DISCLOSURE & PRIVACY

 Kevin is licensed for Life and Health Insurance in Ontario. 

 We have access to the following companies’ products:

 Manulife Financial - Canada Life - IVARI - RBC Life Insurance Company - Blue Cross - Equitable Life - Empire Life - BMO Life - Foresters - Industrial Alliance - Sun Life - TD Insurance - TUGO In addition, we offer banking products from Manulife Bank Compensation.

Kevin will be paid by the company that offers the product you choose. With 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. We may also be eligible for additional compensation, such as bonuses and non-monetary benefits, such as travel incentives and may be entitled to participate in a Share Purchase Plan.  This compensation depends on various factors such as the volume or retention of business placed with a particular company during a given time period.

Conflict of Interest: 

 We take the potential of a conflict of interest very seriously. We will never

  prioritizes commissions or incentives over the best interests of the client. 

  Privacy commitment:

Protecting the privacy of your personal information is important to us and to the companies whose products and services we offer. We are committed to collecting, using and disclosing your personal information responsibly. 

We will create and maintain, or continue to maintain, a client file for you containing personal information such as: contact information, financial information, records of meetings and phone calls, general correspondence and any instructions given to me. This information will be used to assess your financial situation, offer products and services that may be of interest and benefit to you, and provide ongoing client service.

 Your personal information in your client file will be disclosed only to: 

 Our employees and persons authorized by us  - Companies we represent and their employees and agents, for the purpose of providing, or seeking to provide, financial products or services to you - Third party service providers selected and authorized by us; in some cases third party service providers may be located outside of Canada, and in those cases your personal information may be subject to the laws, including public authority access laws, of other countries - Persons or entities to which you have granted access - Persons or entities allowed access by law In accordance with applicable law and upon your request, we will provide you access to your personal information in your client file for your review. You have the right to request corrections to your personal information. 

Should you provide us, for your client file, any additional personal information (including but not limited to the items listed below), you specifically acknowledge you’re providing these items at your own risk. Of particular note, you release us and the companies we represent, and those acting on behalf of us or those companies, from any liability or responsibility in connection with these documents:

 Insurance policies - Copies of life insurance applications, in whole or in part, including medical and lifestyle information - Wills - Powers of attorney. You agree any such documents may be converted by us into another format, without the original being retained. 

Our privacy policies and procedures regarding the above are available from us at your request.