Code of Conduct

A duty of easyLife Insurance Inc. is to comply with the insurance laws of every jurisdiction in which we are licensed as a Life or Accident and Sickness agency. It is not sufficient, however, for easyLife Insurance Inc. to observe merely the letter of the law; easyLife Insurance Inc. has important responsibilities to the policyholders and prospective purchasers whom we serve, and to the insurer whose insurance easyLife Insurance Inc. sells.

Easy Life Insurance Inc. shall place the interest of policy owners and prospective purchasers before themselves. It is self-evident that any practitioner should place clients’ interests first. This requires the highest level of integrity and performance on the part of easyLife Insurance Inc. In practical terms, this stipulates that easyLife Insurance must recommend with integrity, competency, and diligence, the amount and type of life insurance that is best for the purchaser’s circumstances. The commission to be obtained from the sale of insurance has absolutely no bearing upon the easyLife Insurance advice given to the policy owner or prospective purchaser. Full disclosure is made as applicable under appropriate regulation.

EasyLife Insurance Inc. shall, at its own cost and expense, adopt, implement and monitor any and all necessary or desirable measures to ensure complete and timely compliance with, and shall bear sole responsibility with respect to, any and all laws, statutes and regulations relating to, dealing or in connection with, money laundering including, without limitation, the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (Canada) as the same may be amended, supplemented or replaced from time to time, such measures including without limitation reporting required transactions to the Financial Transactions and Reports Analysis Centre of Canada («FINTRAC»), or any replacement organization or agency, keeping required reports, effecting required verifications of clients’ identity and generally, establishing clear policies and procedures, ensuring continuous communication, and as appropriate establishing management support and providing training to management, in each case by qualified persons.

EasyLife Insurance Inc. shall respect the confidence/privacy of the policy owners and prospective purchasers regarding their personal and business affairs. Consequently, if it appears to be in the interest of the policy owner or prospective purchaser for easyLife Insurance to discuss a policy owner’s or prospective purchaser’s affairs with any other person, an easyLife Insurance agent must first secure the policy owner or prospective purchaser’s written permission to do so.

EasyLife Insurance Inc. will comply with all provisions of the Personal Information Protection and Electronic Documents Act and all governmental rules and regulations in protecting the privacy and personal information of clients and other individuals.

Canada’s Anti-Spam Legislation (CASL) and Do Not Call Legislation (DNCL)

EasyLife Insurance Inc. is bound by and must follow the provisions of Canada’s Anti-Spam Legislation (CASL) and Do Not Call Legislation (DNCL), including CRTC guidelines.

EasyLife Insurance Inc. shall not make any false or misleading statement or representation in the course of selling or servicing life insurance.

EasyLife Insurance Inc. is obligated to disclose accurately and completely, all information required by a policy owner or prospective purchaser in order to determine the best course of action. EasyLife Insurance Inc. must act in a client’s best interest.

EasyLife Insurance Inc. is also obligated to disclose, accurately and completely, all information required by an insurer to enable a decision to be made regarding the issuance of a contract of life insurance. It is just as wrong for easyLife Insurance Inc. to omit essential information or to fail to correct a mistaken impression known to exist, as it is to give inaccurate or misleading information.

EasyLife Insurance Inc. shall not act in any way to defame any entity or individual, life insurance companies, their products or representatives.

No statement may be made, published, or circulated in any oral, written or printed statement which is knowingly or recklessly false regarding any insurer, its products, or its representations and which might reasonably injure the reputation or livelihood of any person engaged in the life insurance business.

In the event easyLife Insurance Inc. receives or becomes aware of a complaint about a life insurance product, sale, or service, easyLife Insurance Inc. shall immediately report the complaint to the Insurance Carrier detailing the complainant, the date of the complaint, the nature of the complaint, the action taken to satisfy the complaint, any regulatory action taken in response to the complaint, and essentially all relevant facts in relation to the complaint.