| COMPANIES AND PRODUCTS MADE AVAILABLE |
I place insurance business through J.R. Saint & Associates Insurance Agencies Ltd, directly with the following companies:
| Canada Life |
I place insurance business through Natale Busa Financial Management Inc., with the following companies, through Financial Horizons Group, a Managing General Agency (MGA):
| B2B | BMO Life |
| Canada Life | Desjardins |
| Empire Life | Equitable Life |
| Industrial Alliance | Ivari |
| Manulife Financial / Standard Life | RBC Life Insurance Company |
| SSQ | SunLife |
| Blue Cross | Foresters |
In addition, I offer:
- certain banking products from Manulife Bank
- I refer mortgage needs to a mortgage specialist with Manulife Bank
NATURE OF RELATIONSHIP WITH COMPANY (IES)
I do not hold any interest in any insurance company.
Natale Busa Financial Management Inc. and J.R. Saint & Associates Insurance Agencies Ltd will be paid by the company that offers the product you choose. Natale Busa Financial Management Inc. and J.R. Saint & Associates Insurance Agencies Ltd are compensated by a sales commission for most products at the time of sale, and may receive a renewal (or service) commission if you retain that product with the company. For certain products, Natale Busa Financial Management Inc. and J.R. Saint & Associates Insurance Agencies Ltd may receive a referral fee.
In respect of certain products, the commission may be different than the standard commission scale provided by the company providing the product. Additional compensation and other benefits such as bonuses and professional conferences may be received based on sales reaching a certain level. I may also be entitled to participate in a share purchase plan.
For business placed through an MGA, compensation may be received from both the insurer and the MGA. MGAs may also provide additional benefits including professional conferences and related travel expenses.
I am compensated by Natale Busa Financial Management Inc. and J.R. Saint & Associates Insurance Agencies Ltd
Privacy commitment and your client file
Protecting the privacy of your personal information is important to me and to the companies whose products and
services I offer. I’m committed to collecting, using and disclosing your personal information responsibly.
I’ll 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:
- My employees and persons authorized by me
- Companies I 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 me; 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, I 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 me, 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 me and the companies I represent, and those acting on behalf of me or those companies, from any liability or
responsibility in connection with these documents: - Insurance policies
- Copies of life insurance and investment applications, in whole or in part, including medical and lifestyle
information - Copies of your photo ID and banking information
- Wills and Powers of Attorney
- Income tax information including notice of assessments and reassessments
You agree any such documents may be converted by me into another format, without the original being retained.
My privacy policies and procedures regarding the above are available from me at your request.