Insurance Inducement Disclosure Any non-insurance service described on this site is offered on its own stated terms. No such service is funded by, drawn from, added to, or provided as a rebate of any client's insurance premium. These services do not reduce, rebate, or vary the premium, terms, cost, coverage, or benefits of any insurance policy.
Appointing Harikaran Loganathan (LLQP #26250965) as Broker of Record transfers the servicing of a group benefits plan to HLVC; it is not the purchase, sale, replacement, or switching of an insurance contract or carrier. These services are not offered as an inducement to buy, replace, renew, or maintain any insurance product within the meaning of the insurance legislation of the applicable Canadian province (including, in Ontario, the Insurance Act and FSRA's Unfair or Deceptive Acts or Practices rule). Nothing here is insurance advice, a recommendation to buy or replace coverage, or a binding offer of insurance; all insurance-licensed (LLQP) activity is conducted under, and subject to, the requirements of FSRA and the applicable provincial insurance regulators of Canada.
