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This document is intended to provide general information on a particular subject or subjects and is not an exhaustive treatment of such subject(s). Accordingly, the information in this document is not intended to constitute accounting, tax, legal, investment consulting, insurance, or other professional advice or services. Before making any decision or taking any action which might affect your personal finances or business, you should consult a qualified professional advisor.

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YOUR USE OF THIS DOCUMENT AND INFORMATION IS AT YOUR OWN RISK. YOU ASSUME FULL RESPONSIBILITY AND RISK OF LOSS RESULTING FROM THE USE OF THIS DOCUMENT OR INFORMATION. CHRIS YOUNG, GETCOVERED.CA, AND/OR WILL NOT BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES OR ANY OTHER DAMAGES WHATSOEVER, WHETHER IN AN ACTION OF CONTRACT, STATUTE, TORT (INCLUDING, WITHOUT LIMITATION, NEGLIGENCE) OR OTHERWISE, RELATING TO THE USE OF THIS WEB SITE OR INFORMATION CONTAINED HEREIN.

Christopher Young and Manulife Securities Insurance Inc. do not make any representation that the information in any linked site is accurate and will not accept any responsibility or liability for any inaccuracies in the information not maintained by them, such as linked sites. Any opinion or advice expressed in a linked site should not be construed as the opinion or advice of Christopher Young or Manulife Securities Insurance Inc. The information in this communication is subject to change without notice.

Insurance products and services are offered through Manulife Securities Insurance Inc. (a licensed life insurance agency and subsidiary of Manulife Financial) by Manulife Securities Insurance Incorporated Advisors licensed as life agents.

Life Insurance quotes are generated from Compulife Software Inc.

I, Christopher Young, am a Life Insurance Representative with Manulife Securities Insurance Incorporated. (Manulife Securities), and conduct business out of the office at 1410 - 5001 Yonge St. Toronto, Ontario M2N 6P6.

As an agent of Manulife Securities Insurance Inc. I also represent several life insurance companies with whom Manulife Securities Insurance Inc. has corporate life insurance sales contracts. At the present time, these life insurance companies include; i) AIG Life of Canada, ii) Canada Life Assurance Company, iii) Empire Life, iv) Equitable Life, v) Industrial Alliance Insurance Company, vi) Manulife Financial, vii) RBC Insurance, viii) Standard Life, ix) Transamerica Life Canada, x) Unity Life and xi) Western Life.

Relationship with life insurance companies we represent:
None of the above life insurance companies holds an ownership interest in my business or Manulife Securities Insurance Inc. nor do I or Manulife Securities Insurance Inc. hold any ownership interest in any the same life insurance companies.

Compensation:
If you chose to purchase a life insurance product with my assistance through Manulife Securities Insurance Inc. Manulife Securities Insurance Inc. and I will receive a sales commission that is paid by the life insurance company that provides the life insurance product you purchase. Manulife Securities Insurance Inc. and I may receive a renewal (or service) commission if you keep that life insurance product in force. Manulife Securities Insurance Inc. and I may also be eligible for additional compensation, such as bonuses, or non-monetary benefits, such as travel incentives, depending on various factors such as the volume or persistency of business that Manulife Securities Insurance Inc. and I place with a particular life insurance company during a given time period.

Conflict of Interest:
Manulife Securities Insurance Inc. and I take the potential of a conflict of interest seriously. I will notify you if there is a potential conflict of interest of which I become aware in regards to my recommendations to you. My overall recommendation will take into consideration, and will be based on my analysis of your financial security and life insurance needs.

More information:
Should you require additional information about my life insurance qualifications or the nature of my life insurance business relationships, I would be pleased to provide this to you.

Acknowledgement:
I have read and understand the terms of this disclosure, including any potential conflict of interest by Christopher Young in relation to any life insurance recommendations, and acknowledge receiving a copy of this disclosure.

The information contacted herein is for Canadian residents only and does not constitute an offer to sell or a solicitation
in any jurisdiction, in which manulife securities or its advisors are not appropriately licenced or registered or
where any product or service is not eligible for sale. details are available on request.
This website is not meant to provide legal or account advice. As each situation is different you should consult your own
professional advisor for advice based on your specific circumstances.
Manulife Securities and the block design are registered service marks and trade marks of
The Manufacturers Life Insurance Company and are used by its affiliates including Manulife Securities Incorporated.
Manulife Securities incorporated is a member cipf.