Continuing Education Courses

Your clients are living longer, so they need your help more than ever        

There is no better way to protect your clients from unforeseen financial catastrophe due to illness than with critical illness and long-term care insurance:

• a traditional insurance plan protects a victim’s family only in the event of death
• continuing increases in incidences of cancer place an increasing burden on our health care system and on families of those victims
• the result is that too often the survivor of a critical illness is not able to return to his or her job, and is suddenly faced with unexpected and drastically increased living expenses

Major demographic change is making long-term care a common event in Canadian lives

Without proper long-term care planning, your clients may be forced to:

• sell the family home even though it is still needed for the healthy spouse
• sell capital assets used to generate income to meet medical expenses
• turn to other family members such as their children for care-giving assistance
• drastically lower their standard of living
• make decisions based on government-provided options that may not necessarily align with their personal wishes

This is why critical illness and long-term care insurance can prove so essential: by helping protect a client's savings and overall financial plan, they let you as an advisor help ensure that if the worst happens, your clients will have the comfort and peace of mind they need to focus on helping a loved one get well, without having to worry about financial matters.

Understanding LTC is worth 10 CE credits, and Understanding CI is worth 5 CE credits. And, if you wish, you can have the coursework count towards earning the Registered Health Underwriter (RHU) designation.

Both the Understanding Critical Illness and the Understanding Long-Term Care Illness courses:

• are paper-based and culminate with a paper-based exam
• may be taken in any order, or taken concurrently 
• let you learn at your pace, so you can study around your other obligations, plus give you one full year in which to write the paper-based exam        

Understanding Critical Illness covers:

• basics of critical illness insurance and its market
• the importance of critical illness insurance in services you provide to clients
• history of critical illness and its role in financial services
• contemporary perspectives on and recent changes in the product design and pricing of critical illness insurance
• how to market critical illness insurance, including opening a sale and answering objections
• how to communicate to your clients that critical illness insurance can help meet their needs
• how to explain to your clients the pricing and tax implications of critical illness insurance, and
• the formal requirements for underwriting and dealing with critical illness claims

Understanding Long-Term Care covers:

• the present state of Canadian demography, including the aging of our population and its impact on health care and pensions, with a primary focus on the crucial baby boom age cohort
• working more effectively with your clients
• ensuring you address clients’ future health-care needs
• marketing and selling long-term care products in volume
• effectively explaining to clients the value of a product’s benefits versus its cost
• getting cases underwritten in a timely manner, and
• educating your clients on the need for long-term care products, including the risks they protect against and the positive effects living benefits can have on their own—and their family’s—well-being

• you must write an examination which covers all course material
• you may write the exam at any time within 12 months of registering for the course
• the exam is worth 100% of your overall mark in the course
• to pass the course and receive your CE credits, you must receive at least 60% on the exam
• the exam for Understanding Long-Term Care contains 20 multiple choice questions
• the exam for Understanding Critical Illness contains 10 multiple choice questions
• The course is paper-based, and concludes with an open-book test which must be requested from Advocis and returned by the student within 24 hours of its receipt. The course's CE credits will be granted upon successful completion of the test (a minimum of 60% correctly answered questions is required for a passing grade)

Advocis Member	$99.95
Advocis Non-Member	$149.95

Please note that prices do not include G.S.T. and the cost of supplemental texts.