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Disclaimer: Any information contained in this website is intended as a general guide only and should not be considered the ultimate source for any of the information contained herein. You must undertake further research and must seek the advice of a qualified professional before taking any action related to such information. While we consider the information provided to be reliable at time of publication, we make no representations or warranties that the information contained in this website is complete, timely, or accurate. This information can become out-of-date. We make no commitment, and disclaim any duty, to update any of this information. PrescribedAnnuities.ca and its providers will not be liable or responsible to users of this website for any damages they incur whatsoever.
Licensing/Jurisdiction: Rino Racanelli is a licenced life insurance agent in the provinces of Ontario, Alberta, and British Columbia. This Website is not intended as a solicitation for insurance in any state or province where Rino is not licensed. Any website visitors who live in other provinces and need our assistance will be given the option to work with one our colleagues who is licenced in their province.
Ownership: Content providers Rino Racanelli publishers (“Owners”) have copyrights on this Website and all of the content contained in this website. All the information, materials and other content are the sole and exclusive property of the owner and may not be modified, copied, reproduced, republished, uploaded, downloaded, posted, transmitted, publicly displayed, used to created a derivative work, sold, or otherwise used for public or commercial purposes, in whole or in part, without the express prior written consent of the owners. You may not use any technological means such as robots, spiders, or other devices to monitor materials available through this Website.
Terms and Conditions of Use: What you can expect from this website. When you use this website you warrant you are at least 18 years of age and can enter into binding contracts for insurance or other goods. When purchasing an insurance product all the insurance products are subject to the terms and conditions of the insurance contracts/policy. The website should be used to obtain general information and knowledge and not a recommendation, advice, or complete description of any products, service, or plan. When requesting an insurance quotation through this Website, does not mean you have entered onto a legal insurance agreement with an insurance provider. The request for quotation may be used by PrescribedAnnuities.ca to provide an estimate of the terms, conditions, and costs of coverage. A quotation may be subject to receipt of additional information or other conditions. Each individual visitor to this websites circumstances will vary and they must carefully review their own insurance policies and consult with their insurance advisors. This website does not provide legal advice or accounting and taxation advice along with financial planning advice. This advice should be on your personal situation and come from professionals associated with the particular field of knowledge such as a professional tax advisor.
Disclosure for Rino Racanelli: When considering the purchase of life insurance, living benefits, investments, or banking products, it is important to have an understanding of the product and how it meets your needs. In addition, it is important to know the company which is offering/supplying the product or service as well as the advisor who is recommending it. The following information will assist you in making an informed decision, and will provide insight into my relationship with the companies I do business with, and how I am compensated. At times I receive customer referrals from existing clients. My services pertain to the requested services only and do not expand beyond this arena into financial or tax planning or other activities. I am unable to advise you on any insurance needs pertaining to mutual funds, where I do not hold the appropriate authorized regulatory certificates
Companies I Represent: As a licensed insurance broker, I represent several insurance carriers offering life insurance, living benefits and investment products. My recommendations are based on my assessment of your financial and security needs and are selected from a broad range of products.
Nature of Relationship with Companies I Represent: No Insurer holds ownership or interest in my business nor do I hold an interest in any Insurance Company. I am duly registered in the provinces of Ontario, British Columbia and Alberta offering financial services products. I am authorized to sell life, health and Insurer investment products in the provinces of Ontario, British Columbia and Alberta.
Compensation: If you choose to purchase a product through me, I will receive remuneration from the company that offers the product. I am compensated by either a sales commission or referral fee at the settlement of the product or service. In addition, I may also receive renewal (or service) commissions from the Insurer where clients decide to keep the policy or contract in-force. I may also be eligible for additional compensation, such as bonuses, non-monetary benefits and travel incentives, depending on various factors such as the volume or persistency of business that I place with a particular company.
Conflicts of Interest: I take the potential of a conflict of interest very seriously. I will notify you verbally and in writing if there is a potential or real conflict of interest of which I become aware. My overall recommendations are unbiased and, where possible, are based on an independent survey of companies which provide the products the client is interested in. I have no other business activities. At times we may communicate with you by electronic communication (email) to offer you advice and service of our products being made available to you. If you decide you do not wish to receive any further electronic communication, we do have an unsubscribe mechanism in place.