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. Any learner who has concerns regarding any kind of discrimination related to an Oliver’s program is encouraged to bring this to the attention of our Operations Manager Fernanda De Melo ([email protected]). Learners can raise concerns and make reports without fear of reprisal.

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].

Life Insurance

Competency: Recommend individual and group life 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 regards 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 on 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

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

Segregated Funds

Competency: Recommend segregated funds, individual annuities and group pension plans adapted to the client’s needs and situation

1. Assess the client’s needs and situation
- Determine the client’s situation, investment objectives, and investor profile
- 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 investments that can constitute a segregated fund and that meet the client’s needs
- Analyze the advantages of segregated funds in comparison to other types of investments in regard to the client’s needs
- Analyze the types of annuities that meet the client’s needs
- Analyze the types of group retirement and investment plans that meet the client’s needs
3. Implement a recommendation adapted to the client’s needs and 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 regard 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

• 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

• Intel/AMD/ARM

• 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).