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Catalogue of Course Packages

WHAT YOU NEED TO KNOW ABOUT C’Life PACKAGES

A CE package is your best choice to save time and money. Some packages reflect a specific credit-need, such as The Ontario FSRA Life Agent Package; others are based on their learning outcomes, such as the Ethics Package. Be assured, no matter your designation, regulator, or province you can take any package you want.

Packages begin with a table that consolidates all the credits from all the courses in that package. Then, individual course names are followed by a table of credits for that course. You know exactly what you are getting: accredited courses, flexibility, choice, and value.

Use this pulldown menu to find packages by their credit counts. Scroll through catalogue to see the wide range of options. Start now on CE that delivers results.

Course Packages

3 Credits: The Ethics Package

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

You will receive two courses in this package to build your understanding of ethics:

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

  • Get back to basics with essential learning about ethics and rules of conduct;
  • Test yourself against six questions of ethics to examine whether your actions meet expectations;
  • Read case studies to hone your critical ethical decision-making skills.
Principle of Fairness: Applied Ethics for Financial Advisors
Provincial Life Credits: 2 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 2 credits (AB, SK, MB, ON)
CFP® Certificants: 2 credits (Financial Planning)
Institute Members: 2 credits (includes 2 Ethics)
General Credits: 2 credits (BC, AB, SK, MB, ON)

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

Both courses suggest how ethical guidelines can help decision-making and put ethics into practice.

$49.95

$49.95

6 Credits: Pension-Income Safety Net Package

Provincial Life Credits: 6 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 1 credit (AB, SK, MB, ON)
CFP® Certificants: 6 credits (5 Financial Planning, 1 Professional Responsibility)
Institute Members: 5 credits (1 Ethics)
General Credits: 1 credit (BC, AB, SK, MB, ON)
Adjuster Credits: 1 credit (AB)

The pension-income safety net is created for Canadians by Old Age Security and Canada Pension Plan benefits. Make sure nothing escapes the net for your clients with the information and ethical direction these three courses provide.

The CPP Question: When to Start the Retirement Pension?
Provincial Life Credits: 3 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 3 credits (Financial Planning)
Institute Members: 2 credits

 

  • Know how to answer the question of “when is best” when it comes to starting retirement pensions;
  • Learn about eligibility, contributions, strategies for benefits received, and recent changes.
The OAS Balancing Act: Receiving and Retaining the Pension
Provincial Life Credits: 2 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 2 credits (Financial Planning)
Institute Members: 2 credits

 

  • Learn how and when income is determined and how to address clients concerns about tax;
  • Help clients make the right decisions for their OAS pension and build the best pension outcome for their senior years.
Ethics at Work: Professional Challenges, Responsible Results
Provincial Life Credits: 1 credit (BC, AB, SK, MB, ON)
Provincial A&S Credits: 1 credit (AB, SK, MB, ON)
CFP® Certificants: 1 credit (Professional Responsibility)
Institute Members: 1 credit (includes 1 Ethics)
General Credits: 1 credit (BC, AB, SK, MB, ON)
Adjuster Credits: 1 credit (AB)

 

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

You’ll come away from these courses with a meaningful action plan for pension recommendations. Start today!

5 Credit Package: The Pension Safety Net

$74.95

$74.95

7 Credits: The Seminar Alternative Package (Credits = a one-day seminar)

Provincial Life Credits: 7 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 7 credits (AB, SK, MB, ON)
CFP® Certificants: 7 credits (5 Financial Planning, 2 Professional Responsibility)
Institute Members: 7 credits (inc. 3 Ethics)
ID CE Credits: tba
MFD Credits: tba
General Credits: 7 credits (BC, AB, SK, MB, ON)

Save the time and aggravation of seminar attendance—with immediate Certificates. In this package, you receive:

The Client’s Best Interest: Insights and Ideas for Action
Provincial Life Credits: 2 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 2 credits (AB, SK, MB, ON)
FP Canada Credits: 2 credits (Professional Responsibility)
General Credits: 2 credits

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

  • Integrate client best-interest principles into practice and solidify your client relationships.
  • Make clients a priority and confirm your professional responsibility.
  • Enhance personal integrity.
A Big Issue: Your Older and Aging Clients and Their Mental Capacity
Provincial Life Credits: 5 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 5 credits (AB, SK, MB, ON)
FP Canada Credits: 5 credits (General)
Institute Members: 5 credits
MFD Credits: 5 credits (Professional Development)
A Big Issue addresses dementia and Alzheimer’s disease in the context of mental and financial capacity. Here's what you need to know and how to prepare for working with a client who may begin experiencing capacity issues. This course delivers on risk fundamentals by covering:
  • How will you recognize dementia or Alzheimer’s in your client?;
  • How many of your clients may be affected?;
  • What else can and will you do - and when?
  • Is there a role for insurance?
This is information for a frightening problem that can be experienced professionally and personally.

$94.95

$94.95

8 Credits: The Golden Years Planning Package

Provincial Life Credits: 7 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 3 credits (AB, SK, MB, ON)
FP Canada Credits: 8 credits (Financial Planning) (pending)
Institute Members: 8 credits (2 Ethics) (pending)
General Insurance Credits: 3 credits (BC, AB, SK, MB, ON)
The golden years: the time to enjoy the fruits of one’s labour. Make sure your clients who are in this life stage, or getting close, have information relevant to their financial needs and wealth management. Both of these courses focus on issues essential for later life planning.

The Value of a Will
Provincial Life Credits: 5 credits (BC, AB, SK, MB, ON)
FP Canada Credits: 5 credits (Financial Planning)

What is the value of having a will compared to not having a will and dying intestate? How about?
  • the degree of certainty it brings an individual in their lives;
  • the control it exerts over the disposition of assets;
  • the desire not to leave things to chance;
  • to ensure care for loved ones;
  • relieving survivors from decisions they may not want to make.
Those benefits are a valuable proposition for your clients. Of course, you want your clients to experience these advantages. This course will show you how. You will also learn common mistakes made in will preparation and receive a highly useful Asset Inventory form and a Beneficiary Endowment form for use with clients. The value you deliver with this information is deeply meaningful to clients. Don’t hesitate to add this knowledge to your skill set.
Elder Abuse and the Financial Exploitation of Seniors
Provincial Life Credits: 3 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 3 credits (AB, SK, MB, ON)
FP Canada Credits: 3 credits (Financial Planning)
General Credits: 3 credits (AB, SK, MB, ON)
Elder abuse occurs in the form of diminished savings, outright theft, loss of asset ownership, a change of beneficiary designations, or abuse of power of attorney abusing the position to the detriment of the grantor. It is happening all around you — and maybe you have had suspicions that you could not substantiate. That stops now with the knowledge you will gain from this course.

  • Recognize the causes and signs of elder financial abuse;
  • Know your ethical responsibilities towards your client if you suspect abuse;
  • Gain the knowledge you need in order to help suspected victims of elder financial abuse.
.
6 Credit Package: Golden Years Planning

$79.95

$79.95

8 Credits: The Taxing Matters Package

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

Tax can be planned for, accommodated, reduced, and deferred. Become proactive and make positive changes for your clients that can give them the best tax outcome.

This two-course tax-focussed package includes:

Assets: Their Transition and Taxation
Provincial Life Credits: 5 credits (BC, AB, SK, MB, ON)
FP Canada Credits: 5 credits (Financial Planning)
ID CE Credits: tba
MFD Credits: tba
Every single client in your wheelhouse has at least one asset. Some will have many. Some are lucky enough to have assets with enough value that both probate and income tax must be considered in the future when those assets are distributed. No one wants to see their hard-earned savings going to tax unnecessarily. The information in this course will help to ensure that those savings are retained and passed along. It is key to planning an estate. You’ll learn-

  • How probate and income tax must be considered when assets are distributed;
  • How to limit the impact of taxation to allow clients to optimize their hard-earned savings;
  • How to help to ensure client savings are retained and passed along according to plan.
Plan for Probate
Provincial Life Credits: 3 credits (BC, AB, SK, MB, ON)
FP Canada Credits: 3 credits (Financial Planning)
Let’s call probate (or estate administration tax) what it really is: an after-death tax on the value of the assets of the deceased. It must be paid. It is separate and additional to income tax. However, probate can be estimated based on client assets and where the client resides. That estimate can spur the individual to take measures to reduce the amount of probate that will be owed. You can lead the way by working with the client to develop ways and means to reduce probate. You can help your clients save potentially significant costs with the ideas for planning in this course. Do not miss this opportunity.
  • Use this information as a step to resolve the lack of understanding clients have about probate;
  • Help clients save potentially significant probate fees by planning ahead;
  • Find the appropriate strategies in this course to improve outcomes for seniors.

$99.95

$99.95

10 Credits: An Alberta Life + A&S Package for 2026

Provincial Life Credits: 10 credits
Provincial A&S Credits: 10 credits
FP Canada: 10 credits (Financial Planning)
Institute Members: 10 credits
ID CE Credits: 10 credits (Professional Development)
MFD CE Credits: tba
General Credits: 10 credits (BC,AB)

This package can be used by advisors in any province needing 10 credits. For those in Alberta, these 10 can top-up other credits to ensure the total of 15 Life + A&S credits is earned by 30/06/26.

Need 15 credits in each of Life and A&S? — please see the 15-Credit Alberta Dynamic Duo (Life + A&S Courses) Package in this catalogue.

Here are two excellent, on-trend courses to help you achieve your professional goals and ambitions.
THE GOOD OF INSURANCE – Sounding Off on Insurance Benefits
Provincial Life Credits: 5 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 5 credits (BC, AB, SK, MB, ON)
FP Canada Credits: tba
Institute Members: 5 credits
ID CE Credits: tba
MFD Credits: tba
General Credits: 5 credits (BC, AB, SK, MB, ON)

Here are some insurance benefits that reinforce the effectiveness and good uses of an insurance policy. When you complete this course, you will have:

  • A client-focussed list of the unique strengths of insurance;
  • Rewarding ideas you can take to the table to underscore valuable insurance product features;
  • The advantageous considerations only insurance provides and delivers.
Get all the goods here.
Making the Right Choices for Insurance
Provincial Life Credits: 5 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 5 credits (BC, AB, SK, MB, ON)
FP Canada Credits: 5 credits (Financial Planning)
Institute Members: 5 credits
ID CE Credits: tba
MFD Credits: tba

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

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

$124.95

$124.95

10 Credits: The In-the-Know Package

Provincial Life Credits: 10 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 10 credits (Financial Planning)
Institute Members: 10 credits (2 Ethics)
ID CE Credits: tba
MFD Credits: tba

What are your “know” requirements whether as a life agent or investment advisor? They are simple yet challenging: know your client and know your product. Develop that knowledge with these courses.

KNOW YOUR CLIENT: Its Challenges and Rewards
Provincial Life Credits: 3 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 3 credits (AB, SK, MB, ON)
FP Canada Credits: 3 credits (Financial Planning)
Institute Members: 3 credits (includes 1 Ethics)
ID CE Credits: tba
MFD Credits: tba
Knowing your client (KYC) takes time, training, and perseverance. It is surely one of the most challenging requirements faced by those with client responsibilities in the financial services. KYC is the basis for determining suitable investments. It is in your best interest to do a good job of KYC collection and maintenance. It is in your client’s best interest that you practice KYC to the regulatory minimums and beyond. This course puts you on the right track to accomplish those objectives. You will learn the importance of collected information and how client characteristics affect the client profile and your resulting actions. You will learn how to get the facts you need. And, you will learn some impediments to KYC. Experience the advantages of good KYC with the knowledge from this important course.

  • Addresses the new client-focussed reforms as they apply to know your client requirements;
  • Reviews what comprises essential facts and their relevance;
  • Illustrates the relationship between KYC and suitability;
  • Check your decisions with a blueprint for action.
KNOW YOUR PRODUCT: Obligations, Products, and Strategies
Provincial Life Credits: 7 credits (BC, AB, SK, MB, ON)
FP Canada Credits: 7 credits (General)
ID CE Credits: tba
MFD Credits: tba
Know your product (KYP): a straightforward directive that carries considerable weight. It is mandatory in order to make and complete initial recommendations and during continuity of investment ownership. KYP may encompass a limited or a wide array of investments: your knowledge requirement is not lessened if your licensing is restricted. You still must be able to impart relevant and accurate product information to your clients, answer their questions, and make meaningful product comparisons. This breakthrough course delivers a useful profile of investments that will be fundamental to your KYP. It can become your go-to reference after completing its job of continuing education:

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

Knowledge becomes know-how in these courses.

$124.95

$124.95

12 Credit Package: QAFP Qualified

QAFP Credits: 12 credits (10 Financial Planning, 2 Professional Responsibility)
CFP® Certificants: 12 credits (10 Financial Planning, 2 Professional Responsibility)
Provincial Life Credits: 12 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 2 credits (AB, SK, MB, ON)
Institute Members: 3 credits (including 2 Ethics)
ID CE Credits: tba
MFD credits: tba

As a QAFP, FP Canada requires you to complete 12 CE credits annually including 1 Professional Responsibility credit.

Here are three courses in one convenient package that satisfy your FP Canada credit requirements, while delivering credits in all the other categories shown above. You’ll receive excellent oversight of practical matters combined with actionable ideas.

Recognizing and Managing Financial Conflicts of Interest
Provincial Life Credits: 3 credits (BC, AB, SK, MB, ON)
FP Canada Credits: 3 credits (1 Financial Planning, 2 Professional Responsibility)
Institute Members: 3 credits (includes 2 Ethics)
CIRO-ID Credits: tba
CIRO-MFD Credits: tba
Here is a course focussed on what actions comprise conflict of interest (COI) for investment advisors and insurance agents, how they can be managed and mitigated, and the personal development efforts you can undertake to help defeat COI from arising. You will complete this course with:
  • Constructive ideas to implement to avoid COI in your behaviour;
  • Important insight on how COI develops and how it can be mitigated personally and professionally;
  • Answers to some of the big issues about COI and its insidious effects on advice and professional conduct;
  • Valuable case studies to illustrate COI and its outcome.
Make elimination of conflict of interest your objective; read Conflicts of Interest now.
SUDDEN WEALTH: Managing a Windfall from Inheritance, Home Equity, or Business Proceeds
Provincial Life Credits: 7 credits (BC, AB, SK, MB, ON)
FP Canada Credits: 7 credits (Financial Planning)
Receiving a large sum of money can be a source of great joy or deep guilt. Regardless of whether it is bestowed by a sweet twist of fate or other---less happy ---circumstances the money needs professional management to be appropriately used, sustained and grow. The amount received may exceed previous money-management experience of its receivers, leaving them uncertain as to what to do or the best thing to do. That is where you come in --- with a plan to turn sudden wealth into a comfortable long-term lifestyle. If your client expects to inherit, to receive the value of a DCP, to earn equity from a business sale or sale of other property, you will want to begin wealth coaching long before the money is in the bank.
  • Learn the ropes for managing the scope, challenges and benefits of sudden wealth;
  • Implement strategies for saving, investing, insuring and gifting;
  • Explore the details on legal and tax matters.
A Trusted Contact Person: Role and Responsibilities
Provincial Life Credits: 2 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 2 credits (BC, AB, SK, MB, ON)
FP Canada Credits: 2 credits (Financial Planning)
ID CE Credits: tba
MFD Credits: tba
General Credits: 2 credits (BC, AB, SK, MB, ON)
The naming of a trusted contact person (TCP) to an investment account is an excellent idea for customer and advisor alike. Although it is not a requirement, the TCP nomination has been implemented to deter financial exploitation and safeguard financial assets. As such, it seems directed towards older adults, but, in fact, is useful for people of any age and should be used by people of all ages. In this course you will:

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

$149.95

$149.95

15 Credits: The Alberta Dynamic Duo (Life +A&S) Package for 2026

Alberta Life Credits: 15 credits
Alberta A&S Credits: 15 credits
FP Canada: 12 credits (Financial Planning)
Institute Members: 12 credits
ID CE Credits: tba
MFD Credits: tba
General Credits: 7 credits (BC, AB, SK, MB, ON)

Every year C’Life provides you with CE courses that satisfy your need for credits as they deliver practical information.
This year is no different as we deliver courses on the theme of insurance needs.
You receive both 15 Life AND 15 A&S credits for the AIC CE cycle ending 30/06/26 plus all the other credits listed above! Licensees in other provinces also earn all credits in the categories shown.

If you need only 10 credits, please see the 10-Credit Alberta Life + A&S Special Package in this catalogue.

This package delivers three courses that contribute new ideas and valuable solutions to your practice. Start now for an efficient and strategic approach to on-time credit completion.

Insurance for Business Owners
Provincial Life Credits: 4 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 4 credits (BC, AB, SK, MB, ON)
FP Canada Credits: 4 credits (Financial Planning)
Insurance is essential to small business owners. Your efforts right now can focus on planning and implementation—making the best of current circumstances and preparing for an exciting future. Whether funding a buy/sell agreement or an exit strategy for an owner, putting life and health insurance in place, or ensuring protection for the business itself, you could find that working with small business owners can be good business for you.
  • Show clients how insurance can be a cost-saving measure for business owners;
  • Learn about coverage options to ensure that coverage is appropriate to the future needs of the client’s business;
  • Put insurance in context as a solution for efficiently building, transitioning or selling a business.
Insurance Needs of Older Folks
Provincial Life Credits: 4 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 4 credits (BC, AB, SK, MB, ON)
FP Canada Credits: 5 credits (Financial Planning)
Institute Members: 5 credits
MFD Credits: tba
Life insurance is frequently marketed for its use as income replacement during working years in the event of premature death. Does that mean it is obsolete at retirement when income stops? The answer is, no. There are many good reasons for life and health insurance post-retirement. Learn the factors that enter into the assessment of need, the types of life and health insurance that should be in place, and how to make insurance a winning proposition in later life. This course reinforces the uses for insurance for older adults. This includes retirees and those who are contemplating retirement. Both groups need the advantage of insuring now. Help them meet their needs with the understanding you gain from this course.
  • Reinforce your understanding of the insurance needs of retired clients, such as for pension replacement and estate planning;
  • Help your clients see that insurance is not obsolete at retirement;
  •  Reinforce the needs with your clients for insurance after working stops.
Insurance Needs of Newcomers to Canada
Provincial Life Credits: 7 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 7 credits (BC, AB, SK, MB, ON)
FP Canada Credits: 7 credits (Financial Planning)
Institute Members: 7 credits
ID CE Credits: tba
MFD Credits: tba
General Credits: 7 credits (BC, AB, SK, MB, ON)

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

  • Introduce the strengths of insurance products needed by newcomers;
  • Help the newcomer-client recognize the benefits of insurance for risk management;
  • Develop expertise in the newcomer market by addressing the particular circumstances of newcomers.
Make the right offer…make the offer right: on conclusion of Insurance Needs of Newcomers to Canada, you will have new insight into the situation of newcomers and what you can prescribe to create a successful insurance transaction.

$174.95

$174.95

15 Credits: The BC Agent/Advisor CE Package for 2026

Provincial Life Credits: 15 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 8 credits (AB, SK, MB, ON)
FP Canada: 8 credits (Financial Planning)
Institute Members: 5 credits
ID CE Credits: 5 credits (Professional Development)
MFD Credits: tba
General Credits: 8 credits (BC, AB)

Every year C’Life provides you with reliable and efficient CE credits. We can fulfill dependable CE requirements for BC licensees because C’Life is an Insurance Council of BC Accredited Course Provider. And, if you are licensed outside BC, you can also take this package for credits in the categories shown.
This year we focus on vulnerable clients and the strength of insurance products to meet their needs.
Start now to earn 15 Life credits for the ICBC CE cycle ending 31/05/26 while you learn new ideas and add valuable solutions to your practice. You receive:

You receive:

Elder Abuse and the Financial Exploitation of Seniors
Provincial Life Credits: 3 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 3 credits (AB, SK, MB, ON)
FP Canada Credits: 3 credits (Financial Planning)
General Credits: 3 credits (AB, SK, MB, ON)
Elder abuse occurs in the form of diminished savings, outright theft, loss of asset ownership, a change of beneficiary designations, or abuse of power of attorney abusing the position to the detriment of the grantor. It is happening all around you — and maybe you have had suspicions that you could not substantiate. That stops now with the knowledge you will gain from this course.

  • Recognize the causes and signs of elder financial abuse;
  • Know your ethical responsibilities towards your client if you suspect abuse;
  • Gain the knowledge you need in order to help suspected victims of elder financial abuse.
THE GOOD OF INSURANCE – Sounding Off on Insurance Benefits
Provincial Life Credits: 5 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 5 credits (BC, AB, SK, MB, ON)
FP Canada Credits: tba
Institute Members: 5 credits
ID CE Credits: tba
MFD Credits: tba
General Credits: 5 credits (BC, AB, SK, MB, ON)

Here are some insurance benefits that reinforce the effectiveness and good uses of an insurance policy. When you complete this course, you will have:

  • A client-focussed list of the unique strengths of insurance;
  • Rewarding ideas you can take to the table to underscore valuable insurance product features;
  • The advantageous considerations only insurance provides and delivers.
Get all the goods here.
Women – Their Financial and Insurance Needs
Provincial Life Credits: 7 credits (BC, AB, SK, MB, ON)
FP Canada Credits: 7 credits (Financial Planning)
Institute Members: 7 credits
MFD Credits: tba
Single women — whether with dependents, separated or divorced, or widowed — have many special characteristics that relate to their financial planning and insurance needs. This course is going to explain what those characteristics are and how you need to work within their limitations. This course offers insight to both male and female advisors about the financial challenges facing single women. You will develop a better understanding of, and compassion for, women and their specific financial needs.

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

$174.95

$174.95

15 Credits: The Business of Insurance Package

Provincial Life Credits: 15 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 10 credits (AB, SK, MB, ON)
CFP® Certificants: 15 credits (Financial Planning)
Institute Members: 7 credits
ID CE Credits: tba
MFD Credits: tba
General Credits: 7 credits

Here are some new ideas to stimulate your thinking and business results.

The courses in this package include:

Assets: Their Transition and Taxation
Provincial Life Credits: 5 credits (BC, AB, SK, MB, ON)
FP Canada Credits: 5 credits (Financial Planning)
ID CE Credits: tba
MFD Credits: tba
Every single client in your wheelhouse has at least one asset. Some will have many. Some are lucky enough to have assets with enough value that both probate and income tax must be considered in the future when those assets are distributed. No one wants to see their hard-earned savings going to tax unnecessarily. The information in this course will help to ensure that those savings are retained and passed along. It is key to planning an estate. You’ll learn-

  • How probate and income tax must be considered when assets are distributed;
  • How to limit the impact of taxation to allow clients to optimize their hard-earned savings;
  • How to help to ensure client savings are retained and passed along according to plan.
Good Business: Lessons for Success
Provincial Life Credits: 7 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 7 credits (BC, AB, SK, MB, ON)
FP Canada Credits: 7 credits (Financial Planning)
Institute Members: 7 credits
MFD Credits: tba
This course delivers guidance, insights, and solutions that you can easily implement to benefit you and your clients. Ten easy-to-manage lessons provide you with direction on achieving professionalism in your practice while you serve clients’ needs. Ideas and theories are buttressed by lots of hands-on practical client information, including how-tos, why-tos, and when-tos. It is a course you won’t want to miss.

  • Link sales with suitability for best client outcomes;
  • Learn the importance of setting financial goals across all ages;
  • Achieve clarity in virtual and in-person meetings and your writing;
  • Measure your behaviour against common ethical standards;
  • Implement best practices that pay off.
Policy Claims: A Sales and Service Opportunity
Provincial Life Credits: 3 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 3 credits (BC, AB, SK, MB, ON)
FP Canada Credits: 3 credits (Financial Planning)
Putting the claim top of mind may seem contrarian but doing so makes the reasons for insurance transparent and professional. When claims information is covered up-front in a sales presentation it answers a question many prospects may find hard to ask. They want to know, “What’s in it (the insurance) for me?” The answer to their question is the claim benefit. To make sure the claim will be all that you promise, we provide seven pointers on how to ensure a claim is successful. We describe many of the reasons life, A&S, and insurance investment claims are more or less than expected, how to find a missing policy, and pointers for the unhappy claimant. For those struggling to find dollars for premium purposes, knowing who, when, and how the money is received from a policy can underscore the value of insurance.

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

$169.95

$169.95

15 Credits: The Freedom 65+ Package

Provincial Life Credits: 15 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 5.5 credits (AB, SK, MB, ON)
CFP® Certificants: 15 credits (Financial Planning)
Institute Members: 8 credits (including 1 Ethics)
ID CE Credits: tba
MFD Credits: tba

Retirement can be a source of great joy and freedom, however, it is only realistic to expect certain challenges along the way. This package will develop appropriate client guidance based on needs, expectations for retirement, and retirement risks. It includes:

After Age 71: RRSP/LIRA Options and Strategies
Provincial Life Credits: 5 credits (BC, AB, SK, MB, ON)
Institute Members: 5 credits
You might be surprised at the enormous number of uninformed and misinformed people who make decisions for their RRSPs and LIRAs without proper knowledge or guidance. What’s the best way to manage the carefully accumulated account value to create income and have some money to spend? Learn about available choices, considerations, strategies, and action plans. This practical and comprehensive information shows the what, how, and when of “what comes next.”
  • Explore alternatives for clients when their RRSP/LIRA matures;
  • Learn about available choices, considerations, strategies, and action plans for seniors;
  • Implement a maturity option for clients that recognizes their specific requirements and is justifiably in their best interest.
Focus On Retirement Risks
Provincial Life Credits: 7 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 5.5 credits (BC, AB, SK, MB, ON)
FP Canada Credits: 7 credits (Financial Planning)
Retirees face a unique set of risks due to age and circumstances. Their income can be affected by their lifespan, inflation, divorce, declining cognitive ability, overspending, the sequence of returns, and all those unexpected costs that arise and must be paid. We explore these risks — giving you background and analysis — and go on to provide useful risk management ideas and strategies. You will find hard facts on the safe withdrawal rate for savings. You’ll learn shock therapy for the over-spender. And, you may learn some surprising information about the cost of healthcare for Canadians. This course delivers a wealth of meaningful and practical ideas and solutions for safeguarding retirement income.
  • Prepare to tackle seven significant threats to retirees and their income;
  • Explore these risks and learn useful risk management ideas and strategies;
  • Benefit from a wealth of meaningful and actionable ideas.
Know Your Client: Its Challenges and Rewards
Provincial Life Credits: 3 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 3 credits (AB, SK, MB, ON)
FP Canada Credits: 3 credits (Financial Planning)
Institute Members: 3 credits (includes 1 Ethics)
ID CE Credits: tba
MFD Credits: tba
Knowing your client (KYC) takes time, training, and perseverance. It is surely one of the most challenging requirements faced by those with client responsibilities in the financial services. KYC is the basis for determining suitable investments. It is in your best interest to do a good job of KYC collection and maintenance. It is in your client’s best interest that you practice KYC to the regulatory minimums and beyond. This course puts you on the right track to accomplish those objectives. You will learn the importance of collected information and how client characteristics affect the client profile and your resulting actions. You will learn how to get the facts you need. And, you will learn some impediments to KYC. Experience the advantages of good KYC with the knowledge from this important course.

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

$169.95

$169.95

15 Credits: The Institute Pre-approved Package

Institute Members: 15 credits (including 2 Ethics)
Provincial Life Credits: 14 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 15 credits (Financial Planning)
ID CE: tba
MFD Credits: tba

This excellent line-up of courses for 2025 advance your learning while making it easy to satisfy Institute credit requirements. All courses in this package are pre-approved by the Institute. You also earn your mandatory ethics credits.

Thanks to the merged accreditation approach of C’Life, these courses also provide life, FP Canada, and CIRO credits. Complete the courses early in the year and use the credits across the board!

You receive:

Barriers to Insurance: Reasons for Underinsurance
Provincial Life Credits: 5 credits (BC, AB, SK, MB, ON)
FP Canada Credits: 5 credits (Financial Planning)
Institute Members: 5 credits
ID CE Credits: tba
MFD Credits: tba

Procrastination, cognitive biases, and agent behaviour can form roadblocks to acquiring and maintaining insurance coverage. Learn from these and many other reasons individuals fail to acquire insurance policies --- and the information needed by which their position can be reversed. This course delivers all that and:
  • Develops an approach that recognizes and respects the rationale of the prospect/client and their perceived barriers;
  • Achieves better plans based on characteristics of the prospect/client;
  • Facilitates the progression of uninsured to insured or underinsured to insured;
  • Benefits the agent with checklists to test behaviour against standards and expectations.
Take charge to eliminate the barriers holding back action.
Ethics for Institute Members
Provincial Life Credits: 2 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 2 credits (BC, AB, SK, ON)
FP Canada Credits: 2 credits (Financial Planning)
Institute Members: 2 credits (Ethics)
As a member of the Institute, you have an ethical obligation to the organization, to clients, and to your industry. Your objective is to arrive at the best ethical outcome for actions you take and decisions within your control. This course helps you determine some of the situations in which ethics plays a role. We begin with a grounding in ethics and then take a closer look at your ethical obligations. We explore some of the biases that can impact ethics, and ensure that you are particularly attuned to ethical challenges in your seniors’ market. This is, a wide-ranging exploration of ethical issues. The result? Enthusiasm as to how ethics can work for the benefit of you and your clients.
  • Arrive at the best ethical outcomes for clients through your actions and decisions;
  • Understand your ethical obligations, particularly for seniors;
  • Find an appreciation for how ethics benefits you and your clients.
THE FUN OF FUNDS: Consideration of the Positive Features of Mutual Funds and Segregated Funds
Provincial Life Credits: 4 credits (BC, AB, SK, MB, ON)
FP Canada Credits: tba
Institute Members: 4 credits
ID CE Credits: tba
MFD Credits: tba
Well, maybe fun is a slight exaggeration. The point here is that there are many good reasons for fund investing. Leave aside the negative aspects of fees, charges, loads, risks, and volatility of investment funds. Focus the decision about fund investing on the many positive features and advantages that funds offer. This course puts a positive spin on the proposition you put before clients.

  • Review the characteristics, features, benefits, and advantages of funds and fund investing;
  • Receive insight into how funds can be used to champion a cause, interest, or belief through socially responsible investing
  • Learn the ways of tailoring a fund to the aptitude and needs of the investor;
  • Analyze the potential of funds for managing risk.
Practical Client Risk Analysis
Provincial Life Credits: 3 credits (BC, AB, SK, MB, ON)
FP Canada Credits: tba
Institute Members: 4 credits
ID CE Credits: tba
MFD Credits: tba
 
Assuming investment risk too often is associated with a willingness to accept loss. Prove to your client that risk has many dimensions with the information you will learn in this course. Show how risk is a result of psychology, life experiences, social conventions, intelligence, and age amongst other factors. Together, arrive at appropriate decisions with practical information, analysis, and an understanding of:
  • The role of disclosure in regard to risk;
  • The three measurements in a risk profile: tolerance, capacity, and need;
  • The dilemma of applying risk assessment to decision-making.

$169.95

$169.95

15 Credits: The Life Package

Provincial Life Credits: 15 credits (BC, AB, SK, MB, ON)

Conveniently complete accredited life credits with this package.

Complaint Handling and Avoidance
Provincial Life Credits: 5 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 5 credits (AB, SK, MB, ON)
FP Canada Credits: 5 credits (Financial Planning)
Institute Members: 5 credits (inc. 1 Ethics)
Learn the rules and the mitigation measures to prevent complaints. Find out what to expect if a complaint is lodged, and your role in the investigation process. Read extensive case studies in each of insurance, FP Canada, the MFD (formally MFDA) and ID (formally IIROC) complaint hearings. And, see where ombudservices step up, and when the legal remedy applies.
  • Learn what happens when a complaint is filed, and mitigation measures to prevent complaints;
  • Find out what to expect if a complaint is made about you, and your role in the investigation process;
  • Read extensive case studies in each of insurance, FP Canada, the MFD and ID (formerly IIROC) complaint hearings;
  • Gain vital knowledge on how to avoid a complaint in addition to how resolution can be brought about.
Good Business: Lessons for Success
Provincial Life Credits: 7 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 7 credits (BC, AB, SK, MB, ON)
FP Canada Credits: 7 credits (Financial Planning)
Institute Members: 7 credits
MFD Credits: tba
This course delivers guidance, insights, and solutions that you can easily implement to benefit you and your clients. Ten easy-to-manage lessons provide you with direction on achieving professionalism in your practice while you serve clients’ needs. Ideas and theories are buttressed by lots of hands-on practical client information, including how-tos, why-tos, and when-tos. It is a course you won’t want to miss.

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

Why Ethics Matter
Provincial Life Credits: 3 credits (BC, AB, SK, MB, ON)
FP Canada Credits: 3 credits (1 Financial Planning, 2 Professional Responsibility)
ID CE Credits: tba
MFD Credits: tba
What makes ethics important? Ethics matter because they guide the notion of what is right — a concept firmly ensconced in the directive to put client interests first. This directive is broad in scope and challenging to implement. Yet, putting client interest first is now a requirement of the client-focussed reforms adopted by the Canadian Securities Administrators. It cannot be ignored or sidelined. This course will help you understand what ethics is and the many reasons ethics matter. You will read case studies and many practical applications of ethical principles. Finally, you will wrap up with ideas to develop your own code of ethics for professional success.
  • Understand the reasons ethics are essential personally and professionally;
  • Read case studies that illustrate ethical lapses;
  • Discover how to become a more ethical professional to watch business growth.

$169.95

$169.95

15 Credits: The Manitoba Agent/Advisor CE Package 2026

Provincial Life Credits: 15 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 15 credits (AB, SK, MB, ON)
FP Canada: 10 credits (Financial Planning)
Institute Members: 5 credits
ID CE Credits: tba
MFD Credits: tba

 

C’Life strives to provide you with CE credits that contribute new ideas and valuable solutions to your practice.
This year focusses on attaining suitability and the repercussions that arise from failing to meet suitability requirements.
Manitoba licensees receive 15 Life credits to use for the ICM CE cycle ending 31/05/26 in addition to all other categories listed. Licensees in other provinces can earn 15 credits in each category shown above in accordance with their deadline. Wherever you are licensed, start now for an efficient and strategic approach to on-time credit completion.

You receive:

Coping With the Difficult Client
Provincial Life Credits: 5 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 5 credits (BC, AB, SK, MB, ON)
FP Canada Credits: 5 credits (Financial Planning)
CIRO-MFD Credits: tba
There are many, many behavioural management ideas in this informative and useful course. You’ll find it valuable for both coping with those who are difficult and learning how to prevent unpleasant interactions from ever developing. Your level of stress can be significantly lessened with the perspective this course delivers. It’s a winner in your stable of people management skills.

  • Prepare for unreasonable, demanding and unpredictable client behaviour;
  • Learn anger management skills;
  • Find out how to deliver bad news, and the sad consequences of disappointment;
  • Prevent unpleasant interactions and reduce your stress level.
Making the Right Choices for Insurance
Provincial Life Credits: 5 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 5 credits (BC, AB, SK, MB, ON)
FP Canada Credits: 5 credits (Financial Planning)
Institute Members: 5 credits
ID CE Credits: tba
MFD Credits: tba

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

  • Develop a wide-ranging understanding of your role in making insurance right for the clients you have and prospects you encounter;
  • Focus on needs-based selling to sell the right insurance, in the right amount, at the right cost;
  • Make your sales process serve the client by eliminating conflict of interest and by following ethical imperatives.
You will develop a wide-ranging understanding of your role in making insurance right for the clients you have and prospects you encounter. Complete this course now to gain selling confidence and proficiency.
SETTING THE MORAL COMPASS: Professional Responsibility for Financial Advisors
Provincial Life Credits: 5 credits (BC, AB, MB, ON)
Provincial A&S Credits: 5 credits (BC, AB, SK, MB, ON)
FP Canada Credits: 5 credits (Financial Planning)
ICS Life Credits: 5 credits (including 2 Ethics)
Here is your game plan to achieve the highest standards of professional responsibility. The content of this course is organized around your requirements for knowledge; knowledge of the standards of conduct that apply to your job; knowledge of your client; knowledge of how to attain suitability; knowledge of the necessity of disclosure; and, knowledge of conflict of interest. Reading this course for continuing education credits is one step. Making ongoing reference to the content when confronted with difficult decisions is going to show you a way forward.

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

$174.95

$174.95

15 Credit Package: The Saskatchewan Agent/Advisor CE Package

ICS Life Credits: 15 credits (including 3 Ethics)
Provincial A&S Credits: 8 credits (AB, SK, MB, ON)
CFP® Certificants: 12 credits (Financial Planning)
Institute Members: 15 credits (including 1 Ethics)
ID CE Credits: tba
MFD Credits: tba
General Credits: 3 credits (BC, AB, SK, MB, ON)

These courses, for life agents and advisors in Saskatchewan, satisfy the CE guidelines set by the Insurance Councils of Saskatchewan (ICS), including the Ethics requirement for 3 ethics credits per five years of licensing. But these courses are more than just credits: they are a great learning opportunity for new ideas and information.

You’ll receive an immediate regulator-approved Certificate upon completion of each course.

Making the Right Choices for Insurance
Provincial Life Credits: 5 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 5 credits (BC, AB, SK, MB, ON)
FP Canada Credits: 5 credits (Financial Planning)
Institute Members: 5 credits
ID CE Credits: tba
MFD Credits: tba

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

  • Develop a wide-ranging understanding of your role in making insurance right for the clients you have and prospects you encounter;
  • Focus on needs-based selling to sell the right insurance, in the right amount, at the right cost;
  • Make your sales process serve the client by eliminating conflict of interest and by following ethical imperatives.
You will develop a wide-ranging understanding of your role in making insurance right for the clients you have and prospects you encounter. Complete this course now to gain selling confidence and proficiency.
Professional Responsibility and Seniors: Advisor Guidance for Ethical Practice
Provincial Life Credits: 3 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 3 credits (AB, SK, MB, ON)
FP Canada Credits: 3 credits (General)
Institute Members: 3 credits
MFD Credits: 3 credits (Business Conduct Ethics)
This course has a focus on ethics for the senior client. You’ll read background on the challenges seniors present and thought-provoking case studies centred on seniors. Each case study draws upon FP Canada Principles and Rules to provide guidance for your responsibilities. Informative and stimulating, Professional Responsibility and Seniors provides you with important information to use in building and sustaining a relationship with your senior clients.
  • Review the standards of ethics that apply to senior clients;
  • Learn about the challenges seniors present;
Retirement Decumulation – When, How Much, and What to Do
Provincial Life Credits: 7 credits (BC, AB, SK, MB, ON)
FP Canada Credits: tba
Institute Members: 7 credits
ID CE Credits: tba
MFD Credits: tba

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

  • Start with a review of the accumulation process and the necessity to know the client and plan for decumulation;
  • Continue with a review of the factors that impact retirement;
  • Conclude with a review of how to create the individual retirement pay-cheque within limitations and constraints.
From having a second look at savings strategies through to D-Day (Decumulation Day), find ideas to create a retirement paycheque for your client.
trategies through to D-Day (Decumulation Day), find ideas to create a retirement paycheque for your client.

$174.95

$174.95

25 Credits: The FP-Canada 2026 Approved Package for CFP® Professionals

CFP® Certificants: 25 credits (23 Financial Planning, 2 Professional Responsibility)
Provincial Life Credits: 25 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 10 credits (AB, SK, MB, ON)
Institute Members: 20 credits (2 Ethics)
CIRO -ID CE Credits: 7 credits (Professional Development)*
CIRO-MFD CE Credits: 20 credits (Professional Development)*

*Will increase as CIRO approvals are received.

Set your sights on the new C’Life package of courses to complete your FP-Canada CE requirements for 2026. These FP Canada-accredited courses are designed to meet the needs of CFP professionals for new ideas, approaches, and solutions while ensuring you fulfill your CE requirements for this year, including the essential 2 PR credits.

You receive all five courses. Act now to put these comprehensive courses in your C’Life account; they are ready to begin as soon as payment is complete, or you can wait for a time that suits you best. Whenever you start, you can transform your commitment to continuing education into an opportunity for new learning.

This is a simplified, fast and efficient CE process. Your only question is, which of the five courses will I start with?

The Insurance Side of Due Diligence and Disclosure
Provincial Life Credits: 5 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 5 credits (AB, SK, MB, ON)
FP Canada Credits: 5 credits (3 Financial Planning + 2 Professional Responsibility)
Institute Members: 5 credits (2 Ethics)
MFD Credits: 5 credits (Professional Development)

Due diligence and disclosure are two activities that work together: due diligence as a form of information discovery and disclosure as a means of sharing information. Together, they are an essential part of the insurance process. There are countless benefits for the agent or advisor who completes a due diligence review and follows through with disclosure. Whereas due diligence is discovery of facts, disclosure is revealing the facts. Doing so puts client interests first. Learn:
  • The objectives of completing due diligence and disclosure;
  • Performance standards;
  • How disclosure is achieved, and barriers to disclosure.
Completing due diligence and following through with disclosure is an indisputable part of the professional service you provide to clients. Take your current practices to a new level based on the information in this course and you will set standards that satisfy regulatory requirements while establishing your value to clients as an industry professional.
The Intersection of Insurance and Investment
Guide to Investing a Death Benefit

Provincial Life Credits: 7 credits (BC, AB, SK, MB, ON)
FP Canada Credits: 7 credits (Financial Planning)
Institute Members: 7 credits
ID CE Credits: 7 credits (Professional Development)
MFD Credits: 7 credits (Professional Development)

The theory and mechanics of insuring the need for life insurance is fundamental: how much, to whom, and when. The idea of the death benefit may be a somewhat vague notion --- overlooked because of its association with mortality and the end of life. However, the death benefit is the reason that many policyowners acquire a policy. This course takes the concept of the death benefit --- and under your guidance---let’s you say to the policyowner, here’s what to do with the money. The Intersection of Insurance and Investment addresses the basics of coverage and proceeds to address how the sum of the death benefit can be managed, the risks faced by a beneficiary that insurance proceeds might help mitigate, and the investment products that will be suitable for investment of the death benefit. You benefit by the ability you will gain in planning the process and advising at each step. This is not a course for the advisor seeking a transactional sale. It is for the advisor who:

  • Seeks reputational excellence through knowledge and its disclosure;
  • Chooses in-depth analysis to back recommendations;
  • Pursues a course of action to put client interest first.
Evaluating responses to these questions through the lens of ethical obligations affirms a standard of professional conduct that goes beyond minimum, baseline expectations. In doing so, you distinguish yourself among exceptional industry professionals. Making this commitment is ultimately reflected in stronger client relationships and enhanced client experiences. Are you ready to shape your personal standard for personal integrity and conduct? Are you ready to find where insurance meets investment?
Planning For Longevity with Life Insurance
Provincial Life Credits: 5 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 5 credits (AB, SK, MB, ON)
FP Canada Credits: 5 credits (Financial Planning)
Institute Members: 5 credits
MFD Credits: 5 credits (Professional Development)

Let’s be clear: when we talk about longevity we are talking about the length of a lifespan. Let’s also be clear: the length of lifespans in Canada on average is increasing. The longer one lives, the longer one needs to finance the costs of living. Perish the thought---and fear--- of running out of money before running out of life. A plan ensures income is available for the duration of life. Strategies may be adopted for health, lifestyle, and wealth. That is where this course comes in: Strategizing how to build wealth, maintain it, and manage it in the future. The key planning strategies which you will learn to appreciate are:
  • Identifying options for funding,
  • Choosing the option or options that will be most suitable and achievable, and
  • Defining the steps needed to make the desired option a reality.
At the conclusion of this course, you should be able to say to your client with great confidence, let’s talk about your future.
Suitable or Unsuitable?
Determining the Suitability of Insurance and Investment Products

Provincial Life Credits: 3 credits (BC, SK, MB, ON)
FP Canada Credits: 3 credits (Financial Planning)
Institute Members: 3 credits
MFD Credits: 3 credits (Professional Development)

Unsuitable investments have been an ongoing major complaint of investors to regulators. Investors pin underperformance, fees and charges on their advisor and their recommendations. Yet the client is given many ongoing opportunities to retrace their steps and find other investments with which they are more comfortable. Why do they go so far as making as challenging suitability? Avoiding the frustration that leads to charges of unsuitability is one issue addressed in this useful course. You will also:
  • Benefit from a suitability test to apply to recommendations;
  • Learn to manage expectations;
  • Perceive how risk and suitability work hand-in-hand.
  • Learn how to transition the theories of suitability into practical application to arrive at results that put client interests first.
The content of this course is directly relevant to insurance agents and securities advisors. It serves as a practical roadmap for guiding and making suitable decisions. You will find this information foundational for the recommendations you bring forward. Count on it to help you in your advisory role.
The Value of a Will
Provincial Life Credits: 5 credits (BC, AB, SK, MB, ON)
FP Canada Credits: 5 credits (Financial Planning)

What is the value of having a will compared to not having a will and dying intestate? How about?
  • the degree of certainty it brings an individual in their lives;
  • the control it exerts over the disposition of assets;
  • the desire not to leave things to chance;
  • to ensure care for loved ones;
  • relieving survivors from decisions they may not want to make.
Those benefits are a valuable proposition for your clients. Of course, you want your clients to experience these advantages. This course will show you how. You will also learn common mistakes made in will preparation and receive a highly useful Asset Inventory form and a Beneficiary Endowment form for use with clients. The value you deliver with this information is deeply meaningful to clients. Don’t hesitate to add this knowledge to your skill set.

$299.95

$299.95

30 Credits: The CLU®/Financial Advisor Designation Package

CLU Credits (Institute): 30 credits (including 2 Ethics)
Provincial Life Credits: 30 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits 16 credits (AB, SK, MB, ON)
CFP® Certificants: 30 credits (Financial Planning)
ID CE Credits: tba
MFD Credits: tba

Chartered Life Underwriters (CLUs) require a minimum of 30 continuing education (CE) credits each calendar year, two credits of which must be from a recognized Ethics program. A minimum of 15 CE credits must be accredited by The Institute. CLUs can complete this package confident they have met Institute requirements since all courses have been Institute-accredited.

You receive five courses in this package:

Ethics for Institute Members
Provincial Life Credits: 2 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 2 credits (BC, AB, SK, ON)
FP Canada Credits: 2 credits (Financial Planning)
Institute Members: 2 credits (Ethics)
As a member of the Institute, you have an ethical obligation to the organization, to clients, and to your industry. Your objective is to arrive at the best ethical outcome for actions you take and decisions within your control. This course helps you determine some of the situations in which ethics plays a role. We begin with a grounding in ethics and then take a closer look at your ethical obligations. We explore some of the biases that can impact ethics, and ensure that you are particularly attuned to ethical challenges in your seniors’ market. This is, a wide-ranging exploration of ethical issues. The result? Enthusiasm as to how ethics can work for the benefit of you and your clients.
  • Arrive at the best ethical outcomes for clients through your actions and decisions;
  • Understand your ethical obligations, particularly for seniors;
  • Find an appreciation for how ethics benefits you and your clients.
Good Business: Lessons for Success
Provincial Life Credits: 7 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 7 credits (BC, AB, SK, MB, ON)
FP Canada Credits: 7 credits (Financial Planning)
Institute Members: 7 credits
MFD Credits: tba
This course delivers guidance, insights, and solutions that you can easily implement to benefit you and your clients. Ten easy-to-manage lessons provide you with direction on achieving professionalism in your practice while you serve clients’ needs. Ideas and theories are buttressed by lots of hands-on practical client information, including how-tos, why-tos, and when-tos. It is a course you won’t want to miss.

  • Link sales with suitability for best client outcomes;
  • Learn the importance of setting financial goals across all ages;
  • Achieve clarity in virtual and in-person meetings and your writing;
  • Measure your behaviour against common ethical standards;
  • Implement best practices that pay off.
Insurance Needs of Newcomers to Canada
Provincial Life Credits: 7 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 7 credits (BC, AB, SK, MB, ON)
FP Canada Credits: 7 credits (Financial Planning)
Institute Members: 7 credits
ID CE Credits: tba
MFD Credits: tba
General Credits: 7 credits (BC, AB, SK, MB, ON)

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

  • Introduce the strengths of insurance products needed by newcomers;
  • Help the newcomer-client recognize the benefits of insurance for risk management;
  • Develop expertise in the newcomer market by addressing the particular circumstances of newcomers.
Make the right offer…make the offer right: on conclusion of Insurance Needs of Newcomers to Canada, you will have new insight into the situation of newcomers and what you can prescribe to create a successful insurance transaction.
Retirement Decumulation – When, How Much, and What to Do
Provincial Life Credits: 7 credits (BC, AB, SK, MB, ON)
FP Canada Credits: tba
Institute Members: 7 credits
ID CE Credits: tba
MFD Credits: tba

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

  • Start with a review of the accumulation process and the necessity to know the client and plan for decumulation;
  • Continue with a review of the factors that impact retirement;
  • Conclude with a review of how to create the individual retirement pay-cheque within limitations and constraints.
From having a second look at savings strategies through to D-Day (Decumulation Day), find ideas to create a retirement paycheque for your client.
SUDDEN WEALTH: Managing a Windfall from Inheritance, Home Equity, or Business Proceeds
Provincial Life Credits: 7 credits (BC, AB, SK, MB, ON)
FP Canada Credits: 7 credits (Financial Planning)
Receiving a large sum of money can be a source of great joy or deep guilt. Regardless of whether it is bestowed by a sweet twist of fate or other---less happy ---circumstances the money needs professional management to be appropriately used, sustained and grow. The amount received may exceed previous money-management experience of its receivers, leaving them uncertain as to what to do or the best thing to do. That is where you come in --- with a plan to turn sudden wealth into a comfortable long-term lifestyle. If your client expects to inherit, to receive the value of a DCP, to earn equity from a business sale or sale of other property, you will want to begin wealth coaching long before the money is in the bank.
  • Learn the ropes for managing the scope, challenges and benefits of sudden wealth;
  • Implement strategies for saving, investing, insuring and gifting;
  • Explore the details on legal and tax matters.

$324.95

$324.95

30 Credits: The Ontario FSRA Life Agent Package

FSRA (ON) Life Credits: 30 credits (ON + use in BC, AB, SK, MB)
Provincial A&S Credits: 19 credits (AB, SK, MB, ON)
CFP® Certificants: 30 credits (Financial Planning)
CPA PDUs: 30 credits
Institute Members: 23 credits (including one Ethics)
ID CE Credits: tba
MFD Credits: tba
Life agents regulated by FSRA in Ontario require 30 hours of CE every two years at the time of license renewal. C’Life courses meet the requirements of the FSRA for life agents and, as noted above, FP Canada, The Institute, MFD (formally MFDA) and ID (formally IIROC).

Essentials of Canadian Insurance
Provincial Life Credits: 7 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 7 credits (BC, AB, SK, MB, ON)
FP Canada Credits: tba
MFD Credits: tba

Essentials of Canadian Insurance compiles insurance need-to-know terms and concepts into a valuable reference. Eliminates time spent searching and provides comprehensive factual information on a wide array of everyday, need-to-know subjects. What’s in it for you?
  • Improve knowledge of insurance terms and facts without getting bogged down in detail;
  • Recall industry provisions and particulars for application with client needs;
  • Compare features and benefits quickly and easily.
These snapshots of terms, phrases, and policy particulars are exactly what you need to have on hand for quick review and relevance to client needs. You get the benefits and so do the folks in your business who can ramp up their knowledge and proficiency.
The Fun of Funds: Consideration of the Positive Features of Mutual Funds and Segregated Funds
Provincial Life Credits: 4 credits (BC, AB, SK, MB, ON)
FP Canada Credits: tba
Institute Members: 4 credits
ID CE Credits: tba
MFD Credits: tba
Well, maybe fun is a slight exaggeration. The point here is that there are many good reasons for fund investing. Leave aside the negative aspects of fees, charges, loads, risks, and volatility of investment funds. Focus the decision about fund investing on the many positive features and advantages that funds offer. This course puts a positive spin on the proposition you put before clients.

  • Review the characteristics, features, benefits, and advantages of funds and fund investing;
  • Receive insight into how funds can be used to champion a cause, interest, or belief through socially responsible investing
  • Learn the ways of tailoring a fund to the aptitude and needs of the investor;
  • Analyze the potential of funds for managing risk.
The Good of Insurance – Sounding Off on Insurance Benefits
Provincial Life Credits: 5 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 5 credits (BC, AB, SK, MB, ON)
FP Canada Credits: tba
Institute Members: 5 credits
ID CE Credits: tba
MFD Credits: tba
General Credits: 5 credits (BC, AB, SK, MB, ON)

Here are some insurance benefits that reinforce the effectiveness and good uses of an insurance policy. When you complete this course, you will have:

  • A client-focussed list of the unique strengths of insurance;
  • Rewarding ideas you can take to the table to underscore valuable insurance product features;
  • The advantageous considerations only insurance provides and delivers.
Get all the goods here.
Insurance Needs of Newcomers to Canada
Provincial Life Credits: 7 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 7 credits (BC, AB, SK, MB, ON)
FP Canada Credits: 7 credits (Financial Planning)
Institute Members: 7 credits
ID CE Credits: tba
MFD Credits: tba
General Credits: 7 credits (BC, AB, SK, MB, ON)

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

  • Introduce the strengths of insurance products needed by newcomers;
  • Help the newcomer-client recognize the benefits of insurance for risk management;
  • Develop expertise in the newcomer market by addressing the particular circumstances of newcomers.
Make the right offer…make the offer right: on conclusion of Insurance Needs of Newcomers to Canada, you will have new insight into the situation of newcomers and what you can prescribe to create a successful insurance transaction.
Retirement Decumulation – When, How Much, and What to Do
Provincial Life Credits: 7 credits (BC, AB, SK, MB, ON)
FP Canada Credits: tba
Institute Members: 7 credits
ID CE Credits: tba
MFD Credits: tba

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

  • Start with a review of the accumulation process and the necessity to know the client and plan for decumulation;
  • Continue with a review of the factors that impact retirement;
  • Conclude with a review of how to create the individual retirement pay-cheque within limitations and constraints.
From having a second look at savings strategies through to D-Day (Decumulation Day), find ideas to create a retirement paycheque for your client.

$324.95

$324.95

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