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Certified Health Insurance Specialist (CHS®) Designation

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.

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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

Core Courses

CHS students must successfully complete both core courses to earn the CHS® Designation.

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.

  • Learning Objectives
  • Overview
  • Features
  • Delivery
  • CE Credits
  • Price

  • To understand the unique moral, physical and legal hazards associated with disability insurance, your clients' risk of disability in personal and business settings, and the importance of addressing this issue with them
  • To identify, analyze and explain the common provisions of a typical disability income policy including optional coverage benefits
  • To identify and perform the various steps associated with classifying occupations, and preparing the application for head office underwriting
  • To understand the factors affecting the disability claims process


Format: Self-study: Online learning & testing

Pre-requisites: None

Required Textbook:

  • Disability Insurance and Other Living Benefits, Jacqueline Figas, 3rd Edition, $69.95 plus shipping & taxes

Completion Requirements:

  • Passing mark is 60%
  • Completion of four online module quizzes (40% of overall mark)
  • Final online exam (60% of overall mark)


  • 24/7 access to the Advocis Learning Centre
  • Download the eBook version of the course content
  • Robust Practice Quiz Tool
  • 120-day window for completion
  • First exam attempt
  • Searchable glossary
  • Access to the Binder tool
  • Access to help for course-related questions
  • ReadSpeaker text-to-speech tool


  • Self-study: We recommend students create and follow a study schedule, and take advantage of the Practice Quiz Tool to prepare them for the module quizzes and final exam. After each module quiz, students receive feedback on incorrect answers to advance their overall learning.

  • Instructor-led: Advocis and CCH have partnered with a number of post-secondary institutions to offer our courses in a classroom setting. Please click here for additional information on how to register for this program through one of our education partners.


TBA


Members: $395.00 plus shipping & taxes

Non-members: $595.00 plus shipping & taxes

Administrative Policies:

  • Course duration is 120 days
  • A 2 month extension can be purchased for a fee
  • Allow for 1-2 business days to access the course following the registration and payment process

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504 –  Critical Illness, Long-term Care & Group Living 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 as well as employee assistance programs.

  • Learning Objectives
  • Overview
  • Features
  • Delivery
  • CE Credits
  • Price

  • To appreciate the unique challenges around the design and pricing of CI products, underwriting applications for critical illness, and the importance of the advisor's role
  • To consider the need for advanced planning with clients regarding their short- and long-term care needs
  • To distinguish between different forms of LTC insurance and explain the differences in considering the challeges facing aging clients
  • To appreciate the complexities of group plan design, administration, underwriting and claims adjudication


Format: Self-study: Online learning & testing

Pre-requisites: None

Required Textbooks:

  • Group Benefits Plan Management, Ann O'Neil, 2012 Edition, Members: $74.95 plus shipping & taxes | Non-members: $99.95 plus shipping & taxes
  • The Aging Client and Long-Term Care, Jacqueline E. Figas, 3rd Edition, $69.95 plus shipping & taxes

Completion Requirements:

  • Passing mark is 60%
  • Completion of six online module quizzes (40% of overall mark)
  • Final online exam (60% of overall mark)


  • 24/7 access to the Advocis Learning Centre
  • Download the eBook version of the course content
  • Robust Practice Quiz Tool
  • 120-day window for completion
  • First exam attempt
  • Searchable glossary
  • Access to the Binder tool
  • Access to help for course-related questions
  • ReadSpeaker text-to-speech tool


  • Self-study: We recommend students create and follow a study schedule, and take advantage of the Practice Quiz Tool to prepare them for the module quizzes and final exam. After each module quiz, students receive feedback on incorrect answers to advance their overall learning.

  • Instructor-led: Advocis and CCH have partnered with a number of post-secondary institutions to offer our courses in a classroom setting. Please click here for additional information on how to register for this program through one of our education partners.


TBA


Members: $395.00 plus shipping & taxes

Non-members: $595.00 plus shipping & taxes

Administrative Policies:

  • Course duration is 120 days
  • A 2 month extension can be purchased for a fee
  • Allow for 1-2 business days to access the course following the registration and payment process

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Elective Courses

CHS students must successfully complete one of the following elective courses to earn the CHS® Designation.

241 – 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

  • Learning Objectives
  • Overview
  • Features
  • Delivery
  • CE Credits
  • Price

  • To understand the concepts and applications associated with financial calculations and financial statement analysis, and the basic concepts of contracting and family law, and government sponsored benefit programs

Format: Self-study: online learning and testing

Pre-requisites: None

Additional Material: None

Completion Requirements:

  • Passing mark is 60%
  • Completion of five online module quizzes (30% of overall mark)
  • Completion of one case study (10% of overall mark)
  • Final online exam (60% of overall mark)


  • 24/7 access to the Advocis Learning Centre
  • Self-test questions, practice exercises and case studies
  • First exam attempt
  • 120-day window for completion
  • Access to the Binder tool
  • Access to help for course-related questions
  • New audio tool available!

    Whether you're an auditory learner or you prefer to listen to your study material while driving or going for a walk, ReadSpeaker brings a text-to-speech functionality to the learning environment. You'll find the ReadSpeaker button at the top left corner of every course content page. Simply click the button and ReadSpeaker will read the content to you, including the option to highlight the text as it's being read, or if you prefer to listen to that page later you can download the page as an MP3.


  • Self-study: We recommend students create and follow a study schedule, and take advantage of the exercises, problems and case studies offered throughout the course. After each module quiz, students receive feedback on incorrect answers to advance their learning in preparation for the final exam.

  • Instructor-led: Advocis and CCH have partnered with a number of post secondary institutions to offer our courses in a classroom setting. Please click here for additional information on how to register for this program through one of our education partners.


TBA


Members: $450.00 plus shipping & taxes

Non-members: $570.00 plus shipping & taxes

Administrative Policies:

  • Course duration is 120 days
  • A 2 month extension can be purchased for a fee
  • Allow for 1-2 business days to access the course following the registration and payment process

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242 – 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 in- depth, along with an understanding of trusts.

  • Learning Objectives
  • Overview
  • Features
  • Delivery
  • CE Credits
  • Price

  • To identify, analyze, interpret and evaluate tax situations using income tax terminology and general tax concepts including types of income and deductions, non-refundable tax credits and clawback provisions
  • To understand, explain and apply extensive applications relative to capital gains including types of property, adjusted cost base, deemed dispositions, recapture of CCA and terminal loss rules
  • To identify, explain and apply an in-depth knowledge of different forms of organizations including a sole proprietorship, partnership, and corporation


Format: Self-study: online learning and testing

Pre-requisites: FP241

Additional Material: None

Completion Requirements:

  • Passing mark is 60%
  • Completion of five online module quizzes (30% of overall mark)
  • Completion of one case study (10% of overall mark)
  • Final online exam (60% of overall mark)


  • 24/7 access to the Advocis Learning Centre
  • Self-test questions, practice exercises and case studies
  • First exam attempt
  • 120-day window for completion
  • Access to the Binder tool
  • Access to help for course-related questions
  • New audio tool available!

    Whether you're an auditory learner or you prefer to listen to your study material while driving or going for a walk, ReadSpeaker brings a text-to-speech functionality to the learning environment. You'll find the ReadSpeaker button at the top left corner of every course content page. Simply click the button and ReadSpeaker will read the content to you, including the option to highlight the text as it's being read, or if you prefer to listen to that page later you can download the page as an MP3.


  • Self-study: We recommend students create and follow a study schedule, and take advantage of the exercises, problems and case studies offered throughout the course. After each module quiz, students receive feedback on incorrect answers to advance their learning in preparation for the final exam.

  • Instructor-led: Advocis and CCH have partnered with a number of post secondary institutions to offer our courses in a classroom setting. Please click here for additional information on how to register for this program through one of our education partners.


TBA


Members: $450.00 plus shipping & taxes

Non-members: $570.00 plus shipping & taxes

Administrative Policies:

  • Course duration is 120 days
  • A 2 month extension can be purchased for a fee
  • Allow for 1-2 business days to access the course following the registration and payment process

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243 – 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.

  • Learning Objectives
  • Overview
  • Features
  • Delivery
  • CE Credits
  • Price

  • To understand the products, issues and practices of managing risk
  • To consider aspects of retirement planning and the application of various retirement plan vehicles to meet retirement planning objectives


Format: Self-study: online learning and testing

Pre-requisites: FP241 & 242

Additional Material: None

Completion Requirements:

  • Passing mark is 60%
  • Completion of five online module quizzes (30% of overall mark)
  • Completion of one case study (10% of overall mark)
  • Final online exam (60% of overall mark)


  • 24/7 access to the Advocis Learning Centre
  • Self-test questions, practice exercises and case studies
  • First exam attempt
  • 120-day window for completion
  • Access to the Binder tool
  • Access to help for course-related questions
  • New audio tool available!

    Whether you're an auditory learner or you prefer to listen to your study material while driving or going for a walk, ReadSpeaker brings a text-to-speech functionality to the learning environment. You'll find the ReadSpeaker button at the top left corner of every course content page. Simply click the button and ReadSpeaker will read the content to you, including the option to highlight the text as it's being read, or if you prefer to listen to that page later you can download the page as an MP3.


  • Self-study: We recommend students create and follow a study schedule, and take advantage of the exercises, problems and case studies offered throughout the course. After each module quiz, students receive feedback on incorrect answers to advance their learning in preparation for the final exam.

  • Instructor-led: Advocis and CCH have partnered with a number of post secondary institutions to offer our courses in a classroom setting. Please click here for additional information on how to register for this program through one of our education partners.


TBA


Members: $450.00 plus shipping & taxes

Non-members: $570.00 plus shipping & taxes

Administrative Policies:

  • Course duration is 120 days
  • A 2 month extension can be purchased for a fee
  • Allow for 1-2 business days to access the course following the registration and payment process

regnow1  regnow1

244 – 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.

  • Learning Objectives
  • Overview
  • Features
  • Delivery
  • CE Credits
  • Price

  • To understand the fundamentals important to the topics of economics and investing as they relate to key areas of financial planning
  • To examine a broad array of investment products and explores the subject of personal financial management
  • To consider estate planning fundamentals, concepts and applications to the financial planning process


Format: Self-study: online learning and testing

Pre-requisites: FP241 - 243

Additional Material: None

Completion Requirements:

  • Passing mark is 60%
  • Completion of four online module quizzes (30% of overall mark)
  • Completion of one case study (10% of overall mark)
  • Final online exam (60% of overall mark)


  • 24/7 access to the Advocis Learning Centre
  • Self-test questions, practice exercises and case studies
  • First exam attempt
  • 120-day window for completion
  • Access to the Binder tool
  • Access to help for course-related questions
  • New audio tool available!

    Whether you're an auditory learner or you prefer to listen to your study material while driving or going for a walk, ReadSpeaker brings a text-to-speech functionality to the learning environment. You'll find the ReadSpeaker button at the top left corner of every course content page. Simply click the button and ReadSpeaker will read the content to you, including the option to highlight the text as it's being read, or if you prefer to listen to that page later you can download the page as an MP3.


  • Self-study: We recommend students create and follow a study schedule, and take advantage of the exercises, problems and case studies offered throughout the course. After each module quiz, students receive feedback on incorrect answers to advance their learning in preparation for the final exam.

  • Instructor-led: Advocis and CCH have partnered with a number of post secondary institutions to offer our courses in a classroom setting. Please click here for additional information on how to register for this program through one of our education partners.


TBA


Members: $450.00 plus shipping & taxes

Non-members: $570.00 plus shipping & taxes

Administrative Policies:

  • Course duration is 120 days
  • A 2 month extension can be purchased for a fee
  • Allow for 1-2 business days to access the course following the registration and payment process

regnow1  regnow1