To our Valued Clients and Prospective Clients:

Agents/brokers in the life insurance and group health benefits industry in Canada are compensated by commissions, bonuses and other inducements from Insurance Companies and other providers. Companies may offer specific incentives for a limited number of agents/brokers in recognition of sales made over a specified period. Incentive-based compensation is an Industry wide practice. We are licenced in the provinces of Ontario, Alberta, and British Columbia.

As independent brokers, we are bound by the laws governing life insurance agents in each respective province. Any product we recommend will be the one we deem to be best suited to meet your needs, without regard to compensation practices of any one company. If you purchase insurance, we will be paid a commission by the insuring company and may be eligible for other forms of compensation. Our role is to provide you with financial and policy advice, work on your behalf as your intermediary, advocate with the insurance company and resolve any questions you have while you hold that policy.

When you buy a product from any company listed below, we may place this business through a Managing General Agent (MGA): Financial Horizons (individual insurance) or GroupQuest Benefits Resources Inc. (group insurance). The MGA is compensated by the insurer. An MGA offers services to agents/brokers and insurance companies by assisting with marketing, compliance and administration and does not provide financial or policy advice to consumers.

We are authorized to sell products from the following companies:

Associum  Assumption Life  Benecaid Beneplan  BBD (Benefits By Design) 
Benefits Trust Best Doctors BMO Insurance Canada Life (Great West) CPP (Canada Protection Plan)
CHUBB Insurance CI Investments ClaimSecure Cooperators  Desjardins
Empire Life Equitable Life Foresters Financial GMS GreenShield Canada 
GroupSource Humania HumanaCare Industrial Alliance Ingle International
Ivari Jungo HR La Capitale Lifeworks(Morneau) Manulife Bank
Manulife Financial Medavie Blue Cross MyHSA Ontario Blue Cross People Corporation
PPI Benefits Inc. RBC Insurance RWAM Group Inc. SSQ Financial Group Sun Life Financial
The Edge Benefits UL MutualWestern Financial Group Victor Insurance (Encon) Vumi Canada Inc. Wawanesa Insurance
Western Financial        

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        This disclosure is made in accordance with Ontario Regulation 347/04, under the Insurance Act. For more information, please do not hesitate to contact us.