Stay on top of changes and trends in the financial services industry with the IFB Fall Virtual Summit! Learn from some of the best minds in the industry all from the comfort of your home office. Join us for two days of informative presentations, and earn up to 10 hours of top-quality CE.
The total number of credits available for each licensing type may vary.
Recent statistics from the Business Development Bank of Canada reveal the continuing growth of small business enterprises in Canada (less than 499 employees), which now accounts for more than 98% of all non-public sector jobs in the country. The presentation looks first at the statistical data upon which this information is built, and then moves over to help financial advisors determine how they can be of service to what has been declared a market "significantly underserviced by insurers." Building on the statistical data are four case studies of actual business situations, and how the need for financial services products impact the principals, the employees, and the community. It helps advisors determine how to best serve these largely ignored consumers by helping point the way to understanding how various business models are impacted by premature death, disability, or critical illness, with a focus on estate and business planning.
Rick entered the financial services business an advisor in Alberta in 1971 after working in radio, television and newspapers. He was an MDRT qualifier, and subsequently occupied such roles as sales manager, branch manager, National Director of Training, and Vice-President, Retail Insurance Distribution for Canada with Empire Life. He is current role is as a Distribution Consultant for Empire. Rick is a regular contributor as a speaker to industry and non-industry events throughout Canada and the U.S. He lives in White Rock, B.C and still maintains a media presence with daily commentaries on radio and television stations in British Columbia. He has been married to Betty, a retired grief counselor and personal trainer, since 1967. They have two daughters and four grandchildren.
It's been said that 'Genius is the ability to reduce the complicated to the simple.'
In this presentation, we will not only share a better understanding, but help to clear up misunderstandings about what we think we know about Living Benefits, their place, their purpose and how we can simplify the plan.
Ariana Kane is currently a National Sales Director for Humania Assurance and has been licensed in both Securities and the Insurance Industry since 2004. She is passionate in the importance of teaching people the rules of the money game and really helping advisors level up their skills, sales, confidence, connection and capacity.
She's a certified sales trainer specializing in Business Development, High Performance Coaching, the Psychology of Sales and the 'what would this look like if it were easy' strategy.
Its known fact that wait times in Canada for elective and Major surgeries is unacceptable and is vastly growing especially if your condition is not considered an immediate necessity. During the pandemic alone, the Canadian healthcare system has suspended approximately 300,000 surgeries. The impact of the decision to suspend and postpone health care services are going to have a lasting impact on your families and your clients.
Together lets talk about the continuing changes to healthcare in Canada and the different things that can be done to navigate these changes and choose a plan that suits the needs of your clients.
Deep is an innovative, forward-thinking executive with nearly a decade of experience in the insurance, health and executive benefit management industries. His consultative leadership style has inspired local and national teams of sales and marketing executives to achieve outstanding results. Deep continues to build his expertise in strategic planning and execution, team leadership, sales operations, business development, marketing, profit and loss reporting (P&L) and financial strategies. Due to his extensive exposure in the insurance industry on a national scale, Deep’s understanding of the insurance landscape extends to various markets across the country, including addressing their unique challenges. Deep is a respected leader and trusted advisor by his team members, clients, partners and contacts in the Canadian insurance industry.
Planning Your Retirement with Critical Illness Insurance, takes a look at how both advisors and clients consider market risk, liquidity, inflation, and mortality when planning for retirement; but often neglect to take morbidity into account and the potential impact that a critical illness could have on their long-term strategy.
Join Andrew Oswald of Beneva, as he discusses some of the psychological reasons behind why clients focus more heavily on potential gains in their investment accounts, despite the fact that they will be more heavily impacted by an investment loss, and how this relates to the avoidance of an in-depth discussion surrounding critical illness insurance.
Find out why our retiree and pre-retiree clients need to consider their own health as a serious risk to their long term retirement plan, what steps they can take to mitigate the financial impact of a critical illness, and how you, as their trusted advisor, can successfully broach the subject.
Andrew Oswald has been in the financial services industry since 2008, as both an advisor with a large financial planning firm, and as an insurance wholesaler. Andrew works with advisors to assist in integrating life and living benefits insurance into their practices and to help grow their revenue. Andrew holds a BA from the University of Alberta, and has held the CFP designation since 2018.
Gain insights on the availability of capital in a cash flow specific industry; including the types of structures, terms and conditions and the pros and cons associated with each. In this session, advisors will develop an understanding of the credit process in order to be better prepared for conversation with lenders, better prepared for the application process, and armed with the knowledge of what implications various purchase and sale structures can have. Through case studies, Tom and Pierre will demonstrate various options to structure a transaction, as well as share common mistakes or learnings they see during the entire transaction process (initial conversation to closing date).
Ultimately, advisors will understand what their business is worth, what another advisor’s business is worth, and how to strategically think about available financing options in order to execute on their growth strategies.
Tom de Larzac is a financing professional who has spent his career working with and leading specialty lending groups in Canada and abroad. Working closely with Wealth Managment and Financial Planning professionals, he brings with him a strong understanding of credit and risk solutions as well as a focus on cash flow based financing.
Pierre Sauvé has over 25 years of experience in structured lending. As a member of CWB Maxium's Financial Advisory Lending Group, Pierre works closely with professionals in the financial planning and wealth management industries to provide tailored cash flow lending solutions for acquisitions, refinancings, expansions, and succession.
This presentation provides strategies advisors can use to help their clients diversify their retirement savings plan with life insurance. Current trends and challenges in planning for retirement are reviewed. Life insurance is positioned as a complement to other saving vehicles such as Registered Pension plans, Registered Retirement Savings Plans, Private Pension Plans, and Tax-Free Savings Accounts. The tax advantages of this diversified approach are detailed.
The presentation will also show how critical illness insurance can help protect retirement savings from the financial impacts of a serious illness. A case study will be used to highlight key sales strategies. The presentation will also include an overview of Foresters Financial and Member Benefits.
Originally from Melbourne, Australia, Emma relocated to Canada in 2010 with an accomplished background in public relations and client services.
It was here that she discovered her passion for sales upon joining the insurance industry in 2012.
With a strong focus in simplified issue products, Emma joined Canada Protection Plan/Foresters in February 2019 with over 7 years experience wholesaling within the MGA sales channel in Western Canada.
As Regional Vice President in British Columbia, she is proud to offer both traditional and simplified issue insurance solutions to clients in all walks of life and is committed to training advisors with their business growth plans in mind.
As advisors, you are in a unique position to help guide your senior clients and/or their adult children navigate their care and support options in their later years. What are some of the things your clients need to consider when planning for the future and how do you help answer their questions? The purpose of this session is to explore the necessities of proactive planning by reviewing the various lifestyle options available in retirement living settings. You will learn about the continuum of care and how your clients can best prepare financially to accommodate their changing and evolving needs over time.
Join us for a conversation about your role as an advisor as it pertains to educating your clients about their options for senior care and learn about the available resources to help you, help your clients and become a trusted partner.
Amanda Richards is the Senior Director of Business Development and Community Integration at Chartwell Retirement Residences, Canada's largest senior living provider. She has a rich history in the Canadian senior living landscape with over 17 years of experience and is currently responsible for Chartwel's B2B strategy inclusive of National partnerships. As a seasoned senior living sales expert, she is committed to helping business professionals provide guidance and advice to their senior clients. She holds an undergraduate degree from McMaster University, a post-graduate diploma in leadership from Athabasca University and her CPCA (Certified Professional Consultant on Aging) and Elder Planning Counselor designations. Amanda is well-versed in the intricacies of helping seniors and their families navigate the complexities of today’s senior-living options and understands the challenges associated with selling to and working with this market segment.
Learn about GICs and how fixed income investments can provide a secure way to grow your client's savings. Given the aging Canadian population the importance of secure investments that can provide stable income has increased over the years. At the end of the presentation, you will understand the types of GICs offered and their specific features as well as how to complete the documentation. This will allow you to better assist your clients as well as increase your value as a trusted advisor.
Christina Maurice Fazio is the Senior National Business Development Manager of Deposits at Home Trust. Over the past 18 years, Christina has held several senior positions within the investment and wealth industry and has served on several non-profit boards. At BMO, she was the regular recipient of Best of the Best and Bravo Awards which highlighted her outstanding contributions. She is currently the Director of the Vanguard Foundation, previously she was President of the Ile Perrot Minor Hockey Association and co-chair of the Edgewater LBPSB Governing Board. In 2014, she co-founder of the Prenatal and Young Family Center in Vaudreuil-Soulanges which has since helped thousands of families with young children balance work and life obligations. Christina is an HEC Montréal and McGill University graduate with an Executive Master’s in Business and Administration. She is fluent in English, French and Italian and has basic proficiency of Spanish and German.
Strengthen your business with the power of CRM and take "relationships management" to the next level.
Bonus = Maximizing value when selling your book
CDIC will provide an overview of the organization and an update on the deposit insurance coverage, including the types of deposits that are covered, and the coverage limits.
CDIC will also discuss topics of interest to independent financial professionals, such as ongoing digital innovation of the financial sector, including crypto-assets. families.
In his role as the Head of Depositor Solutions - Insurance & Compliance, Emiel is responsible for CDIC’s differential premiums function, member administration, trust deposit matters, and CDIC’s payout preparedness function. He has worked in federal financial sector regulatory organizations for close to 20 years.
Many Canadians believe that their provincial health care program will cover the expenses of a medical emergency while they are travelling, whether in or outside of Canada. Unfortunately, this isn’t the case and, without travel insurance, lifelong savings can disappear within hours! Imagine: a visit to an American emergency room could cost up to $20 000 per day!
While travel insurance is sometimes considered to be an accessory protection, it can have a huge impact on a person’s financial health. For this reason, among others, it should be an integral part of a broker’s portfolio.
When asked why they didn’t consider selling travel insurance earlier, many brokers answered that they didn’t know anything about it and that it seemed complicated. Others thought that it was not worth it… Find out why these same brokers have changed their minds and why every broker should promote travel insurance to their clients. If you don’t offer it to your clients, somebody else will! You don’t want to leave money on the table!
Since 1996, the Tour+Med product line is recognized by travellers for its reliable coverage and outstanding service. Our mission is to become a travel and health insurance leader for travelling Canadians, and to provide them with superior quality products at reasonable prices.
After being in the tourism and lodging industry for a while, where she worked in customer service, sales, product development, and marketing, Marie-Michèle joined LS-Travel in 2013. Now Director of Marketing, she assists with the setup and implementation of marketing campaigns for the Tour+Med product. She also supports customer service and is in charge of distribution for both individual and group sales. She helps with training for LS-Travel’s various distributors, and is involved in the development of the Tour+Med travel insurance product.
IFB is a self-accrediting provider in the provinces of Alberta, Saskatchewan and Manitoba. For accreditation for RIBO licensed brokers in Ontario, IFB submits all material to RIBO Accreditation, and does not post RIBO credit categories or hours until formal confirmation is received. For accreditation for CFP designates and MFDA registrants, IFB submits all material to FP Canada accreditation, and does not post FP Canada or MFDA credit categories or hours until formal confirmation is received.