I am an independent self-employed insurance and investment representative. I am licensed to sell insurance and investment products and services through Performance Financial Services Inc. This is an independent MGA brokerage, and part of the United MGA Group of Canada.
I am licensed to sell life insurance, living benefits, health insurance, mutual funds, labor-sponsored funds (such as Golden Opportunities Fund & Saskworks Venture Fund) & group products in both Saskatchewan & Alberta. Therefore, I have Dual Occupation status with regards to being an insurance broker & an investment representative.
Companies I am currently representing
I can offer certain individual insurance products from nearly every top company in North America, but namely:
- BMO Life Assurance Company
- Canada Life Insurance Company
- Desjardins Financial Security Assurance Company
- Empire Life Insurance Company
- Equitable Life Insurance Company
- Great West Life Insurance Company
- Industrial Alliance
- RBC Insurance Company
- Standard Life Assurance Company of Canada
- Manulife Insurance Company
- Unity Life Insurance Company
As well, I offer mutual fund investment products through Desjardins Financial Security Investments Inc.
Nature of Relationship with companies I can represent
No insurer holds an ownership interest in my business, nor do I hold any significant interest in any insurance company I represent. I am absolutely an independent advisor, finding solutions for my clients’ needs & goals with the best fit, most affordable product available.
COMPENSATION
If you choose to purchase a product through me, I will be paid by the company that offers that product. I am compensated by a sales commission for most products when underwritten or at time of sale. I may receive a renewal (or service) commission if you retain that policy with the company. For certain products I may receive a referral fee. I may also be eligible for additional compensation, such as bonuses and non-monetary benefits, such as travel incentives. This compensation depends on various factors such as the volume or retention of business I place with a particular company during a given time period.
Conflict of interest
I take the potential of a conflict of interest seriously. I will notify you if there is a conflict of interest of which I become aware in regards to my recommendation to you. My overall recommendation will take into consideration, and will be based on my analysis of your financial security needs.