Certification Exam: 1 per module (Taxation: not examined as a separate module but examinable throughout other modules)

Question format: multiple choice

Questions per exam: 30 questions for all exams (excluding Ethics & Professional Practice); 20 questions for Ethics & Professional Practice

Exam Length: 75 minutes per exam

Passing Grade: 60%

Refund Policy: This course is non-refundable and not transferable.

A $25 administration fee is applicable for changes to course enrollment after 10 calendar days of purchase.

Certification Policy: We certify students within one business day, Monday - Friday (9am-5pm EST).

Learner Inclusiveness Policy: Oliver Publishing Inc. strives to provide equal education opportunities for all clients and potential clients (“learners”) regarding enrolment, instruction, assessment, support and reporting. The company does not discriminate in its decisions or processes regarding learners based on any of the following criteria: age, religion, sex (including pregnancy and breastfeeding), sexual orientation, gender identity, gender expression, family status, marital status, disability (including mental, physical, developmental or learning disabilities), race or colour, ancestry, place of origin, ethnic origin, citizenship, record of offences, association or relationship with a person identified by one of the above grounds, or the perception that one of the above grounds applies.

Privacy Policy

This policy outlines how Oliver Publishing Inc. and its related entities treat personal information, collected in the ordinary course of business. By personal information, we mean any information about you that may be personally identifiable, including your name, address, email address, phone number, employment affiliation, and credit card information. We endorse and adopt in their entirety the ten principles of the Canadian Standards Association’s Model Code for the Protection of Personal Information.

Collection and Use of Personal Information

We collect personal information when you order from our website, contact us by phone or fax, or come to our offices in person. We also collect information about your credit card when you purchase our products or services. We use the information for the following general purposes: to fulfill your requests for products and services, improve our services, customize the content and advertising of our products and services, contact you, conduct research, compile statistics, and provide anonymous reporting for internal use and external clients. We reserve the right to send you certain communications relating to additions or changes to the products and services that we offer and we may contact you in order to assist in the collection of statistical data or to improve the quality of our products and services, and their delivery to you.

Information Sharing and Disclosure

We do not sell, rent, or share personal information with others, except to trusted partners who work on our behalf to provide and deliver those products and services that you have requested.

Access to and Amending Personal Information

You can access and amend your personal information by contacting us any time during normal business hours, in person, by phone or fax, or through the Internet at the addresses, site, and numbers shown below.

Conflict of Interest Policy

Learners have the right to learn in an environment dedicated solely to education and free from the promotion of any instructor’s proprietary interest in products, services, instruments, devices or materials. Should you feel that this policy has not been followed, please advise our Operations Manager via email at [email protected].

Security and Confidentiality

Access to your personal information is limited to those employees or partners who need to contact you to deliver those goods and services that you request or in order to carry out their employment duties. We also have internal procedural and electronic safeguards in place to protect your personal information.

Questions and Suggestions

• Questions and suggestions regarding the privacy of your personal information may be directed to us at: Oliver Publishing Inc. Customer Services - Privacy Issues, 151 Bloor Street West, Suite 800, Toronto, Ontario, Canada M5S 1S4 (telephone: (416) 922-9604; fax: (416) 922-5126; toll-free: 1-800-238-0377; web: www.oliverslearning.com).
• You may also contact the federal organization responsible for enforcing the protection of personal information in the private sector: The Privacy Commissioner of Canada, 112 Kent Street, Ottawa, Ontario, Canada K1A 1H3. Call toll free at 1-800-282-1376 or email [email protected].

Accident and Sickness

Competency: Recommend individual and group accident and sickness insurance products adapted to the client’s needs and situation

1. Assess the client’s needs and situation
- Determine the client’s situation
- Assess the appropriateness of the client’s existing coverage in regard to his or her situation
- Articulate the client’s needs based on the risks that could affect his or her financial situation
2. Analyze the available products that meet the client’s needs
- Analyze the types of contracts that meet the client’s needs
- Analyze the riders that meet the client’s needs
3. Implement a recommendation adapted to the client’s needs and situation
- Consider the impact of underwriting criteria as they apply to the client’s situation
- Propose a recommendation adapted to the client’s needs and situation
- Confirm the requirements that must be met to implement the recommendation
4. Provide customer service during the validity period of the coverage
- Validate the appropriateness of contract amendment, renewal and termination applications in regards to the client’s situation
- Inform the claimant of the claims process

Ethics and Professional Practice (Common Law)

Competency: Develop an ethical professional practice, in compliance with the rules governing the life insurance sector

1. Integrate into practice the legal aspects of insurance and annuity contracts
- Delimit the legal framework governing life insurance
- Characterize the parties involved in the contract
- Contextualize the rules relating to the contract’s formation, taking effect, reinstatement and termination
- Explain the main provisions and clauses of an insurance or annuity contract
- Integrate into practice the rules relating to beneficiary designation and exemption from seizure of benefits
- Contextualize the rules relating to claims and the payment of benefits
2. Integrate into practice the rules governing the activities of life insurance agents
- Explain the role of the organizations that protect clients
- Integrate into practice the obligations and responsibilities of life insurance agents

System Requirements

• PC Windows 8.1 or higher (no virtual machines permitted)
• Mac OS:
  • Big Sur (11.7.10), Safari 16.6.1
  • Monterey (12.7.3), Safari 17.3.0
  • Ventura (13.6.4), Safari 17.3.0
  • Sonoma (14.3.1), Safari 17.3.0

Processors

• Intel/AMD/ARM

Additional Requirements

• Google Chrome Browser with pop-ups and JavaScript enabled
• Safe Exam Browser (available for download through the test portal). Students must also connect a secondary camera on a smartphone (activated by a QR code).