Disclosure Statement
Michael Haywood & Associates Ltd. represents the following insurers to market their products which include life insurance, disability insurance, group insurance and segregated funds:
Sun Life, Manulife Financial, Canada Life, Industrial Alliance Pacific, Empire Life, RBC Insurance, Standard Life, Equitable Life, Desjardin’s Financial Security, Unity Life, AXA, Assumption Life, BBD, Olympia Trust Company, and Wawanesa Life.
No insurance company holds an ownership interest in Michael Haywood & Associates Ltd., nor does Michael Haywood & Associates Ltd. hold an interest in any insurance company.
If you choose to purchase a product from our company, Michael Haywood & Associates Ltd. will be paid a sales commission by the company that provides the product you purchase. Michael Haywood & Associates Ltd. may also receive a renewal, or service, commission if you keep that policy in force. Michael Haywood & Associates Ltd. may also be eligible for additional compensation, such as bonuses, or non-monetary benefits, such as travel incentives, depending on various factors such as the volume or persistency of business that is placed with a particular company during any given time period.
We at Michael Haywood & Associates Ltd. take the potential of a conflict of interest seriously. We will notify you if there is a conflict of interest which we become aware of in regards to our recommendations to you. Our overall recommendation will be based solely on our analysis of your financial security needs.
Our clients should educate themselves regarding security references in this internet website to third party goods or services. These should not be regarded as an endorsement of these goods or services. By accessing any of the links provided you will be leaving the Michael Haywood & Associates Ltd. website. Michael Haywood & Associates Ltd. is not responsible for the information contained on these websites.
This web site is intended for Canadian residents only and the information contained herein is subject to change without notice. The owner and publisher of this internet website are not liable for any inaccuracies in the information provided. The information contained on this internet website is for general information purposes only and is the opinion of the owner and writers. This information is not intended to provide specific personalized advice including, without limitation, investment, financial, legal, accounting or tax advice. However, please call Michael Haywood & Associates Ltd. to discuss your particular circumstances.