Chartered Life Underwriter (CLU®) Program Policies

Chartered Life Underwriter® (CLU®) Program Policies

Online Access Restrictions

Please note that all Advocis courses are delivered online. For cybersecurity reasons, course content and associated assessments (e.g., quiz, exam, etc.) can only be accessed within Canada or the United States. Please be sure to plan your studies so that you are able to access course content, assignments, quizzes, and exams from an IP address located in Canada or the US.

Cancellation

You have 10 days from the date of registration to withdraw from your CLU course (255, 256, 257) and receive a partial refund (no refunds after this date). Refund will be calculated based on registration cost minus cancellation fee of $97 + taxes.

Cancellation Fee

$97 + taxes

To cancel your registration, Contact Member Services at info@advocis.ca or 1-877-773-6765.

Exemptions 

Designation Holders Individuals who hold the following designations and wish to pursue the CLU, CHS, or the PFA1 program are eligible to apply for the corresponding exemptions.
Designation Eligible for the following exemption(s):
PFA ·   Entire Advocis Financial Planning Fundamentals Program
CFP® ·   Entire Advocis Financial Planning Fundamentals Program
QAFP™ ·   Entire Advocis Financial Planning Fundamentals Program
CFA® ·   Entire Advocis Financial Planning Fundamentals Program
CPA ·   Entire Advocis Financial Planning Fundamentals Program
PFP® and CSI’s Lending, Retirement & Insurance Supplement (LRIS) Course2 ·   Entire Advocis Financial Planning Fundamentals Program
Pl. Fin. ·   Entire Advocis Financial Planning Fundamentals Program
AVA (QC) ·   Entire Advocis Financial Planning Fundamentals Program ·   Advanced Concepts in Tax & Law for Personal Planning (CLU 255) ·   Tax and Legal Principles for Businesses and their Owners (CLU 256)
TEP ·   Advanced Estate Planning (CLU 257)
1 Holders of the PFP are exempt from the entire Advocis Financial Planning Fundamentals Program, if they have successfully completed CSI’s Lending, Retirement & Insurance Supplement (LRIS) course. Required Supporting Documentation: Applicants must provide one of the following:
  • Letter of Good Standing
  • Designation Certificate
Program Completed Individuals who have completed the following program are eligible to apply for the corresponding exemption.
Course/Program Eligible for the following exemption:
FP Canada Approved Core Curriculum Program ·   Entire Advocis Financial Planning Fundamentals Program
Required Supporting Documentation: Applicants must provide the following:
  • Transcript
  • Proof that program is an FP Canada Approved Core Curriculum Program
IMPORTANT Your Exemption Request Form must include your Advocis ID. If you don’t have one, click here to create it. When creating your Advocis account enter your personal information. Processing may take up to two business days, after which you will receive your Advocis ID by email. For any issues, contact info@advocis.ca
EXEMPTION REQUEST FORM

Extension (CLU 255, CLU 256)*

If you are unable to successfully complete your course within its term, you may purchase an extension (only one extension allowed).

  • You are required to request an extension before your term expires.
  • Your term will be extended by 90 days.
  • You may continue from where you left off (all completed assessments will be retained)

Extension Fee: $75 + taxes

* Extension not available for the Advanced Estate Planning (CLU 257) 

Exam Deferral Policy for the Advanced Estate Planning (CLU 257) Course

  • One time Exam Deferral: The Advanced Estate Planning (CLU 257) exam may be deferred only once, and only to the next available exam session (which will take place during the next semester). 
  • Request Deadline: Exam deferral requests must be submitted prior to your semester’s scheduled exam date. 
  • Exceptions: Exceptions to the requested deadline and exam deferral fee may be considered for medical emergencies only (documentation required).
  • Eligibility: To be eligible for an exam deferral, candidate must have completed all Assignments and Ethics Quizzes during their initial semester enrolment. Exam deferral is not available for candidates scheduled for an exam rewrite (2nd exam attempt). 

Exam Deferral Fee: $200 + taxes

To defer your CLU 257 exam, contact Member Services at info@advocis.ca or 1-877-773-6765. 

Advocis Appeals Policy

Advanced Estate Planning (CLU 257) Assignments or Exams

The goal of the Advocis appeals policy is to ensure that candidates are able to request a re-mark of their assignment or exam if they failed. 

The re-mark of the CLU 257 exam or assignment involves an independent second marker reviewing the assessment in question. The second marker is not provided with details of the student’s original mark. The same rubric used by the original marker must be used for re-marking. The re-marking of an assignment or an exam could result in a higher or a lower mark from the original grade. The second grade will be the final grade.

If you believe an error has been made in the calculation of marks or in the marking of your:

  • CLU Advanced Estate Planning (257) term assignment, or
  • CLU Advanced Estate Planning (257) final exam; or

Note: Feedback reports are not provided with re-mark requests. Candidates will only receive the grade awarded after the re-mark.

Please complete the Request for Re-Mark form (see below).

Please submit your Request for Re-Mark no later than 4 weeks after you receive the final grade on the assignment or the exam.

Allow 30 days for your request to be processed.

Please note that the re-marking of multiple choice exams is not available for the following reasons:

  • there is no discretion in the way a multiple choice test is graded (scored), and
  • if there is an error, for instance, an invalid question, every student will have been subjected to the error

We regularly perform audits of the multiple choice questions in each of the Advocis programs. We do this to ensure that the questions included in our assessments test at an appropriate level and that the questions we ask are fair but challenging.

Appeals Fee: $150 + taxes

Request for re-mark form

Additional Exam or Quiz Attempts

Course Attempts Included With Enrolment Number Of Additional Attempts Fee For Each Additional Attempt Special Terms
CLU 255 or 256 Exam One (1) attempt Two (2) additional attempts $75 + taxes The fee is charged for each additional attempt request made.
CLU 257 – Exam only One (1) attempt One (1) additional attempt $200 + taxes Additional attempt to be completed the following semester. Grades received for Assignments 1 & 2, along with the Ethics quizzes will be transferred. Application Deadline: Request must be submitted four weeks prior to exam date
CLU 257 – Assignments and exam One (1) attempt One (1) additional attempt $250 + taxes Additional attempt to be completed the following semester. Grades received for the Ethics quizzes will be transferred. Application Deadline: Requests must be submitted by the semester's registration deadline, and all assignments must be submitted by the semester's assignment due date.
CLU 257 Ethics Quiz Quiz 1, or Quiz 2, or Quiz 3 Three (3) attemps Unlimited attempts $75 + taxes The fee is charged for each additional attempt request made for each quiz.

Re-enrolment (255 and 256 only)*

If you are unsuccessful in passing your course within its term, you may re-enrol for a reduced fee (only one re-enrolment allowed). The following rules apply:

  • Request must be made within one year from date of purchase
  • 120 days to complete from the date of enrollment
  • All completed assessments are reset and must be completed again
  • Only one re-enrolment allowed

Re-enrolment Fee: $150 + taxes

* Re-enrolment not available for the Advanced Estate Planning (CLU 257). 

Please Note

To request any of the above, contact Member Services via email at info@advocis.ca, or phone 1-877-773-6765 or 416-444-5251.

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