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disclosure

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									Fok’s Financial Services O/B 1216251 Ontario Inc.
(a.k.a. 1216251 Ontario Inc., o/a Fok's Insurance Agency)



Re: Disclosure regarding our Sale of Travel, Medical & Hospital Insurance
Our role is to provide clients with the best insurance value that combines coverage, service, and price.
We also provide personalized, quality service that includes professional insurance advice, ongoing
policy maintenance and claims support. When any issue arises regarding clients’ insurance coverage,
we are their advocate, using our professional experience to best represent their individual interest.

Policyholders and insured persons are hereby notified and advised that:

      We, Fok’s Financial Services O/B 1216251 Ontario Inc. (a.k.a. 1216251 Ontario Inc. o/a Fok's
       Insurance Agency), are independent brokers licensed in Ontario to sell individual travel,
       medical & hospital insurance.
      We are contracted with two principals, 21st Century Travel Insurance Ltd. and TIC Travel
       Insurance Coordinators, to market their travel, medical & hospital insurance products.
      No insurance company has share ownership, shareholder’s agreement with our company.
      We do not have a loan, credit facility or other financial relationship, direct or indirect, with any
       insurer.
      We do not have any financial link with insurers that can be considered as conflict of interest.
      We are compensated by the insurers with sales commissions on the insurance products that we
       sell. Besides the standard sales commission, we do not receive other compensation such as
       contingent commission or sales incentives from the principals.

								
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