Program Policies

This page describes policies that apply to students pursuing the following courses in the Advanced CIP certificate program:

A300: Critical Thinking for Insurance Professionals
A310: Business Foundations for Insurance Professionals
A340: Applied Business Practices in Insurance

Note: The Advanced CIP program also includes a CIP elective. When pursuing a CIP elective, students are governed by the policies of the CIP program.

Course Registration

Course availability in a given term may be subject to demand, and registration opportunities for a specific course may be limited by the number of available spaces.

In addition, some courses have prerequisite requirements. Please see the Program Courses for further details about course prerequisites and recommended prior study.

Registration for a given term closes when classes are full or, at latest, two Fridays before the course begins. Late registrations are not accepted.

Course Cancellation

The Institute reserves the right to withdraw, limit, cancel, or adjust any course due to insufficient enrolment. When it is necessary to cancel or change a class, we will make every effort to contact registrants. It is the student’s responsibility to keep contact information up to date with the Insurance Institute of Canada.

If a course is cancelled, registered students may transfer to another course in the same program (if available and if space permits) or choose to receive a full refund for course fees paid.

Membership fees are non-refundable.

Textbook fees can be refunded if the book has not been received by the student at the time of cancellation, or if it is returned to the Institute in resalable condition (perfect and unmarked).


Withdrawal requests are accepted up to the end of the second week of the course (by the second Monday after the course start date).

Students who withdraw from a course will receive a refund of course tuition, minus any paid membership and a withdrawal fee of $50 plus GST or HST.

Materials fees for the original course will be refunded if the books are returned and arrive at the Insurance Institute in resalable condition (perfect and unmarked). All return shipping fees are the responsibility of the student.


Transfer requests are accepted up to the end of the second week of the course (by the second Monday after the course start date). All transfer requests are processed on a first-come, first-served basis and are subject to availability of space in the requested class/course.

When the above conditions are met, two types of transfer are possible:
1. Transfer to a different online class of the same course in the same term: available at no additional cost.

2. Transfer from one course to another (within the same program and the same term): a transfer fee of $50 plus GST or HST applies, along with payment for new course materials and any difference in course fees. Materials fees for the original course will be refunded if the books are returned and arrive at the Insurance Institute in resalable condition (perfect and unmarked). All return shipping fees are the responsibility of the student.

3.Transfer to the same course in the next session: a transfer fee of $50 plus GST or HST applies, along with payment for new course materials (if applicable) and any difference in course fees. This type of transfer is allowed only once. No withdrawal refund is available once a course registration has been transferred to a different session.

Registration in a course cannot be transferred to a course in a different program.

Academic Integrity and Student Conduct

All students in the Insurance Institute’s Advanced CIP program are expected to abide by the provisions in this section.


In your Advanced CIP courses, you will be in regular contact with other insurance professionals. From time to time, some students may use real-world examples in their course work and online discussions that could include details of the day-to-day operations of their employers. All such information must be kept strictly confidential. At the same time, you should respect the confidentiality of your own organization’s information and refrain from sharing anything you are not authorized to reveal.


Except where otherwise indicated, Advanced CIP course materials are copyright of The Insurance Institute of Canada. You may not disclose, reproduce, publish or transmit any part of the online or hard-copy course materials, in any form, by any means or for any purpose, without the express written permission of The Insurance Institute of Canada. Any violation of the above may result in disciplinary and/or legal action by the Insurance Institute.

You are also expected to similarly respect the copyright of other authors and publishers whose writing you read (whether in print or online) during your course.


Plagiarism occurs when one person uses the words or ideas of another person without giving proper credit to the source. When referencing an outside source or idea or using someone else’s words, you must include a citation to show the reader where the information can be found.

To avoid plagiarism, you must properly cite all information and concepts obtained from other sources (whether published or unpublished). Referencing the ideas of others to support a point is acceptable if the source of the information is properly cited.

Online Discussions

In the Advanced CIP courses, students are encouraged to discuss course content in online discussion boards. You are expected to adhere to the following guidelines when posting in the Advanced CIP discussion forums:
• You are expected to respect the principles of confidentiality and copyright and to avoid plagiarism in your postings.
• You are expected to treat other participants with courtesy and respect at all times.
• Posts that respectfully praise or criticize an idea are acceptable if they add to the discussion at hand.
• Personal attacks and inflammatory behaviour are not tolerated.
• Use of foul language and/or obscene images is not tolerated.
• The Advanced CIP course websites are to be used for academic purposes only.
• Public forum posts should be reserved for matters of interest to the general course community. Private discussions should be taken off-line.
• Threads or posts perceived to have been made with the intent of promoting a commercial endeavour will be deleted.
• Posting the same message repeatedly or posting an unsolicited commercial message, either to one or multiple topics or boards, is considered spam. Duplicate messages may be deleted or consolidated by Institute representatives, and posting privileges may be revoked.
• Responses to a particular thread should pertain to the discussion at hand. Posts on a new topic should be started in a new thread.
• Any messages posted in a discussion forum will remain available to other class participants for as long as that particular discussion board is accessible online. Please post carefully and with due consideration to the content of the post.

Violations and Penalties

Suspected violations of any of the above principles of academic integrity and student conduct should be brought to the attention of The Insurance Institute of Canada.

Suspected violations will be examined on a case-by-case basis. Anyone found to have violated one or more provisions will be subject to disciplinary action, which may include a grade penalty, course failure, academic suspension, or other disciplinary action. 


Evaluation is based on participation in online discussion, assignments, and a final assessment (a paper or larger assignment). The specific breakdown of grades for a given course is posted to the course website at the start of term.

Requests to defer graded coursework must be submitted to your course facilitator in advance.

There is no minimum grade required on any single evaluated component, but you must obtain a minimum of 60% in total to receive a passing grade for the course. The following grades are awarded for Advanced CIP courses (courses beginning with a code of the form A3xx).

Passing grades:
H = 80–100%
B = 75–79%
C = 65–74%
D = 60–64%

Failing grades:
X = 55–59%
Y = 40–54%
Z = 0–39%


During the course, you can view grades for specific components (discussion, assignments) by logging in to the course website. Final course grades can be obtained by logging in to your account on the Insurance Institute website.

There are no rewrites or continuing tuition options for Advanced CIP courses. Courses that are not completed successfully must be retaken in full.

Special Needs

The Insurance Institute strives to accommodate students with special needs who may require alternative arrangements to participate in its programs. In such cases, it is necessary to provide medical documentation, including an assessment of your ability to complete all course requirements, prior to your registration for a course.