Group - Legal Disclaimer TOLCO Financial $trategies   Legal Disclaimer... Mike Toller is licensed for the sale of Life Insurance products as well as Disability Income products in the provinces of Alberta and British Columbia. As such, this communication does not constitute an offer or solicitation by anyone in any jurisdiction in which such an offer or solicitation is not authorized or to any person to whom it is unlawful to make such an offer or solicitation. Prospective clients who are not resident in Canada should consult with their financial planners to determine if these products may be lawfully sold in their jurisdiction. Commissions, trailing commissions, management fees and expenses may all be associated with investment products and insurance products. TOLCO Financial $trategies and its members will not be held liable for any inaccuracies in the information presented in any linked site to this website. The contents of this website are for information purposes only. Under no circumstances should the contents of this website be considered “advice” and relied upon as a substitute for consultation with a financial or tax advisor. The advice of our members often relates to legal, accounting or tax matters. This advice SHALL NOT BE CONSIDERED definitive in those areas. You should always consult your other professional advisors in matters that relate directly to their areas of practice. The information in this communication is subject to change without notice. Disclosure... When a consumer is considering the purchase of a life or health insurance product, it is important they have a complete understanding of the product, how it meets their needs, the company offering the product, the advisor and the advisor’s business relationships. In keeping with this, the following information will assist you in making well informed and sound decisions and will provide insight into my relationship with the life insurance carriers and how I am compensated. As an independent life insurance broker I represent a number of insurers in searching out the best products and services to meet the individual needs of my clients. I am registered as a life and health insurance agent in the provinces of Alberta and British Columbia. I place the majority of my business through: Canada Life, Great West Life, Manulife, RBC Insurance, and Sun Life. A full listing of the insurers where I hold active contracts can be obtained upon request. If you choose to purchase an insurance product or service through me, I will receive remuneration from the company that offers the product. I am compensated by a sales commission and bonus at the time of sale or settlement and may receive ongoing renewal (for service) fees if your policy remains in force. I may also be eligible for additional compensation, such as bonuses, non-monetary benefits and travel incentives, depending on various factors such as the volume or persistency of business that I place with a particular company. It is important for you to know that my recommendations take into account careful assessment of your financial needs and are selected from a broad range of varying carriers. That is the only determining factor in selecting the insurance carrier. I no way does my remuneration affect my recommendations to you.