Will I have to undergo medicals to apply for insurance?
Depending on the insurance company, type of insurance and coverage amount, you may be required to meet with a health care professional at the expense of the insurance company. It may be to simply meet with a registered nurse who will fill out a health questionnaire with you, or possibly other medicals will be required such as a blood sample, urine sample or other tests. Your financial security advisor will be able to tell you what is required.
How can I prepare for my medicals?
Please review the medical preparation pamphlet provided by one of our main paramedical companies for information on how to prepare for your medicals.
Do you charge fees for your services?
We do not charge fees for our services; we are remunerated directly from the insurance company once you purchase a product through us.
Please see our advisor disclosure letter for more details.
Who do you represent?
As a broker, we are able to shop the markets for you. We have contracts with many companies such as Manulife Financial, BMO Insurance, Canada Life, Desjardins Financial Security, Empire Life, Great West, Industrial Alliance, RBC, Transamerica, SunLife, Standard Life, MRS inc., Acuity Funds, BMO Guardian, Dynamic Mutual Funds among others.
What products are you licensed to sell?
We invite you to view Philippe Labrecque's advisor disclosure letter and Timothy Landry's advisor disclosure letter which will provide you with a list of companies and products they are licensed to sell.
How can I find out if you are legally licensed and have the proper credentials?
Philippe Labrecque’s certificate number #117852 and Timothy Landry's #119009 are up to date with l'Autorité des marchés financiers (AMF) - the governing body that monitors all financial advisors in
Philippe Labrecque's license number #11118540 with the Financial Services Commission of Ontario can be verified on their website http://fsco.gov.on.ca
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