service we provide to our Customers
• Assessing your customer service skills

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 2

Credit Type: Life/A&S

Life insurance is not easy to sell and while many try, few succeed in growing healthy, profitable careers. There is often a trade-off between people skills and technical skills. You may notice that successful fellow agents weak in technical skills probably have strong people skills and vice versa. Certainly there is a required combination of human and technical aptitudes to manage an estate-planning file.

This course will assist with the basic estate planning skills by covering the following modules:

• MODULE 1: THE ROLE OF THE LIFE INSURANCE AGENT
• MODULE 2: THE ESTATE PLANNING PLAYERS
• MODULE 3: OTHER COMMON STRATEGIES WITH LIFE INSURANCE
• MODULE 4: DEATH & TAXES
• MODULE 5: TAX CONSIDERATIONS
• MODULE 6: ESTATE PLANNING TOPICS
• MODULE 7: CORPORATE ESTATE PLANNING STRATEGIES
• MODULE 8: CHARITABLE GIVING & BEQUEST PLANNING
• MODULE 9: TRUSTS

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 2

Credit Type: Life/A&S - Technical

Credit #: MB# 21599

Accrediting Provinces:

Description: In this course, learn how in certain cases Split Beneficiary Planning allows for cash extractions (free of dividend tax) from the corporation in excess of actual policy premiums; how a separate and well drafted Split Beneficiary Agreement is required, including a defendable pricing model likely using NCPI as the source cost; and that specialized legal and tax advice may be needed before implementing such planning.

This course breaks down as follows:

• Part 1: Corporations & Insurance
• Part 2: Disruptions to Corporate Owned Insurance
• Part 3: Agreements on the Use of Insurance with Corporations
• Part 4: The Pricing Models

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 2

Credit Type: Life/A&S - Technical

Credit #: MB 29960

Accrediting Provinces:

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

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 3

Credit Type: FP - Financial Planning / Life/A&S - Technical

Credit #: MB3158

Accrediting Provinces:

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.

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 3

Credit Type: FP - Financial Planning / Life/A&S - Technical

Credit #: MB3159

Accrediting Provinces:

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.

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 3

Credit Type: FP - Financial Planning / Life/A&S - Technical

Credit #: MB3162

Accrediting Provinces:

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.

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 3

Credit Type: FP - Financial Planning / Life/A&S - Technical

Credit #: MB3163

Accrediting Provinces:

The foundation of any sound financial plan is Income Replacement Insurance. Its purpose is simple: to replace an individual's income should he or she be unable to work as a result of either an accident or a sickness. In many cases, a person's income may stop immediately due to injury or sickness, while expenses continue, and in fact, could increase as a result of the disability.

When income protection is not provided for our clients, they are at risk of losing everything they have. While the need for Income Replacement Insurance is obvious, it is often overlooked at the time of a life insurance sale despite the fact that the chance of people becoming disabled during their working years is far higher than of them dying.

The purpose of this course is to ground participants in a clear understanding of income replacement strategies and plans (both for individuals and businesses) and, in particular, to impress them with the importance of serving clients by demonstrating the benefits of income replacement insurance.

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 6

Credit Type: A&S - Technical

Credit #: AIC55144

Accrediting Provinces:

This course will scope the current landscape of social-based investing including a review of the collaborations, organizations, and trendsetters in this industry.

In addition to discussing the history of Responsible Investing, it will also review case studies and topics on corporate governance, environmental sustainability, and corporate responsibility today.

Topics include:

• Introduction to Responsible Investing
• Regulatory Environment
• Collaborative
• Shareholder Engagement & Activism
• Environmental Perspectives
• Social Perspectives
• Governance Perspectives
• Practical Application
• Facebook: A Lesson On Dual Class Voting

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 3

Credit Type: Life/A&S - Technical

Credit #: MB#33303

Accrediting Provinces:

This course explores the sources of variation in ethical standards among individuals and looks at the question of whether those differences are innate or are environmentally shaped.

The course also presents a definition of ethics in the context of the insurance business, including the benefits to clients of having an insurance representative and dealing with a quality firm.

Participants will cover details regarding the purposes and workings of regulatory and industry bodies, including the responsibilities of life agents and how insurance companies generate a profit.

Finally, the course describes an effective life insurance business model which identifies the needs of clients and assumes the highest level of responsibility for the manner in which it deals with those clients.

Topics covered:

• Theoretical Foundations of "Ethics" and Introductory Concepts
• Regulatory & Industry Guidance for the Life Agents and Agent Responsibilities
• Ethics and the Professional Insurance Agent/Broker
• Marketing Life Insurance
• The Agent's Attitude
• The Advisor and the Counselor
• Quality Business / Cost and the profit factor
• Government Regulation / Industry Regulation
• Provincial Insurance Councils
• Advocis: The Financial Advisors Association of Canada
• Certified Financial Planner (CFP®) Board
• Discovering Insurance Needs / Know Your Client Principle
• Example: Breach of Duty of Care
• Professionalism - Business Practices
• Criteria for a Vocation to Qualify as a "Profession"

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 2

Credit Type: 2 Life/A&S - Technical / 1 SK Approved Ethics - Life/A&S

Credit #: AIC#50746; MB31690

Accrediting Provinces:

This course explores the positions of authority within an insurance company, the responsibilities and liability of various operatives including brokers and agents in matters such as the importance of properly and carefully recording 3rd party information.

The material covers situations in which the principal is exempt from the actions of the agent. It explains the essence of fiduciary duty and the importance of agents understanding the nature of a policy illustration.

Examples are presented of unfair trade practices to show what it means, in practice, for the agent to understand clearly his or her ethical obligations. A discussion addresses the question of who bears responsibility for ensuring that contracts are in total compliance with respective regulations, as well as what constitutes unfair and deceptive acts in advertising.

Participants will also be introduced to the aspect of ethics in other industries. We take a look at responsibilities held by other professions within the life insurance ecosystem. There are practical suggestions around how agents can maximize their effectiveness.

Topics covered:

• Agent Authority & Liability
• Legal Liability between Principal and Agent
• Responsibilities to Clients
• Ethics & Sales Practices
• Ethical Marketing & Advertising
• Working with Other Professionals

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 2

Credit Type: Life/A&S - Technical / SK Approved Ethics - Life/A&S

Credit #: AIC#50747; MB31691

Accrediting Provinces:

Example cases on ethics are often driven by situations that challenge our abilities to determine the right thing to do, carry out effective ethical action, or lay out an effective strategy for avoiding ethical obstacles in the future. As the possibilities for ethical conflict exist in all areas of the insurance industry, this course provides examples specifically geared towards providing you with materials relevant to various aspects in your field.

Topics covered:

• The Challenging Client
• Failure to Act
• The Manager
• Sales Incentive
• Association to Violations of Others
• Maintaining Knowledge of the Law
• Leaving Employment
• Using Technical Language

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 2

Credit Type: 2 Life/A&S - Technical / 1 SK Approved Ethics - Life/A&S

Credit #: AIC#50748; MB31692

Accrediting Provinces:

This insurance ethics course provides an overview of what ethical behavior is in a general context, as well as ethics in the insurance industry.

Lesson 1: The Meaning and Function of Ethics in the New Knowledge Workplace will explain the term ethics as it applies in the workplace, and review the roles that the conscious and unconscious mind have in forming an individual's code of ethics. The impact that unconscious perceptions have on a person's conscious conceptions of reality will also be described.

Lesson 2: Ethics and the Professional Insurance Agent/Broker will review the responsibilities of an insurance representative, introduce the Code of Ethics, and laws that apply to insurance representatives and describe the goal of a good insurance representative.

Lesson 3: The Agents Role and Responsibilities explains the importance of knowing your client in order to provide the best possible service and insurance product, and describes appropriate, professional behavior for an agent.

Lesson 4: The Law of Agency introduces and describes the difference between "actual" and "apparent" authority. It reviews the law of agency and defines principals and third parties, as well as addressing disputes that can arise.

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 3

Credit Type: 3 FP - Financial Planning / 3 Life/A&S - Technical / 1 SK Approved Ethics - Life/A&S

Credit #: AIC#49139; MB12568

Accrediting Provinces:

This insurance ethics course provides an overview of what ethical behavior is in a general context, as well as ethics in the insurance industry.

Lesson 1: Legal Liability between Principal and Agent describes the legal liabilities between an insurance agent and his/her principal including: the agent's obligation to follow the lawful instruction of a principal; a principal's entitlement to indemnification by an agent exceeding their authority; and the liability of a principal to a third party.

Lesson 2: The Agent's Role and Responsibilities describes the roles and responsibilities of an insurance agent, including the agent's duty of care; how an agent presents themselves to the public; the fiduciary duty of life insurance agents; and the importance of clarifying cost illustrations.

Lesson 3: Agent Misrepresentation defines misrepresentation and explains the importance of avoiding misrepresentation of yourself and the products you are selling. It also reviews conflicts of interest, unfair trade practices, and privacy and confidentiality guidelines. The consequences and available sanctions for these behaviors are also reviewed.

Lesson 4: The Agent's Duties and Obligations describes the obligations an agent has toward a client or prospective client and reviews some of the rules that govern investment advertising.

Lesson 5: Professional Interactions in a Claims Settlement explains further the obligations and appropriate behavior of professionals, describes positive interactions between different types of professionals, and explains the tasks involved in a claims settlement, and positive behavior when dealing with survivors and beneficiaries.

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 3

Credit Type: 3 FP - Financial Planning / 3 Life/A&S - Technical / 1 SK Approved Ethics - Life/A&S

Credit #: AIC#49140; MB12569

Accrediting Provinces:

This insurance ethics course provides an overview of what ethical behavior is in a general context, as well as ethics in the insurance industry.

Lesson 1: The Problems of the Professional describe some of the difficulties inherent in working as a professional, including liability, and describe some solutions to the financial difficulties unique to professionals, such as compressed earning periods and taxation considerations.

Lesson 2: Ethics in the 21st Century Knowledge Workplace describes changes to management and employee expectations that have come about with the shift to the new Knowledge Workplace. Important management lessons and theories are also presented.

Lesson 3: Why Managers and Organizations Fail explains the challenges manager's can face, and how to overcome them to help the organization successfully transition to this new business model, stressing the importance of adaptation.

Lesson 4: Anatomy of an Ethical Manager explains the role of the manager in helping his/her organization to successfully transition to this new workplace management model. Mangers must be supportive of their agents, learning to integrate, communicate, and be flexible.

Lesson 5: The Organization's "Moral Imperative" - Leadership & Communications in the Knowledge Workplace describes the role that communication has played throughout our history and explains the benefits of effective communications in the new knowledge workplace. This lesson describes some of the problems that poor communication skills can cause in the workplace, and explains the need for all people in an organization to learn to communicate effectively.

Lesson 6: contains the final quiz for this course.

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 4

Credit Type: 4 Life/A&S - Technical / 4 FP - Practice Management / 1 SK Approved Ethics - Life/A&S

Credit #: AIC#49141; MB13925

Accrediting Provinces:

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 from the Date of Purchase: 6 Month(s)

Credit Hours: 3

Credit Type: FP - Financial Planning / Life/A&S - Technical

Credit #: MB12585

Accrediting Provinces:

Lesson 1 of The New Guidance on Fair Treatment of Customers addresses the creation of the Guidance document, its purpose and scope, as well as an explanation of the document’s impact on five key areas of the industry’s activity. Lesson 2 of the course deals with the Customer Outcomes the industry hopes to achieve, as well as the specific attitudes and practices on the part of industry representatives which will accomplish these goals. There are twelve distinct outcomes articulated and for each of these outcomes there are behaviors which can be observed and monitored.

Successful participants of the course will:

• Understand the purpose and scope of the Guidance document
• Be able to explain the way the conduct of insurance business is supervised
• Know the importance of acting in compliance with the laws, regulations and guidelines to which representatives are subject
• Understand the importance of protecting the privacy of Customer information
• Possess the vocabulary, the understanding and the knowledge-base for explaining and discussing the issues around the Guidance document on the Conduct of Insurance Business and Fair Treatment of Customers.

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 2

Credit Type: Life/A&S - Technical / Life/A&S - Technical

Credit #: MB34143; AIC55509

Accrediting Provinces:

How the price for Employee Benefits is reached.

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 2

Credit Type: FP - Financial Planning / Life/A&S - Technical

Credit #: MB 10670

Accrediting Provinces:

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 from the Date of Purchase: 6 Month(s)

Credit Hours: 2

Credit Type: FP - Financial Planning / Life/A&S - Technical

Credit #: MB12584

Accrediting Provinces:

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 from the Date of Purchase: 6 Month(s)

Credit Hours: 2

Credit Type: FP - Financial Planning / Life/A&S - Technical

Credit #: MB12579

Accrediting Provinces:

This course will focus on individual disability income insurance policies, also referred to as disability insurance of disability income replacement insurance. The information provided is of a general nature and is not intended to be an intensive study of this area of insurance.

By the end of this course you will be able to:

• Classify basic categories of individual disability, accident and sickness policies
• Describe general information related to individual disability income insurance policies

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 1

Credit Type: Life/A&S - Technical

Credit #: MB#30085

Accrediting Provinces:

Reasons and modern trends in Employee Benefits

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 1

Credit Type: FP - Financial Planning / Life/A&S - Technical

Credit #: MB 10671

Accrediting Provinces:

The objective of this course is to provide knowledge about Cyber Risks for Insurance Industry Professionals. This course is designed for those needing to understand, create awareness, or refresh their knowledge of how technology use is increasingly accompanied with both risks, and opportunities, for businesses operating in Canada, and focuses on efforts to counter threats.

Topics Include:

Lesson A:

Section One: Evolution of insurance and new threats

Section Two: Cyber attacks

Lesson B:

Section Three: Common attacks by industry

Section Four: Notable cyber attacks

Section Five: Cybercriminals

Lesson C:

Section Six: Risk factors and risk management

Section Seven: Laws and legislation

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 3

Credit Type: Life/A&S - Technical

Credit #: AIC#56201, MB 26996

Accrediting Provinces:

Day-to-day business operations all over the world follow similar patterns and those patterns are economic in nature. Buying, selling, investing, profits and losses - these are all tied to economic forces. We cannot expect to operate in a business climate without at least a fundamental knowledge of economics.

Insurance professionals, in particular, need to understand those economic forces and the particular structures and strategies by which they are represented in the Canadian business context.

The purpose of this course is two-fold:

1. To provide participants with an understanding of the concepts of micro- and macro-economics and a knowledge of how these concepts underlie the structures and operation of the country’s financial life.
2. To equip agents with the knowledge and understanding of investment instruments and strategies they will need to help clients with responsible financial planning and decision-making Day-to-day business operations all over the world follow similar patterns and those patterns are economic in nature. Buying, selling, investing, profits and losses - these are all tied to economic forces. We cannot expect to operate in a business climate without at least a fundamental knowledge of economics.

Insurance professionals, in particular, need to understand those economic forces and the particular structures and strategies by which they are represented in the Canadian business context.

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 5

Credit Type: Life - Technical

Credit #: AIC#55425

Accrediting Provinces:

In Part One of this two-part course, we will focus our discussion on the basics of economic theory and practice.

Topics to be discussed in this course include:

1. Microeconomics
2. Macroeconomics
3. Financial Markets
4. Present Value versus Future Value
5. Glossary of Terms

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 3

Credit Type: FP - Financial Planning / Life/A&S - Technical

Credit #: MB7073

Accrediting Provinces:

Also known as Professional Liability Insurance, is designed to cover the errors and omissions of Life Insurance Agents and their associates. It protects against claims for financial losses stemming from negligence.

According to recent statistics, one in seven (14%) people selling insurance will be successfully sued for an E & O claim. Therefore, it is essential that we be aware of the E & O exposure and that we take the steps necessary to prevent or, at least, control E & O claims.

Access Duration from the Date of Purchase: 3 Month(s)

Credit Hours: 1

Credit Type: FP - Financial Planning / Life/A&S - Technical

Credit #: MB# 21286

Accrediting Provinces:

The course provides an overview of the various forms of protection that fall under the heading of Travel Insurance Life and Body Protection Coverage.

Topics include:

• The need for insurance and travel insurance, along with an overview of its history and development over time.
• An overview of the common law duties associated with an insurance contract and the obligations that come with these.
• How Life and Body Protection Coverage minimizes the financial risks of travel.
• A look at the benefits and limitations of Life Protection Coverage, its terms, conditions and examples of circumstances where it may prove beneficial.
• How Body Protection Coverage benefits travelers, including examples of its use, and application of certain terms and conditions.
• The terms and conditions that apply specifically to Accidental Death and Dismemberment (AD&D) along with examples of situations where it has protected travelers.
• The terms and conditions governing Flight Accident Coverage, along with examples of situations where it can protect an insured traveler.
• How Security and Political Evacuation coverage aids travelers, including examples of its use, and application of certain terms and conditions.

Lessons:

Accidental Death and Dismemberment Coverage (AD&D)

Flight Accident Coverage

Security and Political Evacuation Coverage

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 2

Credit Type: Life/A&S - Technical

Credit #: MB# 26530

Accrediting Provinces:

This course is designed for those needing to understand, or refresh their knowledge of the medical and dental coverage for those traveling.

Topics include:

• The need for insurance and travel insurance, along with an overview of its history and development over time.
• An overview of the common law duties associated with an insurance contract and the obligations that come with these.
• How Medical and Dental Insurance coverage minimizes the financial risks of travel.
• A look at the benefits and limitations of Medical Insurance coverage, its terms, conditions and examples of circumstances where it may prove beneficial.
• How Dental Insurance coverage benefits travelers, including examples of its use, and application of certain terms and conditions.
• The terms and conditions that apply specifically to Emergency Evacuation
• Insurance coverage, along with examples of situations where it has protected travelers.
• The terms and conditions governing Repatriation Insurance Coverage, along with examples of situations where it can protect an insured traveler.
• How Pre-Existing Insurance coverage aids travelers, including examples of its use, and application of certain terms and conditions.

Lesson A:
Terms used in this course and in the Travel Insurance industry
Section One: History of insurance and travel insurance and its purpose
Section Two: Contract Law

Lesson B:
Section Three: Medical and Dental Insurance Coverage
Section Four: Emergency Evacuation and Repatriation Coverage
Section Five: Pre-existing Condition Coverage

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 2

Credit Type: Life/A&S - Technical

Credit #: MB# 26531

Accrediting Provinces:

This course will scope the current landscape of �social-based� investing including a review of the collaborations, organizations, and trendsetters in this industry.

In addition to discussing the history of Responsible Investing, it will also review case studies and topics on corporate governance, environmental sustainability, and corporate responsibility today.

Topics include:

• Introduction to Responsible Investing
• Regulatory Environment
• Collaboratives
• Shareholder Engagement & Activism
• Environmental Perspectives
• Social Perspectives
• Governance Perspectives
• Practical Application

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 2

Credit Type: Life/A&S - Technical

Credit #: MB 27162

Accrediting Provinces:

This course will define what an ETF is (Exchange Traded Fund) and help you understand the difference between a passive and active ETF. At the end of the course you will be able to explain how a client’s money is invested in an ETF, when an ETF is an appropriate investment option, and the risks of investing in ETFs. You will develop an understanding of the main differences (tax implications, guarantees, structure) between an ETF and segregated and mutual funds and become aware of some of the innovations in the ETF space.

Course Outline:

• What is an ETF?
• Types of ETFs
• ETFs Fees
• ETF Advantages
• ETF Disadvantages
• ETFs and Segregated Funds
• ETFs vs Mutual Fund
• Applications
• Innovations in ETFs

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 1

Credit Type: Life/A&S - Technical

Credit #: MB33761

Accrediting Provinces:

Many Canadians (as many as 65% of working people) are not covered by Registered Pension Plans with employers. Even those who are, will receive somewhere between 30 to 60 percent of their former wage. Experts tell us that to maintain one’s lifestyle into retirement will require about 75% of that former wage.

The purpose of this course is to increase the knowledge and skills of participants regarding investment theory and practice. It aims to fulfill this purpose, by first presenting the underlying concepts of wealth accumulation and wealth management, and further, by demonstrating the variety and types of financial instruments available to investors.

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 4

Credit Type: Life - Technical

Credit #: AIC#55617

Accrediting Provinces:

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 from the Date of Purchase: 6 Month(s)

Credit Hours: 2

Credit Type: FP - Financial Planning / Life/A&S - Technical

Credit #: MB11465

Accrediting Provinces:

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 from the Date of Purchase: 6 Month(s)

Credit Hours: 2

Credit Type: FP - Financial Planning / Life/A&S - Technical

Credit #: MB11466

Accrediting Provinces:

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 from the Date of Purchase: 6 Month(s)

Credit Hours: 3

Credit Type: FP - Financial Planning / Life/A&S - Technical

Credit #: MB12557

Accrediting Provinces:

Life insurance is a highly nuanced field of products and services. Clients put a great deal of trust in insurance professionals to give them skilled guidance and accurate information as they attempt to navigate the complexities of planning their financial security. This comprehensive course covers the life insurance field with definitions, explanations, calculations, and detailed descriptions of all the various products and services associated with it. It emphasizes throughout, the knowledge, skills and attitudes that must be mastered by agents who hope gain success within this sector of the insurance industry.

This course initiates agents into the underlying concepts of life insurance and then instills in them the importance of this industry to the security and well-being of the general public. As the name of this course suggests, its primary purpose is to develop agents by providing them with the skills and the commitment agents require to understand their clients’ needs. It emphasizes how knowledge of the products and services available, prepares them to identify solutions to meet client needs.

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 6

Credit Type: Life - Technical

Credit #: AIC#55328

Accrediting Provinces:

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 from the Date of Purchase: 6 Month(s)

Credit Hours: 3

Credit Type: FP - Financial Planning / Life/A&S - Technical

Credit #: MB12558

Accrediting Provinces:

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 from the Date of Purchase: 6 Month(s)

Credit Hours: 3

Credit Type: FP - Financial Planning / Life/A&S - Technical

Credit #: MB12559

Accrediting Provinces:

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

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 3

Credit Type: FP - Financial Planning / Life/A&S - Technical

Credit #: MB3215

Accrediting Provinces:

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

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 3

Credit Type: FP - Financial Planning / Life/A&S - Technical

Credit #: MB3216

Accrediting Provinces:

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

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 3

Credit Type: FP - Financial Planning / Life/A&S - Technical

Credit #: MB3149

Accrediting Provinces:

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

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 3

Credit Type: FP - Financial Planning / Life/A&S - Technical

Credit #: MB3150

Accrediting Provinces:

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

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 3

Credit Type: FP - Financial Planning / Life/A&S - Technical

Credit #: MB3253

Accrediting Provinces:

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

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 3

Credit Type: FP - Financial Planning / Life/A&S - Technical

Credit #: MB3154

Accrediting Provinces:

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

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 3

Credit Type: FP - Financial Planning / Life/A&S - Technical

Credit #: MB3152

Accrediting Provinces:

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 from the Date of Purchase: 6 Month(s)

Credit Hours: 3

Credit Type: FP - Financial Planning / Life/A&S - Technical

Credit #: MB12562

Accrediting Provinces:

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 from the Date of Purchase: 6 Month(s)

Credit Hours: 1

Credit Type: FP - Financial Planning / Life/A&S - Technical

Credit #: MB12582

Accrediting Provinces:

This 4 Module course is a comprehensive look at: Insurance Council Regulation; Insurance General Matters Regulation; Classes of Insurance Regulation; Agent and Adjuster Regulation; and finishing up with a detailed look at the code of conduct for Life and A&S, General insurance agents and Adjusters.

Because the course is in modules it can be approached by taking the modules independently or all at once.

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 4

Credit Type: Life/A&S - Technical

Credit #: MB 27087

Accrediting Provinces:

Recently, lawmakers around the world have acted to curtail money laundering activities. Money-laundering has been shown to promote criminal behaviour and finance terrorist initiatives.

This course provides:

• some background history of this activity and its participants
• its effect on economies in general and threats which accompany it
• issues which relate to the electronic age in which we live and free movements of money globally
• techniques used to launder money and case studies

The new laws that have come into effect are discussed along with the duties and responsibilities they carry for the life insurance industry and its employees. FINTRAC, Canada's financial intelligence unit, is introduced along with its various mediums for communication with the insurance industry.

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 2

Credit Type: FP - Financial Planning / Life/A&S - Technical

Credit #: MB8692

Accrediting Provinces:

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 from the Date of Purchase: 6 Month(s)

Credit Hours: 3

Credit Type: FP - Financial Planning / Life/A&S - Technical

Credit #: MB12583

Accrediting Provinces:

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 from the Date of Purchase: 6 Month(s)

Credit Hours: 2

Credit Type: FP - Financial Planning / Life/A&S - Technical

Credit #: MB12586

Accrediting Provinces:

This course covers the three main pillars of Canadian retirement savings and how they can be used in coordination to achieve the most optimal retirement income possible. At the end of the course, the participant should be able to understand and identify sources of potential income at retirement and how they are generated.

The course covers the following topics:

• Introduction: General overview of the The Three Pillars: Government Benefits, Mandatory Pension Plans (Public & Private), Voluntary Pension Plans
• Lesson 1: Pillar 1: Government Benefits (OAS/GIS)
• Lesson 2: Pillar 2: Mandatory Pension Plans (CPP/QPP, DB/DC)
• Lesson 3: Pillar 2: Private Pension Plans
• Lesson 4: Pillar 3: Voluntary Pension Programs (TSFAs, RRSPs)

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 4

Credit Type: Life/A&S - Technical

Credit #: MB 29959

Accrediting Provinces:

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 from the Date of Purchase: 6 Month(s)

Credit Hours: 2

Credit Type: FP - Financial Planning / Life/A&S - Technical

Credit #: MB12587

Accrediting Provinces:

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 from the Date of Purchase: 6 Month(s)

Credit Hours: 2

Credit Type: FP - Financial Planning / Life/A&S - Technical

Credit #: MB13916

Accrediting Provinces:

The objective of this course is to provide you with knowledge on how to manage, maintain and increase sales to ultimately increase profits.

Topic covered include:

• Sales Management
• Sales Plans
• Measurement and Monitoring
• Sales Compliance
• Marketing Products and Services

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 1

Credit Type: Life/A&S

Course Description (video) � Interesting aspects of what a segregated fund is all about. Topics Include: Definition of a Segregated Fund, Types, Terminology, Regulations (CLHIA), Agent Requirements, Taxation, Seg Funds vs. Mutual Funds, etc.

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 2

Credit Type: 1 FP - Financial Planning / 2 Life/A&S - Technical

Credit #: MB# 8623

Accrediting Provinces:

Course Description(video)� A look at the taxation framework of health care and practical applications that can be implemented. Topics Include: Healthcare Taxation, History of Private Healthcare, Case Studies- which include: Supplements, Flex Plans & Health Plans, Short-term illness

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 2

Credit Type: FP - Financial Planning / Life/A&S - Technical

Credit #: MB8624

Accrediting Provinces:

Course Description (video) � An obscure topic, but an interesting course for those wanting to work with owner - managers or in the group benefits arena. Topics Include: Current Context Overview, Programs, Terminology, Legislative Overview, Strategy Review, Case Examples, Practical Comments, etc.

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 2

Credit Type: 1 FP - Financial Planning / 2 Life/A&S - Technical

Credit #: MB8625

Accrediting Provinces:

Advances in technology will have a major impact on all aspects of the business of insurance worldwide. For example consumers have become more knowledgeable and expect more, opportunities for auto insurance are changing, personal data is being used more extensively than ever before. There is much to consider.

By the end of this course you will be able to:

• Describe the technology and its impact on the insurance industry
• Explain planning for technology implementation in the insurance industry
• Describe the exchange of data between brokerages and insurance companies

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 2

Credit Type: Life/A&S - Technical

Credit #: MB#30088

Accrediting Provinces:

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 from the Date of Purchase: 6 Month(s)

Credit Hours: 2

Credit Type: FP - Financial Planning / Life - Technical

Credit #: MB12578

Accrediting Provinces:

This course explores the positions of authority within an insurance company, the responsibilities and liability of various operatives including brokers and agents in matters such as the importance of properly and carefully recording 3rd party information.

Examples are presented of unfair trade practices to show what it means, in practice, for the agent to understand clearly his or her ethical obligations. A discussion addresses the question of who bears responsibility for ensuring that contracts are in total compliance with respective regulations, as well as what constitutes unfair and deceptive acts in advertising. Each scenario presented is then disected on how the situation links to the FP Standards of Professional Responsibility.

FP Canada evaluated and approved as Professional Responsibility Continuing Education Credits.

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 2

Credit Type: FP - Professional Responsibility

Accrediting Provinces:

This course explores the positions of authority within an insurance company, the responsibilities and liability of various operatives including brokers and agents in matters such as the importance of properly and carefully recording 3rd party information.

Examples are presented of unfair trade practices to show what it means, in practice, for the agent to understand clearly his or her ethical obligations. A discussion addresses the question of who bears responsibility for ensuring that contracts are in total compliance with respective regulations, as well as what constitutes unfair and deceptive acts in advertising. Each scenario presented is then disected on how the situation links to the FP Standards of Professional Responsibility.

FP Canada evaluated and approved as Professional Responsibility Continuing Education Credits.

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 2

Credit Type: FP - Professional Responsibility

Accrediting Provinces:

Why an employer would offer benefits to employees.

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 1

Credit Type: 2 FP - Financial Planning / 1 A&S - Technical

Credit #: MB 10672

Accrediting Provinces:

Objectives:

• Explain, illustrate, and demonstrate to the participants/clients the major types of insurance products (structure, form, administration), as they relate to financial & retirement planning goals and objectives
• Demonstrate how the participants/clients can 'prudently' purchase insurance products that will maximize their retirement-planning objectives
• Explain, illustrate, and demonstrate how insurance products can positively affect the participants/clients estate planning objectives
• Demonstrate how participants/clients can maximize 'wealth-accumulation' goals through prudent and judicious purchasing of insurance products

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 3

Credit Type: FP - Financial Planning / Life - Technical

Credit #: MB7091

Accrediting Provinces:

Objectives:

• Develop a basic understanding the features of an estate
• Be able to structure your estate to provide maximum benefits to your heirs and to minimize tax through prudent planning
• Develop a perspective the enables the core of estate planning to ensure the assets you spend a lifetime accumulating are distributed according to your wishes after death

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 2

Credit Type: FP - Financial Planning / Life - Technical

Credit #: MB7092

Accrediting Provinces:

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

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 3

Credit Type: FP - Financial Planning / Life - Technical

Credit #: MB10981

Accrediting Provinces:

Most travel agents will encourage individuals who travel out of province to purchase travel insurance. The consequences of not being properly insured can have significant financial consequences. For example when travelling, Canadians can be billed for medical services in amounts that run into hundreds of thousands of dollars or more. A travel insurance policy is the best way to provide insurance for these types of losses.

By the end of this course you will be able to:

• Describe travel insurance
• Describe coverage and underwriting considerations in emergency medical insurance
• Explain benefits, exclusions and provisions in emergency medical insurance

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 1

Credit Type: A&S - Technical

Credit #: MB#30083

Accrediting Provinces:

In this course, the structure of the four main registered savings plans will be explored including: Tax Free Savings Accounts, Registered Retirement Savings Plans, Registered Education Saving Plans, and Registered Disability Savings Plans. Each of these plans provided unique tax-advantages towards growing your savings for specific purposes.

• Lesson 1: Introduction to Saving Accounts and TFSAs
• Lesson 2: RRSP Basics
• Lesson 3: Registered Education Savings Accounts
• Lesson 4: Registered Education Savings Accounts Part II
• Lesson 5: Registered Disability Savings Plans

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 3

Credit Type: Life/A&S - Technical / Life/A&S - Technical

Credit #: AIC#49401; MB30871

Accrediting Provinces:

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

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 3

Credit Type: FP - Financial Planning / Life - Technical

Credit #: MB3268

Accrediting Provinces:

A financial statement provides a record of the financial activities and positions of a business during a period of time. These statements represent a means of communicating a given business�s financial information to different parties who then can base their decisions on the statistics provided. Note that a proper understanding of financial statements is paramount to an individual�s ability to make informed decisions including whether to invest in or grant credit to a business.

This course covers the following topics:

• Introduction to Financial Statements
• Assumptions and Principles of Financial Statements
• Overview of the 3 Financial Statements
• Cash Flow Statement
• Financial Statement Ratio�s
• Basic Fundamental Analysis
• Applications for Investing using Financial Statements

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 4

Credit Type: Life - Technical

Credit #: MB #29899

Accrediting Provinces:

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

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 3

Credit Type: FP - Financial Planning / Life - Technical

Credit #: MB3270

Accrediting Provinces:

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.

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 3

Credit Type: FP - Financial Planning / Life - Technical

Credit #: MB3271

Accrediting Provinces: