Long-Term Care Insurance Certificate Program

With a rapidly aging demographic in Canada, there is an urgent challenge to meet the health and personal-care needs of this growing segment of our population. The Long-Term Care Certificate program is designed to help financial advisors rise to this task by preparing their clients to consider and plan for their long-term care needs.

This certificate program provides an understanding of the design and structure of current long-term care insurance plans and explores the chronic conditions many seniors experience, the costs of continuing care, and the various government programs available so that you can adequately assess your client's risk of not being able to afford proper care.

Who should enrol?

  • Individuals looking to earn a certificate in long-term care insurance
  • Individuals looking to obtain a greater understanding of long-term care insurance

Program Structure

To successfully obtain the Long-Term Care Insurance Certificate, students must complete all seven modules in this program within one calendar year. Enrol in each module individually or by program.

Program Modules

Module 1: Examining Risk (4 CE, Including 1 Ethics)

This module examines the origin of Disability Income insurance, its evolution, and the special nature of the risks it covers. This module also reviews the concept of living benefits as a full spectrum of health products, representing the insurance industry’s response to societal shifts in employment over the past two decades.

1Learning Objectives
  • Identify and explain why population aging is occurring, how it impacts our healthcare system and the implications for clients
  • Explain seven critical issues being addressed in Canada's health care system
  • Identify and explain social issues associated with aging and understand how these issues impact older clients
  • Explain seven critical issues being addressed in Canada's health care system
2Overview

Format: Online learning & quiz

Pre-requisites: None

CE Credits: 3 CE, including 1 Ethics

Note: Please check with your jurisdiction, designating body or professional association regarding their CE requirements.

Additional Material: The Aging Client and Long-Term Care, Jacqueline E. Figas, 3rd Edition, $69.95 plus shipping & taxes

Completion Requirements:

  • Passing mark is 60% Completion of one online quiz (100% of overall mark)
3Features
  • 24/7 access to the Advocis Learning Centre
  • One-month window for completion
  • Two quiz attempts
  • Access to the Binder tool
  • Download content
  • Access to help for module-related questions
  • ReadSpeaker text-to-speech
4Delivery
  • Self-study: The Advocis online modules are designed as self-study, with success highly dependent on the student's personal discipline. Students are presented with learning content and a quiz to assess their overall understanding.
5Price

Members: $40.00 plus shipping & taxes

Non-members: $60.00 plus shipping & taxes

Administrative Policies:

  • All purchases are non-refundable
  • There are no cancellations or extensions
  • Expiry date is 30 days after registration
  • Students must re-purchase after 2 unsuccessful attempts
  • Allow for 1-2 business days to access the module following the registration and payment process
6Bundle

Members: $232.50 plus shipping & taxes

Non-members: $395.25 plus shipping & taxes

Administrative Policies:

  • All purchases are non-refundable
  • There are no cancellations or extensions
  • Expiry date is 1 year after registration
  • Students must re-purchase after 2 unsuccessful attempts
  • Allow for 1-2 business days to access the module following the registration and payment process

Module 2: Caring for Older Adults (5 CE, Including 2 Ethics)

This module considers the social factors affecting seniors include discrimination and ageism as well as ethics in marketing to seniors. Aging and health concerns are examined with the difference between normal aging and unhealthy aging. Major health conditions that affect older adults and how they should prepare in advance for a medical emergency are considered.

1Learning Objectives
  • Identify and explain social issues associated with aging and understand how these issues impact older clients
  • Explain the issues associated with being an informal caregiver and how individuals can prepare for taking on the role as a caregiver
  • Identify and explain end of life issues
2Overview

Format: Online learning & quiz

Pre-requisites: None

CE Credits: 5 CE, including 2 Ethics

Note: Please check with your jurisdiction, designating body or professional association regarding their CE requirements.

Additional Material: The Aging Client and Long-Term Care, Jacqueline E. Figas, 3rd Edition, $69.95 plus shipping & taxes

Completion Requirements:

  • Passing mark is 60%
  • Completion of one online quiz (100% of overall mark)
3Features
  • 24/7 access to the Advocis Learning Centre
  • One-month window for completion
  • Two quiz attempts
  • Access to the Binder tool
  • Download content
  • Access to help for module-related questions
  • ReadSpeaker text-to-speech
4Delivery
  • Self-study: The Advocis online modules are designed as self-study, with success highly dependent on the student's personal discipline. Students are presented with learning content and a quiz to assess their overall understanding.
5Price

Members: $60.00 plus shipping & taxes

Non-members: $90.00 plus shipping & taxes

Administrative Policies:

  • All purchases are non-refundable
  • There are no cancellations or extensions
  • Expiry date is 30 days after registration
  • Students must re-purchase after 2 unsuccessful attempts
  • Allow for 1-2 business days to access the module following the registration and payment process
6Bundle

Members: $232.50 plus shipping & taxes

Non-members: $395.25 plus shipping & taxes

Administrative Policies:

  • All purchases are non-refundable
  • There are no cancellations or extensions
  • Expiry date is 1 year after registration
  • Students must re-purchase after 2 unsuccessful attempts
  • Allow for 1-2 business days to access the module following the registration and payment process

Module 3: Needs Analysis for Seniors (4 CE, Including 3 Ethics)

This offering examines aging and health concerns, and differentiates between normal aging and unhealthy aging. This module also reviews the major health conditions that affect older adults and how they should prepare for a medical emergency.

1Learning Objectives
  • Identify and explain the difference between normal aging and unhealthy aging
  • Explain the major conditions that affect older adults, and how they should prepare in advance for a medical emergency
2Overview

Format: Online learning & quiz

Pre-requisites: None

CE Credits: 4 CE, including 3 Ethics

Note: Please check with your jurisdiction, designating body or professional association regarding their CE requirements.

Additional Material: The Aging Client and Long-Term Care, Jacqueline E. Figas, 3rd Edition, $69.95 plus shipping & taxes

Completion Requirements:

  • Passing mark is 60% Completion of one online quiz (100% of overall mark)
3Features
  • 24/7 access to the Advocis Learning Centre
  • One-month window for completion
  • Two quiz attempts
  • Access to the Binder tool
  • Download content
  • Access to help for module-related questions
  • ReadSpeaker text-to-speech
4Delivery
  • Self-study: The Advocis online modules are designed as self-study, with success highly dependent on the student's personal discipline. Students are presented with learning content and a quiz to assess their overall understanding.
5Price

Members: $50.00 plus shipping & taxes

Non-members: $75.00 plus shipping & taxes

Administrative Policies:

  • All purchases are non-refundable
  • There are no cancellations or extensions
  • Expiry date is 30 days after registration
  • Students must re-purchase after 2 unsuccessful attempts
  • Allow for 1-2 business days to access the module following the registration and payment process
6Bundle

Members: $232.50 plus shipping & taxes

Non-members: $395.25 plus shipping & taxes

Administrative Policies:

  • All purchases are non-refundable
  • There are no cancellations or extensions
  • Expiry date is 1 year after registration
  • Students must re-purchase after 2 unsuccessful attempts
  • Allow for 1-2 business days to access the module following the registration and payment process

Module 4: Senior Care Alternatives (4 CE)

This module addresses government care programs, which are delivered through each province's Ministry of Health. Topics discussed include the factors that influence care options such as unique housing needs, the need for home care or community care, the need for respite for the caregiver and the support of a care manager.

1Learning Objectives
  • Explain home care and residential care options, how the need is determined, how to select appropriate care and how to obtain the services
  • Explain what the caregiver must do to prepare for the change and how to assist the care recipient through this transition
  • Identify and explain why population aging is occurring, how it impacts our healthcare system and the implications for clients
2Overview

Format: Online learning & quiz

Pre-requisites: None

CE Credits: 4 CE

Note: Please check with your jurisdiction, designating body or professional association regarding their CE requirements.

Additional Material: Disability Insurance and Other Living Benefits, Jacqueline Figas, 3rd Edition, $69.95 plus shipping & taxes

Completion Requirements:

  • Passing mark is 60% Completion of one online quiz (100% of overall mark)
3Features
  • 24/7 access to the Advocis Learning Centre
  • One-month window for completion
  • Two quiz attempts
  • Access to the Binder tool
  • Download content
  • Access to help for module-related questions
  • ReadSpeaker text-to-speech
4Delivery
  • Self-study: The Advocis online modules are designed as self-study, with success highly dependent on the student's personal discipline. Students are presented with learning content and a quiz to assess their overall understanding.
5Price

Members: $50.00 plus shipping & taxes

Non-members: $75.00 plus shipping & taxes

Administrative Policies:

  • All purchases are non-refundable
  • There are no cancellations or extensions
  • Expiry date is 30 days after registration
  • Students must re-purchase after 2 unsuccessful attempts
  • Allow for 1-2 business days to access the module following the registration and payment process
6Bundle

Members: $232.50 plus shipping & taxes

Non-members: $395.25 plus shipping & taxes

Administrative Policies:

  • All purchases are non-refundable
  • There are no cancellations or extensions
  • Expiry date is 1 year after registration
  • Students must re-purchase after 2 unsuccessful attempts
  • Allow for 1-2 business days to access the module following the registration and payment process

Module 5: Planning Techniques for Seniors (4 CE, Including 2 Ethics)

This module considers how the needs of the insured will change over time, and how benefits under the LTC policy should reflect those changes. This module also considers the special way in which seniors respond to communication.

1Learning Objectives
  • Understand the planning process related to LTC insurance
  • Know the key planning topics for discussion between adult children and their parents
  • Create a suitable plan design based on your client's needs
  • Understand age-related changes in memory and learning, and how to adapt your presentations and communication to deal more effectively with an older clientele
  • Identify target markets for long-term care insurance
2Overview

Format: Online learning & quiz

Pre-requisites: None

CE Credits: 4 CE, including 1 Ethics

Note: Please check with your jurisdiction, designating body or professional association regarding their CE requirements.

Additional Material: Disability Insurance and Other Living Benefits, Jacqueline Figas, 3rd Edition, $69.95 plus shipping & taxes

Completion Requirements:

  • Passing mark is 60%
  • Completion of one online quiz (100% of overall mark)
3Features
  • 24/7 access to the Advocis Learning Centre
  • One-month window for completion
  • Two quiz attempts
  • Access to the Binder tool
  • Download content
  • Access to help for module-related questions
  • ReadSpeaker text-to-speech
4Delivery
  • Self-study: The Advocis online modules are designed as self-study, with success highly dependent on the student's personal discipline. Students are presented with learning content and a quiz to assess their overall understanding.
5Price

Members: $50.00 plus shipping & taxes

Non-members: $75.00 plus shipping & taxes

Administrative Policies:

  • All purchases are non-refundable
  • There are no cancellations or extensions
  • Expiry date is 30 days after registration
  • Students must re-purchase after 2 unsuccessful attempts
  • Allow for 1-2 business days to access the module following the registration and payment process
6Bundle

Members: $232.50 plus shipping & taxes

Non-members: $395.25 plus shipping & taxes

Administrative Policies:

  • All purchases are non-refundable
  • There are no cancellations or extensions
  • Expiry date is 1 year after registration
  • Students must re-purchase after 2 unsuccessful attempts
  • Allow for 1-2 business days to access the module following the registration and payment process

Module 6: Underwriting & Claims (2 CE)

A discussion of the underwriting process and the medical considerations that differentiate underwriting LTC insurance from underwriting DI or CI insurance.

1Learning Objectives
  • Identify key differences between the LTC insurance risk and other forms of insurance risk
  • Apply improved selection skills during the prospecting and fact finding stages
  • Properly package the application for presentation to the underwriter, thereby ensuring the best offer for the client
2Overview

Format: Online learning & quiz

Pre-requisites: None

CE Credits: 2 CE

Note: Please check with your jurisdiction, designating body or professional association regarding their CE requirements.

Additional Material: The Aging Client and Long-Term Care, Jacqueline E. Figas, 3rd Edition, $69.95 plus shipping & taxes

Completion Requirements:

  • Passing mark is 60%
  • Completion of one online quiz (100% of overall mark)
3Features
  • 24/7 access to the Advocis Learning Centre
  • One-month window for completion
  • Two quiz attempts
  • Access to the Binder tool
  • Download content
  • Access to help for module-related questions
  • ReadSpeaker text-to-speech
4Delivery
  • Self-study: The Advocis online modules are designed as self-study, with success highly dependent on the student's personal discipline. Students are presented with learning content and a quiz to assess their overall understanding.
5Price

Members: $30.00 plus shipping & taxes

Non-members: $45.00 plus shipping & taxes

Administrative Policies:

  • All purchases are non-refundable
  • There are no cancellations or extensions
  • Expiry date is 30 days after registration
  • Students must re-purchase after 2 unsuccessful attempts
  • Allow for 1-2 business days to access the module following the registration and payment process
6Bundle

Members: $232.50 plus shipping & taxes

Non-members: $395.25 plus shipping & taxes

Administrative Policies:

  • All purchases are non-refundable
  • There are no cancellations or extensions
  • Expiry date is 1 year after registration
  • Students must re-purchase after 2 unsuccessful attempts
  • Allow for 1-2 business days to access the module following the registration and payment process

Module 7: Products (2 CE)

An extensive consideration of various insurance policy structures such as the reimbursement-based, the indemnity-based and the income-based models. The module also reviews the two major types of benefits: home care benefits and facility benefits.

1Learning Objectives
  • Identify and explain the three main structures for long-term care (LTC) insurance and the hybrid versions that have evolved from them
  • Analyze the various provisions and options found in long-term care insurance
2Overview

Format: Online learning & quiz

Pre-requisites: None

CE Credits: 2 CE

Note: Please check with your jurisdiction, designating body or professional association regarding their CE requirements.

Additional Material: The Aging Client and Long-Term Care, Jacqueline E. Figas, 3rd Edition, $69.95 plus shipping & taxes

Completion Requirements:

  • Passing mark is 60% Completion of one online quiz (100% of overall mark)
3Features
  • 24/7 access to the Advocis Learning Centre
  • One-month window for completion
  • Two quiz attempts
  • Access to the Binder tool
  • Download content
  • Access to help for module-related questions
  • ReadSpeaker text-to-speech
4Delivery
  • Self-study: The Advocis online modules are designed as self-study, with success highly dependent on the student's personal discipline. Students are presented with learning content and a quiz to assess their overall understanding.
5Price

Members: $30.00 plus shipping & taxes

Non-members: $45.00 plus shipping & taxes

Administrative Policies:

  • All purchases are non-refundable
  • There are no cancellations or extensions
  • Expiry date is 30 days after registration
  • Students must re-purchase after 2 unsuccessful attempts
  • Allow for 1-2 business days to access the module following the registration and payment process
6Bundle

Members: $232.50 plus shipping & taxes

Non-members: $395.25 plus shipping & taxes

Administrative Policies:

  • All purchases are non-refundable
  • There are no cancellations or extensions
  • Expiry date is 1 year after registration
  • Students must re-purchase after 2 unsuccessful attempts
  • Allow for 1-2 business days to access the module following the registration and payment process
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