I believe clients should understand who they are working with, what services I can provide and how I am compensated.

The following information is provided to help you make an informed decision when working with me.

About Me

Navdeep Virk

I provide financial education and guidance and, where appropriately licensed and authorized, access to insurance and related financial products.

My ability to recommend or arrange a particular product depends on the licences, appointments and authorizations I hold in the province where the client resides.

Licensing

I am currently licensed for life insurance and/or accident and sickness insurance in:

Alberta, British Columbia, Manitoba, Saskatchewan, Nova Scotia, New Brunswick and Ontario.

Licensing status and product availability may change from time to time.

If you live outside a jurisdiction in which I am appropriately licensed, I will not represent that I can provide regulated services to you.

Managing General Agency / Business Relationship

I conduct my insurance-related business through:

Experior Financial Group Inc.

Experior Financial Group Inc. acts as a Managing General Agency (MGA) through which insurance business may be processed.

I am an independent licensed insurance advisor and am not an employee of the insurance companies whose products I may recommend.

Insurance Company Relationships

Through Experior Financial Group Inc., and subject to my licensing, contracting, product availability and the client’s province of residence, I may have access to insurance products from multiple providers.

My current advisor disclosure identifies relationships with companies including:

Allianz, Assumption Life, Beneva, Blue Cross, Desjardins, Edge Benefits, Empire Life, Foresters Financial, Humania, iA Financial Group / Industrial Alliance, ivari, Manulife, Serenia Life and Travelance.

Experior may maintain relationships with additional insurance and financial product providers. This does not necessarily mean that I personally hold a contract with, or can offer every product from, every company associated with Experior.

Company and product availability may vary based on province, licensing, contracting, product type and client eligibility.

If you would like to know whether I currently have access to a specific company or product, please ask me directly.

How I Am Compensated

When an insurance product is placed through me, I may receive compensation from the insurance company that provides the product.

Compensation may include commissions based on the type of product and premium paid, as well as renewal or servicing compensation where applicable.

Depending on the applicable arrangements, I may also qualify for other compensation or non-monetary benefits such as bonuses, conferences, recognition programs or incentives.

Some commissions may be subject to a chargeback if a policy is cancelled within a specified period.

Conflicts of Interest

I am expected to make recommendations based on the client’s needs and circumstances.

I do not have an ownership or controlling interest in the insurance companies whose products I may recommend.

I am not required to favour one insurance company over another.

If an actual or potential conflict of interest exists that could reasonably affect a recommendation, it will be disclosed as required.

My recommendations are intended to be based on your needs and circumstances rather than the compensation associated with a particular product.

Scope of Services

The information and services I provide are limited to areas in which I am appropriately licensed, contracted or otherwise authorized.

I do not represent myself as being licensed to provide a product or regulated service outside that scope.

Where appropriate, you may be encouraged to speak with another qualified professional for services such as legal advice, tax advice, accounting, mortgage advice or services requiring a different professional registration.

Client Needs & Recommendations

Before recommending an insurance product, relevant information about your financial needs, goals, circumstances and existing coverage will be considered.

Recommendations are subject to applicable needs-analysis, suitability, insurer, underwriting and regulatory requirements.

A recommendation made for one client may not be appropriate for another client.

Client Information & Privacy

In the course of providing services, I may collect personal, financial and other information necessary to understand your needs, prepare recommendations, complete applications and service your business.

Where required, information may be shared with Experior Financial Group Inc., applicable insurance companies and authorized third-party service providers involved in processing or administering your application or policy.

Personal information is handled in accordance with applicable privacy requirements and the disclosures provided during the client process.

Written Client Disclosure

This website disclosure is intended to provide general transparency about my licensing, business relationships and compensation.

It does not replace any Associate Disclosure Form, advisor disclosure, product disclosure, needs analysis, replacement disclosure, conflict-of-interest disclosure, privacy consent or other documentation that may be required during an actual client transaction.

Required disclosures and documentation will be provided through the appropriate client process.

Questions About My Licensing

You are welcome to ask about:

• My current licences
• The insurance companies I work with
• The types of products I can offer
• How I am compensated
• Any potential conflicts of interest

Navdeep Virk

Email: navkaurvirk05@gmail.com