The Chambre de la sécurité financière is a self-regulatory organization whose mission is to protect consumers by maintaining discipline and overseeing the training and ethics of its nearly 32,000 members. Those members practice in five sectors and registration categories:
- Group savings plan brokerage
- Financial planning
- Insurance of persons
- Group insurance of persons
- Scholarship plan brokerage
The Chambre carries out its mission by providing a stringent framework for the practices of the professionals who are its members and by contributing to the continuous enhancement of their knowledge.
A representative must accumulate the following professional development units (PDUs):
- 10 PDUs in general subjects;
- 10 PDUs in compliance with standards, ethics and business conduct*;
- 10 PDUs in topics specific to each sector or registration category in which him or her is authorized to pursue activities
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| Insurance of persons | 10 PDUs |
| Group insurance of persons | 10 PDUs |
| Group savings plan brokerage | 10 PDUs |
| Group savings plan brokerage and Scholarship plan brokerage | 10 PDUs specific to group savings plan brokerage + 5 PDUs specific to scholarship plan brokerage |
| Scholarship plan brokerage | 10 PDUs including a minimum of 5 PDUs specific to scholarship plan brokerage (the remaining PDUs must be accumulated in group savings plan brokerage or in scholarship plan brokerage) |
* Every two reference periods (every four years), three of the PDUs a representative must accumulate in the subjects of compliance with standards, ethics and business conduct must be obtained during a training activity developed by the Chambre and offered by it or in partnership with it.
During a reference period, PDUs accumulated in excess of the number required in a specific sector or registration category or in compliance with standards, ethics and business conduct will be credited to general subjects.
Failure to comply with the rules governing compulsory professional development will lead to a suspension of the representative’s certificate or of his registration in the sectors or registration categories in which the requirements have not been met.
GENERAL SUBJECTS
- Management of a financial services firm
- Civil Code
- Accounting
- Economics
- Finance
- Business planning for clients
- Business planning for representatives
- Financial planning
- Tax planning
- Actuarial sciences
- Legislative environment
- Intestate and testamentary successions
SUBJECTS SPECIFIC TO EACH SECTOR OR REGISTRATION CATEGORY
Insurance of persons
- Client counselling
- Underwriting or risk management
- Disability insurance
- Life insurance
- Trusts
- Risk management in insurance of persons
- Underwriting in insurance of persons
- Accident or health insurance plans
- Segregated funds
- Strategy of wealth accumulation and use
- Financial needs analysis
- Deferred income plans
- Investor profile and asset allocation
- Investment strategy
- Retirement and estate planning
Group insurance of persons
- Client counselling
- Underwriting or risk management
- Disability insurance
- Life insurance
- Group insurance and group pension plans
- Benefits and underwriting in group insurance and group annuity plans
- Setting up a group insurance and group annuity program
- Preparing a rate schedule and analyzing group insurance and group annuity quotes
- Preparing a group insurance and group annuity recommendation
- Public and private plans
- Processing group insurance claims
Group savings
- Client counselling
- Underwriting or risk management
- Retirement and estate planning
- Trusts
- Strategy of wealth accumulation and use
- Deferred income plans
- Mutual funds
- Investor profile and asset allocation
- Investment strategy
- Knowing the client
- Registered plans
Scholarship plans
- Client counselling
- Underwriting or risk management
- Investor profile
- Knowing the client
- Strategy of wealth accumulation and use
- Scholarship plans
COMPLIANCE WITH STANDARDS, ETHICS AND BUSINESS CONDUCT
The following is a non-exhaustive list, solely for informational purposes, of subjects which may fall within this topic:
- Notions of ethics, standards of conduct and professional ethics
- Code of ethics of the Chambre de la sécurité financière and Regulation respecting the rules of ethics in the securities sector
- Decisions of the Disciplinary Committee
- Role of the syndic and inquiry process
- Role of the Disciplinary Committee and disciplinary process
- Compliance notions and programs
- Statutory and regulatory obligations of firms, independent representatives and independent partnerships
- Statutory and regulatory obligations of representatives
- Laws and regulations concerning the practice of members, firms, independent representatives and independent partnerships
Any structured training activity aimed at improving expertise in subjects related to laws, regulations and professional ethics in matters of insurance of persons, group insurance of persons, group savings plan brokerage or scholarship plan brokerage may be recognized under this topic.
