The MasterClass Series with Desjardins, which consists of interactive webinars led by insurance and financial planning professionals, is an opportunity to learn more, develop your skills and earn continuing education credits (CE credits).

By taking part in this webinar, you'll get to:

  • Add to your knowledge and connect with a community of advisors whose shared goal it is to provide tailored solutions to clients
  • Discuss the challenges currently impacting our industry and find out how Desjardins’ community of experts are addressing them
  • Discover how incorporating financial planning into your daily work can help strengthen your client relationships

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.


English webinar

Date: Tuesday, May 27
Time: 1 p.m. (ET)

Mandarin webinar

Date: Tuesday, May 28
Time: 1 p.m. (ET)

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

Missed a vodcast?

No worries! These webinar will be recorded. Playback will be available.