MASTER CLASS SERIES WITH DESJARDINS | JOIN THE WEBINAR: IT'S NOT JUST A WILL – IT'S AN ESTATE PLAN! |
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The Master class 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
Join our upcoming webinar: It’s not just a will – It’s an estate plan! to |
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| Be curious | Identify any concerns and why they matter | Focus on solutions |
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| Use a rigorous planning process to build and strengthen your client relationships. | Make sure you ask the right questions so you can pinpoint any concerns connected to preparing an estate plan before they become a problem. | Offer your clients better insurance solutions based on an approach that exceeds their knowledge (KYC). |
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Earn 1 continuing education credits (CE credits) |
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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. |
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Date: Tuesday, June 20, 2023
Time: 1 p.m. (ET) |
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This webinar will be recorded. Playback will be available. |
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VERIFYING A CLIENT'S IDENTITY: WHAT DOCUMENTS CAN WE ACCEPT? |
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Verifying your clients' identities during in-person or remote meetings is critical for preventing money laundering. You not only get to know your clients, you also get the information you need to determine their risk level. So be thorough! The following documents cannot be accepted for this kind of verification: - Health cards issued by the provinces of Manitoba, Ontario, Nova Scotia and Prince Edward Island, regardless of the Canadian province or territory where the insurance application was submitted.
- If you're using the dual-process method: Any document (bank statement, credit card statement, void cheque, etc.) issued by a Desjardins Group caisse, credit union or entity.
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 | Remember: You have to use the dual-process method if you meet clients remotely, but also in person, if they don't have recognized photo ID. |
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Dual‑process method: Procedure |
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Did you know? When you use the dual-process method to verify someone's identity, you must use recognized, authentic, valid and current pieces of ID issued by reliable sources in 2 out of 3 of the following categories: |
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| Document | Example |
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| Document with the person's name and address | - Recognized photo ID showing their name and address
- Recent utility bill (electricity, cable, internet, phone, heating, etc.)
| | Document with the person's name and date of birth | - Birth certificate
- Citizenship certificate
| | Document with the person's name that confirms they have a deposit account and a prepaid card or credit card with another financial institution | Credit card statement or loan statement issued by a financial institution other than Desjardins. | |
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Call our Client Relations Centre: 1‑800‑278‑0669 |
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TAX MEASURES | ADJUSTMENT OF TAX RATES FOR THE PROVINCE OF QUEBEC |
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In compliance with the Quebec budget presented last March by the Minister of Finance, Quebec withholding tax rates on lump-sum payments will be modified as of July 1, 2023. Payments from RRSPs, RRIFs (excess of minimum amount), RPPs (registered pension plan), DPSPs, RESPs (payment of accumulated income only) and RDSPs are covered. For more information, please read the tax news released by Revenu Québec: Source Deductions of Income Tax to Change on July 1, 2023. Also, Revenu Québec has published a new Source deduction table for Quebec income tax (TP-1015.TI) reflecting the general tax reduction for taxation year 2023. This new table will come into effect only on July 1, 2023, and will apply to periodic payments of RPPs. However, please note that these adjustments won’t be effective for annuities before January 2024 due to limitations of our administrative systems. For Guaranteed Investment Funds, the changes will be effective as of July 4, except for clients who requested net systematic withdrawals, for whom the tax rate will be modified within the year due to limitations of our administrative systems. |
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NEW SECTION | DEATH SETTLEMENT |
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To help you clearly identify the information you have to send to us to complete the death settlement process, a new Death settlement section has been added to the following procedure guides: It contains all the relevant information on the documentation required and the various settlement options available in the event of death. |
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Contact us Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company. Desjardins Insurance and its logo are trademarks of the Fédération des caisses Desjardins du Québec used under licence.
© 2023 Desjardins Financial Security Life Assurance Company (Desjardins Insurance). All Rights Reserved. |
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