Additional Deposit Options deconstructed

This webinar is available in English and in Mandarin

The Additional Deposit Option deconstructed webinar offers a deep dive into the key features and benefits of Additional Deposit Options (ADO).

This session explains how ADO works—including MTAR and Load—and presents various scenarios to illustrate its practical applications. Through detailed examples and real-world discussions, you’ll explore the flexibility and advantages of incorporating ADO into financial plans. Viewers will come away with a strong understanding of how ADO can be tailored to meet a variety of clients’ needs and goals.

Key learnings:

1. Understanding ADO’s Value – Gain insights into Additional Deposit Options and how they create new opportunities for growth—for both you and your clients.
2. MTAR and Load Explained – Learn about MTAR (Maximum Tax Actuarial Reserve) and Load, including how they function and the benefits they provide to clients.
3. Scenario Analysis – Review practical examples of ADO in action, including comparisons between basic and max ADO scenarios and their financial impacts.
4. Flexibility of ADO – Discover how ADO allows for flexible contributions—start and stop deposits as needed to align with your clients’ financial goals and capacity.
5. Diverse Applications – Explore use cases such as juvenile plans, corporate IRPs, estate bonds for the family market, and strategies for passive investment income in a business context.

Earn 1 CE credit*

To get the CE credit, you must attend at least 95% of the webinar and obtain a result of 70% or higher on the quiz.

* This webinar is pending approval by Advocis (The Financial Advisors Association of Canada), Alberta Insurance Council (AIC), Chambre de la sécurité financière (CSF), FP Canda, MFDA, Insurance Council of Manitoba and Insurance Council of Saskatchewan. Once accreditation is obtained, you will receive an email and will be able to download your certificate.

Key speakers - English

Brent Swatuk, CLU, CHS
Regional Vice President, Ontario & Atlantic, Desjardins Insurance

Nitin Bansal, FSA, FCIA
Director, Actuarial Support, IDC Worldsource Insurance Network

Key speakers - Mandarin

Shouli Ma, MBA, CFP, TEP
Regional Sales Director, Desjardins Insurance

Flexibility for Your Client: Additional Deposit Option

Join us for this exclusive webinar introducing Desjardins Insurance’s Additional Deposit Option (ADO), where we’ll highlight its value and flexibility.

In this webinar, Brent Swatuk, Reh Bhanji and David Lee will share their insights and market experience with the Additional Deposit Option—and how this feature can benefit your clients.

Key Learnings:

• Understanding ADO’s value: Gain insights into Desjardins Insurance’s Additional Deposit Option and how it creates new opportunities and growth for advisors
• Desjardins’ mission and value: Learn about Desjardins’ cooperative values, scale, and market leadership
• PAR fund insights: Understand Desjardins Insurance’s PAR fund, its investment strategy, and how it aligns with cooperative values
• Dividend scale interest rate: Learn about Desjardins Global Asset Management’s (DGAM) approach to managing dividend scale interest rates
• Practical applications: See real-world examples through case studies and discover how to use the Additional Deposit Option in practice

Earn 1 CE credit by attending this webinar. It is available in English, in Mandarin and in French.

Key speakers

Rehan Bhanji
National Best Practice Leader

Brent Swatuk
Regional Vice President, Ontario & Atlantic

David Lee
Manager, Business Development Support

Advanced Retirement Income Strategies

Join this MasterClass to discover how to navigate the complexities of retirement income planning in today’s evolving financial landscape. Learn advanced strategies that leverage insurance as a key asset class, helping you design sustainable and resilient retirement portfolios for your clients.

During this webinar, we:

• Analyze retirement income challenges
• Explore the future of retirement income planning, including key trends and considerations
• Uncover the role of insurance as an asset class, offering tax efficiency and portfolio stability
• Discuss practical strategies for late-stage retirement planning, ensuring financial security in the later years

Don’t miss this opportunity to gain valuable insights and actionable strategies to help your clients secure a stronger financial future.

Earn 1 CE credit!

Closed captioning: To ensure accessibility, closed captioning will be available in English and French.

Key speakers

Mark Li
Senior Financial Planning and Insurance Consultant

Dawit Hamilton
Regional Sales Director

Large case cover letters

Join this MasterClass to unlock the strategies behind successful cover letters. Learn how to craft documents that communicate key information, highlight client strengths and address underwriter concerns with confidence. While the focus will be on crafting letters for large cases, the techniques discussed can be applied across all cover letter scenarios.

During the webinar, we’ll:

• Start with an introduction to highlight the importance of impactful cover letters and set the stage for clear, effective communication
• Dive into the key components that underwriters expect in every case
• Explore effective practices to anticipate and resolve common obstacles
• Analyze a case study and practical example for actionable insights
• End with a summary of key strategies to enhance your cover letter approach

Earn 1 CE credit* (pending accreditation):

This training allows you to obtain 1 CE credit from the following organizations:

• Advocis (The Financial Advisors Association of Canada)
• Alberta Insurance Council (AIC)
• Chambre de la Sécurité Financière (CSF)
• Insurance Council of Manitoba
• Insurance Council of Saskatchewan
• MFDA

To get the CE credit, you must attend at least 95% of the webinar and obtain a result of 70% or higher on the quiz.

Note: This training is pending approval by the organizations involved. Once accreditation has been obtained, you’ll receive an email and will be able to download your certificate.

Closed captioning: To ensure accessibility, closed captioning will be available in English and French.

Date: Tuesday, February 25, 2025

Time: 1 p.m. (ET)

Key speakers

Rados Popovic
Regional Sales Director

Raluca Murgelas
Senior Underwriter, Large and Complex Cases

Dana Ciobanu
Underwriter, Large and Complex Cases

Christopher Nolan
Relational Case Manager

2025 Economic Outlook: A Trifecta of Headwinds and Tailwinds . Economic Hat Trick?

Join us for a live webinar and Q&A session with Randall Barlett, Director of Canadian Economics at Desjardins, and gain valuable insights for the year ahead.

During the webinar, we’ll:

• Discuss recent economic developments and strategies to adopt
• Talk about current economic challenges, including immigration trends, mortgage renewals and US policies
• Cover 3 promising strategies for Canada's near- and long-term growth: accelerate AI adoption, leverage Canada's vast critical mineral resources and scale up Canadian businesses

Continuing education (CE) credits are pending approval.

Key speakers

Randall Bartlett
Senior Director, Canadian Economics, Desjardins

Samuel Marceau, M.Sc.
Regional Sales Director, Desjardins Investment Solutions

Generational Legacy Plan

Find out all about our latest concept, the Generational Legacy Plan, an innovative financial strategy that offers a flexible approach to secure your clients' child or grandchild financial future across generations.

Join us and learn how to use this strategy to build a lasting legacy through wealth transfer planning involving a cash value life insurance policy. During the broadcast, we will:

• Introduce the Generational Legacy Plan, explaining how it uses permanent life insurance to provide a flexible financial foundation for future generations.
• Provide insights into the target market and clients who can benefit most from this approach.
• Discuss the importance of planning for wealth transfers and effective strategies to support smooth, tax-efficient transfers.
• Present a case study demonstrating the practical application of the Generational Legacy Plan, showing how it can provide long-term security and peace of mind.

Earn 1 CE credit* (pending accreditation):

This training allows you to obtain 1 CE credit from the following organizations:

• Advocis (The Financial Advisors Association of Canada)
• Alberta Insurance Council (AIC)
• FP Canada
• Insurance Council of Manitoba
• Insurance Council of Saskatchewan
• MFDA

To get the CE credit, you must attend at least 95% of the webinar and obtain a result of 70% or higher on the quiz.

Key speakers

Mark Li
Senior Financial Planning and Insurance Consultant

Suzanne Smith-Demers
Senior Financial Planning Consultant

Brent Swatuk
Regional Vice President, Ontario & Atlantic

Intergenerational Wealth Transfers

This webinar is designed to help you understand the implications of the great wealth transfer currently underway in Canada and how to effectively support your clients through this transition.

During the broadcast, we will:

• Interview Lisa Hutchinson, Owner and Principal Counsel of 20/20 Law Group, about wealth transfers in Canada. She will share insights about estate planning and effective intergenerational transfers.
• Explore strategies for successful wealth transfers, including gifting while living and utilizing life insurance
• Discuss the legal and tax implications of wealth transfers
• Present a case study on using life insurance to create a lifelong gift for future generations

Earn 1 CE credit* (pending accreditation):

This training allows you to obtain 1 CE credit from the following organizations:

• Advocis (The Financial Advisors Association of Canada)
• Alberta Insurance Council (AIC)
• FP Canada
• Insurance Council of Manitoba
• Insurance Council of Saskatchewan
• MFDA

To get the CE credit, you must attend at least 95% of the webinar and obtain a result of 70% or higher on the quiz.

Key speakers & guests

Suzanne Smith-Demers
Senior Financial Planning Consultant

Lisa Hutchinson
Owner and Principal Counsel of 20/20 Law Group, 20/20 Law Group

2024 Economic Outlook | Decreasing rates. Increasing opportunities?

What's in store for the rest of 2024? Join us on September 4th for this live webinar and Q&A session with Randall Bartlett, Senior Director of Canadian Economics at Desjardins.

The event will cover some key factors impacting our economy including:

• Rate cuts and the struggle to curb inflation
• Upcoming U.S. election
• Housing and Canada’s recent population surge
• Ongoing geopolitical tensions

Randall will also discuss where investors can look for regional pockets of opportunity around the world, and more.

CE Certification:

CE credits are available (including Life & Health). To qualify, you must attend for at least 55 minutes AND pass the CE quiz (70% or higher).

Key speakers & guests

Randall Bartlett,
Senior Director of Canadian Economics

2024 Federal Budget: The impacts for you and your clients

Join this webinar to help you better understand the implications of the 2024 Federal Budget for both you and your clients.

During the broadcast we will:

• Analyze how proposed changes to the capital gains inclusion rate (CGIR) will impact your client’s tax liabilities
• Explore new opportunities and challenges in personal and corporate financial planning in light of budgetary measures
• Discuss key strategies for optimal tax planning for business owners, trusts and estates

This presentation does not qualify for CE accreditation.

Key speakers & guests

Suzanne Smith-Demers
Senior Financial Planning Consultant

Kathryn Bennett
Senior Legal and Estate Planning Consultant

Keyperson CI planning

This quick-paced session will focus on important "need to know’s" for advisors to talk about with their clients as they develop a risk management plan that includes critical illness insurance.

Join this webinar to see:

• Risk management and keyperson critical illness insurance
• Transition strategies that can be used to pass on a business to a keyperson
• Key features of keyperson critical illness insurance
• Case studies focused on approaches to use based on the keyperson's role (shareholder and employee)

Earn 1 CE credit* (pending accreditation)

This training allows you to obtain 1 CE credit from the following organizations:

• Advocis (The Financial Advisors Association of Canada)
• Alberta Insurance Council
• FP Canada
• Insurance Council of Manitoba
• Insurance Council of Saskatchewan

To get the CE credit, you must attend at least 95% of the webinar and obtain a result of 70% or higher on the quiz.

Note: This training is pending approval by the organizations involved. Once accreditation has been obtained, you'll receive an email and will be able to download your certificate.

Key speakers & guests

Kathryn Bennett
Senior Legal and Estate Planning Consultant

Suzanne Smith-Demers
Senior Financial Planning Consultant

Maxime Lemire-Osborne
Living benefits expert

Mark Li
Senior Financial Planning and Insurance Consultant

Risk management for business owners

Join this webinar and learn about strategic approaches to help clients build a risk management plan that protects their business from these critical human capital losses in a cost-effective way.

Earn 1 CE credit* (pending accreditation)

This training allows you to obtain 1 CE credit from the following organizations:

• Advocis (The Financial Advisors Association of Canada)
• Alberta Insurance Council
• Chambre de la sécurité financière (CSF)
• Institut de planification financière
• FP Canada
• Insurance Council of Manitoba
• Insurance Council of Saskatchewan

To get the CE credit, you must attend at least 95% of the webinar and obtain a result of 70% or higher on the quiz.

Note: This training is pending approval by the organizations involved. Once accreditation has been obtained, you'll receive an email and will be able to download your certificate.

Key speakers & guests

Kathryn Bennett
Senior Legal and Estate Planning Consultant

Chau Tran
Senior Life Product Expert

Maxime Lemire-Osborne
Health Product Expert

Corporate Insured Retirement Plan (CIRP)

Drawing retirement income from your corporation

Join this webinar to see how the Corporate Insured Retirement Plan concept:

• Supplements business owner retirement income
• Provides immediate protection for a Canadian-controlled private corporation (CCPC)
• Enhances the estate value of the business owner
• Provides a tax-efficient estate transfer at death

Earn 1 CE credit* (pending accreditation)

This training allows you to obtain 1 CE credit from the following organizations:

• Advocis (The Financial Advisors Association of Canada).
• Alberta Insurance Council
• Chambre de la sécurité financière (CSF)
• Institut de planification financière
  
• FP Canada
• Insurance Council of Manitoba
• Insurance Council of Saskatchewan

To get the CE credit, you must attend at least 95% of the webinar and obtain a result of 70% or higher on the quiz.

Note: This training is pending approval by the organizations involved. Once accreditation has been obtained, you'll receive an email and will be able to download your certificate.

Key speakers & guests

Mark Li
Senior Financial Planning and Insurance Consultant

Suzanne Smith-Demers
Senior Financial Planning Consultant

Prioritizing your health – Critical illness insurance

To learn more about Health Priorities. During this webinar we'll talk about:

• the basics of critical illness insurance, including definitions of related terms, and detailed information on how it works
• cases where critical illness insurance coverage should be recommended
• opportunities to use the materials available when presenting your service offer
• best practices to be adopted

Earn 1 CE credit

To get the CE credit, you must attend at least 95% of the webinar and obtain a result of 70% or higher on the quiz. You can then download your certificate.

Key speakers & guests

Joachim Tremblay

Maxime Lemire-Osborne

Kathryn Bennett

Business owner's passive income challenges: opportunity for advisors

Be curious

Learn more about different corporate structures and the taxes of Canadian-controlled private corporations (CCPCs)

Evaluate the situation and identify repercussions

Understand the impact of passive income on active business income and the repercussions on small business deductions available to CCPCs

Focus on solutions

Become familiar with different strategies to minimize the impact of passive investment income, such as the Corporate Income Tax Optimizer (CITO)

Earn 1 CE credit

To get the CE credit, you must attend at least 95% of the webinar and obtain a result of 70% or higher on the quiz.

Note: This training is pending approval. Once accreditation has been obtained, you'll receive an email and will be able to download your certificate.

Key speakers & guests

Mark Li
Joachim Tremblay

It’s not just a will – It’s an estate plan!

Be curious

Use a rigorous planning process to build and strengthen your client relationships.

Identify any concerns and why they matter

Make sure you ask the right questions so you can pinpoint any concerns connected to preparing an estate plan before they become a problem.

Focus on solutions

Offer your clients better insurance solutions with an approach that exceeds your knowledge of your clients. (KYC).

Earn 1 CE credit

To get the CE credit, you must attend at least 95% of the webinar and obtain a result of 70% or higher on the quiz. You can then download your certificate.

Key speakers & guests

Kathryn Bennett
Mark Li
Kelly Maidens