DISCLOSURE STATEMENT

Companies I/We Represent

Either directly with the financial institution, or through our MGA, Financial Horizons Group, I/We can represent a number of Life Insurance companies and other financial institutions, and can offer the following products:

Universal Life:

BMO Insurance, Canada Life, Desjardins, Empire Life, Equitable Life, Great- West Life, Foresters, Industrial Alliance, La Capitale, Manulife Financial, SSQ Financial Group, Sun Life, Transamerica Life, UL Mutual

Term Coverage:

BMO Insurance, Canada Life, Desjardins, Empire Life, Equitable Life, Great-West Life, Foresters, IA Excellence, Industrial Life, La Capitale, LS Mutual, Manulife Financial, RBC Insurance, SSQ Financial Group, Sun Life, Transamerica Life, UL Mutual

Whole Life Products:

Assumption, Canada Life, Desjardins, Empire Life, Equitable Life, Foresters, Industrial Alliance, La Capitale, Manulife Financial, Sun Life, UL Mutual

Critical Illness Plans:

BMO Insurance, Blue Cross, Canada Life, Desjardins, Empire Life, Equitable Life, Great-West Life, Foresters, Industrial Alliance, La Capitale, LS Mutual, Manulife Financial, SSQ Financial Group, Sun Life, Transamerica Life, UL Mutual

Disability Coverage:

Blue Cross, Canada Life, Desjardins, IA Excellence, LS Mutual, Great-West Life, Manulife Financial, PennCorp, RBC Insurance/Edge Benefits

Long Term Care:

Blue Cross, Desjardins, La Capitale, Manulife Financial, Sun Life

Individual Health:

Blue Cross, Desjardins Solo, Illness Protection.com, La Capitale, Manulife Financial

Group Benefits:

Great-West Life, Manulife Financial, Assumption Life

Guaranteed Issue Plans:

Canada Protection Plan, Assumption, Blue Cross, Foresters, IA Excellence, La Captiale, Industrial Alliance

Money Products/Segregated Funds:

Canada Life, Desjardins, Empire Life, Equitable Life, Great-West Life, Industrial Alliance, Manulife Financial, Standard Life, Sun Life/ CI SunWise, Transamerica Life, Assumption Life, HighView Financial Group, La Capitale, RBC Insurance, SSQ Financial Group

Bank Products/Mortgage Products:

Offered through Manulife Bank

R.E.S.P.'s:

Industrial Alliance (Segregated Funds & GICs)

Travel Insurance:

Blue Cross, Group Medical Services, Manulife Financial, PD Admin Group, TIC Travel, Tour + Med Travel, Travel Underwriters

Relationship with companies we represent

No insurance company holds an ownership interest in our business, nor do we hold an interest in any insurance company.

Compensation:

If you choose to purchase a product through us, we will be paid a sales commission by the company that provides the product you purchase.

We may receive a renewal (or service) commission if you keep that policy in force.

We may also be eligible for additional compensation, such as bonuses, or non-monetary benefits, such as travel incentives, depending on various factors such as the volume or persistency of business that we place with a particular company during a given time period.

Errors & Omission Insurance

Our practice carries Errors & Omission insurance to insure that you are protected against an error or oversight by either ourselves and/or our staff and/or other producers of our practice.

Conflict of Interest:

We take the potential of a conflict of interest seriously. We will notify you if there is a conflict of interest of which we become aware of in regards to our recommendations to you. Our overall recommendation will take into consideration, and will be based on our analysis of your financial security needs.

More information

Should you require additional information about our qualifications or the nature of our business relationships, we would be pleased to assist you. Contact Us.