CLU® - Chartered Life Underwriter
The CLU designation is an internationally recognized credential for professional financial advisors specializing in advanced planning areas of wealth transfer and estate planning for individuals, business owners and professionals. The CLU designation, granted in Canada by The Institute for Advanced Financial Education, is Canada’s premier wealth and estate planning designation. A CLU professional is qualified to help you with estate planning, wealth transfer, income replacement, risk management and succession planning.
 
CFP® - Certified Financial Planner®
The Certified Financial Planner (CFP) designation is a professional certification mark for financial planners conferred by the Certified Financial Planner Board of Standards (CFP Board) in the United States, by the Financial Planning Standards Council in Canada and by 22 other organizations affiliated with Financial Planning Standards Board (FPSB), the international owner of the CFP mark outside of the United States.

To receive authorization to use the designation, the candidate must meet education, examination, experience and ethics requirements, and pay an ongoing certification fee. The information relates specifically to CFP certification in the United States. In the UK, the CFP licence is available to financial planners through membership of the Institute of Financial Planning.

For more details, please refer to: http://www.advocis.ca/account/Find-profile.aspx?id=MLPZa4vWgik=

In order to understand the role of life insurance on a regular basis, it is necessary to reveal its mysterious veil. Below 10 life insurance the misunderstanding can help you make the right choice of insurance.

I do not need life insurance
This is wrong. Few people can be left at death have enough money to complete the unfinished or complete responsibility he did not have a negative after. For example, if you have a wife, kids, they have to rely on your income to live in or you out there mortgages, credit cards or car loans, you need life insurance the.

2 I do not go out so do not need life insurance
Wrong. Even if you do not go out, if you're gone, you know that the child support payments and household spending in the end how much the sum of expenditure? It involves a lot of money, this time on the need to rely on the life insurance.

3 life insurance companies I work, so no other insurance.
This, of course, wrong. In fact, when you work to buy insurance and not imagined less comprehensive. Think about whether your boss how much insurance you pay it? And, once you retire or leave for whatever reason, that your insurance is also coming to an end.

I Mortgage Life Insurance, which is enough.
Mortgage Life Insurance (Mortgage life insurance) just after the death of one of the lenders in the contract, but also on its outstanding loans also, but nothing more. Term life insurance to cover any costs, including funeral expenses, mortgages, car consumer loans and credit card loans, or to make up for the loss on the family economy.

I do not need life insurance, because my kids have been independent and has also on my loan.
Everyone's insurance needs are different, but think about it, if not you, your spouse do for a living? If not you, he (she) also lives 10 years, 20 years?

I can not get insurance, because I was a smoker.
This is wrong. Actually as a smoker, paid insurance premiums than non-smokers. But even so, the premium is more than you imagine to be lower.

WunderGist

In the eyes of the insurance agent, a day for smokers lifetime for smokers.
This idea is wrong. Most insurance companies recognize the year after you quit smoking for non-smokers. So, after a year you can get a premium rate of non-smokers.

I am young, so do not need life insurance.
While you work in decades, not the death, but who also can not guarantee that there will not be an accident. This is why young and healthy people should buy insurance reasons. Buy life insurance, it means do not spend a lot of money can guarantee "Houguwuyou".
For example, a site 25 million 10-year insurance quotes:
Healthy non-smoking 35-year-old female premium of 163 yuan a year;
Healthy non-smoking 35-year-old male an annual premium of $ 200;
Healthy non-smoking 35-year-old married couple an annual premium of only 313 yuan.
So, meet the best conditions for the people to pay the lowest premium.

Since term life insurance is so cheap, that which is certainly a fraud.
In fact, there is not. Term Life Insurance can cover the whole premium. In addition, the annual premium is fixed, it is not because of the age to buy insurance and health status change.

10 buy life insurance is very troublesome.
With help from professional insurance advisor, the application process is very convenient.

If you are interested in a career in financial planning, obtaining CFP certification demonstrates to your clients that you are committed to exemplifying the industry gold standard in financial planning. Earning CFP certification will equip you with all the skills, abilities and knowledge necessary to be a competent and ethical financial planner working directly one-on-one with clients.

Why CFP certification?

Certified Financial Planner^® certification is the industry gold standard in financial planning. CFP professionals are the largest identifiable body of licensed financial planners in Canada with over 17,500 individuals meeting the strict standards of this designation.

Since financial planning is not regulated in most Canadian provinces, anyone can call themselves a "financial planner"; but not everyone who refers to themselves as a planner is indeed qualified. In the absence of government regulation, Canadians seeking competent and ethical financial planning services should look for the CFP mark. CFP certification provides assurance that the planner is committed to internationally-recognized professional standards of competence, ethics and practice as set and enforced in Canada by FPSC.

These requirements include:

• completion of education in financial planning;
• successful completion of rigorous standardized examinations;
• financial planning work experience; and,
• an ethical commitment to put the client's interest first.

CFP professionals are also held to ongoing rigorous standards through FPSC's continuing education requirements and enforcement processes.

As a certifying organization, FPSC has committed itself to meeting the highest standards of performance. FPSC has received ISO 17,024 accreditation by the Standards Council of Canada (SCC) for its role as the certifying body for the CFP certification program in Canada. This demonstrates that the CFP certification program has met the highest global standards for fairness and diligence, and that the CFP designation is conferred by a body worthy of the trust of consumers, industry and financial planners alike.

For details, please check

www.fpsc.ca

It is your responsibility to know the terms of your insurance policy. Carefully read the fine print to know when your insurer is obliged to pay. Never lie about your medical history when applying for travel health insurance or you could invalidate a subsequent claim.