Non-Medical Life Insurance:
- Simplified Life (Ages 25-80)
- Deferred Life (Ages 25-80)
- Family Compass (Ages 20-90)
- CPP No Medical Insurance Ad
- Term Insurance
- Whole Life
- Participating
- Non-Participating
- Universal Life
Investments:
- Segregated Funds
- Investment Loans
- Registered Education Savings Plans
Health & Dental:
- Individual Plans
- Small Business Group Plans
- Manulife - Online Quotes
- Life Insurance
- Disability Rider
- Critical Illness Rider
- Snowbirds & Traveling Canadians
- Visitors to Canada
Living Benefits:
- Disability Insurance
- Critical Illness
- Long Term Care
1. I commit to put your needs first, disclosing any conflict of interest.
2. I commit to work honestly and diligently on your behalf, to provide you with products that suit your specific needs and budget.
3. I commit to review your situation personally, and offer you professional and practical advice for your current and long term goals.
4. I commit to shop as many insurance companies as required to find the right coverage at the right price!
5. I commit to give you a level of service that I would want and expect myself.
6. I commit to be there after the sale, to explain your contract and answer questions so that you are comfortable & confident with your decisions.
7. I commit to be there for you from start to finish, so that your needs are taken care of efficiently and professionally.
8. I commit to answering your calls promptly. Whenever you have an inquiry, I am just a phone call away.
9. I commit to being a presence after the sale, with monthly contact via e-news and other occasional mailings, to keep our client/advisor communication open at all times.
10. I commit to taking care of my client's security and peace of mind for the long term. I take pride in having a high client retention rate, which I believe is accredited to excellent products & prices, reliable and friendly service and a good rapport between client & advisor.
Contact Information:
Email: Direct toll-free: 1-866-657-3882 Local (705) 657-3882 Fax. (705) 657-9182
Shelley L. Bertram
Life Insurance Broker
Who Am I?
My name is Shelley Bertram. I am Licensed as a Life Insurance Agent. I began my life insurance career in May 2001, and was introduced to Mr. William Tansey of Tansey Insurance Services Inc. in B.C. Mr. Tansey originated a very unique no medical type insurance plan for those that are hard to insure, with the option to issue up to age 90. I am privileged to remain part of Mr. Tansey's team of independently contracted agents still offering the NWLegacy plans. I have also added the nationwide Canada Protection Plan products to my portfolio that are also no-medical type insurance plans.In February 2004, I started my own insurance company, Bertram Insurance & Financial Services and became an Independent Broker. I am currently contracted with major brokers, including Financial Horizons Inc. and HUB Financial Inc. [the largest broker in Canada], giving me access to practically every major insurer in Canada.In June 2006. I continue to educate myself by attending workshops & financial summits and by taking extra courses in financial planning, retirement planning, taxation and investing. Bertram Insurance & Financial Services strives to grow and change to reflect changing lifestyles and the continually changing world economics.
Companies I Represent
I am authorized to represent and have contracts with many insurance companies. In the past 12 months I have most frequently used: Unity Life, RBC, Empire, Manulife, Equitable, and Industrial Alliance Pacific . If none of these companies offer products suitable to your specific needs I will compare several other companies to find a product that is suitable for you.
Relationship With The Companies I Represent
No insurance company holds an ownership interest in my business, nor do I hold an ownership interest in any insurance company.
Conflict of Interest
It is my duty to disclose any conflict of interest with respect to my overall recommendations, to you, as my client. As an Independent Broker I am bound by the laws governing life insurance agents in Ontario and the Code of Ethics of my professional association, Independent Financial Brokers of Canada. This means that any insurance/financial products I recommend will be what I deem best suited to meet your needs without regard to compensation practices of any one company.
For more information please see the Advisor Disclosure document
BERTRAM INSURANCE
&
FINANCIAL SERVICES
Associations: