Terms of Use 

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1. Acceptance of Terms By accessing and using this website (the "Site"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree with these Terms, please refrain from accessing or using the Site. The Terms apply to all users of the Site, regardless of the specific use made by the user.

2. Purpose and Scope This Site is intended to provide general information about the life insurance products and services offered by the company, including but not limited to term, whole, and permanent life insurance, critical illness, travel insurance, segregated funds, and annuities. The information provided on the Site should not be construed as financial, insurance, legal, accounting, or tax advice. To obtain detailed information about the products and services, users should schedule an appointment with a licensed agent, either virtually or face-to-face.

3. No Offer or Solicitation The information provided on the Site is for informational purposes only and does not constitute an offer to sell or a solicitation to buy any insurance product or service. Any purchase or enrollment in an insurance product or service shall be subject to the terms and conditions of the applicable agreement and the completion of the required application and underwriting process.

4. Appointment with Licensed Agent Users understand and agree that the purchase or enrollment in any insurance product or service requires consultation with a licensed agent. The licensed agent will provide professional advice based on the user's individual needs, circumstances, and objectives. The Site should not be used as a substitute for professional advice from a licensed agent.

5. Availability of Products and Services The products and services described on the Site are available only in jurisdictions where they may be lawfully offered for sale, and not all products and services are available in all geographic regions. All products and services are subject to the terms and conditions of any applicable agreements.

6. Copyright and Trademarks All content on the Site, including text, images, graphics, logos, and designs, is protected by copyright laws. No part of the Site's content may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any form or manner without the prior written permission of the copyright owner.

7. Limitation of Liability The Site is provided on an "as is" basis without any warranties or representations, express or implied. The company, its affiliates, officers, directors, employees, and agents shall not be liable for any damages, including direct, indirect, incidental, special, consequential, or punitive damages, arising out of or in connection with the use or inability to use the Site, or any errors, omissions, or inaccuracies in the information provided on the Site.

8. Governing Law These Terms and any use of the Site shall be governed by and construed in accordance with the laws of the Province in which the company operates and the federal laws of Canada applicable therein. Users hereby consent and submit to the exclusive jurisdiction of the courts of the Province in any action or proceeding related to these Terms or the use of the Site.

9. Changes to Terms The company reserves the right to modify or update these Terms at any time without prior notice. Users are responsible for regularly reviewing these Terms to ensure they are aware of any changes. Continued use of the Site following the posting of changes to the Terms constitutes acceptance of those changes.

10. Contact Information If you have any questions or concerns about these Terms or the use of the Site, please contact us using the information provided on the Site's "Contact Us" page.