Advisor Disclosure


Companies’ products made available

We have access to the following companies’ products;

  • Blue Cross
  • Industrial Alliance
  • BMO Insurance
  • ManuLife
  • Canada Life/ Great-West Life & London Life
  • Meridian
  • CPP
  • RBC Insurance
  • Desjardins
  • SSQ Financial
  • Empire
  • SSQ Life Insurance
  • Equitable
  • Sun Life
  • Excellence Life
  • Standard Life
  • Foresters



In addition, we offer Mortgage Referrals and Services through ManuLife Bank and London Life.

Nature of relationship with company(ies)

No insurer holds an ownership interest in our business, nor do we hold a significant interest in any insurance company.


We will be paid by the company that offers the product you choose.  We are compensated by a sales commission for most products at the time of sale and may receive a renewal (or service) commission.  For certain products, we may receive a referral fee.

We may be eligible for additional compensation, such as bonuses and non-monetary benefits, such as travel incentives and may be entitled to participate in a share purchase plan.  In respect of certain products, the commission may be different than the standard commission scale provided by the company providing the product.

Conflict of interest

We take the potential of a conflict of interest seriously.  We will notify you if there is a conflict in which we become aware in regards to our services.  Our services always take into consideration you financial needs.

J.R. Saint & Associates Insurance Agencies Ltd.
101-141 Catherine Street, Ottawa, ON  K2P 1C3


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