SERVICES

EXPERTISE, EFFICIENCY, ACCESSIBILITY

LIFE INSURANCE, DISABILITY
CRITICAL ILLNESS

  • Policy Interpretation
  • False declaration, omission
  • Pre-existing condition
  • Beneficiary designations and revocations
  • Minor child, tutor
  • Protection regimes, power of attorney, mandate of protection
  • Vulnerable clients, undue influence, abuse
  • Presumed sound investments
  • Succession, testamentary dispositions
  • Divorce, separation
  • Creditors, bankruptcy, unseizability
  • Protection of personal information
  • Movable hypothec
  • Remote Transaction

GROUP INSURANCE

  • Role and duties of advisor, insurer and employer
  • Booklet and policy’s inconsistencies
  • Criteria for determining a group
  • Effective date and the coming into force of a policy and its protections
  • Eligibility of a participant, late adhesion
  • Conversion of a life insurance protection
  • Replacement of a group contract, responsibility of the new and former insurer
  • Drug coverage, basic plan, exception drugs, dependents
  • Validity of provisions forming part of a form
  • Ex-gratia payments
  • Discounts, profit-sharing

ANNUITIES, PENSION AND
INVESTMENT PRODUCTS

  • Life annuities, term annuities, RRSP, TFSA
  • Locked-in annuities, transfer from an RPP
  • Segregated funds, mutual funds


CONTRACTS AND AGREEMENTS

CONTINUING EDUCATION – PDU COMPLIANCE

  • How to do business with vulnerable clients (CSF compliance & IQPF-NP)
  • Contracts surrounding the sale of insurance
  • The Impact of the Digital Shift (CSF compliance & IQPF-NP)
  • Trustees, liquidators, tutors…how do you deal with them?
  • Compliance and insurance quiz
  • Protect your most valuable asset: your reputation
  • Marriage, divorce or death: consequences on locked-in annuity contracts (LIRA, LIF, Life Annuity) (CSF-general)

COMPLIANCE

  • Compliance guide and procedures
  • Inspection program
  • Distribution practices
  • Business cards and promotional material
  • Customer complaints
  • Regulatory investigations (AMF, CSF, FINTRAC, etc.)
  • Action plan and supervision measures
  • Business continuity plan
  • Anti-money laundering program
  • Anti-spam law
  • Protection of personal information

LEGAL ADVICE

Our online service is accessible at all times.
We answer your questions within 24 hours.*

BE ASSURED
to provide sound advice to your clients.

SUBSCRIPTION

* Next business day. Possibility of an answer within 4 hours.

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