Privacy Policy

ADVISOR DISCLOSURE

  • Licensing

    Principal Broker, Karen Benjamin Francis, has been licensed as a Life and Accident & Sickness Insurance Broker in the province of Ontario, since 1996.  

  • Companies I Am Contracted With

    I currently hold broker contracts with following insurance companies: 

    • BMO Insurance  
    • Canada Life
    • Manulife Financial         
    • Foresters                 
    • Desjardins  
    • Edge Benefits  
    • Equitable Life     
    • Combined Insurance 
    • Industrial Alliance      
    • La Capital
    • Sun Life             
    • Ivari        
    • Assumption Life             
    • SSQ Financial
    • Ul Mutual

  • Relationship with Contracted Companies

    No insurance company holds an ownership interest in my business, nor do I hold an interest in any insurance company.

  • Compensation

    If you choose to purchase a financial product through me, I will be paid a sales commission from the company that provides the product.  I may also receive renewal (or service) commission if you are happy and keep your plans for years to come.  I 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 I place during a given time period.  For very few products such as Manulife One mortgages, I may receive a referral fee instead of commission.  I will inform you when this happens.  

  • Consultation Fee

    If you choose not to purchase a financial product through me, a base consultation fee of $250 Cdn will be charged for service and work performed, this includes product research and quote preparations.  

  • Conflict of Interest

     I take the potential of a conflict of interest seriously. I confirm that I have no conflict of interest. If I become aware of a potential conflict, I will tell you. 

  • More information

    Please contact me should you require additional information about my qualifications or the nature of my business.


  • My Contact Information:

    KAREN BENJAMIN FRANCIS 

    5705 Cancross Court, Suite 200 | Mississauga, ON | L5R 3E9 

    Phone: 905.509.8956 – Email: karen@lifelinecoverage.com 

PRIVACY STATEMENT

We take the utmost care with your private and confidential information.

At Lifeline Coverage we have always maintained the highest standards of confidentiality in dealing with client information. While this statement is a product of new Federal regulations, your information has always been secure with us.
  • Protection Accountability

    Lifeline Coverage is responsible for the private personal information we receive from our clients and we all abide by the principles of the Federal Personal Information Protection and Electronic Documents Act (PIPEDA) in safeguarding that information in hard copy and computer documents. Lifeline Coverage employees also understand and abide by these rules.

  • Collection Purpose

    Any and all personal, corporate, financial and related information is collected and kept solely for the purpose of providing the best possible advice we can and to ensure that any products or services you wish to purchase through us are done so quickly and correctly. Product purchases require that we confidentially convey your information to supplier companies though their wholesale organizations. We only collect and keep information that helps us formulate the best advice we can. This information may not be limited to financial information because there are many factors in our recommendations. With your consent, we may share this information with our associates to get you help in areas outside of our expertise.

  • Prior Consent

    The nature of our work means we must receive and retain a lot of personal information about our clients. Lifeline Coverage uses this information to make judgments about your situation and the best possible solutions to any problems you might have. If we don’t; we simply cannot make good recommendations. By being a client, you agree to give us this information and allow us to retain it in our paper and electronic files for as long as you wish us to be your advisors. You may withdraw your consent at any time but that will end our business relationship.

  • Canada's Anti-Spam Legislation (CASL)

    Canada’s anti-spam legislation came into effect on July 1, 2014. Under CASL, I require your consent to send you commercial electronic messages (CEMs), such as email, text message, instant message, or social media message.


    I may want to provide you with some product opportunities, industry updates and news, or invitations to events. These may benefit you or enhance your insurance and/or financial health. Should your email address change, your consent is still valid until you unsubscribe or notify me in writing that you no longer would like to receive CEMs.

  • Information Accuracy

    Accurate information means more accurate recommendations so it is critically important that we have accurate information. You are welcome to check that information anytime you wish. We will also update the information regularly to ensure we’re making decisions and recommendations about your situation based in the right information.

  • Safeguards

    All the written information we receive from you is either in secure filing cabinets or in password protected computer files. Any computer files stored off site are encrypted or locked. Old files that are discarded are shredded or otherwise completely destroyed. Lifeline Coverage staff understands that sensitivity of this information and the importance to protect it.

  • Questions or Concerns

    You may contact Lifeline Coverage at anytime by telephone, email or letter at the address shown on this page about your files with us and make whatever changes you desire. You may review the actual PIPEDA on the Internet at www.privcom.gc.ca. If you have any complaints about our procedures we will investigate and provide you with a response as soon as practical.