Disclaimer
This page explains the limits of the information provided on this website and the role of licensed insurance advisors.
No Insurance Advice
Happy Team Group Benefits is a marketing and referral service and is not a licensed insurance agency, broker, or insurer in Ontario or any other jurisdiction.
The information provided on this website is for general informational and educational purposes only and does not constitute insurance advice, recommendations, or a solicitation to purchase insurance.
Licensed Advisor Involvement
All insurance products, advice, quotes, recommendations, suitability assessments, and policy placements are provided exclusively by licensed insurance advisors. Happy Team Group Benefits does not assess insurance needs, compare policies, recommend coverage, or bind insurance.
No Guarantees
Insurance availability, coverage terms, pricing, and eligibility are subject to insurer underwriting rules and the discretion of licensed advisors. Results may vary by business, employee group, and plan design.
Third-Party Responsibility
Happy Team Group Benefits may refer you to third-party licensed insurance advisors or agencies. We are not responsible for the advice, recommendations, or services provided by those third parties.
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Happy Team Group Benefits is a marketing and referral service and is not a licensed insurance agency or broker. Insurance products, advice, quotes, and recommendations are provided exclusively by licensed insurance advisors.
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