Conduct a structured needs analysis
IPD-101 · Version 1.1
Needs Based Advice Suitability and Product Fit
Turn client facts into a documented recommendation that fits needs, coverage gaps, affordability and foreseeable change.
120 minCertificate included
Learning outcomes
Conduct a structured needs analysis
Connect product features to documented client needs
Explain cost, limitations and trade-offs
Reassess suitability when facts or products change
Course journey
7 modules. One practical action plan.
- 117 min
Start with the client not the product
A recommendation is suitable only when it begins with the client’s objectives, risks, existing protection, financial capacity and time horizon.
- 217 min
From needs to product fit
Suitability requires a traceable connection between each important client need and the recommended coverage, term, limits, exclusions and flexibility.
- 317 min
Cost trade offs and comprehension
A client cannot make an informed choice without understanding premiums, coverage limits, exclusions, lapse risk and what happens when circumstances change.
- 417 min
Ongoing suitability and change
A recommendation can become unsuitable when family, business, income, property, beneficiary or risk information changes.
- 517 min
Applied decision practice
Apply Suitability to a complete client or file scenario before acting.
- 617 min
Documentation and escalation
Record the basis for Suitability, the uncertainty that remains and the person accountable for the next decision.
- 718 min
Practice transfer and review
Turn Suitability learning into a controlled practice change and a deliberate review point.
Regulatory positioning
Clear claims. No ambiguity.
Supplementary insurance professional-development content only. This course does not claim FSRA approval, RIBO accreditation, continuing-education credit, renewal credit or regulator-issued credit. Participants and firms remain responsible for determining whether the content is relevant and eligible, and for retaining any completion evidence required by their applicable rules and policies.
