About Us.

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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 [email protected]. 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

53 Disability Income Insurance Certificate Program DI: Needs Analysis Beginning with a review of the client s DI insurance needs, this module goes through each stage of the plan design process. Areas covered include: how to choose a policy best suited for the client s needs; how soon benefits should begin; how long benefits should be payable for a claim; amount of coverage required; and additional features to be included in the plan. Two quiz attempts One-month window for completion $40.00 (plus taxes) $60.00 (plus taxes) 3 CE, including 1 Ethics Certification Program 1 of 11 DI modules Online learning & quiz Buy all 11 modules for the Disability Income Insurance Certificate Program and save: $ (plus taxes) $ (plus taxes) Additional Materials Disability Insurance & Other Living Benefits, 3rd Edition ($ shipping & taxes) 53

54 Disability Income Insurance Certificate Program DI: Product Design & Distribution This module looks at the history and evolution of the brokerage channel for DI, the rise of the MGA network, certain distribution-related issues pertaining to product design, training and compensation, and the tax implications of individual and business disability products. This module also examines the product design process as it applies to disability insurance. Two quiz attempts One-month window for completion $40.00 (plus taxes) $60.00 (plus taxes) 3 CE Certification Program 1 of 11 DI modules Online learning & quiz Buy all 11 modules for the Disability Income Insurance Certificate Program and save: $ (plus taxes) $ (plus taxes) Additional Materials Disability Insurance & Other Living Benefits, 3rd Edition ($ shipping & taxes) 54 Advocis Course Catalogue

55 Disability Income Insurance Certificate Program DI: Determining the Benefit After learning how to fill the income gap in the absence of disability insurance, non-insured sources of income, government sources and group LTD, this module reviews types of income such as bonuses, commissions, dividends, executive perks and spousal income splitting, and looks at the impact of unearned income and net worth on insurable earnings. 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 11 DI modules Online learning & quiz Buy all 11 modules for the Disability Income Insurance Certificate Program and save: $ (plus taxes) $ (plus taxes) Additional Materials Disability Insurance & Other Living Benefits, 3rd Edition ($ shipping & taxes) 55

56 Disability Income Insurance Certificate Program DI: Policy Provisions With a focus on income policies typically sold in traditional markets, this module examines provisions in a disability income policy, including the differences between non-cancellable, guaranteed renewable, conditionally renewable and cancellable policies. The module also looks at the features and requirements of both the occupational and the earnings approach to defining disability. 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 11 DI modules Online learning & quiz Buy all 11 modules for the Disability Income Insurance Certificate Program and save: $ (plus taxes) $ (plus taxes) Additional Materials Disability Insurance & Other Living Benefits, 3rd Edition ($ shipping & taxes) 56 Advocis Course Catalogue

57 Disability Income Insurance Certificate Program DI: Contract Workers Through a review of the changing workforce, this module examines product developments that have made disability income insurance more accessible. The module also looks at the growing demand of DI insurance coverage for nontraditional workers. Two quiz attempts One-month window for completion $30.00 (plus taxes) $45.00 (plus taxes) Buy all 11 modules for the Disability Income Insurance Certificate Program and save: 2 CE 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) 57

58 Disability Income Insurance Certificate Program DI: Wage Loss Replacement This module offers an overview of various workplace solutions for wage loss replacement. Topics covered include the use of individual DI and the concept of grouping, as well as wage loss replacement plans, dealing with existing group LTD, additions and alternatives to group LTD, and guaranteed issue plans. Two quiz attempts One-month window for completion $30.00 (plus taxes) $45.00 (plus taxes) Buy all 11 modules for the Disability Income Insurance Certificate Program and save: 2 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) 58 Advocis Course Catalogue

59 Disability Income Insurance Certificate Program DI: Small Business Owners In this module an examination of disability buy-sell insurance, key person insurance, overhead expense insurance and business loan protection policies, including their features, benefits and taxation is provided. Two quiz attempts One-month window for completion $40.00 (plus taxes) $60.00 (plus taxes) Buy all 11 modules for the Disability Income Insurance Certificate Program and save: 3 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) 59

60 Disability Income Insurance Certificate Program DI: Underwriting & Claims Through a review of DI policy underwriting, this module looks at the advisor s role in field underwriting and the head office underwriter s role in risk assessment. Risk assessment is analyzed from an occupational, medical, financial and lifestyle risk perspective. Additional considerations include the DI claims process, the role of the benefits adjudicator, the role of the advisor and managing expectations. Two quiz attempts One-month window for completion $70.00 (plus taxes) $ (plus taxes) 6 CE, including 1 Ethics Certification Program 1 of 11 DI modules Online learning & quiz Buy all 11 modules for the Disability Income Insurance Certificate Program and save: $ (plus taxes) $ (plus taxes) Additional Materials Disability Insurance & Other Living Benefits, 3rd Edition ($ shipping & taxes) 60 Advocis Course Catalogue

61 Disability Income Insurance Certificate Program DI: Health & Travel Insurance This module examines the public health insurance system, the health care delivery system, veterans benefits and workers compensation insurance. The module also covers the two major categories of travel insurance: individual emergency medical insurance for outbound Canadians and for visitors to Canada. Two quiz attempts One-month window for completion $70.00 (plus taxes) $ (plus taxes) Buy all 11 modules for the Disability Income Insurance Certificate Program and save: 6 CE 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) 61

62 Disability Income Insurance Certificate Program DI: Specialty Risk Markets A close inspection of situations where traditional disability income insurance is not a viable solution is offered in this module. Also examined are the special risk market relative to the need; risk management tools and techniques used in this market; the advisor s perspective; mortgage creditor insurance; and private mortgage insurance. Two quiz attempts One-month window for completion $40.00 (plus taxes) $60.00 (plus taxes) Buy all 11 modules for the Disability Income Insurance Certificate Program and save: 3 CE 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) 62 Advocis Course Catalogue

63 Continuing Education The path you carve as a financial advisor is as individual as you are. Advocis recognizes that no two practices follow the same development process or timeline and that your business is constantly evolving. To support your ongoing and unique needs, the CE we offer is categorized into four key areas: Manage your Practice, Grow your Practice, Protect your Practice, and Transition your Practice. We ve organized our CE in this way to help you zero in on the specific aspects that apply to your practice, when you need them most, in order to achieve your professional development goals. This level of customization is a fundamental part of the flexibility offered through the Advocis Learning Centre. 63

64 Continuing Education Manage Your Practice Getting Established At Advocis, we recognize that developing a reputable practice and creating sustainable strategies for growth is no easy task. To help you plant firm roots in the industry, whether you re just starting out or you want to expand or reframe your practice, Advocis has created the Getting Established program. Following a practical approach, this program goes beyond traditional learning and incorporates a mentorship component as a stepping stone to help you bridge foundational learning with practical skills, setting the stage for long-term success. Paired with an experienced mentor, you ll get the guidance you need to complete the required in-field program activities. This type of coaching allows you to drive the learning while at the same time gaining valuable insights and know-how from your mentor. The Getting Established Program is built on five comprehensive stages and is comprised of 50 practical activities. The program takes approximately one year to complete, but is designed with the flexibility necessary to suit your individual scheduling needs. One-on-one guidance from a mentor 50 practical activities Interactive online response forms to complete and submit the activities Flexible schedule for just in time learning eportfolio an online tool to organize, showcase and share your work Lifetime access to your eportfolio presentation at no additional cost One-year window for completion $ (plus taxes) Note: Advocis membership for advisors in their first year of practice is complimentary. Not Available 30 CE Online learning & activities 64 Advocis Course Catalogue

65 Continuing Education Grow Your Practice Introduction to Segregated Funds With a focus on how segregated fund polices differentiate from other types of life insurance products, this module provides an understanding of the unique features of segregated fund policies. This module also reviews Individual Variable Insurance Contracts and their underlying segregated funds from several different perspectives, and seeks to provide a balanced view of their features, benefits and weaknesses in relation to other products available in the investment marketplace. Two quiz attempts One-month window for completion $ (plus taxes) $ (plus taxes) 11 CE, including 2 Ethics Online learning & quiz 65

66 Continuing Education Grow Your Practice Life Insurance Products This module provides an introduction to one of the most important products for providing life insurance protection to individuals and business owners. This module also positions life insurance products among the various insurance products that address the risk of living too long, dying too soon, and becoming disabled. Two quiz attempts One-month window for completion $ (plus taxes) $ (plus taxes) 10 CE, including 1 Ethics Online learning & quiz 66 Advocis Course Catalogue

67 Continuing Education Grow Your Practice The Insurance Underwriting Process An overview of the underwriting process, and the role life insurance agents play in that process is given in this module. Best practices in completing life insurance applications to ensure accuracy is also looked at. Two quiz attempts One-month window for completion $50.00 (plus taxes) $75.00 (plus taxes) 4 CE, including 1.5 Ethics Online learning & quiz 67

68 Continuing Education Grow Your Practice Annuity Products & Applications This module focuses on understanding the basic structure of annuity contracts issued by insurance companies and the types of annuities available, including life annuities, immediate and deferred annuities. Two quiz attempts One-month window for completion $30.00 (plus taxes) $45.00 (plus taxes) 2 CE Online learning & quiz 68 Advocis Course Catalogue

69 Continuing Education Grow Your Practice Tax Advantaged Retirement Plans This module examines and defines the six steps in the retirement planning process. The current post-retirement income landscape is reviewed along with an explanation of the various income vehicles available both government and private for retirement income such as the Canada Pension Plan, Old Age Security and tax-assisted private pension plans. Two quiz attempts One-month window for completion $ (plus taxes) $ (plus taxes) 11 CE, including 2 Ethics Online learning & quiz 69

70 Continuing Education Grow Your Practice Insurance Needs Analysis This module covers the services a life insurance agent can provide to a client to assist in determining the client s financial needs and objectives. Insurance and risk management strategies are considered through a sample case study and financial plan. Two quiz attempts One-month window for completion $70.00 (plus taxes) $ (plus taxes) 6 CE, including 6 Ethics Online learning & quiz 70 Advocis Course Catalogue

71 Continuing Education Grow Your Practice Insurance Taxation This module examines the Canadian tax system and its role in financial planning. Concepts explored in this context include capital gains and losses, the capital gains exemption, and the income tax implications of life insurance. An analysis of the advantages and disadvantages of registered versus nonregistered investments is presented. Business and individual tax-related applications for life insurance, and when to advise clients to seek advice from a tax professional, complete the module. Two quiz attempts One-month window for completion $80.00 (plus taxes) $ (plus taxes) 7 CE, including 1 Ethics Online learning & quiz 71

72 Continuing Education Protect Your Practice Making Choices: Ethics & Professional Responsibility in Practice A core value at Advocis is the commitment to professionalism among financial advisors. Effective January 1, 2015, FPSC added the category, Professional Responsibility to the continuing education (CE) requirements for CFP professionals and FPSC Level 1 certificants in Financial Planning. FPSC Standards of Professional Responsibility represent the commitment of the CFP professional and the FPSC Level 1 certificant to the public, the industry and the profession. This one-hour CE session guides you through a review of the principles and codes that comprise the Standards of Professional Responsibility and presents client case studies to focus on their application in practice. One month window for completion $15.00 (plus taxes) $25.00 (plus taxes) 1 CE, applicable either to the Professional Responsibility category or to the Financial Planning category Two quiz attempts Download course content Online learning & quiz Additional Material Download and review the Standards of Professional Responsibility from FPSC s website (fpsc.ca) 72 Advocis Course Catalogue

73 Continuing Education Protect Your Practice Anti-Money Laundering & Terrorist Financing This one-hour module assists financial advisors in understanding the requirements mandated under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA). Financial advisors in the insurance and securities industry will learn anti-money laundering and terrorist financing basics; Canadian regulations and the offences and penalties for non-compliance; and ways to implement and adhere to your customized compliance regime, including record-keeping obligations and timelines. Voice-over PowerPoint slides presented in two 30-minute sessions followed by an online quiz No charge Not available 1 Ethics Online learning & quiz 73

74 Continuing Education Protect Your Practice Knowing the Code of Professional Conduct A core value at Advocis is the commitment to professionalism among financial advisors. Part of being a member means agreeing to abide by the Advocis/Institute Code of Professional Conduct (CPC) and Disciplinary Procedures. This one-hour module guides you through the principles that compose the CPC, as well as its value to consumers, Advocis members, and the industry as a whole. As you learn about the process The Institute follows to enforce the CPC when investigating complaints of breaches of the Code, you will gain a thorough understanding of the disciplinary procedures, including the dispute resolution process, hearings, and sanctions. Voice-over PowerPoint slides followed by an online quiz No charge Not available 1 Ethics Online learning & quiz 74 Advocis Course Catalogue

75 Continuing Education Protect Your Practice The National Do Not Call List What You Need to Know The CRTC rules regarding the Do Not Call List (DNCL) of consumer telephone numbers applies to financial advisors and how you connect with prospective and existing clients. In this one-hour module you will be provided with an overview of which CRTC rules apply to you and your practice as well as the penalties imposed on advisors found to be in violation of the CRTC rules. No charge Not available Video presentation followed by an online quiz 1 Ethics Online learning & quiz 75

76 Continuing Education Transition Your Practice Introduction to Business Succession Planning Independent financial advisors have a unique perspective on helping clients prepare for their financial future. Every day, they provide clients with strategic counsel on issues as diverse as estate planning, tax minimization and life transitions. However, too few realize the importance of doing precisely the same thing for their own practice. Whether you re getting your practice off the ground or starting to think about when you re going to retire, it s never too early to begin thinking about a succession plan for your practice. Introduction to Business Succession Planning provides an overview of succession planning models for financial advisor practices and discusses all aspects of creating a successful transition. Two quiz attempts One-month window for completion No charge $45.00 (plus taxes) 2 CE Online learning & quiz 76 Advocis Course Catalogue

77 2014 ADVOCIS REGULATORY AFFAIRS SYMPOSIUM The Time is Right for a New Kind of Advisor: The New Professional The 2014 Advocis Regulatory Affairs Symposium: The New Professional examines topics of interest to new professionals including the future regulation of financial services; the proposals by regulators that would alter the provision of financial advice; and the economic contribution of professional advisors to the Canadian economy. Hear the discussion and earn CE credits! Segment One: Regulation and the Financial Consumer Agency of Canada (FCAC) Gain knowledge of how change and innovation are market-driven to ensure consumer needs and demands are met. And learn more about the future opportunities in the financial services sector; Hear how a robust regulatory framework contributes to a stable and well-developed financial services industry and the future of financial services regulation. Segment Two: International approaches to advisor professionalism Explore the game-changing proposals Canadian regulators are contemplating that would radically alter the provision of financial advice; Examine the reforms which foreign jurisdictions have undertaken to professionalize their advisory sector, with a critical look at what Canada can learn from their experiences. Segment Three: PWC report on the financial advice industry Learn how consumers of financial products are increasing their reliance on their professional financial advisors to address their changing needs as they move through their lifecycle; Discover how small-and medium sized financial advice business contributes to the Canadian economy and the opportunities to financial advisors who adapt an innovative business model. Register today To register, visit Self-study CE Modules CE Segment One: Regulation and the Financial Consumer Agency of Canada (FCAC) 2 $15 $25 Segment Two: International approaches to advisor professionalism 1.25 $10 $15 Segment Three: PWC report on the financial advice industry 1.25 $10 $15 Buy the bundle 4.5 $30 $

78 HOW VULNERABLE ARE YOUR CLIENTS? ADAPT EXCEED CONNECT ANALYZE LISTEN Financial Advisors & Planners Professional Practice Review The combination of rising debt, shifting demographics, regulatory change, and other market complexities is jeopardizing many of your older clients chances of retiring comfortably. As a professional financial advisor it is your duty to guide those who rely on your creativity and expertise through this perfect storm. This full-day facilitated session features videotaped interviews of experts discusses defined learning areas, plus activities that will be introduced for discussion following each interview. During the five videotaped interviews, former Advocis chair Dean Owen, CLU, CH.F.C. speaks with: Keith Sjögren, Director of Research & Advisory Services, Investor Economics, on The Demographic Shift - Impact on Your Client Barry Corbin, LLB, on Regulation Changes - Trusts, Taxation and Wills Graham Carter, CLU, on Wishes, Wants and Reality - In Your Clients Best Interest Judith Wahl, LLB, on Financial Capability - Protecting Your Aging Clients Laura Boden, CFP, CLU, CHS, on Mind the Gap - Addressing Client Debt Before Retirement Attendees of the 2015 edition of Advocis flagship learning event will hear lively discussions on such key topics as: Impact of demographics and demographic change on consumers; Government-driven regulatory and tax changes in trusts, taxation and wills; Growing consumer debt and the danger of live now, pay later spending; Helping clients make sound decisions regarding future wealth transfer; and Protecting aging consumers for a potentially insecure financial future and from becoming vulnerable to financial abuse. Earn up to 12 Institute accredited CE credits Update 2015 (seminar plus self-study) has been accredited for a total of 12 CE credits by the Accreditation Services of The Institute for Advanced Financial Education (IAFE). Attendees will earn six CE credits for attending the full one-day seminar. Four online self-study segments are followed by a quiz to confirm participant s understanding, earning an additional six CE credits. Who Should Participate? All financial advisors and planners will benefit from Update Advocis is pleased to welcome non-members to this program. Register today CURRENT Seminar registration prices vary by location. For full details and to register for the seminar or the self-study modules, visit: Self-study segment CE Segment One: Legal Issues: Senior s Financial Abuse & Capacity 1.5 $20 $30 Segment Two: Protecting Senior Investors 1 $15 $25 Segment Three: Financial Planning for Seniors 1.5 $20 $30 Segment Four: Debt Management for Consumers 2 $30 $50 Buy the bundle 6 $60 $ Advocis Course Catalogue

79 Appendix A ORGANIZATION INSURANCE Advocis Designation Programs Advocis Study Hours FPSC (CFP ) FSCO (Ontario) BC Insurance Council ICS (Saskatchewan) (Study hours) AIC (Alberta) ICM (Manitoba) Total Total Total Total Life A&S Life A&S Insurance of Persons Chambre de la Securite Financiere (Quebec) Group Insurance of Persons Financiere Compliance General Advocis/Foran Life License Qualification Program Life License Qualification Program (LLQP) Life License Qualification Program - Accident & Sickness (LLQP - A&S) 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 Advance Estate Planning Certified Health Insurance Specialist (CHS ) Designation Program Disability Income Insurance, Individual & Group Critical Illiness, Long-Term Care & Group Benefits

80 Appendix B Advocis Continuing Education ORGANIZATION INSURANCE Advocis 1 Total Total The Institute 1 (CLU/ CHS) Ethics included FPSC (CFP ) 2 FSCO 3 (Ontario) BC Insurance Council 3 ICS 3 (Saskatchewan) Total Total Total Total Life A&S Life A&S Manage Your Practice Getting Established Grow Your Practice Critical Illness Insurance Certificate Program CI: Product Design & Marketing CI: Plans, Options & Provisions CI: Underwriting & Claims Long-Term Care Insurance Certificate Program LTC: Senior Care in Canada LTC: Caring for Older Adults LTC: Needs Analysis for Seniors LTC: Senior Care Alternatives LTC: Planning Techniques for Seniors LTC: Underwriting and Claims LTC: Products Group Insurance Certificate Program Group: Addressing Risk Group: Benefit Plan Management Group: Plan Design & Funding Group: Plan Administration Group: Claims Administration Group: Insurance Underwriting Group: Underwriting Group: Disability Income Replacement Group: Extended Health Care Benefits Group: Dental Coverage Group: Wellness Programs Group: Flexible Benefit Plans Group: Insurance Marketing Disability Income Insurance Certificate Program DI: Examining Risk DI: Needs Analysis DI: Product Design & Distribution DI: Determining the Benefit DI: Policy Provisions DI: Contract Workers DI: Wage Loss Replacement DI: Small Business Owners DI: Underwriting & Claims DI: Health & Travel Insurance DI: Specialty Risk Markets AIC 4 (Alberta) ICM 5 (Manitoba) Chambre de la Securite Financiere 6 (Quebec) CECAP 7 IQPF Insurance of Persons Group Insurance of Persons Group Savings Plan Brokerage General Compliance Professional Development Compliance Introduction to Segregated Funds Advocis Course Catalogue

81 Appendix B Continued Advocis Continuing Education ORGANIZATION INSURANCE Advocis 1 Total Total The Institute 1 (CLU/ CHS) Ethics included FPSC (CFP ) 2 FSCO 3 (Ontario) BC Insurance Council 3 ICS 3 (Saskatchewan) Total Total Total Total Life A&S Life A&S AIC 4 (Alberta) ICM 5 (Manitoba) Chambre de la Securite Financiere 6 (Quebec) CECAP 7 IQPF Insurance of Persons Group Insurance of Persons Group Savings Plan Brokerage General Compliance Life Insurance Products The Insurance Underwriting Process Annuity Products & Applications Tax Advantaged Retirement Plans Insurance Needs Analysis Insurance Taxation Protect Your Practice Making Choices Anti-Money Laundering & Terrorist Financing Knowing the Code of Professional Conduct The National Do Not Call List - What You Need to Know Transition Your Practice Introduction to Business Succession Planning Symposium Regulation and the Financial Consumer Agency of Canada (FCAC) Professional Development International Approaches to Advisor Professionalism PwC Report on the Financial Advice Industry Update Financial Advisor & Planners Professional Review Seminar Legal Issues: Senior s Financial Abuse & Capacity Protecting Senior Investors Financial Planning for Seniors Debt Management for Consumers Compliance 1 Advocis obtained CE Accreditation for this program from The Institute Accreditation Services. As a result, Advocis confirms that successful completion of this program can be claimed toward meeting the CE requirements for Advocis membership, CLU designation and CHS designation. 2 Advocis believes that the education content in this program meets the continuing education guidelines set by the Financial Planning Standards Council (FPSC). Should the applicability of an Institute-accredited program be questioned by the FPSC or any other jurisdiction in an audit situation, please contact us at [email protected] for assistance. Since the introduction of the CE Accreditation Services, The Institute has observed that in excess of 99% of Institute-accredited CE credits have passed the scrutiny of Financial Planning Standards Council (FPSC ) CE audit process. Therefore, we believe that these reports, which accompany all Advocis CE certificates, will give you the necessary documentation to demonstrate alignment with FPSC CE requirements. All Advocis CE certificates and CE Decision Reports are included in.pdf format in the Advocis CE database. These reports can also be obtained from the CE provider following completion of an Institute-accredited program. 3 Based on the CE accreditation decision Advocis obtained from The Institute Accreditation Services Advocis believes this program can be claimed towards the CE requirement for this jurisdiction. It is the responsibility of the licensee to assess the appropriateness of this education for the purpose it is being claimed. 4 Advocis has obtained an AIC code for this program, which is currently listed on the AIC website at As a result, Advocis confirms that successful completion of this program can be claimed toward meeting the AIC CE requirement for Life and A&S insurance licenses. 5 Advocis obtained a CE code for this program from the Insurance Council of Manitoba, which is currently listed on the Insurance Council of Manitoba website at As a result, Advocis confirms that successful completion of this program can be claimed toward meeting the ICM CE requirement for Life and A&S insurance licenses. 6 Advocis obtained CE accreditation for this program from La Chambre de la sécurité financière. Advocis confirms that successful completion of this program can be claimed toward meeting the Regulation of La Chambre de la sécurité financière respecting compulsory professional development for Quebec representatives. 7 Advocis has obtained CE accreditation for this program from CECAP. Advocis confirms that successful completion of this program can be claimed toward meeting the IIROC Professional Development CE requirement for Cycle

82 Advocis Schools Providing advisor education that is current, relevant and practical for over 50 years, the Advocis Schools are second to none. Exclusively for advisors and run by advisors, Advocis Schools provide specialized learning experiences in beautiful, resort-style settings. Attending a 2015 Advocis School is an opportunity for you to: Gain new business insights Engage in a community of like-minded professionals Share critical thoughts on the industry Strengthen individual practices The Advocis Schools offer a premier learning experience that is: Field-tested: Well-respected, successful seminar speakers drawn from the best of the advisor community Focused: As a not-for-profit association, our emphasis is strictly on education, so there s no selling from the podium or other diversions Fun: Relax while you network with your fellow professionals in a friendly and engaging environment To learn more or to register, please visit You can also visit each School s website for more information: Okanagan School July 12 15, 2015 Trinity Baptist Church, Kelowna, BC Banff School August 16 19, Atlantic School August 23 25, 2015 Rodd Brudenell River Resort, PEI 82 Advocis Course Catalogue

83 STRENGTH IN A NATIONAL ASSOCIATION The Advocis platform of Education, Advocacy, Protection, and Community advances the value and professionalism of financial advisors and planners across Canada. It is an investment in your profession. EDUCATION PROTECTION 01 Advocis is recognized by regulators as a provider of elite education and designation programs that exceed the needs of today s financial services professionals. 03 Advocis tirelessly works to protect its members from extraneous dangers that can hamper and even endanger profitable practices. Advisors who uphold the Advocis Best Practices Model and Code of Professional Conduct are held to a higher standard by the public. ADVOCACY COMMUNITY Advocis is the voice of Canada s financial advisors with the federal and provincial governments. enjoy professional and economic representation as a single and powerful lobby voice. 02 Advocis members enjoy a national network of like-minded professionals, inclusion in a Canadian directory, discounts on products and services, national impact surveys, recognition and awards. 04 ADVOCACY PROTECTION EDUCATION COMMUNITY 01 04

84 You believe in the power of financial advice, We believe in the power of financial advisors. The industry is changing and now is your time to have a say. Join us and be part of that change. We re out there advocating for you. 1,054 mentions MEDIA RELATIONS Promoting Value & Accessibility 60 programs PARTNERSHIPS Elevating & Educating Our Profession 225 meetings GOV T OFFICIALS Influencing Industry Change INCREASED Positive Public Perception Client Confidence Career Longevity Have your voice heard and be part of an association that works together with other professionals, who are all striving for consumer and advisor protection in the financial services industry. Become a member by calling or ing [email protected]. A United Profession

85 is available online for our designation and continuing education courses at or by calling Hardcopy registration forms are available for our designation programs through advocis.ca. Please have the following ready when registering: Your name Your phone number Your Advocis ID Your address Name of your company Course code Your full mailing address Payment information Submitting the Form Mail: Advocis, 390 Queens Quay West, Suite 209, Toronto, ON M5V 3A2 Phone: or toll free at Fax: Payment Payment for courses or textbooks can be made by personal or company cheque (please allow for an additional 10 business days for processing when paying via cheque), VISA, MasterCard or American Express. Postdated cheques will not be accepted. A $25 charge will apply for NSF cheques. If paying by VISA, MasterCard or American Express, you ll need to supply your card number and expiry date. Pricing Only members in good standing are entitled to member pricing, therefore, Advocis members receiving member pricing must be in good standing upon completion of their course; otherwise they will lose eligibility for member pricing and will be required to pay the difference between member and non-member pricing. Prices are subject to change without notice. The price quoted at point of sale is final. Shipping & Delivery Please allow 5-10 business days for delivery of materials from receipt of registration. Please call us at if you require your material sooner. Transfer Policy Course registration is not transferable. Cancellations If you wish to cancel a designation or licensing course, you must notify us and return all course materials intact within 45 days of registration. A cancellation fee of $100 + GST/HST applies for LLQP, CFP 245 and CLU 237; $75 + GST/HST for all other courses. An additional $35 re-stocking fee will be charged if course materials are returned damaged. Shipping fees are non-refundable. 85

86 Advocis Privacy Policy Your privacy matters to us. We handle your personal information in accordance with the Advocis Privacy Policy, which applies to all members, suppliers, customers, and former customers. To review the Advocis Privacy Policy, visit In order to meet your needs as a member, it is necessary for us to maintain accurate information about you. Therefore, when you deal with us for a service or transaction, we will collect, use, distribute, and retain relevant information. We will not disclose your information to any person without your permission. We will only disclose your information as set out in the terms below. Disclosure as necessary to affect a transaction or service. For example, disclosure will be made to third parties for certain registrations provided they too have appropriate privacy policies. Disclosure will be made if we are compelled to do so by law. We will only disclose the specific information requested. Please note that unless you instruct us otherwise, we will send you information about other courses and materials that we think may be of interest to you. To opt out of specific mailings, please fill out the member s privacy form available at You may choose to opt out of any of the following: Advocis Professional Development/Educational information materials Government/Industry Advocacy Materials Advocis Information and News Broadcast Materials FORUM Magazine Advocis Find An Advisor online directory National Conference Sponsor Materials Third-party information distributed by Advocis Third-party Information distributed by Advocis Partners/Affiliates Permission to disclose information to your employer If you have any questions or concerns, please contact the Advocis Privacy Office at [email protected]. 86 Advocis Course Catalogue

87 Notes

88 Advocis 390 Queens Quay West, Suite 209 Toronto, ON, M5V 3A2 Phone: Toll-Free: Advocis, The Institute for Advanced Financial Education (The Institute ), CLU, CHSTM and APA are trademarks of The Financial Advisors Association of Canada. A publication distributed by The Institute. A Chartered Life Underwriter (CLU ) is a financial advisor who specializes in wealth transfer and estate planning solutions.