Regulatory Disclosures & Licensing Information

Wealth Rx by Jan & Nolibelle Tejano is a trade name used by independent licensed life insurance brokers operating in Canada. We are not employees of any insurance carrier, and we are not a registered investment dealer, financial planner, tax advisor, or legal professional.

We are contracted as independent brokers under Greatway Financial Inc., a licensed Managing General Agent (MGA) in Canada. Our MGA relationship grants us access to products from multiple insurance carriers; however, it does not create an obligation to recommend products from any specific carrier. We remain independent in our recommendations and act in the best interests of our clients at all times.

We are compensated by insurance carriers through commissions when an insurance policy is issued and remains in force. We do not charge fees directly to clients for consultations, advice, or the placement of insurance products. Our compensation is paid solely by the carrier whose product you purchase.

In Ontario, and as required under Ontario Regulation 347/04 (Life Insurance and Accident and Sickness Insurance Agents), we are required to disclose that we receive commissions from insurers, which may vary by product type and carrier. In some cases, we may receive additional compensation in the form of bonuses, service fees, or other incentives from carriers based on sales volume or policy persistency. We will disclose any material conflicts of interest upon request.

We maintain Errors & Omissions (E&O) insurance coverage as required by applicable provincial insurance regulations. E&O insurance provides protection in the event of an error or omission in the professional services we deliver to clients.

Our E&O coverage is maintained through our contracted MGA, Greatway Financial Inc. Details of our E&O coverage — including the name of the insurer and the coverage limits — are available to clients upon request. We are committed to maintaining adequate professional liability protection at all times.

In accordance with CLHIA Guideline G8 — Needs-Based Sales Practices, we are committed to recommending only those insurance products that are suitable for your individual needs, financial situation, health status, and long-term goals.

Before making any recommendation, we conduct a thorough needs analysis to assess your coverage requirements and financial objectives. We will clearly explain the features, benefits, limitations, and costs of any product we recommend. You have the right to ask questions and receive clear, honest, and complete answers. We will not pressure you to purchase any product, and we will never recommend a product that is not appropriate for your specific circumstances.

We collect and use personal information in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation. Personal information collected may include your name, contact details, date of birth, health information, and financial information, as necessary to provide insurance brokerage services and fulfill our regulatory obligations.

We will not sell, rent, or otherwise disclose your personal information to third parties except as required to place insurance coverage, as required by applicable law, or with your explicit written consent. You have the right to access, correct, or request the deletion of your personal information held by us. For all privacy inquiries, please contact us at hello@wealthrx.ca.

In accordance with CLHIA Guideline G6 — Policy Illustrations, any illustrations provided to you in connection with permanent life insurance or other insurance products are based on actuarial and financial assumptions that are not guaranteed. Illustrations may include non-guaranteed elements such as dividend scales, credited interest rates, or participation rates, which are subject to change.

Actual policy values, premiums, and benefits may differ materially from those illustrated. You should not rely solely on an illustration when making a purchasing decision. We encourage you to review the full policy contract, ask questions about any illustration provided, and consider how the product performs under both guaranteed and non-guaranteed scenarios.