Build your advisory practice with more around it.
Insurance products are distributed through IDC Worldsource Insurance Network Inc. Clearstone adds practice technology, brand and marketing resources, client-experience infrastructure, mortgage capability, professional relationships and practice development around the work you are authorized to lead.
The first boundary
The Clearstone practice layer does not replace responsibilities that remain with IDC WIN, an insurer or another applicable provider.
Three roles.
One clear picture.
Each professional remains accountable for the work they are authorized to provide.
01
Your advisory role
You lead the work you are authorized to provide.
- Client-facing advisory / insurance engagement
- Discovery and needs-based fact gathering
- Recommendations and explanations within authorization
- Required documentation and disclosure
- Consent and professional accountability
02
Clearstone adds a practice layer
A separate layer built around your client-facing work.
- Advisor technology
- Brand & marketing
- Client-experience infrastructure
- Mortgage capability
- Professional relationships
- Practice development
03
IDC WIN / applicable provider responsibilities
Clearstone’s insurance distribution relationship includes IDC Worldsource Insurance Network Inc. Applicable managing general agency (MGA), insurer and provider responsibilities remain with the entities that hold them.
- Contracting / appointment where applicable
- Product administration and systems
- Provider records
- Compliance / monitoring responsibilities where assigned
- Compensation / service / complaints where assigned
Why IDC WIN is part of the foundation.
Clearstone does not need to recreate an MGA inside the practice.
Insurance & insurance-based solutions
Insurance products are distributed through IDC Worldsource Insurance Network Inc.
That is the distribution foundation.
Clearstone is what gets built around the practice.
What Clearstone puts around your practice.
IDC WIN and applicable providers handle their own part of the model. Clearstone adds another layer around the professional practice.
01Advisor technology
Clearstone can organize role-specific technology around the practice rather than leaving every surrounding tool to be assembled independently.
02Brand & marketing
Clearstone gives the practice a recognizable brand environment with approved marketing resources around it.
03Client-experience infrastructure
Clearstone can create a more coherent client-facing practice environment around the professional’s authorized work.
This does not make Clearstone the MGA, provider back office or system of record.
04Coordinated mortgage capability
Clearstone already has a separate mortgage capability for situations where a client’s need moves beyond the advisor’s own authorized role.
Separate role · separate authorization · client permission.
05Professional relationships
Clearstone’s professional relationships create a clearer path when real estate, accounting or legal questions intersect with a client’s financial picture.
06Practice development
Practice development forms part of the Clearstone proposition for professionals building inside the model.
Technology, marketing, client-experience, professional-relationship and practice-development specifics depend on the approved professional relationship and are discussed directly.
IDC WIN supports the distribution side of the practice. Clearstone builds the professional environment around it.
Already comparing practice models?
If you are comparing Clearstone with your current setup, we can walk through what would actually stay the same, what could change and which details need to be worked through directly.
Please do not include client names, account information, health information or documents.
Your authorized work stays distinct.
The Clearstone model is built around insurance and insurance-based advisory work, not a securities-dealer proposition.
Insurance
Insurance-based advisory work remains with appropriately authorized people and provider relationships.
Insurance-based investments
Clearstone’s public investment scope includes segregated funds, individual variable insurance contracts (IVICs) and insurance-based investment solutions.
Advisory work
Recommendations, explanation and documentation remain within the professional’s actual licences, contracts, competence and provider authority.
Clearstone does not deal in securities or mutual funds.
Compare the whole practice, not only the distribution relationship.
An MGA or provider comparison can focus on products, administration, tools and support. Building a practice raises another question: what brand, client experience, complementary capability and professional environment do you want around that relationship?
01
What sits around the provider relationship?
Is the professional assembling each surrounding practice layer independently, or working inside a defined environment?
02
What happens when a client need moves outside the advisory lane?
Is there an established, separately authorized mortgage / professional capability available when appropriate?
03
What experience are you actually building?
Is the decision only about product / distribution access, or also the brand and professional environment around the practice?
When a question crosses a boundary.
01
A client needs mortgage expertise.
The need falls outside the advisory professional’s own role. Clearstone’s separate mortgage channel may become relevant after role, authorization and client permission are clear.
02
You want a more coherent practice presence.
The question is no longer only which provider relationship you have. It is how brand, technology, client experience and practice resources fit together around the work.
03
A borrowing-to-invest question appears.
Some questions cross mortgage, insurance-based investment, risk and tax boundaries and require separately authorized roles.
What we discuss privately.
The public page explains the model. A direct conversation covers the exact relationship, eligibility, access, responsibilities and commercial terms.
01
Eligibility & title
Which licence, title, province and provider requirements apply.
02
Affiliation
The exact legal / commercial relationship with Clearstone and each relevant entity.
03
Technology & records
Access, permissions, data handling, systems and record responsibilities.
04
Brand & marketing
Trade-name use, approvals, assets and provider requirements.
05
Economics
Compensation, costs, commercial terms and any introduction / referral arrangement.
06
Practice rights
Any book, client, brand, data, portability, succession or ownership terms.
Build the practice with the right structure around it.
If the Clearstone model looks closer to the kind of insurance-based advisory practice you want to build, start with a direct conversation.
Please do not include client names, account information, health information or documents.