Disclosure Notice

In accordance with provincial legislation, Kawkab Jamal & Associates Insurance Agencies Ltd. (“KJA”) declares that it will be paid commission by the insurer which issues you a life, health, segregated fund or other insurance product. The insurer may also provide KJA with benefits such as conventions, travel or other rewards. Additionally, KJA may provide incentives for referrals.

All KJA advisors are duly licensed in British Columbia and Ontario. KJA is affiliated with PPI Solutions, which is a Managing General Agency. That means it is an intermediary allowing brokers to supply clients with products from different insurance providers. Through this affiliation with PPI Solutions, KJA is able to offer clients insurance and investment products underwritten by Assumption Life. KJA also deals with the following providers of insurance and financial products: Green Shield Canada, Chubb Life Insurance Company of Canada, Allianz Global, and Shepell. No insurer holds an ownership interest in KJA; neither KJA nor any of its advisers holds a significant interest in any insurance company.

Any recommendation made by KJA will be appropriate for your circumstances, taking into account the features, price, underwriting expertise of the insurance product selected, and any other relevant factors.

Other than as disclosed here, there is no conflict of interest in regard to the sale of the product you are considering the overall recommendation of KJA’s individual agents is based on their analysis and assessment of your financial needs.

Should you require additional information about our agents’ qualifications or the nature of KJA’s business relationships, we would be pleased to answer any questions you have.

Privacy Statement

In accordance with privacy laws, KJA will only collect, use and disclose your personal information with your consent and for reasonable purposes which have been disclosed to you.

KJA collects personal information directly from you, from product and service arrangements you make with us, from insurance companies, credit bureaus and other financial institutions and any references you have provided to us.

We will only collect, use and disclose your personal information to:

  • Provide you with insurance and financial services
  • Better understand all your insurance needs
  • Develop, manage and deliver products and services to you
  • Determine your eligibility for different products and services
  • Ensure you receive a high standard of service
  • Meet regulatory and legal requirements
  • Verify your identity

We may share your information with insurance companies, credit bureaus, other financial institutions, and business partners, but only as needed to provide you with products and services you request.