BUSINESS ACTIVITY DISCLOSURE

Client Record and Personal Information

Please be advised that as a life insurance agency we are obliged to disclose, in writing, any potential conflicts of interest to my clients. As such, please carefully read the information below.

We are licensed for life insurance and health insurance in Ontario. Life Insurance includes term and permanent types of coverage. Health insurance may include long-term disability, critical illness, longterm care and medical/dental plans.

Additionally, we are able to help clients with insured income and investment types of plans such as annuities and segregated funds.

We are also licensed/registered in the following fields:

  • Segregated Funds
  • Critical Illness Insurance
  • Travel Insurance

For insurance products, we place business through Carte Financial Securities-Canadian Partners Financial Limited.

Companies We Represent

  • Forester’s Life Insurance (77333)
  • Canada Life (E2757)
  • SSQ Life Insurance (111129)
  • Specialty Life Insurance (36233)
  • Manulife Insurance (652701)

Relationships with Companies we Represent

As an Independent Financial Advisor, no insurer holds an ownership interest in me nor do I hold a significant interest in any insurance company.

Compensation

We are compensated by a sales commission on policies we sell and we may also receive a renewal (or service) commission on policies that remain active. Commissions are paid by the company that provides the product you purchased. For certain products, the commission may be different than the standard commission scale provided by the company providing the product. We will advise you if this occurs. Any future increases in the commission scale will require your written approval.
If our sales reach a certain level, we may be eligible for additional compensation, such as bonuses and other benefits, such as conferences. This compensation depends on various factors such as the volume or retention of business we place with a particular company during a given time period.
Recognition/incentivebased compensation is an industry wide practice and is a standard form of payment.
As an Independent Financial Advisor, we are bound by the laws governing life insurance agents in Ontario. This means that any insurance product(s) I recommend will be the product(s) I consider to best suit your needs, regardless of the compensation.

Conflicts of Interest

We take the potential of conflicts of interest very seriously. If a potential conflict should arise, we will inform you of said potential conflict in writing.

More Information

If you need more information about my qualifications or my business relationships, contact us. We would be happy to help.