Anderson Chau Disclaimer
Updated on 2026-03-01
1. Personal Capacity & Views
The information and opinions expressed in this video, and in any associated materials, descriptions, or comments, are those of Anderson Chau in a personal capacity only. They do not represent, reflect, or constitute the views, positions, endorsements, or recommendations of any insurance company, employer, managing general agency (MGA), or affiliated organization with which Anderson Chau may be contracted or associated.
2. Licensing & Regulatory Status
Anderson Chau is a licensed life and health insurance advisor in the Province of Ontario, licensed under the Financial Services Regulatory Authority of Ontario (FSRA). All activities are conducted in accordance with the Insurance Act (Ontario), applicable regulations, and industry guidelines established by the Canadian Life and Health Insurance Association (CLHIA).
3. Carrier & Distribution Disclosure
Regulatory Disclosure: In accordance with Ontario Regulation 347/04 and the CLHIA Advisor Disclosure Reference Document, Anderson Chau is contracted with and authorized to offer insurance products through Sun Life Assurance Company of Canada (“Sun Life”). Anderson Chau may also be contracted with or authorized to place business through additional insurance carriers from time to time.
This disclosure is provided solely to fulfill regulatory obligations and to inform consumers of Anderson Chau’s contractual relationships. It does not constitute an endorsement by, joint venture with, or representation on behalf of Sun Life or any other named carrier. Anderson Chau does not speak for, act on behalf of, or represent the corporate views of any insurance company. The use of any carrier name herein is strictly for the purpose of transparency and regulatory compliance.
Products discussed in this video are for general educational illustration only and are not specific to any one carrier unless explicitly stated. Viewers are encouraged to consult directly with Anderson Chau or another licensed advisor to determine which carrier and product may be appropriate for their individual circumstances.
4. No Advice or Solicitation
The content presented in this video is intended for general educational and informational purposes only. Nothing contained herein constitutes financial advice, legal advice, tax advice, or a solicitation to purchase any specific insurance product or financial instrument. The information presented is general in nature and illustrative of product features commonly available in the Canadian market. Actual features, eligibility, and pricing will be determined based on your individual circumstances during a consultation. Viewers should not rely on the information in this video as a substitute for professional advice tailored to their individual circumstances.
5. Individual Circumstances Vary
Insurance needs, eligibility, underwriting outcomes, premium rates, and product suitability vary significantly based on individual health, financial situation, age, lifestyle, and other personal factors. Any general information provided regarding whole life insurance, term life insurance, or any other insurance concept is illustrative in nature only and may not apply to your specific situation.
The examples and coverage amounts referenced on this page are for illustrative purposes only and reflect individual client scenarios. Results and eligibility will vary based on age, health, coverage amount, and other factors. Nothing on this page constitutes a guarantee of coverage, approval, or premium rates. Coverage is subject to application and qualification.
6. No Guarantees or Representations
No representation, warranty, or guarantee — express or implied — is made regarding the accuracy, completeness, timeliness, or suitability of any information presented. Insurance products, legislation, tax treatment, and regulatory requirements are subject to change without notice. Anderson Chau assumes no liability for any decisions made based on the content of this video.
7. Tax & Legal Considerations
Any references to tax advantages, estate planning benefits, or financial strategies associated with life insurance products are general in nature and based on current Canadian tax legislation at the time of recording. Tax laws are complex and subject to change. Viewers are strongly encouraged to consult a qualified tax professional, accountant, or legal advisor before making any decisions that may have tax or legal implications.
8. Booking a Consultation
Any invitation to book a call or consultation is an offer to have a no-obligation conversation to better understand your individual needs. It does not constitute a binding agreement, commitment to purchase, or guarantee of product availability or eligibility. No fee is charged for an initial consultation. Personal information collected during the booking process will be handled in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and Anderson Chau’s privacy practices described in Section 10 below.
9. Canada’s Anti-Spam Legislation (CASL) Compliance
Sender Identification
Anderson Chau
3100 Steeles Ave E #500, Markham, ON L3R 8T3
Email: anderson@andersonchau.ca | anderson.chau@sunlife.com
Phone: 647-629-6781
Website: andersonchau.ca
Consent & Communication Channels: Anderson Chau communicates with clients and prospective clients through both his personal brand (andersonchau.ca / anderson@andersonchau.ca) and his carrier-affiliated email (anderson.chau@sunlife.com). Consent provided to either email address constitutes consent to receive commercial electronic messages (CEMs) from Anderson Chau in his capacity as a licensed insurance advisor through both channels. Anderson Chau is the same identified sender regardless of which email address is used to communicate with you.
Express Consent: You will receive CEMs from Anderson Chau only if you have provided express consent (for example, by voluntarily subscribing to a mailing list, submitting a contact or booking form, or otherwise affirmatively opting in) or if implied consent exists under CASL (for example, within two years of a business transaction or six months of an inquiry). Pre-checked boxes are never used to obtain consent.
Unsubscribe: Every CEM sent by Anderson Chau will include a functioning unsubscribe mechanism. You may withdraw your consent at any time by clicking the unsubscribe link in any email, or by contacting Anderson Chau directly at anderson@andersonchau.ca, anderson.chau@sunlife.com, or 647-629-6781. Unsubscribe requests will be processed within 10 business days. Once you unsubscribe, you will not receive further CEMs from Anderson Chau through any channel unless you provide new consent.
No Purchased Lists: Anderson Chau does not purchase, rent, or use third-party email or contact lists. All contacts are obtained through direct, voluntary interactions.
Record of Consent: Anderson Chau maintains records of how and when consent was obtained for all recipients of commercial electronic messages, including the date, method, and specific language of consent, as required under CASL.
10. Privacy (PIPEDA Compliance)
Any personal information you provide to Anderson Chau — whether through a consultation booking, email inquiry, contact form, or other communication — is collected, used, and disclosed in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA). Personal information is collected only for the purposes identified at or before the time of collection, is used only for those stated purposes, and is retained only as long as necessary to fulfill those purposes. You have the right to access, correct, or request deletion of your personal information at any time by contacting Anderson Chau at anderson@andersonchau.ca, anderson.chau@sunlife.com or 647-629-6781.
Anderson Chau does not share your personal information with third parties except as required to process an insurance application (in which case information is shared with the applicable insurance carrier in accordance with their privacy policies), as required by law, or with your explicit consent.
11. Compensation Disclosure
Anderson Chau is compensated through commissions paid by insurance carriers on policies placed. Anderson Chau may also be eligible for renewal (service) commissions, bonuses, or non-monetary incentives (such as conference attendance or recognition programs) based on factors including volume, persistency, or quality of business. If a specific conflict of interest arises in connection with a recommendation made to you, Anderson Chau will disclose it to you in writing prior to the transaction, in accordance with CLHIA guidelines and Ontario Regulation 347/04, Section 16.
12. Regulatory Oversight & Complaints
Anderson Chau is regulated by the Financial Services Regulatory Authority of Ontario (FSRA). If you have concerns about the conduct of a licensed insurance advisor, you may contact FSRA:
Website: www.fsrao.ca
Telephone: 1-800-668-0128
This disclaimer is subject to change without notice.