SUMMIT- May 28 & 29, 2013| Toronto Congress Centre| 650 Dixon
Road| 8:30 a.m. - 5:45 p.m. (May 28), 8:30 a.m.
- 3:15 p.m.(May 29)
Click here to register
for the Summit : IFB Members - $145 / All others $199
Day (Early) Special until Monday May 21!
those who want to attend the Summit but don't need the CE credits,
we're now offering a "No CE" option! Attend as much or
as little as you'd like for only $50 -- perfect for your assistants,
those considering a career in the financial services industry, or
if you already have your full complement of CE hours and just want
to come for the networking opportunities! Click
here to register today!
Holiday Inn Toronto Airport East
600 Dixon Road, Toronto ON M9W 1J1 | Phone 416-240-7511/1-800-491-4656
(ask for in-house reservations) |Rate: $115 single/double incl.
parking | Quote: IFB | Cut off date: April 26, 2013
Radisson Suite Hotel
640 Dixon Road, Toronto ON M9W 1J1 | Phone 416-242-7400/1-800-333-3333
|Rate: $119 Deluxe/$129 Deluxe Exec./$145 Business Class incl. parking
| Quote: IFB13 | Cut off date: April 20, 2013
The Toronto Spring Summit features:
- Shorter educational sessions -- all sessions
at the Summit will be 60 minutes long!
- An 8:30 a.m. start time on both day of
the Summit -- so you'll have extra time to get to the event,
get a cup of coffee or tea, and find your seat before the first
- An earlier end-time on the second (and
last) day of the Summit -- we'll have you on the road and heading
home before 3:30 p.m., so you can get a jump on rush hour traffic!
- Plus: the same variety and choice you've
come to expect-- up to five breakout sessions in each timeslot
so you can tailor your Summit to suit your individual interests.
- Up to 12 hours of CE credit for
Life License in Ontario, Manitoba, Saskatchewan, Alberta and
BC, as well as for professional designations where applicable.
PLUS 7 hous of CE for Registered Insurance Brokers of Ontario
- New! FPSC-approved CE for CFP professionals
will be offered at the IFB Summits - 12 hours of FPSC-approved
CE! Check back often for updates!
Stay for dinner! Plan to attend the Pub Night
Networking dinner at Jack Astors on Tues. May 28 -- transportation
is provided, and tickets are only $29.50 incl. tax! If
you are interested in attending the Pub Night dinner, email
us and we'll add you to a waiting list for cancellations.
out the prix fixe Pub Night dinner menu here.
Companies | Agenda: May
28 | Agenda: May 29
Herr, Chairman of the Board of the Canadian Life and
Health Insurance Association - Tuesday
May 28, 2013 at 8:30 a.m.
Canadian Life and Health Insurance Industry: Issues and Trends
is pleased to welcome Les Herr, Chair of the Canadian Life
and Health Insurance Association, as our kick off speaker
at the Toronto Summit. He will address the industry's changing
role in Canadian society and some of the major issues facing
the life insurance industry today, including the impact of
international market conduct standards on the Canadian marketplace.
As an example, in 2013, Canada is facing an audit of its market
conduct, compliance and supervision practices by the International
Monetary Fund. Closer to home, the CLHIA has been working
with insurance companies and the Canadian Association of Independent
Life Brokerage Agencies (CAILBA) to develop a standardized
compliance standard for MGA contracts that will streamline
these activities for agencies and brokers.
Mathers, expert on fraud,
terror, and money laundering
29, 2013 at 2:15 p.m.
I Don't Want to be a Compliance Officer" - How to survive
a FINTRAC audit (RIBO Management)
The regulatory environment has become more hazardous. FINTRAC
no longer focuses on providing education and support and now
takes a no nonsense attitude toward compliance monitoring and
Mathers will demonstrate just what bad things led to the implementation
of anti-money laundering and anti-terrorist laws in the first
does fraud, bribery, drug trafficking, money laundering and
terrorism impact on the day-to-day activities of independent
you are your own compliance officer, how do you minimize the
risk and still not spend half of your day on activities that
don't make you any money? Using case studies and real-world
examples, Chris will take you on a tour of the criminal and
terrorist underworld, explaining just what the threats are
and how you can recognize and avoid them.
The Tiger: How To Succeed In The BIG Idea Economy
(RIBO Personal Skills)
Bishop Communications Inc.
Would you like to double your income and work 50% less? Would you
like to work with more high-quality clients and feel more fulfilled
in your work? If so, you need to free your tiger and take advantage
of today's BIG Idea economy.Most financial advisors today are like
a tiger trapped in a cage,"" says Bill Bishop. ""They
have so much potential, but they not achieving it because they are
using an obsolete product-first business model. Faced with increasing
competition and the commoditization of their products and services,
product-first advisors are experiencing falling incomes and diminished
opportunities. However, advisors who use a BIG Idea business modelbuilt
around ideas rather than productsare enjoying much greater
economic opportunities. In this presentation, Bill Bishop explains
the limitations of the old product-first business model, and why
the new BIG Idea business model is much better adapted to today's
21st Century marketplace. He gives many examples of how financial
advisors packaged compelling big ideas, and as a result, increased
their income. Attend this presentation, and learn how to achieve
your full potential by freeing inner tiger.
5 Cs of Credit
For advisors to understand the criteria lenders use to evaluate
creditworthiness, and ultimately enable them to recommend credit
products with confidence.Sales representative will go through the
presentation and conduct a question and answer period at the end
open to the group.At the end of the course, advisors will have recognized
the value of understanding the credit evaluation cycle and will,
in turn, be better enabled to provide the right products and investment
advice to their clients. These learnings provide value-added information
integral to the IPFP development process.
for Income and Stability
Centurion Apartment REIT
With the stock market volatility over past few years, and interest
rates at historical lows investors are looking for investments that
would provide them with capital preservation, regular income distributions,
and tax-advantages income. This presentation will focus on investing
in one of the safest sectors of the real estate, rental properties,
explains how investors can diversify their portfolios into real
estate without stock market overlay, and explains tax efficiency
of REIT investing.
5 Proven Sales Ideas to Increase Business!
(RIBO Personal Skills)
The Personal Coach
As an advisor, growing your business is always top of mind as it
is the key to your business longevity. But easier said than done.
Business growth requires planning out a strategy and effective implementation.
In this presentation, Jordan Rosenberg - Coach at The Personal Coach,
will discuss the common road blocks we see in the way of new client
acquisition and existing client growth. He will take you through
5 effective sales ideas and provide some implementation tips.
Insurance for Privacy Breaches: What it is, and Why You Need
it. (RIBO Technical)
The Magnes Group
It was recently said that there are only two types of businesses:
those that have been hacked, and those that will be. That statement
applies to all businesses (including yours) not just corporations
and as advisors, none of us are immune. And privacy breaches
arent just caused by cybercriminals. Just as often, they are
the result of human error, software glitches, or the loss or theft
of files. Join Roberta for this eye-opening presentation in which
shell walk you through the exposures all advisors face, privacy
law in Canada, and the available coverage for this risk.
Investing in the Path of Development
Walton Capital Management Inc.
With more than 30 years of experience, the Walton Group of Companies
(Walton) has grown to be one of North Americas leading real
estate investment groups, creating land-based investments for individual
and institutional investors worldwide. Matthew Morton will speak
to Waltons expertise in the research, acquisition, management
and development of strategically located land in the anticipated
development path of major North American growth corridors. Waltons
simple, yet disciplined approach remains true to the core principles
that have brought us to where we are today, and for more than 30
years, has served our company, our clients and our partners well.
You Ready for Point of Sale (POS) Disclosure Reform?
IFS Technology Inc.
1. What is point of sale disclosure reform?(Background; Staged implementation)
2. What has already happened? 3. What is the next step? 4. How does
this impact advisors? 5. Demo of the Fund Facts POS application
6. Questions and answers
Special Risk Solutions: Insuring the Hard to Insure
Hunter McCorquodale, a div. of Simmlands of Insurance Services.
Every year roughly 1 in 20 life insurance applications and more
than 1 in 10 disability insurance applications in Canada are declined.
Advisors may want to explore every possible option when this happens
to one of their clients. Although not always well known, there are
markets that can provide alternative solutions in the majority of
these situations. The presentation begins by talking briefly about
regular market risk management guidelines and reinsurance. The presentation
is comprised of three key areas: Disability Insurance; Life Insurance;
Other Special Risk products. We look at underwriting concepts, and
guaranteed issue, simplified issue, and specialty designed products
are discussed. Also discussed are underwriting issues such as medical,
high limit, travel/residency, age, occupations and avocations. What
are limits and guidelines (both medical and financial)? How are
clients affected, and what options do they have? Attendees will
be introduced to the world of Lloyds of London, the world's largest
insurance marketplace, and the presenter can share insights into
both real (i.e. insuring Hockey players) and promotional (i.e. insuring
JLo's bottom) insurance solutions at Lloyds. For most advisors,
the need for special risk markets is not something that they will
require on a day to day or weekly basis, however, it is almost certain
that all advisors will have an application declined. Attendees will
leave with a a better understanding of what to do the next time
they cannot source coverage through their regular suppliers.
Non-Medical Life Insurance: An Introduction
Canada Protection Plan
On average, 15% of all life insurance applications are either declined
or rated. As a broker, what are your options? A wide range of non-medical
life insurance products - whole life and term plans - are now available
to hard-to-insure clients. This training session was designed to
help insurance brokers and advisors better understand non-medical
life insurance, including underwriting and claims processes. Our
ultimate goal is to help you incorporate non-medical life insurance
into your existing block of business.
of an E&O Claim (RIBO Technical)
George Georgiadis and Warren P. Cooney
AXIS Reinsurance Co.
Everybody tells you to practice defensively in order to avoid E&O
claims, but nonetheless, claims do arise. Sometimes the circumstances
of these claims can be instructive. Well use some real-life
claims examples to point out some of the pitfalls that advisors
face, and how you can learn from them to avoid ending up in the
Styles of the Rich & Famous
Tacita Capital Inc.
Michael Nairne shares what he's learned in his career to date -
including three years in New York and Los Angeles advising celebrities
and athletes - what the Rich & Famous Want from their Advisors.Using
an actual case study, the audience quickly learns that the famous
wealthy are much the same as the wealthy in general when it comes
to their financial needs and concerns.
Living Benefits Can Help to Protect your Clients' Finances
Ontario Blue Cross
Advisors do their best when it comes to protecting their clients
in the event of death with life insurance. However, many people
are not adequately protected for the financial hardship that
may result from an injury or sickness. This seminar will give you
an overview of the health, drug, disability and long-term care options
available to your clients. We will also give you an
in-depth look at the financial risks and exposure a family may have
without proper protection.
Solutions for Small Groups Utilizing Individual Portable
Ontario Blue Cross
This seminar will explain the benefit options available to those
who lose their group benefits for reasons such as retirement, downsizing
and career change. We will explore the cost of
replacement benefit alternatives, managing the client's expectations
when it comes to the cost, obstacles faced by those that have medical
issues, as well as solutions for those
individuals. We will also look at the advantages of using individual,
portable benefits specifically for small business owners, as an
attractive alternative to traditional group benefits. Finally, we
will look at some real-life examples of how Ontario Blue Cross used
our Small/Medium Enterprise plan(SME) to help small business owners
get the benefits that they needed for both them and their employees.
Why Whole Life?
Katherine E. Hill & Tara Proper
Whole life sales continue to grow, now outselling UL in the Canadian
Marketplace. Attend this session to learn why whole life sales are
so strong and how the "participating Account" is managed
and why it is a unique asset class that many clients should consider.
Good, The Bad, and the Ugly: Ready to Retire? Not so Fast!
Recent data and Canadian research has shed interesting light on
the plight of Pre-retirees and those on the cusp of taking the retirement
step. This presentation outlines the common pitfalls that haunt
those in their planning phase and it focuses on the key money-drainers
that prevent a comfortable and secure retirement. The enemy? Those
closest to you! It looks at the attitudes of this cohort towards
their financial advisors, at where those advisors come from, and
just how much help those advisors have been. A hint on that - not
much help! What can the advisor do to turn that around? Four simple
steps. But the simple things are often among the most difficult.
Your Astute Clients Invest Like the Banks
Peter Lantos, The White Knight Group
Are you satisfied with the performance of your clients' investments
over the last three years, five years and ten years? Millions of
Canadian investors have watched helplessly as their investments
and retirement portfolios have vaporized and produced significant
losses or mediocre returns over the last several years.Canadians
would eagerly like to get off the investment roller coaster. They
are desperately looking for:1) Secure investments that produce more
than the low yields of the bond market and meager returns from money
market funds and GIC's, and 2) Greater stability than the volatile
stock market has provided them.
The Dynamics of Demographics: The "Rifle Approach" to
Prospecting (RIBO Personal Skills)
For new brokers, or those looking to upgrade their market, the independent
brokerage business can be both attractive as well as challenging.
How does a broker establish a market, and more importantly, what
are the habits of a successful broker? John Dargie President &
Chairman for IFB, personal producer, and Life Member of MDRT, has
over 35 years of industry experience, 25 of which have been as an
independent broker. If you are looking for a step-by-step solution
to the prospecting puzzle, join John for this updated session. For
the dedicated broker, this process has a proven track record.
Yours: Making Good Use of Beneficiary Designations on Insurance
Products and Tax Deferred Saving Plans
Borden Ladner Gervais LLP
Arthur Fish is a partner in the Toronto office of Borden Ladner
Gervais LLP, and the Manager of the Toronto Regional Wealth Management
Practice. Always a popular Summit speaker, Mr. Fish takes complex
legal matters and discusses them in an engaging and approachable
way. This Spring, he'll address beneficiary designations on insurance
products and tax deferred savings vehicles like RRSPs and RRIFs.
This is always a lively and interactive session, so come prepared
with your questions!
Insurance: Working with Business Owners
Jorge Ramos, Director of Advanced Marketing, will speak about working
with business owners. Topics covered include: business structures
and taxation, professional corporations, the mechanics of corporate
policies, accounting for corporate owned policies, corporate financial
statements, and the advantages and disadvantages of Corporate Owned
Canada Mortgage Investment Corporation
Your clients need to either borrow money or Invest money
understand the business! Mr. Collus presentation will provide
valuable information about the mortgage finance industry and how
it impacts your clients. Your Clients Need to Either Borrow Money
or Invest Money Understand the opportunity!
a Statutory Best Interest Duty: What could it mean for you,
your business and your clients?
Borden Ladner Gervais LLP
Securities regulators in Canada are engaged in several consultations
which may well change the way advisors, dealers and fund companies
deal with investors and impact on how you deal with your clients.
One such consultation is examining whether securities advisors should
be held to a higher standard of care when advising retail clients.
This standard would change from the existing 'suitability' standard
to a 'best interest' standard. A best interest standard approaches
a fiduciary duty - which is a higher legal standard. David is a
well-known lawyer whose practice focusses on securities issues affecting
brokers. In this presentation, David will explore why regulators
are looking at the pros and cons of this change and what it could
mean to you as a securities or mutual fund registrant. This is an
important discussion which, if you are an advisor or dealer, you
need to know about.
Investing in Real Estate 2013
FDS Broker Services Inc.
This presentation will look at investing in real estate as an option
for your clients. The current real estate market in the GTA will
be discussed, as well as condo sales in the past 5 years and the
forecast for the future. Zafar Khawaja will look at the Canadian
real estate economy, and provide an overview of syndicated mortgages,
along with risk assessment and some examples of current projects.
Build a Better Benefits Plan Deliver the Custom Solution
the Other Guy Cant
The Benefits Trust
Small and mid sized benefit plans are quickly becoming a commodity.
Producer competition is becoming fierce. Separate yourself from
the pack. Come to this session to learn how to help your client
build a customized benefit plan solution. You will also learn new
strategies to help strengthen your client relationship, increase
your per-case profit, and keep your competition scratching their
heads wondering how you do it.
Limit Disability Solutions
Sutton Special Risk
Some Canadians still struggle to see the need for disability insurance.
However, the statistics illustrate the importance of having adequate
levels of coverage in place to protect employees and their families
in the event of a serious illness or injury resulting in an inability
to work. Many dont realize the low limits imposed by their
group plans, and could face financial hardship if disabled for even
a relatively short period of time. Join us as we look at the application
of High Limit Disability Insurance, its underwriting requirements,
and tax treatment.
for Ransom Crisis Management (RIBO
follow up to their presentation series "Kidnap and Ransom 101
- An introduction to K&R Insurance" in 2011, Hunter McCorquodale
brings you this educational presentation featuring Mark Harris,
Director, Crisis Response Services, for Olive Group (www.olivegroup.com
). Mr. Harris, a 17+ year veteran in the Kidnap for Ransom Crisis
Management field and former member of the British Army, has deployed
on over 130 kidnappings and 19 vessel hijackings around the world,.
Prior to his work as a kidnap and hostage crisis negotiator, Mr.
Harris himself had been taken hostage by the Khmer Rouge and threatened
with execution while on loan to the United Nations. Both his extensive
personal and professional experience will serve to provide us with
real life anecdotes which will highlight the issues to be managed
by those facing kidnap for ransom and hostage situation around the
world, global hotspots and the latest trends in this risk area.
He will outline the concerns and agendas of the various participants
and how these are best managed to ensure the safe and timely release
of victims while maintaining an organization's reputation and legal
standing. For those who missed the introduction series and are new
to the Kidnap and Ransom insurance product, Hunter McCorquodale's
own Sophie Strezos-Egnatis, VP Business Development will provide
a brief overview of the features and benefits of the product to
give context to Mr. Harris' talk.
many more! Check back often for updates!
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Planning Standards Council