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When the risk of income loss due to illness or injury isn’t considered, even the best financial planning can quickly unravel.
The Disability Income Insurance Certificate program will equip you with an understanding of disability risks, the level of earned income that can be protected, and sources of income that can be relied on during a disability. In addition to an in-depth review of the common disability income insurance provisions and claims administration, this program will also cover special products for business needs and unique circumstances, such as medical and travel insurance.
To successfully obtain the Disability Income Insurance Certificate, candidates will need to complete all ten modules in this program within one calendar year.
This module examines the origin of Disability Income insurance, its evolution, and the special nature of the risks it covers. This module also reviews the concept of living benefits as a full spectrum of health products, representing the insurance industry’s response to societal shifts in employment over the past two decades.
Format: Online learning & quiz
Pre-requisites: None
CE Credits: 4 CE
Note: Please check with your jurisdiction, designating body or professional association regarding their CE requirements.
Additional Material Required: Disability Insurance and Other Living Benefits, Jacqueline Figas, 3rd Edition, $69.95 plus shipping & taxes
Completion Requirements:
Members: $390.00 plus shipping & taxes
Non-members: $663.00 plus shipping & taxes
Administrative Policies:
Beginning with a review of the client’s DI insurance needs, this module goes through each stage of the plan design process in detail. Areas covered include how to choose a policy best suited for the client’s needs, how soon benefits should begin, how long benefits should be payable for a claim, amount of coverage required, and additional features to be included in the plan.
Format: Online learning & quiz
Pre-requisites: None
CE Credits: 3 CE
Note: Please check with your jurisdiction, designating body or professional association regarding their CE requirements.
Additional Material Required: Disability Insurance and Other Living Benefits, Jacqueline Figas, 3rd Edition, $69.95 plus shipping & taxes
Completion Requirements:
Members: $390.00 plus shipping & taxes
Non-members: $663.00 plus shipping & taxes
Administrative Policies:
After learning how to fill the income gap in the absence of disability insurance, non–insured sources of income, government sources and group LTD, this module reviews types of income such as bonuses, commissions, dividends, executive perks, and spousal income splitting, and looks at the impact of unearned income and net worth on insurable earnings.
Format: Online learning & quiz
Pre-requisites: None
CE Credits: 4 CE
Note: Please check with your jurisdiction, designating body or professional association regarding their CE requirements
Additional Material Required:
Completion Requirements:
Members: $390.00 plus shipping & taxes
Non-members: $663.00 plus shipping & taxes
Administrative Policies:
With a focus on income policies typically sold in traditional markets, this module examines provisions in a disability income policy, including the differences between non-cancellable, guaranteed renewable, conditionally renewable and cancellable policies. The module also looks at the features and requirements of both the occupational and the earnings approach to defining disability.
Format: Online learning & quiz
Pre-requisites: None
CE Credits: 5 CE
Note: Please check with your jurisdiction, designating body or professional association regarding their CE requirements
Additional Material Required:
Completion Requirements:
Members: $390.00 plus shipping & taxes
Non-members: $663.00 plus shipping & taxes
Administrative Policies:
Through a review of the changing workforce, this module examines product developments that have made disability income insurance more accessible. The module also looks at the growing demand of DI insurance coverage for non-traditional workers.
Format: Online learning & quiz
Pre-requisites: None
CE Credits: 2 CE
Note: Please check with your jurisdiction, designating body or professional association regarding their CE requirements
Additional Material Required:
Completion Requirements:
Members: $390.00 plus shipping & taxes
Non-members: $663.00 plus shipping & taxes
Administrative Policies:
An overview of various workplace solutions for wage loss replacement. Topics covered include the use of individual DI and the concept of grouping, as well as wage loss replacement plans, dealing with existing group LTD, additions and alternatives to group LTD, and guaranteed issue plans.
Format: Online learning & quiz
Pre-requisites: None
CE Credits: 2 CE
Note: Please check with your jurisdiction, designating body or professional association regarding their CE requirements
Additional Material Required:
Completion Requirements:
Members: $390.00 plus shipping & taxes
Non-members: $663.00 plus shipping & taxes
Administrative Policies:
An examination of disability buy-sell insurance, key person insurance, overhead expense insurance and business loan protection policies, including their features, benefits, and taxation.
Format: Online learning & quiz
Pre-requisites: None
CE Credits: 3 CE
Note: Please check with your jurisdiction, designating body or professional association regarding their CE requirements
Additional Material Required:
Completion Requirements:
Members: $390.00 plus shipping & taxes
Non-members: $663.00 plus shipping & taxes
Administrative Policies:
Through a review of DI policy underwriting, this module looks at the advisor’s role in field underwriting and the head office underwriter’s role in risk assessment. Risk assessment is analyzed from an occupational, medical, financial, and lifestyle risk perspective. Additional considerations include the DI claims process, the role of the benefits adjudicator, the role of the advisor, and managing expectations.
Format: Online learning & quiz
Pre-requisites: None
CE Credits: 6 CE
Note: Please check with your jurisdiction, designating body or professional association regarding their CE requirements
Additional Material Required:
Completion Requirements:
Members: $390.00 plus shipping & taxes
Non-members: $663.00 plus shipping & taxes
Administrative Policies:
An examination of the public health insurance system, the health care delivery system, veterans’ benefits and workers’ compensation insurance. The module also covers the two major categories of travel insurance: individual emergency medical insurance for outbound Canadians and emergency medical insurance for visitors to Canada.
Format: Online learning & quiz
Pre-requisites: None
CE Credits: 6 CE
Note: Please check with your jurisdiction, designating body or professional association regarding their CE requirements
Additional Material Required:
Completion Requirements:
Members: $390.00 plus shipping & taxes
Non-members: $663.00 plus shipping & taxes
Administrative Policies:
A close inspection of situations where traditional disability income insurance is not a viable solution, and examines the special risk market relative to the need, risk management tools and techniques used in this market, as well as the advisor’s perspective. The module also covers mortgage creditor insurance and private mortgage insurance.
Format: Online learning & quiz
Pre-requisites: None
CE Credits: 3 CE
Note: Please check with your jurisdiction, designating body or professional association regarding their CE requirements
Additional Material Required:
Completion Requirements:
Members: $390.00 plus shipping & taxes
Non-members: $663.00 plus shipping & taxes
Administrative Policies:
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