Legal Disclaimers

Links Disclaimer

When you access one of the links provided you will be leaving the website of Lifestyle Security By Design. Lifestyle Security By Design is not responsible for the information contained on any of these links.

Insurance Disclaimer

I, Daniel Hanzelka CFP, the Financial Planner with Lifestyle Security By Design am a life licensed agent in the province of Ontario. With this license I am able to offer the following insurance products: Life insurance, Disability Insurance, Critical Illness Insurance, Long Term Care Insurance, Travel Insurance, Health and Dental Insurance, and investments such as segregated funds. Insurance products are offered through IDC Financial which is a managing general agency (MGA) or Transamerica Life Toronto Brokerage. As an independent agent, I have access to companies such as Manulife, Canada Life, BMO Insurance, RBC Insurance, Unity Life, Desjardins Financial Security, Sun Life, Transamerica, Standard Life, Equitable Life, Empire Life, AXA Assurances just to mention a few. 

My relationship with each of the above mentioned companies and other companies contracted through IDC Financial or Transamerica Life Brokerage is such that no insurance company holds an interest in my business, nor do I hold any interest in any Insurance Company.

I take the potential of a conflict of interest seriously.  I will notify you if there is a conflict of interest which I become aware in regards to my recommendations to you.  My overall recommendations to you will take into consideration, and will be based on my analysis of your financial security needs.

If you choose to purchase a product through me, I will be paid a sales commission by the company that provides the product you purchase.  I may receive a service or renewal commission if you keep that product in force.  I may also be eligible for additional incentives, depending on various factors such as the volume or persistency of business I place with a particular company during a given period.

Should you require additional information about my qualifications or the nature of my business relationships, I would be pleased to assist you.

Insurance Quote Disclaimer

By requesting a quote you understand that this is not an insurance policy. Also it is not an offer of insurance. Additional information may be required in order for a complete quote to be provided. This quote request contains some information about coverage offered but it does not list all of the conditions and exclusions that apply to the described coverage. The exact wording of the insurance policy governs all situations. This quote request is only available to persons resident in the Province of Ontario. The products described are subject to change without notice at any time.