Advisor Disclosure to the Client

For life, accident & sickness, and investment products, insurance-related business is processed through
HUB Financial Inc., a Managing General Agent (MGA). HUB Financial Inc. may pay, or direct the insurer
to pay, bonuses on commissions earned from the sale of insurance products. These bonuses form part of the advisor’s
overall compensation. The advisor retains full discretion in selecting insurers and is not pressured by HUB Financial Inc.
to favour any company.

For property & casualty (general insurance) products, New World Agency Inc. does not directly hold
contracts with general insurers. Property & casualty insurance is placed through Broker Canada Insurance Group Ltd.,
under a producer contract held by Jason Staroszik.

Licensing & Qualifications

Insurance solutions offered through New World Agency Inc. are provided by Jason Staroszik,
who is individually licensed under the applicable provincial insurance regulators to provide life and
accident & sickness insurance.

Life & Accident & Sickness

• Alberta

General Insurance (Property & Casualty)

General insurance services are offered by Jason Staroszik in a separate capacity through
Broker Canada Insurance Group Ltd., under which all property & casualty insurance is placed.

• Alberta
• Saskatchewan

All recommendations are made based on the insured’s needs and in accordance with regulatory requirements.

Continuing Education

To maintain life, accident & sickness, and general insurance licenses, agents must complete mandatory continuing
education. These requirements are met through approved industry seminars, training programs, and professional
development courses.

Compensation – Monetary & Non-Monetary

Upon completion of an insurance transaction, the advisor is compensated by the insurer providing the product.
Compensation typically includes a sales commission based on a percentage of the premiums. Renewal or service
commissions may also be paid while the policy remains in force.

Advisors may also be eligible for additional compensation, such as bonuses or non-monetary benefits (for example, travel
incentives or seminars), depending on total business placed, persistency, and other factors determined by the insurer.
If a policy is cancelled within a specific period, commissions previously paid may be charged back.

Nature of the Relationship with Insurance Companies

No insurance company holds an ownership interest in New World Agency Inc., and New World Agency Inc. does not hold any
ownership interest in any insurance company. Advisors act independently and are not employees of any insurer.

Products Offered

New World Agency Inc. offers a broad range of insurance products and services, including but not limited to:

Life & Health Products

• Life insurance
• Critical illness insurance
• Disability insurance
• Segregated funds
• Annuities
• Health and dental insurance
• Group benefits
• Travel insurance

Property & Casualty Products (Placed through Broker Canada Insurance Group Ltd.)

• Home insurance
• Auto insurance
• Commercial insurance
• Tenant & condo insurance
• Liability coverage
• Specialty and other general insurance products

A full list of insurers available through New World Agency Inc. may be found on the
Our Partners page.

Conflicts of Interest & Outside Business Activities

New World Agency Inc. is required to disclose any interest that may prevent impartial advice. If an actual or potential
conflict of interest becomes apparent, insureds will be notified immediately.

New World Agency Inc. does not engage in outside business activities that conflict with the distribution of insurance products.

Collection, Use & Access to Information

New World Agency Inc. collects financial, medical, and other personal information necessary to administer insurance
products and services. This may include application information, insurer-generated information, and other details
relevant to underwriting, servicing, or claims processing.

Information is collected to assess eligibility, meet regulatory and contractual obligations, and coordinate with
insurers, paramedical providers, and other service organizations involved in issuing or maintaining coverage.

Insureds have the right to access the information held in their file, request corrections to inaccurate information, and
request clarification regarding licensing, qualifications, insurer relationships, or compensation arrangements. Full
transparency will be provided upon request.

Canadian Anti-Spam Legislation (CASL) – Express Consent

Insureds consent to receive electronic communications from New World Agency Inc. regarding products and services that
may be of interest, as well as policy-related updates.

Consent may be withdrawn at any time by contacting us through our
Contact Page.

All insurance is placed through licensed Canadian carriers and is subject to underwriting approval.