At HMR Employee Benefits Ltd., we recognize and respect the importance of privacy. When an application for a product or service is received, we establish a confidential file that contains the personal information provided. This file is kept in the offices of HMR Employee Benefits Ltd. The Insured or parent or legal guardian may exercise certain rights of access and rectification with respect to the information in the insured's file by sending a request in writing to HMR Employee Benefits Ltd's address. We limit access to personal information in the insureds file to HMR Employee Benefits staff who require it to perform their duties and to persons to whom the insured or parent or legal guardian of a child insured, has granted access. In addition, as personal information may be collected, used, disclosed or kept in or outside Canada, it may be subject to disclosure under applicable Canadian or foreign law. We collect, use and disclose the personal information to: (1) process applications and, if this application is approved, provide and administer the financial product(s) or service(s) applied for, (2) advise the insured and parent(s) or legal guardian(s) of a child insured of products and services to help plan for financial security, (3) respond to, investigate and process claims, and (4) create and maintain records concerning our relationship.
HMR Employee Benefits Ltd. (HMR) is a licensed Life and Health Insurance Agency which helps clients with their Employee benefits plans, insurance and investment needs. We offer comprehensive, customizable Benefits Plans including, Life, Disability, Health and Dental insurance. We also provide individual life, disability and investment products to suit the needs of our valued clientèle.
HMR Employee Benefits is contracted to do business with the following Financial Companies: (in no particular order)
Great West Life
Industrial Alliance Pacific
Pacific Blue Cross
Benefits By Design
We are a licensed user of “Life-Guide” a Canadian software company that provides, current competitive positions and pricing, on products of all companies operating in the brokerage market.
We provide individual and group insurance products as well as financial advice to the clients referred to us by Hendry Swinton McKenzie Insurance. The principles of Hendry Swinton McKenzie Insurance are active shareholders of HMR Employee Benefits Ltd.
Conflict of Interest
We take the potential of a conflict of interest seriously. No insurer holds an ownership interest in our business, nor do any agents of HMR hold a significant interest in any insurance company. Our agents will be paid by the company that offers the product you choose, and may receive a renewal commission for serving your product and financial needs in the future.
Compensation levels are depended on the time spent on a file, the size of a case and various factors such as volume or retention of business placed with a particular financial services company. Through our major product providers Agents may be eligible for enhanced compensation or a non-monetary benefit such as advanced learning conventions or seminars. You will be notified if there is a conflict of interest in regards to any services HMR may provide you with. Financial planning fees may also be negotiated directly with you for services such as retirement and financial planning.
It is our commitment to keep your financial needs as our priority at all times. As insurance and financial advisor's our main goal is to build a trustful and long term relationship with clients.