About Us.

Transcription

1 FALL / WINTER 2015 CATALOGUE

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3 About Us Non Solis Nobis Not for Ourselves Alone. Our motto holds as true today as it did when the Life Underwriters Association of Canada now Advocis, The Financial Advisors Association of Canada was founded in Advocis, the oldest and largest voluntary professional association for financial advisors and planners in the nation, fosters professionalism, raises standards for financial advisors and planners, and protects consumers. The association also supports groundbreaking research, promotes the value of financial advice, and works frequently with decision-makers and the public to maintain the reputation of our profession. More than 11,000 advisors and planners in 40 chapters across Canada belong to Advocis. Our members adhere to the highest professional standards through an established Code of Professional Conduct, uphold best practice standards, participate in mandatory continuing education programs through the Advocis Learning Centre, and maintain appropriate levels of liability insurance. Professional financial advisors and planners are essential to the Canadian economy. At Advocis we are working to create an environment in which all financial practitioners sustain the strongest principles, and Canadians have access to the advice they need. 3

4 Welcome At Advocis, we don t just advocate on behalf of the profession we go the distance to equip our members with the skills and tools they need to succeed. Over the past century, Advocis has forged a reputation in the industry for offering top-quality educational programs that help professional financial advisors to meet their practical business needs and grow their practice. The Advocis Learning Centre offers a wide range of continuing education and designation courses designed to align with financial advisor competencies and practice behaviors. By choosing the Advocis Learning Centre, you ll receive industry-leading education a value deeply rooted in the long-standing history of Advocis. We are committed to helping you advance in your business and facilitating the ongoing pursuit of knowledge and expertise to help you provide service excellence to consumers. Regardless of where you re at in your career, the Advocis Learning Centre is the trusted source to guide you along your optimal pathway to ongoing career milestones. Our Guarantee Institute-accredited CE offers near-universal acceptance towards meeting CE requirements of regulators and designationgranting bodies. If the applicability of an Institute-accredited program is questioned by any jurisdiction, in an audit situation, please contact us for assistance at accreditation@iafe.ca. Member-Exclusive Online Best Practices Manual (BPM) Being an Advocis member has its perks. A key membership benefit is exclusive access to the online Best Practices Manual, the most comprehensive and essential resource for financial advisors in Canada, developed by Advocis. A functional toolbox for all advisors, regardless of discipline, the online BPM contains over 80 downloadable forms and templates, with practice aids, tips, checklists, questionnaires, and sample letters. Structured around five key areas Marketing, Advice Delivery, Employee Benefits, Business Essentials, and Compliance the online BPM provides the research and information to help you maximize productivity and profitability in your practice. With this all-encompassing, go-to guide, you will stay on the leading edge of the financial industry. 4 Advocis Course Catalogue

5 Advocis Learning Centre Get Licensed The first step to becoming licensed to offer insurance solutions to your clients is to successfully complete an approved Life Licensing Qualification Program (LLQP). The Advocis/Foran LLQP, which over the years has earned an impressive reputation and boasts a very high first-time pass rate, is your best choice to develop the product understanding to get your career going. Earn a Designation Advocis recognizes the high value of building a superior level of technical knowledge and expertise as a financial practitioner to effectively meet the needs and objectives of your clients. The Advocis Learning Centre offers highly regarded education programs that lead to a designation. These programs are a testament to our commitment to equipping members with the advanced skills they need to provide elite-level service to clients. Through the Advocis Learning Centre, you can obtain the education required to earn three industry-recognized designations CFP, CLU and CHS and add a high degree of prestige to your business, further benefiting your clients. Complete a Certificate Meeting the changing needs of clients often requires you to expand your knowledge and qualifications. As you grow your practice and diversify your client base, the certificate programs offered through the Advocis Learning Centre are an ideal option to broaden your scope and approach to advice. Our selection of comprehensive and in-depth certificate programs enables you to concentrate on your specific interest areas, customize your learning, and build on your current experience in order to better serve each client a factor we recognize as being crucial to the ongoing success of your business. Obtain A key foundation that the Advocis Learning Centre was built on is the firm belief that education is an ongoing process. This is why we strongly emphasize the importance of continually updating your skills and knowledge in order to meet the needs of your clients. By offering relevant Continuing Education (CE) and professional development opportunities, we provide the learning required to maintain professional excellence and a high level of ethical standards and practice competencies. 5

6 Contents About Us...3 Welcome...4 Advocis Learning Centre... 5 ADVOCIS/FORAN LIFE LICENSE QUALIFICATION PROGRAM... 9 Life License Qualification Program (LLQP) Life License Qualification Program Accident & Sickness (LLQP A&S)...11 DESIGNATION PROGRAMS...12 CCH/Advocis Certified Financial Planner (CFP ) Certification Program Financial Planning Fundamentals Contemporary Practices in Financial Planning Comprehensive Practices in Risk & Retirement Planning Wealth Management & Estate Planning CCH/Advocis FPSC-Approved Capstone Course Chartered Life Underwriter (CLU ) Designation Program Advanced Taxation Law Advanced Estate Planning...22 Certified Health Insurance Specialist (CHS ) Designation Program Disability Income Insurance, Individual & Group Critical Illness, Long-Term Care & Group Benefits...25 CERTIFICATE PROGRAMS Critical Illness Insurance Certificate Program CI: Product Design & Marketing CI: Plans, Options & Provisions...28 CI: Underwriting & Claims...29 Long-Term Care Certificate Program LTC: Senior Care in Canada LTC: Caring for Older Adults...32 LTC: Needs Analysis for Seniors Advocis Course Catalogue

7 Contents LTC: Senior Care Alternatives...34 LTC: Planning Techniques for Seniors...35 LTC: Underwriting & Claims...36 LTC: Products...37 Group Insurance Certificate Program Group: Addressing Risk...39 Group: Benefit Plan Management Group: Plan Design & Funding Group: Plan Administration...42 Group: Claims Administration...43 Group: Underwriting Group: Disability Income Replacement...45 Group: Extended Health Care Benefits Group: Dental Coverage...47 Group: Wellness Programs Group: Flexible Benefit Plans...49 Group: Insurance Marketing...50 Disability Income Insurance Certificate Program...51 DI: Examining Risk...52 DI: Needs Analysis...53 DI: Product Design & Distribution...54 DI: Determining the Benefit...55 DI: Policy Provisions...56 DI: Contract Workers...57 DI: Wage Loss Replacement...58 DI: Small Business Owners...59 DI: Underwriting & Claims...60 DI: Health & Travel Insurance DI: Specialty Risk Markets

8 Contents CONTINUING EDUCATION Manage Your Practice Getting Established Grow Your Practice Introduction to Segregated Funds...65 Life Insurance Products...66 The Insurance Underwriting Process...67 Annuity Products & Applications...68 Tax Advantaged Retirement Plans...69 Insurance Needs Analysis...70 Insurance Taxation Protect Your Practice Making Choices: Ethics & Professional Responsibility in Practice...72 Anti-Money Laundering & Terrorist Financing...73 Knowing the Code of Professional Conduct The National Do Not Call List What You Need to Know Transition Your Practice...76 Introduction to Business Succession Planning Symposium Update 2015 Financial Advisor & Planners Professional Review...78 Appendix A Advocis Schools...82 hip Advocis Privacy Policy Advocis Course Catalogue

9 Licensing Programs The first step in becoming licensed to offer insurance solutions to your clients is to successfully complete an approved Life License Qualification Program (LLQP). Recognized as one of the top programs leading to a first-time pass rate, the Advocis/ Foran LLQP is the best choice to develop the product understanding to get your career underway. An important outcome of this engagement may be the offering or selling of insurance or investment products that are put in place to implement recommendations and realize those plans. For this purpose, financial advisors are required to obtain a license from their provincial regulator. Who Should Enrol? Anyone seeking a provincial life insurance license

10 Advocis/Foran Life License Qualification Program Life License Qualification Program (LLQP) The first step in becoming licensed to offer insurance solutions to your clients is to successfully complete an approved Life Licensing Qualification Program (LLQP). Recognized as one of the top programs leading to a first-time pass rate, the Advocis/ Foran LLQP is the best choice to develop the product understanding to get your career underway. Designed as a self-study program, the Advocis/Foran LLQP is organized according to the specific learning areas the provincial regulator will test you on. Program Structure The Advocis/Foran LLQP program consists of four modules Life Insurance, Accident & Sickness, Segregated Funds & Annuities and Ethics & Professional Practice or Ethics & Professional Practice (Québec). Each module has a corresponding modular certification exam, which must be completed with a minimum grade of 60 per cent. Once ALL of the certification exams have been successfully completed, you will be eligible to write the four corresponding provincial exams to obtain your license. One year window for completion Complimentary Advocis membership & : $ (plus taxes) 30 (overall program) Online learning & certification exams Tips tool for further definitions or examples on key topics Robust Practice Exam Tool (PET) for extensive exam practice Chapter quizzes First certification exam attempt Detailed analysis of certification exam performance Additional Material Optional printed study material for the program ($50.00 plus shipping & taxes) Access to the Binder tool Download PDF version of course content Access to help for course-related questions 10 Advocis Course Catalogue

11 Advocis/Foran Life License Qualification Program Life License Qualification Program Accident & Sickness (LLQP A&S) The first step in becoming licensed in the area of accident and sickness is to successfully complete an approved Life License Qualification Program Accident & Sickness. Recognized as one of the top programs leading to a first-time pass rate, the Advocis/Foran LLQP A&S is the best choice to develop the product understanding to get your career underway. Designed as a self-study program, the Advocis/Foran LLQP is organized according to the specific learning areas the provincial regulator will test you on. Program Structure The Advocis/Foran LLQP Accident & Sickness program consists of two modules Accident & Sickness and Ethics & Professional Practice or Ethics & Professional Practice (Québec). Each module has a corresponding modular certification exam, which must be completed with a minimum mark of 60 per cent. Once BOTH of the certification exams have been successfully completed, you will be eligible to write the two corresponding provincial exams to obtain your license. One year window for completion Complimentary Advocis membership & : $ (plus taxes) 15 (overall program) Online learning & certification exams Tips tool for further definitions or examples on key topics Robust Practice Exam Tool (PET) for extensive exam practice Chapter quizzes First certification exam attempt Detailed analysis of certification exam performance Additional Material Optional printed study material for the program ($50.00 plus shipping & taxes) Access to the Binder tool Download PDF version of course content Access to help for course-related questions 11

12 Designation Programs Start CFP 231 Financial Planning Fundamentals CLU 235 Advanced Taxation CLU 236 Law CLU 237 Advanced Estate Planning Start CFP 232 Contemporary Practices in Financial Planning CHS 303 Disability Income Insurance CHS 504 Critical Illness, Long-Term Care and Group Benefits or Start CFP 233 Comprehensive Practices in Risk & Retirement Planning FPSC Level 1 Examination in Financial Planning CFP 245 CCH/Advocis FPSC -approved Capstone Course CFP Examination or CFP 234 Wealth Management and Estate Planning 12 Advocis Course Catalogue

13 CCH/Advocis Certified Financial Planner (CFP ) Certification Program Advocis is a proud founding member of the Financial Planning Standards Council (FPSC ), which was established in November 1995 with the core mission of promoting and enforcing professional standards in financial planning through the Certified Financial Planner certification, and raising Canadians awareness of the importance of financial planning. Advocis continues to support and uphold this commitment to promoting competency and ethical standards among financial advisors and planners. CCH and Advocis have formed a partnership to develop an FPSC-approved education program leading to CFP certification, to provide practitioners with a high degree of education in the delivery of competent financial planning advice and service. The CFP designation is conferred by FPSC after students complete rigorous examinations and meet other standards set by FPSC. CFP designation holders are highly regarded for their ability to provide clients with comprehensive financial planning services. CFP designation holders put clients interests first and ensure clients financial needs and objectives are being met through the financial planning process. Who Should Enrol? Individuals looking to earn the internationally-recognized CFP designation Financial services professionals or specialists looking to help consumers plan for their financial future through comprehensive financial planning 13

14 CCH/Advocis Certified Financial Planner (CFP ) Certification Program 231 Financial Planning Fundamentals This course introduces the fundamentals of financial planning, and looks at concepts and applications associated with financial calculations and financial statement analysis. Contracting and family law basics are covered followed by a review of government-sponsored benefit programs. Self-test questions, practice exercises and case studies First exam attempt 120-day window for completion Access to help for course-related questions online and fax : $ (plus taxes and shipping) : $ (plus taxes and shipping) 38 study hours (Advocis) Appendix A. Printed study guide & online testing 14 Advocis Course Catalogue

15 CCH/Advocis Certified Financial Planner (CFP ) Certification Program 232 Contemporary Practices in Financial Planning This course progresses into an advanced understanding of tax laws as they relate to financial planning, including a financial planner s professional and ethical responsibilities. Different forms of business structures and services are explored indepth, along with an understanding of trusts. Self-test questions, practice exercises and case studies First exam attempt 120-day window for completion Access to help for course-related questions online and fax Prerequisite 231 Financial Planning Fundamentals : $ (plus taxes and shipping) : $ (plus taxes and shipping) 47 study hours (Advocis) Appendix A. Printed study guide & online testing 15

16 CCH/Advocis Certified Financial Planner (CFP ) Certification Program 233 Comprehensive Practices in Risk & Retirement Planning This course provides a comprehensive study of the principles and applications for both risk management and retirement planning. Particular focus is given to insurance and retirement planning practices, issues and products. Also explored are risk management and retirement planning processes progressing from the wealth accumulation phase into the retirement phase. Self-test questions, practice exercises and case studies First exam attempt 120-day window for completion Access to help for course-related questions online and fax Prerequisite 231 Financial Planning Fundamentals 232 Contemporary Practices in Financial Planning : $ (plus taxes and shipping) : $ (plus taxes and shipping) 57 study hours (Advocis) Appendix A. Printed study guide & online testing 16 Advocis Course Catalogue

17 CCH/Advocis Certified Financial Planner (CFP ) Certification Program 234 Wealth Management & Estate Planning This course reviews economics and investing basics, and provides an understanding of investment products. Investment planning and key areas of financial management are also explored. The course concludes with estate planning fundamentals, concepts and applications. Self-test questions, practice exercises and case studies First exam attempt Receive the required transcript to write the FPSC Level 1 Examination upon successful completion of the CFP core curriculum 120-day window for completion Access to help for course-related questions online and fax Prerequisite 231 Financial Planning Fundamentals 232 Contemporary Practices in Financial Planning 233 Comprehensive Practices in Risk & Retirement Planning : $ (plus taxes and shipping) : $ (plus taxes and shipping) 55 study hours (Advocis) Appendix A. Printed study guide & online testing 17

18 CCH/Advocis Certified Financial Planner (CFP ) Certification Program 245 CCH/Advocis FPSC-Approved Capstone Course This course focuses on preparing a comprehensive financial plan on an FPSCapproved case study that follows the six-step financial planning process and addresses the competencies laid out in the CFP professional Competency Profile. Students are expected to apply the knowledge gained through the CCH/Advocis CFP Certification Program to develop a comprehensive financial plan that addresses the objectives of a hypothetical client. Self-test questions, practice exercises and case studies First exam attempt 120-day window for completion Access to help for course-related questions online and fax Prerequisite 231 Financial Planning Fundamentals 232 Contemporary Practices in Financial Planning 233 Comprehensive Practices in Risk & Retirement Planning 234 Wealth Management & Estate Planning Additional Materials Financial Planning Case Study, FPSC ($47.99 plus shipping & taxes) Note: Be sure to check the Advocis website for the applicable case study for your semester. All cases are purchased directly from FPSC at : $ (plus taxes) : $ (plus taxes) Capstone Royalty : $ (plus taxes)* : $ (plus taxes)* *CCH/Advocis CFP inclusive 115 study hours (Advocis) Appendix A. Printed study guide, printed textbook, online testing & assignment submission 18 Advocis Course Catalogue

19 Chartered Life Underwriter (CLU ) Designation Program The Chartered Life Underwriter (CLU ) designation has been widely recognized for 90 years as a superior mark of excellence in the financial services industry. Advocis is honored to be the education provider for this prestigious designation. CLU designation holders are regarded as elite professional financial advisors who specialize in developing effective solutions for individuals, business owners, and professionals in the areas of risk management, wealth creation and preservation, estate planning, and wealth transfer. The CLU designation is conferred in Canada exclusively by The Institute for Advanced Financial Education ( The Institute ). The Institute is the leading designation body in Canada for financial services practitioners in the specialty areas of Advanced Estate and Wealth Transfer, and Living Benefits. Who Should Enrol? Individuals looking to earn the highly regarded CLU designation in Canada Financial services professionals or specialists looking to help consumers build and preserve wealth through effective wealth creation, estate planning, and wealth transfer solutions CLU changes for 2016: There will be substantial changes coming into effect for the CLU program in Both 235 Advanced Taxation and 236 Law will be replaced with new courses. More information will be posted when it is available. 19

20 Chartered Life Underwriter (CLU ) Designation Program 235 Advanced Taxation When addressing client needs and objectives, financial advisors must consider the impact income tax regulations have on financial and estate planning. The Advanced Taxation course provides important information on income tax rules and regulations that affect individuals, partners and company owners, and financial advisors themselves. Self-test questions, practice exercises and case studies First exam attempt Challenge exam available to CPA, CMA, CGA or CA designation holders who wish to bypass the course content 120-day window for completion Access to help for course-related questions online and fax Prerequisite 231 Financial Planning Fundamentals 232 Contemporary Practices in Financial Planning 233 Comprehensive Practices in Risk & Retirement Planning 234 Wealth Management & Estate Planning Additional Materials Tax Guide for Investment Advisors, ($52.00 plus shipping & taxes) Full Course: $ (plus taxes and shipping) Challenge Exam: $ (plus taxes and shipping) Full Course: $ (plus taxes and shipping) Challenge Exam: $ (plus taxes and shipping) 137 study hours (Advocis) Appendix A. Printed study guide, printed textbooks & online testing Canadian Taxation of Life Insurance, ($ plus shipping & taxes) CLU changes for 2016: There will be substantial changes coming into effect for the CLU program in Both 235 Advanced Taxation and 236 Law will be replaced with new courses. More information will be posted when it is available. 20 Advocis Course Catalogue

21 Chartered Life Underwriter (CLU ) Designation Program 236 Law This course provides an overview on the laws of the various Canadian jurisdictions (outside Quebec) that affect financial advisors and the products and services they offer. Examples of how the law operates in relation to advisors affairs, their relationship with clients, and the financial service organizations with which they conduct business are also discussed. Self-test questions, practice exercises and case studies First exam attempt 120-day window for completion Access to help for course-related questions online and fax Prerequisite 231 Financial Planning Fundamentals 232 Contemporary Practices in Financial Planning 233 Comprehensive Practices in Risk & Retirement Planning 234 Wealth Management & Estate Planning 235 Advanced Taxation $ (plus taxes and shipping) $ (plus taxes) 45 study hours (Advocis) Appendix A. Printed study guide, printed textbooks & online testing Additional Materials Legal Fundamentals for Insurance and Financial Advisors, ($74.95 for members, $99.95 for non-members, plus shipping & taxes) CLU changes for 2016: There will be substantial changes coming into effect for the CLU program in Both 235 Advanced Taxation and 236 Law will be replaced with new courses. More information will be posted when it is available. 21

22 Chartered Life Underwriter (CLU ) Designation Program 237 Advanced Estate Planning This course is the culmination of all of the courses in the CLU program. The program is designed to help financial advisors hone their skills in working with a client to develop a comprehensive estate plan that addresses all of the client s objectives and obligations. Self-test questions, practice exercises and case studies First exam attempt 120-day window for completion Access to help for course-related questions online and fax Prerequisite 231 Financial Planning Fundamentals 232 Contemporary Practices in Financial Planning 233 Comprehensive Practices in Risk & Retirement Planning 234 Wealth Management & Estate Planning 235 Advanced Taxation 236 Law Additional Materials $ (plus taxes and shipping) $ (plus taxes) 133 study hours (Advocis) Appendix A. Printed study guide, printed textbooks, online assignment submission & proctored paperbased narrative response exam Wealth Planning Strategies for Canadians ($60.00 plus shipping & taxes) Estate Planning with Life Insurance, 4th Edition ($59.95 plus shipping & taxes) CLU changes for 2016: There will be substantial changes coming into effect for the CLU program in Both 235 Advanced Taxation and 236 Law will be replaced with new courses. More information will be posted when it is available. 22 Advocis Course Catalogue

23 Certified Health Insurance Specialist (CHS ) Designation Program The Certified Health Insurance Specialist (CHS ) designation was established in 2011 by The Institute for Advanced Financial Education (The Institute) to raise the bar on professional standards and practice methods of financial advisors in the health insurance sector, and to provide designation holders with expertise in this specialized field. Advocis is proud to be the education provider for the CHS the only health insurance focused designation in Canada which strategically positions financial advisors to meet the growing market demand for informed living benefits advice. The CHS designation is conferred exclusively by The Institute, the leading designation body in Canada for financial services practitioners in the specialty areas of Advanced Estate and Wealth Transfer, and Living Benefits. Who Should Enrol? Individuals looking to earn the only health-insurance focused designation in Canada Financial services professionals or specialists looking to provide expertise in income replacement, critical illness, long-term care, disability and group benefits 23

24 Certified Health Insurance Specialist (CHS ) Designation Program 303 Disability Income Insurance, Individual & Group This course provides a comprehensive description of the living benefits programs and products that address disability and health risks for individuals in personal and business situations. Topics include the nature of the disability insurance risk, disability insurance policy provisions, head office product design and pricing, and special risk products for disability insurance. Robust Practice Exam Tool (PET) for extensive exam practice Online practice end-of-module quizzes Searchable glossary Online study schedule First exam attempt 120-day window for completion Access to help for course-related questions online and fax Additional Materials $ (plus taxes) $ (plus taxes) 76 study hours (Advocis) Appendix A. Online learning & testing Disability Insurance and Other Living Benefits, ($69.95 plus shipping & taxes) Optional printed study guide ($50.00 plus shipping & taxes) 24 Advocis Course Catalogue

25 Ann O Neill, Editor for Advanced Financial Education Certified Health Insurance Specialist (CHS ) Designation Program 504 Critical Illness, Long-Term Care & Group Benefits This course provides a comprehensive review of two special living benefits products critical illness and long-term care while considering key topics such as product design, pricing, marketing, underwriting and claims. Group living benefits are examined within the context of providing protection to employees in the workplace, short-term and long-term disability insurance, dental and health insurance, and flexible benefit and employee assistance programs. Robust Practice Exam Tool (PET) for extensive exam practice Online practice end-of-module quizzes Searchable glossary Online study schedule First exam attempt 120-day window for completion Access to help for course-related questions online and fax Additional Materials $ (plus taxes) $ (plus taxes) 83 study hours (Advocis) Appendix A. Online learning & testing Group Benefits Plan Management Group Benefits Plan Management 2 nd EDITION Group Benefits Plan Management, 2 nd Edition, 2015 ($74.95 for members and $99.95 for non-members plus shipping & taxes) The Aging Client and Long-Term Care, 3rd Edition ($69.95 plus shipping & taxes) Optional printed study guide ($50.00 plus shipping & taxes) 25

26 Critical Illness Insurance Certificate Program This certificate program introduces financial advisors to the valuable role critical illness insurance can play in a client s financial plan. Ensuring your clients are aware of critical illness insurance is a clear demonstration of the value of advice you provide. Regardless of whether your clients purchase critical illness insurance, they need to be properly informed about it. The Critical Illness Insurance Certificate program will not only introduce you to how this innovative product addresses your client s risk of suffering a significant illness, but will also help you fully understand the product, including its unique underwriting requirements and how to position it with your clients. To successfully obtain the Critical Illness Insurance Certificate, students must complete the three modules in this program within one calendar year. Enrol in each module individually or by program. Who Should Enrol? Individuals looking to earn a certificate in critical Illness insurance Individuals looking to obtain a greater understanding of critical illness insurance 26 Advocis Course Catalogue

27 Critical Illness Insurance Certificate Program CI: Product Design & Marketing Critical Illness (CI) insurance product design and marketing addresses the unique features of the CI product that will appeal to the consumer, and compares strategies used for CI to those used for Disability Income and Life Insurance. Learning objectives include understanding how an analysis helps identify a client s needs, the importance of communicating the policy provisions and the conditions for a successful claim, and where CI insurance fits into an overall plan. Two quiz attempts One-month window for completion $50.00 (plus taxes) $75.00 (plus taxes) 4 CE, including 2 Ethics Certification Program 1 of 3 CI modules Online learning & quiz Buy all three modules for the Critical Illness Insurance Certificate Program and save: $90.00 (plus taxes) $ (plus taxes) 27

28 Critical Illness Insurance Certificate Program CI: Plans Options & Provisions Through a review of various critical illness insurance plans, this module provides an overview of the features of each type of CI plan, with special attention given to optional benefits such as Return of Premium on Death (ROPD). General exclusions and limitations are described that are important to understand for the practitioner and the client. Two quiz attempts One-month window for completion $40.00 (plus taxes) $60.00 (plus taxes) 3 CE Certification Program 1 of 3 CI modules Online learning & quiz Buy all three modules for the Critical Illness Insurance Certificate Program and save: $90.00 (plus taxes) $ (plus taxes) 28 Advocis Course Catalogue

29 Critical Illness Insurance Certificate Program CI: Underwriting & Claims This module addresses the special underwriting considerations for CI insurance considering that the insurance coverage is for critical illnesses such as cancer, heart attacks and strokes. The module also looks at the unique nature of CI claims adjudication. Two quiz attempts One-month window for completion $30.00 (plus taxes) $45.00 (plus taxes) Buy all three modules for the Critical Illness Insurance Certificate Program and save: 2 CE Certification Program 1 of 3 CI modules Online learning & quiz $90.00 (plus taxes) $ (plus taxes) 29

30 Long-Term Care Certificate Program With a rapidly aging demographic in Canada, there is an urgent challenge to meet the health and personal-care needs of this growing segment of our population. The Long-Term Care Certificate program is designed to help financial advisors rise to this task by preparing their clients to consider and plan for their long-term care needs. This certificate program provides an understanding of the design and structure of current long-term care insurance plans and explores the chronic conditions many seniors experience, the costs of continuing care, and the various government programs available so that you can adequately assess your client s risk of not being able to afford proper care. To successfully obtain the Long-Term Care Certificate, students must complete the seven modules in this program within one calendar year. Enrol in each module individually or by program. Who Should Enrol? Individuals looking to earn a certificate in long-term care insurance Individuals looking to obtain a greater understanding of long-term care insurance 30 Advocis Course Catalogue

31 Long-Term Care Certificate Program LTC: Senior Care in Canada By examining the issues that arise from an aging population, this module addresses the implications of Canada s insufficient resources to meet the health and personal care needs of this demographic. This includes the burden on the workforce to fund public pension and public health care. Two quiz attempts One-month window for completion $40.00 (plus taxes) $60.00 (plus taxes) Buy all seven modules for the Long-Term Care Certificate Program and save: 3 CE Certification Program 1 of 7 LTC modules Online learning & quiz $ (plus taxes) $ (plus taxes) Additional Materials The Aging Client and Long-Term Care, 3rd Edition ($69.95 plus shipping & taxes) 31

32 Long-Term Care Certificate Program LTC: Caring for Older Adults This module considers social factors affecting seniors such as discrimination and ageism as well as ethics in marketing to seniors. Aging and health concerns are examined with the difference between normal aging and unhealthy aging. Major health conditions that affect older adults and how they should prepare in advance for a medical emergency are considered. Two quiz attempts One-month window for completion $60.00 (plus taxes) $90.00 (plus taxes) 5 CE, including 2 Ethics Certification Program 1 of 7 LTC modules Online learning & quiz Buy all seven modules for the Long-Term Care Certificate Program and save: $ (plus taxes) $ (plus taxes) Additional Materials The Aging Client and Long-Term Care, 3rd Edition ($69.95 plus shipping & taxes) 32 Advocis Course Catalogue

33 Long-Term Care Certificate Program LTC: Needs Analysis for Seniors This offering examines aging and health concerns, and differentiates between normal aging and unhealthy aging. This module also reviews the major health conditions that affect older adults and how they should prepare for a medical emergency. Two quiz attempts One-month window for completion $50.00 (plus taxes) $75.00 (plus taxes) Buy all seven modules for the Long-Term Care Certificate Program and save: 4 CE, including 2 Ethics Certification Program 1 of 7 LTC modules Online learning & quiz $ (plus taxes) $ (plus taxes) Additional Materials The Aging Client and Long-Term Care, 3rd Edition ($69.95 plus shipping & taxes) 33

34 Long-Term Care Certificate Program LTC: Senior Care Alternatives This module addresses government care programs, which are delivered through each province s Ministry of Health. Topics discussed include the factors that influence care options such as unique housing needs, the need for home care or community care, the need for respite for the caregiver, and the support of a care manager. Two quiz attempts One-month window for completion $50.00 (plus taxes) $75.00 (plus taxes) 4 CE Certification Program 1 of 7 LTC modules Online learning & quiz Buy all seven modules for the Long-Term Care Certificate Program and save: $ (plus taxes) $ (plus taxes) Additional Materials The Aging Client and Long-Term Care, 3rd Edition ($69.95 plus shipping & taxes) 34 Advocis Course Catalogue

35 Long-Term Care Certificate Program LTC: Planning Techniques for Seniors This module considers how the needs of the insured will change over time, and how benefits under the LTC policy should reflect those changes. The module also considers the special way in which seniors respond to communication. Two quiz attempts One-month window for completion $50.00 (plus taxes) $75.00 (plus taxes) Buy all seven modules for the Long-Term Care Certificate Program and save: 4 CE, including 2 Ethics Certification Program 1 of 7 LTC modules Online learning & quiz $ (plus taxes) $ (plus taxes) Additional Materials The Aging Client and Long-Term Care, 3rd Edition ($69.95 plus shipping & taxes) 35

36 Long-Term Care Certificate Program LTC: Underwriting & Claims This module offers a discussion of the underwriting and claims process as well as the medical considerations that differentiate LTC underwriting and claims from DI or CI insurance. Two quiz attempts One-month window for completion $30.00 (plus taxes) $45.00 (plus taxes) Buy all seven modules for the Long-Term Care Certificate Program and save: 2 CE Certification Program 1 of 7 LTC modules Online learning & testing $ (plus taxes) $ (plus taxes) Additional Materials The Aging Client and Long-Term Care, 3rd Edition ($69.95 plus shipping & taxes) 36 Advocis Course Catalogue

37 Long-Term Care Certificate Program LTC: Products In this module extensive consideration is given to various insurance policy structures such as the reimbursement-based, the indemnity-based, and the income-based models.also reviews the two major types of benefits: home care benefits and facility benefits. Two quiz attempts One-month window for completion $30.00 (plus taxes) $45.00 (plus taxes) Buy all seven modules for the Long-Term Care Certificate Program and save: 2 CE Certification Program 1 of 7 LTC modules Online learning & quiz $ (plus taxes) $ (plus taxes) Additional Materials The Aging Client and Long-Term Care, 3rd Edition ($69.95 plus shipping & taxes) 37

38 Group Insurance Certificate Program Is one of your practice goals to expand and establish a link to the group insurance business? Are you currently leaving a lucrative group insurance opportunity on the table? If so, this certificate program is for you. Through the Group Insurance Certificate program, you will gain an understanding of the full range of group benefit coverages and plans for employee groups. You will also learn about plan funding, administration, and special marketing protocols, as well as the underwriting and claims processes of group benefit plan management. To successfully obtain the Group Insurance Certificate, students must complete the 12 modules in this program within one calendar year. Enrol in each module individually or by program. Who Should Enrol? Individuals looking to earn a certificate in group insurance Individuals looking to obtain a greater understanding of group insurance 38 Advocis Course Catalogue

39 Group Insurance Certificate Program Group: Addressing Risk Following an introduction to group insurance, underwriting methods and insurable groups, this module addresses the issues of risk and the uncertainty of financial loss, with a focus on pure risk. Two quiz attempts One-month window for completion $30.00 (plus taxes) $45.00 (plus taxes) Buy all 12 modules for the Group Insurance Certificate Program and save: 2 CE Certification Program 1 of 12 Group modules Online learning & quiz $ (plus taxes) $ (plus taxes) Additional Materials Group Benefits Plan Management, 2012 Edition ( $ shipping & taxes) ( $ shipping & taxes) 39

40 Group Insurance Certificate Program Group: Benefit Plan Management In this module employers or other sanctioned organizations offer benefit coverage and plans to various groups including single-employer plans, multiemployer plans, association plans, and creditor plans. The key participants and features for group benefit plans are also addressed. Two quiz attempts One-month window for completion $40.00 (plus taxes) $60.00 (plus taxes) Buy all 12 modules for the Group Insurance Certificate Program and save: 3 CE Certification Program 1 of 12 Group modules Online learning & quiz $ (plus taxes) $ (plus taxes) Additional Materials Group Benefits Plan Management, 2012 Edition ( $ shipping & taxes) ( $ shipping & taxes) 40 Advocis Course Catalogue

41 Group Insurance Certificate Program Group: Plan Design & Funding This module compares group insurance and individual insurance, with a focus on the benefits of the former. This module also provides a general overview of the key funding methods and factors that impact the options for managing the associated financial risk or liability. Two quiz attempts One-month window for completion $50.00 (plus taxes) $75.00 (plus taxes) Buy all 12 modules for the Group Insurance Certificate Program and save: 4 CE Certification Program 1 of 12 Group modules Online learning & quiz $ (plus taxes) $ (plus taxes) Additional Materials Group Benefits Plan Management, 2012 Edition ( $ shipping & taxes) ( $ shipping & taxes) 41

42 Group Insurance Certificate Program Group: Plan Administration Benefit plan administration includes a wide range of tasks that vary depending on whether the plan is new, established or undergoing changes. This module focuses on basic administrative activities and various approaches for carrying them out. Two quiz attempts One-month window for completion $40.00 (plus taxes) $60.00 (plus taxes) Buy all 12 modules for the Group Insurance Certificate Program and save: 3 CE Certification Program 1 of 12 Group modules Online learning & quiz $ (plus taxes) $ (plus taxes) Additional Materials Group Benefits Plan Management, 2012 Edition ( $ shipping & taxes) ( $ shipping & taxes) 42 Advocis Course Catalogue

43 Group Insurance Certificate Program Group: Claims Administration This module provides a description of the process and considerations for health care, dental care and disability claims submissions, and explains the role of the claims analyst, with emphasis on the timely and accurate payment of claims. Two quiz attempts One-month window for completion $40.00 (plus taxes) $60.00 (plus taxes) Buy all 12 modules for the Group Insurance Certificate Program and save: 3 CE Certification Program 1 of 12 Group modules Online learning & quiz $ (plus taxes) $ (plus taxes) Additional Materials Group Benefits Plan Management, 2012 Edition ( $ shipping & taxes) ( $ shipping & taxes) 43

44 Group Insurance Certificate Program Group: Underwriting This module offers a detailed discussion on how group insurance is priced, factors considered in pricing, and the types of claims considered. In each case, the cost of the claim incurred, claims paid, and reserves are related as critical parts of the pricing process. Plan expenses, plan design and group characteristics are also identified as integral parts of pricing. Two quiz attempts One-month window for completion $50.00 (plus taxes) $75.00 (plus taxes) 4 CE Certification Program 1 of 12 Group modules Online learning & quiz Buy all 12 modules for the Group Insurance Certificate Program and save: $ (plus taxes) $ (plus taxes) Additional Materials Group Benefits Plan Management, 2012 Edition ( $ shipping & taxes) ( $ shipping & taxes) 44 Advocis Course Catalogue

45 Group Insurance Certificate Program Group: Disability Income Replacement In this module an in-depth review of group insurance income replacement plans, which protect employees against loss of income in the event of a short-term disability is given. Topics covered include design, funding and administration for various types of plans, accounting requirements, managing employee absence, and the cost of providing benefits. Two quiz attempts One-month window for completion $50.00 (plus taxes) $75.00 (plus taxes) 4 CE Certification Program 1 of 12 Group modules Online learning & quiz Buy all 12 modules for the Group Insurance Certificate Program and save: $ (plus taxes) $ (plus taxes) Additional Materials Group Benefits Plan Management, 2012 Edition ( $ shipping & taxes) ( $ shipping & taxes) 45

46 Group Insurance Certificate Program Group: Extended Health Care Benefits This module provides a review of the services offered under extended health care plans. Topics addressed include plan design and administration of extended health care plans, as well as special features such as deductibles, co-insurance, benefit maximums, customary charges and covered expenses. Two quiz attempts One-month window for completion $40.00 (plus taxes) $60.00 (plus taxes) Buy all 12 modules for the Group Insurance Certificate Program and save: 3 CE Certification Program 1 of 12 Group modules Online learning & quiz $ (plus taxes) $ (plus taxes) Additional Materials Group Benefits Plan Management, 2012 Edition ( $ shipping & taxes) ( $ shipping & taxes) 46 Advocis Course Catalogue

47 Group Insurance Certificate Program Group: Dental Coverage In this module an overview of services offered under dental group plans is given. For group insurance purposes, dental care services are generally grouped into basic or routine care, major restorative and orthodontic services. Two quiz attempts One-month window for completion $30.00 (plus taxes) $45.00 (plus taxes) Buy all 12 modules for the Group Insurance Certificate Program and save: 2 CE Certification Program 1 of 12 Group modules Online learning & quiz $ (plus taxes) $ (plus taxes) Additional Materials Group Benefits Plan Management, 2012 Edition ( $ shipping & taxes) ( $ shipping & taxes) 47

48 Group Insurance Certificate Program Group: Wellness Programs With a focus on the design, administration, taxation and funding considerations of Employee Assistance Programs and wellness programs, this module discusses the ancillary benefits employers might provide such as family benefits, financial benefits, and group legal insurance. Two quiz attempts One-month window for completion $30.00 (plus taxes) $45.00 (plus taxes) Buy all 12 modules for the Group Insurance Certificate Program and save: 2 CE Certification Program 1 of 12 Group modules Online learning & quiz $ (plus taxes) $ (plus taxes) Additional Materials Group Benefits Plan Management, 2012 Edition ( $ shipping & taxes) ( $ shipping & taxes) 48 Advocis Course Catalogue

49 Group Insurance Certificate Program Group: Flexible Benefit Plans In flexible benefits plans, employees decide how employer benefit dollars are spent on their behalf. This module addresses the services and limits offered under flexible benefit plans, various approaches for introducing flexibility, and the pricing and credit structure of the plan. Two quiz attempts One-month window for completion $50.00 (plus taxes) $75.00 (plus taxes) Buy all 12 modules for the Group Insurance Certificate Program and save: 4 CE Certification Program 1 of 12 Group modules Online learning & quiz $ (plus taxes) $ (plus taxes) Additional Materials Group Benefits Plan Management, 2012 Edition ( $ shipping & taxes) ( $ shipping & taxes) 49

50 Group Insurance Certificate Program Group: Insurance Marketing This module reviews the processes involved in group insurance marketing. The role intermediaries such as agents, brokers, consultants and account executives play in the marketing process is also defined. Two quiz attempts One-month window for completion $40.00 (plus taxes) $60.00 (plus taxes) Buy all 12 modules for the Group Insurance Certificate Program and save: 3 CE Certification Program 1 of 12 Group modules Online learning & quiz $ (plus taxes) $ (plus taxes) Additional Materials Group Benefits Plan Management, 2012 Edition ( $ shipping & taxes) ( $ shipping & taxes) 50 Advocis Course Catalogue

51 Disability Income Insurance Certificate Program When the risk of income loss due to illness or injury isn t considered, even the best financial planning can quickly unravel. The Disability Income Insurance Certificate program will equip you with an understanding of disability risks, the level of earned income that can be protected, and sources of income that can be relied on during a disability. In addition to an in-depth review of the common disability income insurance provisions and claims administration, this program will also cover special products for business needs and unique circumstances, such as medical and travel insurance. To successfully obtain the Disability Income Insurance Certificate, students must complete the 11 modules in this program within one calendar year. Enrol in each module individually or by program. Who Should Enrol? Individuals looking to earn a certificate in disability income insurance Individuals looking to obtain a greater understanding of disability income insurance 51

52 Disability Income Insurance Certificate Program DI: Examining Risk This module examines the origin of Disability Income insurance, its evolution, and the special nature of the risks it covers. This module also reviews the concept of living benefits as a full spectrum of health products, representing the insurance industry s response to societal shifts in employment over the past two decades. Two quiz attempts One-month window for completion $50.00 (plus taxes) $75.00 (plus taxes) Buy all 11 modules for the Disability Income Insurance Certificate Program and save: 4 CE, including 1 Ethics Certification Program 1 of 11 DI modules Online learning & quiz $ (plus taxes) $ (plus taxes) Additional Materials Disability Insurance & Other Living Benefits, 3rd Edition ($ shipping & taxes) 52 Advocis Course Catalogue