The many uses of “Eh?”

The many uses of “Eh?”

Happy Canada Day Eh!

ILScorp offices are closed Monday July 3, for Canada Day Eh,  but we will be back on July 4th!

Admit it, you’ve said “Eh” occasionally, maybe even more than you realize.
According to Wikipedia, Eh is similar in meaning to “Excuse me,” “Please repeat that” or “huh?”

Really Eh?
According to us Canadian folk (or at least myself)  Eh has some very  serious uses.

One Canadian favourite is that Eh can easily turn any sentence into a question.  For example “The weather is nice.”  to “The weather is nice, Eh?”  Call it lazy but it’s a lot easier to say “The weather is nice, Eh?” than “Than the weather is nice, don’t you agree?”

Eh can also effectively accompany a command. “Open the door, Eh!” or “Think about it, Eh!”  See how the commands become much more assertive.

The simple addition of Eh to any insult, takes it to a whole new level.  “You’re a real snob, Eh?”  Or an accusation, “You took the last doughnut Eh!”  There’s no arguing with that accusation, that doughnut was definitely the last one, and you definitely took it.

Eh is also very effective in storytelling.   “So this guy was parking his car Eh, then he gets out Eh, and I guess his car wasn’t actually in park Eh…”  The story is much more compelling with the use of Eh, you can feel the foreshadowing and suspense.

Eh can also instantly create ambiance. “The weather is nice, Eh?” suggests a backyard summer BBQ with cold beer and friends, where as “The weather is nice, don’t you agree?” portrays sipping tea with Great Aunt Beatrice, your pinky in the air.  BBQ sounds much better, Eh?

Our use of Eh is often mocked in the US, along with “aboot” but Eh is truly Canadian, it even has its own fixed expressions, “Thanks, Eh!” or  “I know, Eh?”  But on July 1, say it loud and proud! Happy Canada Day, Eh!
Enjoy the July 1 Canada Day holiday!

ILScorp offices are closed for Canada Day Eh,  but we will be back on July 4th Eh!

Ongoing Education Requirements for Alberta Residents

Continuing Education Requirements for Alberta Resident Agents and Adjusters

Life and Accident & Sickness insurance agents, General insurance agents and Adjusters who hold a certificate of authority must obtain 15 hours of continuing education credits as a condition of renewing their certificate of authority.

Effective July 1, 2014 a “certificate term” means the period beginning on July 1 and ending on the next June 30.

All certificate holders are required to have 15 hours of credits per certificate for the first reporting period. The regulation also provides a mechanism to carry forward up to a maximum of 7.5 hours of credits from one certificate term to the next.

Certificate holders are required to demonstrate that they have completed 15 hours of approved continuing education courses for each class of license being renewed by entering all approved courses under their Alberta Insurance Council profile. The Alberta Insurance Council (AIC) will conduct random audits to determine that certificate holders are in compliance with these requirements. All certificate holders must keep a copy of their CE certificates issued by a continuing education provider for a period of 3 years following the expiry of the certificate term and must provide a copy of those records when they become part of a random audit.

Agents or Adjusters who become licensed for the first time in the first nine months of any certificate term are required to obtain CE credits. The number of hours required is calculated on a pro-rated basis in accordance with a formula established by the regulation. Agents who become licensed in the final three months of a certificate term are not required to obtain CE credits for that year only. DO NOT send copies of your CE certificates to the AIC unless specifically asked to do so by the AIC.

View CE Course Subscription Options

Now is the time to get working on your mandatory CE hours and avoid the last minute rush. ILScorp is ready to help, with continuing education catalogues featuring hundreds of hours of accredited courses that you can complete anywhere you have an internet connection.

Advantages of the ILS continuing education course subscriptions:

  • Once you purchase your subscription, you can begin taking your courses immediately! If you are a new subscriber, you will receive an automated username and password by email.
  • Access more than 180 accredited general insurance training courses in both text and streaming video formats, including personal lines, commercial lines, auto, farm, professional management and personal skills courses.
  • Access more than 75 accredited life/A&S insurance training courses in both text and streaming video formats including errors & omissions insurance, money management planning process and insurance and estate planning.
  • Have a digital record of your completed course work, which we keep on file for up to seven years.
  • Save time by completing your general insurance continuing education requirements entirely online, no paperwork or commute.
  • Courses can be accessed any time and you can log in and log out as many times as you wish during the course period.
  • Quizzes and Final exams are offered in most of our courses to help you retain the information.
  • Should you require any assistance at any time during your course work, we are here to support you 5 days a week, 0800 – 1700 PST.

Alberta an Insurance Professional’s Responsibilities

Alberta an insurance professional’s regulatory responsibilities

In this four part course you will be guided through the regulatory responsibilities expected of an Insurance professional in the province of Alberta.  This online course looks specifically at the Insurance Council of Alberta, it’s subordinate councils and the rules and regulations that guide them. We then take a closer look at appeals, the election process and general provisions and finally the code of conduct for General Insurance licensees is covered in detail.

Other topics covered include:
Appeals
Provisions and Elections
Code of Conduct

This course is included as part of your ILS CE Course Subscription

More Info on Course

Access Duration from the Date of Purchase: 6 Month(s)

Credit Hours: 2

Credit Type: General/Adjuster or Life/A&S

AIC# 43817 General/Adjuster

AIC# 43818 Life/A&S

ALBERTA ACCREDITED ONLY

Detailed Course Lesson Plan

Lesson 1 – Insurance Councils
1. Interpretation
2. Composition of Alberta Insurance Council
3. Composition of Life Insurance Council
4. Composition of General Insurance Council
5. Composition of Adjuster Council
6. Chairs of Council
7. Becoming Ineligible
8. Term
9. Delegation
10. Delegation of Alberta Insurance Council
11. Life, General and Adjuster Councils
12. Inspection of Records

Lesson 2 – Appeals
13. Appeal Board
14. Becoming ineligible
15. Term
16. Notice of appeal
17. Panels
18. Remuneration, fees and expenses
19. Hearing and notice of hearing
20. Evidence – councils decision
21. Written Submissions
22. Procedural fairness
23. Panel orders
24. Disposition of appeal fee
25. Requirements for order
26. Appeal to court
27. Evidence
28. Court orders

Lesson 3 – General Provisions and Elections
29. Eligibility for candidates
30. Nominations
31. Voter eligibility – council elections
32. Voter eligibility – appeal board elections
33. Election process
34. Alternate elected members
35. Repealed AR 104/2006 s13
36. Repeal
37. Expiry
38. Coming into force

Lesson 4 – Code of Conduct Principles
1. Trustworthiness
2. Good Faith
3. Competence
4. Financial Integrity
5. Dealing with Clients
6. Dealing with Insurers
7. Dealing with Agents
8. Dealing with Agents
9. Conduct Specific to Agents acting as insurance adjusters
10.Dealing with the Alberta insurance council
11.Compliance with governing legislation and the code

How many CE credits do I need?

How many CE credits do I need?

How many CE credits do I need to renew my insurance license?

Canadian Insurance Continuing Education Requirements and Record Keeping

The following information is to be used as guidance to help you ensure you meet your professional requirements and obligations. For more information or for help with specific questions, contact your provincial or territorial insurance council.

BC CE REQUIREMENTS

  • General insuranceJune 1 to May 31 annually – 4, 6 or 8 CE credits, depending on experience (see below for more information)
  • AdjustersJune 1 to May 31 annually – 4, 6 or 8 CE credits, depending on experience (see below for more information)
  • Life and Accident and Sickness – from June 1 to May 31 annually – 5, 10 or 15 CE credits, depending on experience (see below for more information)

Depending on what license the licensee holds, there are other restrictions in place:

General insurance

  • Licensees with an approved designation (CAIB, CIB, CIP [formerly AIIC], CCIB, FCIP and CRM) must have 4 continuing education credit hours
  • Licensees who do not have an approved designation but have been licensed as a general insurance agent or salesperson for at least 5 out of the last 7 years in Canada must earn 6 continuing education credit hours
  • Licensees who do not have an approved designation and who have not been licensed as a general insurance agent or salesperson for at least 5 out of the last 7 years in Canada must earn 8 continuing education credit hours
  • No single course can be accredited for more than 8 hours
  • No more than 7 credit hours can be earned in a single day
  • If a course includes an exam, the student must pass the exam to receive the credit hours
  • Excess credit hours cannot be carried over into the next licensing period

 

Adjusters

  • Licensees with an approved designation (CAIB, CIB, CIP [formerly AIIC], CCIB, FCIP and CRM) must have 4 continuing education credit hours
  • Licensees who do not have an approved designation but have been licensed as a general insurance agent or salesperson for at least 5 out of the last 7 years in Canada must earn 6 continuing education credit hours
  • Licensees who do not have an approved designation and who have not been licensed as a general insurance agent or salesperson for at least 5 out of the last 7 years in Canada must earn 8 continuing education credit hours
  • No single course can be accredited for more than 8 hours
  • No more than 7 credit hours can be earned in a single day
  • If a course includes an exam, the student must pass the exam to receive the credit hours
  • Excess credit hours cannot be carried over into the next licensing period

 

Accident and Sickness (A&S)

  • Licensees who hold an approved designation (CFP, CLU, RHU,FCIA,FLMI or CEBS) must earn 5 hour of continuing education credits
  • Licensees who have been licensed as a life insurance agent for at least 5 out of the last 7 years but do not have an approved designation must have 10 hours of continuing education credits
  • Licensees who have not been licensed for at least 5 out of the last 7 years and do not have an approved designation must obtain 15 hours of continuing education
  • No single course can be accredited for more than 15 hours
  • No more than 7 credit ours can be earned in a single day
  • If a course includes an exam, the student must pass the exam to receive the credit hours
  • Excess credit hours cannot be carried over into the next licensing period

 

Life Insurance

  • Licensees who hold an approved designation (CFP, CLU, RHU,FCIA,FLMI or CEBS) must earn 5 hour of continuing education credits
  • Licensees who have been licensed as a life insurance agent for at least 5 out of the last 7 years but do not have an approved designation must have 10 hours of continuing education credits
  • Licensees who have not been licensed for at least 5 out of the last 7 years and do not have an approved designation must obtain 15 hours of continuing education
  • Only technical material will qualify for continuing education. This includes education relating to:
    • Life insurance products
    • Financial planning, provided the education is geared towards life insurance and not a non-insurance sector such as securities or mutual funds
    • Compliance with insurance legislation and requirements, including the Insurance Act, Council Rules, privacy legislation
    • Ethics
    • E&O
  • Excess credit hours cannot be carried over into the next licensing period
  • No course can be accredited for more than 15 hours;
  • There is a daily maximum of 7 hours; and
  • Where a course involves an exam, you must successfully pass the exam.

Licensees must ensure they have a valid record of course completion. These records must be kept for five years from the end of the licensing period from when the credit was obtained. The Insurance Council of British Columbia may conduct random audits. Licensees who lack proper records or documentation may face disciplinary action, including the invalidating of the license.

Generally, one hour of instruction is equal to one hour of continuing education credit, with a one hour minimum. Breaks are excluded from the hour and students must complete the course or the seminar.

ALBERTA CE REQUIREMENTS

  • General insuranceJuly 1 to June 30 annually – 15 CE credits
  • AdjustersJuly 1 to June 30 annually – 15 CE credits
  • Life and Accident and SicknessJuly 1 to June 30 annually – 15 CE credits

Agents, brokers and adjusters in Alberta must maintain their continuing education certificates for three years after the expiry of the licensing period in which the credits were earned. The Alberta Insurance Council may conduct random audits and these audits will only extend back three years.

Alberta allows for a carry-over of 7.5 hours/credits per year, per insurance class.

All licensees will be required to earn 15 hours of credits per certificate (with a carry-over of 7.5 hours per year allowed.) When renewing his or her license, the licensee must declare that he or she has obtained the required number of hours. The Alberta Insurance Council may conduct random audits.

MANITOBA CE REQUIREMENTS

  • General insuranceJune 1 to May 31 annually – 8 CE credits
  • AdjustersJuly 1 to June 30 annually – 8 CE credits
  • Life and Accident and Sickness – from June 1 to May 31 annually – 15 CE credits

Licensees must self-report their earned continuing education credits online through the Insurance Council of Manitoba’s Enhanced Online CE Module.

Continuing education requirements vary by license, as follows:

General insurance

  • 8 credit hours accumulated from June 1 to May 31
  • Maximum of 4 credit hours can be carried forward each year

 

Adjusters

  • 8 credit hours accumulated from July 1 to June 30
  • Maximum of 4 credit hours can be carried forward each year

 

Life and/or Accident & Sickness

  • 15 credit hours accumulated from June 1 to May 31
  • Carryover of excess credit hours is not permitted

 

Auto-only brokers

  • 4 credit hours accumulated from June 1 to May 31
  • Maximum of 2 credit hours can be carried forward each year

 

To see all provincial CE credit requirements visit the ILScorp Resource Center: https://www.ilscorp.com/resource-center/

 

Back to Work, Back to CE Deadlines!

Back to Work, Back to CE Deadlines!

Hope you enjoyed your long weekend!

Now it’s back to work and back to mandatory CE requirement deadlines.

Hooray!

Don’t stress out just yet.

Yes there are only days left to the May 31 CE credit deadline but with ILS your CE is FAST, EASY and DONE!
Get online and get to work. Purchase or renew your ILS CE Course Subscription and complete your CE requirements entirely online now.

ILS offers accredited continuing education courses for insurance agents and financial planners across Canada. Continuing Education deadlines for insurance agents in BC and Manitoba are May 31, and Alberta’s requirements must be met by June 30 this year. With an ILS CE Course Subscription immediately access hundreds of provincially accredited CE hours for one low cost.

Renew or Purchase CE Subscription

Your CE Deadline Dates
MAY 31 – BC Life / General / Adjuster – MB Life / General
JUNE 30 – AB Life / General / Adjuster – MB Adjuster
SEPT 30 – ON General

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