Last updated: October 2025
Other Legal Information
The information provided on this website is intended for general educational and informational purposes only and should not be interpreted as personalized financial, legal, or tax advice.
While every effort has been made to ensure accuracy, Insure With Q makes no representations or warranties regarding the completeness, reliability, or applicability of any content provided.
Disclaimer
1. Educational Nature of Content
All articles, guides, downloads, and resources available through Insure With Q are designed to help individuals better understand life insurance, living benefits, and personal finance topics.
They are not a substitute for professional advice tailored to your personal situation, financial goals, or province of residence.
Before making any decisions about insurance or investments, you should consult directly with a licensed advisor or financial professional authorized in your province.
2. Licensing and Jurisdiction
Insure With Q operates as an independent life and health insurance practice licensed to conduct business in:
- Alberta (Alberta Insurance Council – AIC)
- British Columbia (Insurance Council of British Columbia – ICBC)
- Saskatchewan (Insurance Council of Saskatchewan – ICS)
- Manitoba (Insurance Council of Manitoba – ICM)
All representatives are duly licensed and maintain active Errors & Omissions (E&O) insurance coverage.
Insurance products and services are available only in the provinces where Insure With Q and its advisors hold valid licenses.
If you reside outside these provinces, information on this website is provided for general educational purposes only and does not constitute a solicitation to sell insurance.
3. No Guarantee or Endorsement
References to insurance companies, carriers, or financial tools are provided strictly for educational or illustrative purposes.
Insure With Q does not endorse or guarantee the products or services of any third-party provider.
All insurance applications are subject to underwriting and approval by the respective carrier, and individual results or eligibility cannot be guaranteed.
4. Limitation of Liability
By using this website, you acknowledge and agree that Insure With Q, its representatives, and affiliates shall not be held liable for any loss, injury, or damages—direct or indirect—arising from your use or reliance on the information provided.
This includes, but is not limited to:
- Loss of data or income
- Financial or business loss
- Errors, omissions, or outdated information
- Third-party system or website failures
Use of this website is at your own discretion and risk.
5. No Client Relationship Created
Accessing this website, downloading materials, or submitting a contact form does not establish a client–advisor relationship.
A formal relationship begins only after you meet with a licensed representative, provide written consent, and complete all required documentation under provincial and federal law.
6. External Links and Third-Party Tools
This website may contain links or integrations with third-party services (e.g., scheduling platforms, analytics tools, or form processors).
Insure With Q is not responsible for the content, privacy, security, or accessibility practices of these third-party websites or tools and does not control how they handle user information.
We encourage all visitors to review the privacy and security policies of any linked sites before engaging with them.
7. Updates
This disclaimer may be updated periodically to reflect changes in operations, services, regulations, or jurisdictional licensing.
Any updates will take effect immediately upon posting to this page.
Licensing Information
Insure With Q operates as an independent life and health insurance practice in full compliance with Canadian federal and provincial laws.
We are authorized to provide life, health, and accident insurance products and advisory services in the jurisdictions stated below.
1. Current Licensing
All representatives of Insure With Q hold valid, active provincial licenses to conduct business in:
- Alberta – Licensed through the Alberta Insurance Council (AIC)
- British Columbia – Licensed through the Insurance Council of British Columbia (ICBC)
- Saskatchewan – Licensed through the Insurance Council of Saskatchewan (ICS)
- Manitoba – Licensed through the Insurance Council of Manitoba (ICM)
Each licensing body regulates the professional conduct, disclosure obligations, and continuing education requirements of life and health insurance agents operating within its province.
Insure With Q and its representatives comply with all licensing, ethical, and consumer protection standards set by these regulatory authorities.
2. Errors & Omissions (E&O) Insurance
All licensed representatives maintain active Errors & Omissions (E&O) insurance coverage as required by Canadian insurance regulators.
This coverage protects both clients and advisors by providing professional liability protection in the event of an error, omission, or negligence in the course of conducting business.
3. Compliance and Professional Standards
We operate under the ethical and professional guidelines established by:
- The Canadian Life and Health Insurance Association (CLHIA)
- The Alberta Insurance Act
- The Insurance Council of British Columbia Code of Conduct
- The Insurance Councils of Saskatchewan and Manitoba
- The Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation
We are committed to providing advice that aligns with each client’s needs, goals, and provincial regulations.
All recommendations are made with full disclosure of product features, costs, and licensing limitations.
4. Cross-Provincial Business
If you reside outside Alberta, British Columbia, Saskatchewan, or Manitoba, Insure With Q may provide educational information but cannot offer or solicit insurance services in your province unless and until the necessary licensing has been obtained.
Insurance products, availability, and regulations may vary between provinces.
Any recommendations will always comply with the laws and licensing requirements of the province in which the client resides.
5. Conduct and Ethics
Our licensed representatives adhere to strict professional ethics that include:
- Acting with honesty, integrity, and transparency
- Prioritizing client needs through a needs-based analysis
- Ensuring all product recommendations are suitable and compliant
- Maintaining ongoing education and regulatory awareness
Clients are encouraged to verify the licensing status of their advisor through the applicable provincial insurance council website at any time.
Accessibility Statement
At Insure With Q, accessibility and inclusion are core to how we serve people across Canada.
We are committed to ensuring that everyone—including individuals with disabilities—can access the information, tools, and services on our website and through our digital communications with ease, dignity, and independence.
1. Commitment to Accessibility
We follow the principles of the Accessible Canada Act (ACA) and the Web Content Accessibility Guidelines (WCAG 2.1 Level AA).
Our goal is to make every part of the Insure With Q experience accessible to visitors, clients, and team members in Alberta, British Columbia, Saskatchewan, and Manitoba—whether they engage online or by phone, email, or video meeting.
Accessibility is a continuous process. We regularly review our website, educational materials, and digital tools to identify and remove barriers wherever possible.
2. Accessible Design Features
To support accessibility, this website includes:
- Clear, consistent navigation and plain-language headings
- Adjustable text size through browser settings
- Alt-text descriptions for all meaningful images and graphics
- High-contrast colour combinations for readability
- Logical keyboard navigation and focus indicators
- Mobile-responsive layouts for all device types
- Screen-reader-friendly structure and semantic HTML
When accessibility limitations are identified, we prioritize corrections in upcoming updates.
3. Alternate Communication and Support
If you have difficulty accessing any part of our website or need materials in an alternate format, Insure With Q will make reasonable efforts to provide equivalent access.
Support may include:
- Phone or video call assistance to review information verbally
- Email delivery of written materials in accessible text formats (e.g., Word, RTF, or plain text)
- PDF versions compatible with screen-reader software
Requests can be made using the contact information below. We strive to respond within five business days.
4. Continuous Improvement
Accessibility is an evolving area of digital practice. Insure With Q reviews accessibility standards at least annually and whenever major website updates are introduced.
We consult available ACA and provincial guidelines to ensure our website remains inclusive and compliant.
Feedback from clients and visitors helps us identify areas to improve, and we welcome suggestions at any time.
5. Contact for Accessibility Feedback
If you encounter an accessibility barrier or wish to request an accommodation, please contact us using the form below.
Cookies & Tracking Policy
This Cookies & Tracking Policy explains how Insure With Q uses cookies and similar technologies to improve your browsing experience, analyze website performance, and deliver a secure and personalized user experience.
We follow the privacy requirements of the Personal Information Protection and Electronic Documents Act (PIPEDA) and relevant provincial privacy laws in Alberta, British Columbia, Saskatchewan, and Manitoba.
1. What Are Cookies?
Cookies are small text files placed on your device when you visit a website.
They allow a site to recognize your device, remember preferences, and collect limited technical data about how you interact with the site.
Cookies do not give us access to your computer or any personally identifiable information unless you have voluntarily provided that information.
2. Types of Cookies We Use
Insure With Q uses the following types of cookies to operate and improve the website:
Essential Cookies
These cookies are necessary for the website to function properly—for example, enabling secure login areas, protecting form submissions, and loading pages efficiently.
Performance & Analytics Cookies
Used to understand how visitors interact with our website (for instance, which pages are visited most frequently).
We use tools such as Google Analytics to collect anonymous, aggregated data that helps us improve usability, accessibility, and overall experience.
Functionality Cookies
These remember your preferences—such as language, form inputs, or device type—so the site can offer a consistent experience during future visits.
Third-Party or Embedded Cookies
Certain pages may include embedded content or forms from trusted providers such as Calendly, Tally, MailerLite, or Google.
These services may use their own cookies to support booking functionality, analytics, or spam protection.
You can review their individual privacy and cookie policies for more details.
3. How We Use Tracking Technologies
In addition to cookies, we may use pixel tags or similar technologies to measure engagement with emails, videos, or downloadable resources.
These technologies help us understand which content is most valuable to our visitors and allow us to improve future resources.
All data collected through tracking technologies is used in aggregate and never sold or shared for advertising purposes.
4. Managing Cookies
You can control or delete cookies through your browser settings. Most browsers allow you to:
- View what cookies are stored
- Delete existing cookies
- Block cookies from specific or all sites
- Receive notifications when cookies are placed
For detailed instructions, visit your browser’s help page (e.g., Chrome, Firefox, Safari, or Edge).
Please note that disabling cookies may affect certain functions, such as scheduling tools or login persistence.
5. Consent
By continuing to use our website, you consent to the placement of cookies and similar technologies as described in this policy.
You can withdraw or adjust your consent at any time by clearing your browser cookies or adjusting your browser settings.
Certain embedded tools may also include their own consent prompts; you are encouraged to review those options before interacting with external content.
6. Data Protection
All cookie-related data is processed in compliance with Canadian privacy law.
Analytics data is anonymized and stored on secure servers managed by reputable third-party providers that meet or exceed Canadian data-protection standards.
We do not collect or retain sensitive personal data through cookies.
7. Policy Updates
This Cookies & Tracking Policy may be updated periodically to reflect new technologies, service integrations, or legal requirements.
Updates will take effect immediately upon posting to this page, with the revised “Last updated” date shown above.
Contact Information
If you have questions about how cookies or tracking technologies are used, please contact us using the form below.
Consent for Forms
All forms on this website—including meeting requests, information sign-ups, and resource downloads—require express consent before submission.
This ensures transparency and compliance with Canada’s Anti-Spam Legislation (CASL) and the Personal Information Protection and Electronic Documents Act (PIPEDA), as well as applicable provincial privacy laws in Alberta, British Columbia, Saskatchewan, and Manitoba.
Your consent allows Insure With Q to contact you regarding relevant insurance, financial education, and service information while respecting your communication preferences.
1. Consent Statement
Each form contains the following required checkbox and statement:
“I consent to be contacted by Insure With Q by email, phone, or text message with information related to insurance, financial education, or available services. I understand that my consent can be withdrawn at any time.”
✅ This checkbox is mandatory — forms cannot be submitted without selecting it.
The language is designed to be clear, voluntary, and specific about how and why we may contact you.
2. Purpose of Consent
Your consent allows Insure With Q to:
- Respond to inquiries and schedule meetings
- Provide personalized insurance or financial education resources
- Share relevant updates, guides, or materials that may support your goals
- Send service reminders or follow-ups when appropriate
You will never be automatically subscribed to unrelated marketing lists or third-party communications.
3. Withdrawal of Consent
You may withdraw consent at any time using one of the following methods:
- Click “Unsubscribe” at the bottom of any email
- Reply “STOP” to any SMS message
- Email us directly with your request
We will promptly process all opt-out or withdrawal requests, typically within five business days, in accordance with CASL requirements.
Withdrawal of consent does not affect the legality of communications already sent prior to the request.
4. Recordkeeping and Privacy
All consent records are securely stored within our CRM or form-submission system for compliance verification.
We collect and retain only the information required to fulfill your request or maintain ongoing client service.
Personal data is handled in accordance with PIPEDA and applicable provincial privacy legislation.
5. Third-Party Platforms
Insure With Q uses trusted third-party tools (e.g., Tally, Calendly, MailerLite) to facilitate form submissions, bookings, and communication.
Each provider complies with its own privacy and data-protection obligations.
No third party may use your information for unrelated marketing or solicitation purposes.
6. Contact Information
If you have questions about your consent or communication preferences, please contact us using the form below.
Copyright
Copyright © 2025 Insure With Q. All rights reserved.
All text, graphics, logos, and other materials displayed on this website are the property of Insure With Q, unless otherwise stated.
Content may not be reproduced, distributed, or republished—whether digitally or in print—without prior written consent.
Unauthorized copying, framing, or redistribution of any content for commercial purposes is strictly prohibited.
Trademarks
The Insure With Q name, logo, and Trademark Shield emblem are trademarks owned by Insure With Q and protected under Canadian intellectual property law.
All other product and company names mentioned on this site may be trademarks of their respective owners.
Contact Information
If you have questions about copyright, content usage, or brand permissions, please contact us using the form below.
Contact Information
For questions, feedback, or concerns about our Privacy Policy, Terms Of Use or other website policies, please contact us.
Fill out the form below:
