Reframe disability and critical illness insurance as autonomy preservation tools and close the Group Gap that leaves most professionals dangerously under protected.
In the course CVP® 3B: Living Benefits and The Autonomy Fund, we move beyond traditional methods of income replacement calculations to focus on a far more critical objective: preserving a client's independence and lifestyle choices during a health crisis. This module challenges the industry standard of framing disability coverage merely as a percentage of income, arguing instead for a values-based approach that protects a professional’s identity and dignity. Advisors will learn to shift the conversation from technical product specifications to a dialogue about maintaining control when health issues make life feel chaotic. The curriculum introduces the "Autonomy Fund," a strategic pool of capital designed to provide clients with the power to choose superior treatment options and maintain family stability without financial coercion. Through detailed case studies, participants will perform forensic gap analyses on standard group benefits, revealing how taxation and fixed expenses often create dangerous monthly deficits for high-income professionals. Additionally, the course addresses the unique legal landscape of Quebec, examining the "Mandat Gap" and the necessity of liquidity during the court homologation process. By the end of this course, advisors will be equipped to close the "Quiet Planning Gap" and document their recommendations with rigorous professional judgment. Key learning outcomes include: Reframing Disability Risk: Learn to distinguish between the "Clean Ending" of death and the "Messy Middle" of disability to help clients overcome psychological barriers to planning. The Group Gap Analysis: Master the math behind after-tax group benefits to expose the difference between a policy’s face value and the economic reality of a claim. Structuring the Autonomy Fund: Design personal coverage strategies that sit on top of group plans to create a tax-free surplus, ensuring clients can prioritize recovery over financial survival. Quebec Legal Considerations: Understand the Civil Code of Quebec articles 2166–2174 and how to calculate "Safe Anchor Depth" to bridge the liquidity gap during the mandate homologation period. Values-Based Compliance: Utilize the "Values-to-ITA Logic Map" to create a clear line of sight between a client’s emotional drivers, the technical solution, and the governing tax laws and regulations.
CVP® (Certified Values Planner) Designation
Canadian Values Planning Corporation Issuing Body – CVP® (Certified Values Planner) Designation Who We Are Canadian Values Planning Corporation (CVPC) is the governing body behind the CVP® Certified Values Planner designation, Canada’s first AI-native financial planning credential. CVPC was founded on the belief that the future of financial advisory belongs to professionals who can seamlessly blend values-based human guidance with the power of modern AI tools. Our mission is clear: equip Canadian financial advisors with the credentials, methodology, and technology they need to thrive in an AI-enhanced world where technology amplifies human wisdom rather than replaces it. Operating under the guiding philosophy “Beyond Numbers. Into Lives. ™ Powered by AI. Led by Humans.” CVPC is committed to elevating the standard of financial planning across Canada. The CVP® Designation The CVP® (Certified Values Planner) is a rigorous, four-course professional designation designed to transform how financial advisors discover, understand, and act on the values that drive their clients’ most important decisions. Built around CVPC’s proprietary VALUES Framework™, the program bridges behavioral science, advanced planning strategy, and AI-powered workflow design preparing advisors to become true behavioral consultants rather than transactional salespeople. The Four-Course Curriculum 1. Values Planning Methodology & the VALUES Framework™ Foundational principles of values-based discovery, behavioral consulting, and client engagement using the VALUES Framework™. 2. AI Tools Integration for Financial Advisors Practical application of AI tools in client discovery, planning workflows, documentation, and compliance applied ethically and effectively. 3. Insurance & Estate Planning Applications Advanced strategies in life insurance, corporate planning, shared ownership structures, and estate transfer integrated within a values-driven advisory context. 4. Canadian Regulatory Landscape & Compliance Current Canadian regulatory requirements, privacy law (PIPEDA/Bill C-27), AML compliance, and building defensible, audit-ready AI-assisted workflows. Earning the CVP® Designation Upon successful completion of all four courses, graduates are formally invited to become CVP® designation holders joining a growing community of forward-thinking Canadian advisors committed to values-based, AI-enhanced practice. CVP® holders receive the right to use the designation after their name, are recognized in the CVPC national registry, and gain access to ongoing professional development, resources, and the broader CVPC advisor network. Optional Software Access – CVPC Platform As an added benefit, all students enrolled in CVP® courses may request optional access to the CVPC advisor platform purpose-built software designed to support the VALUES Framework™ in real client engagements. The platform provides AI-assisted discovery tools, compliance-defensible documentation workflows, and planning support giving advisors a practical environment to apply what they learn immediately in their practice. Students who wish to access the platform must submit a request by emailing info@cvpc.ca. Additional information about the platform is available at cvpc.ca. Beyond Numbers. Into Lives.™ Powered by AI. Led by Humans. cvpc.ca | info@cvpc.ca | 1-833-597-2676 | Toronto, Ontario, Canada
