Benjamin Monroy is licensed as a life insurance agent in British Columbia and Ontario.
I offer personalized insurance advice to this site's visitors and clients by offering them digital tools and advice that can help assess their insurance needs, investment opportunities and suggest appropriate products.
What Services do I provide?
The Services I provide include:
Obtaining quotes – I provide you with insurance quotes for products issued by third-party insurance companies.
Comparing policies – I offer easy-to-use tools and summarized information to help you compare different policies and quotes from insurance companies.
Reviewing insurance needs – I include informational and computational tools that offer recommendations to help you assess your insurance needs.
Proprietary content (“Content”) – I offer easy-to-understand information material to disseminate knowledge and information about insurance products.
Buying insurance products – As an insurance broker, I facilitate the purchase of life and related insurance products for your insurance needs.
Savings and Investments - As an insurance agent, I provide advice about investment opportunities in TFSA, RRSP, RESP, FHSA and non-registered Investments.
Mortgage Advice - As a mortgage sub-broker in Ontario, I provide advice and offer mortgage products to clients.
Is my advice independent?
My advisory services are independent to support your decision-making. I seek to undertake an unbiased, objective analysis of various insurance products and/or insurance companies available to provide you with recommendations that meet your personalized insurance needs.
How do I make money?
The insurance company or banks will pay me a commission based on the premium that you are charged. I may also receive other performance-based compensation from insurance companies for our services. The premium you pay already includes the commission due to me; no additional payment is required on your part. Any other fees or charges that you may be required to pay (for e.g., policy administration fee) are determined by the insurance company and not me.
In what provinces can I offer my services?
British Columbia.
Ontario
You are obliged to provide full and accurate material circumstances about your risk, now and throughout the lifetime of your policy. A material circumstance is anything that may influence an insurance company’s assessment of your risk and should include certain medical and non-medical information that you have dealt with yourself with or without involving an Insurer. A material circumstance could include knowledge of your historical or anticipated changes to your tobacco usage, substance or drug abuse, driving history, medical condition, criminal convictions or any financial issues such a potential bankruptcies. If you are unsure as to whether a circumstance is material, we recommend that it be disclosed. Failure to disclose may entitle the Insurance companies to refuse to pay part or all of any subsequent claims.
COLLECTION OF INFORMATION
I will, from time to time, collect financial and other information on you. This information includes transaction-related details arising from your relationship with or through me. I may obtain this information from a variety of sources, including your own records with me, from transactions you have made with or through me, from credit reporting agencies and other financial institutions, and from references you have provided to me.
USE OF INFORMATION AND ACCESS TO INFORMATION
You authorize me and my distributor, Experior Financial Group Inc., to collect and maintain this information when you apply for an insurance product or service, and during the course of our relationship in order to administer the insurance product or service for which you have applied and to fulfill our legal and regulatory obligations. For these purposes, we will have to share your information with third party service, such as paramedical service providers, and insurers to whom you are applying for an insurance product or service. You have the right to obtain access to the information you hold about you on file at any time to review its content and accuracy and to have it amended as appropriate. To request access to your information, to ask questions about our privacy policies, or to request that the information not be shared or used for the purposes outlined above, you can now or anytime in the future contact us. If you are no longer our client or this agreement terminates, we may keep your information in our records so long as it is needed for the purposes described above or as long as it may be required by the law.
By submitting your contact information, you are consenting to be contacted by me or one of my representatives or team members by telephone, text message, email, fax, telephone or any means. We may use your e-mail address, phone number or other PII (a) to contact you for administrative purposes such as customer service, (b) to address intellectual property, right of privacy or defamation issues related to content you have posted on the Services, and/or (c) to send you promotional materials, offers, and/or messages related to our Services and the activities of third parties we work with.
To receive any commercial electronic message, which may include communications about regulatory changes, news, publications, education program, information and invitations to events that may be of interest to you. Should your email address change, this consent is still valid until you unsubscribe or otherwise notify us in writing to our address or by email that you no longer would like to receive CEM’s.
If at any time you would like to unsubscribe from receiving future marketing emails, please contact me at bmonroy@experiorfinancial.ca
Dated: 07 Jan 2022
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