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Learning Outcomes

Ethics & Professional Practice - Develop an ethical professional practice in compliance with the rules governing the life insurance industry

  1. Integrate into practice the legal aspects of insurance and annuity contracts
    • Delimit the legal framework governing life insurance
    • Characterize the parties involved in the contract
    • Contextualize the rules relating to the contract's formation, taking effect, reinstatement and termination
    • Explain the main provisions and clauses of an insurance or annuity contract
    • Integrate into practice the rules relating to beneficiary designation and exemption from seizure of benefits
    • Contextualize the rules relating to claims and the payment of benefits
  2. Integrate into practice the rules governing the activities of life insurance agents
    • Explain the role of the organzations that protect clients
    • Integrate into practice the obligations and responsibilities of life insurance agents

Life Insurance and Accident & Sickness - Recommend individual and group life insurance products adapted to the client's needs and situation

  1. Assess the client's needs and situation
    • Determine the client's situation
    • Assess the appropriateness of the client's existing coverage in regards to his or her situation
    • Articulate the client's needs based on the risks that could affect his or her financial situation
  2. Analyze the available products that meet the client's needs
    • Analyze the types of contracts that meet the client's needs
    • Analyze the riders that meet the client's needs
  3. Implement a recommendation adatpted to the client's needs and situation
    • Consider the impact of underwriting criteria as they apply to the client's situation
    • Propose a recommendation adapted on the client's needs and situation
    • Confirm the requirements that must be met to implement the recommendation
  4. Provide customer sercie during the validity period of the coverage
    • Validate the appropriateness of contract amendment, renewal and termination applications in regards to the client's situation
    • Inform the claimant of the claims process

Segregated Funds & Annuities - Recommend segregated funds, individual annuities and group pension plans adapted to the client's needs and situation

  1. Assess the client's needs and situation
    • Determine the client's situation, investment objectives, and investor profile
    • Assess the appropriateness of the client's existing coverage in regard to his or her situation
    • Articulate the client's needs based on the risks that could affect his or her financial situation
  2. Analyse the available products that meet the client's needs
    • Analyse the types of investments that can constitute a segregated fund and that meet the client's needs
    • Analyse the advantages of segregated funds in comparison to other types of investments in regard to the client's needs
    • Analyze the types of annuities that meet the client's needs
    • Analyze the types of group retirement and investment plans that meet the client's needs
  3. Implement a recommendation adapted to the client's needs and situation
    • Propose a recommendation adapted to the client's needs and situation
    • Confirm the requirements that must be met to implement the recommendation
  4. Provide customer service during the validity period of the coverage
    • validate the appropriateness of contract amendment, renewal and termination applications in regard to the client's situation
    • Inform the claimant of the claims process