Suitability Across Canada’s Insurance Spectrum

Instructor UIE Phone (253) 846-1155 Email mail@uiece.com

Course Overview   This course provides a comprehensive examination of suitability across Canada’s insurance landscape, emphasizing how regulatory expectations, demographic pressures, and product design converge to shape professional advisory practice. Insurance professionals explore suitability principles in health coverage, long-term care planning, life insurance, annuities, retirement income strategies, and anti-money laundering compliance. The course explains how public and private systems interact, how provincial variations affect client needs, and why accurate fact finding, documentation, and ethical conduct anchor suitability recommendations. Case studies allow professionals to translate theory into practical, defensible decisions that support fair treatment, informed consent, and long-term client outcomes. This course is designed to strengthen professional judgment, improve regulatory alignment, and reinforce suitability as a core ethical standard across Canada’s insurance spectrum. Course Objectives Upon completion of this course, insurance professionals will be able to: • Explain how suitability functions as a national professional standard within Canada’s health, life, and annuity markets. • Describe the interaction between public health care systems and private insurance solutions and identify how gaps in public programs create suitability obligations. • Assess provincial long-term care structures and explain how regional variation affects client planning, funding strategies, and risk evaluation. • Identify the major cost pressures facing Canadian households and connect these pressures to appropriate insurance based recommendations. • Evaluate the suitability features of life insurance products, including term, whole life, universal life, variable life, and investment-linked policies.

Course Schedule

Chapter	Subject	Description
Chapter 1	Health & LTC	Health insurance and Long-Term Care
Chapter 2	Life Insurance	Life insurance, Suitability, Estate planning
Chapter 3	Annuities	Annuities and retirement suitability
Chapter 4	Anti-Money Laundering	FINTRAC Identification of anti-money laundering.
Chapter 5	Suitability Framework	Applying suitability FTC principles across health, LTC, life and annuity planning.

Additional Information

None.