Terms of Use

Last updated: September 2026

This is a general template — please have it reviewed by a legal professional before publishing.

General information only

The content on this website is provided for general educational purposes only and does not constitute financial, legal, tax, or insurance advice. Insurance products are subject to the terms, conditions, exclusions, and underwriting of the issuing insurer. Nothing here is an offer of insurance or a guarantee of coverage or price.

Illustrative rates

Any premiums, rates, or savings shown are illustrative examples only and will vary based on your age, health, lifestyle, coverage amount, term, and the insurer. Your actual quote requires an application and is subject to approval.

Licensing

Hayes Family Insurance is a licensed life & health insurance agency operating in Ontario. We are regulated by the Financial Services Regulatory Authority of Ontario (FSRA).

Third-party links & quotes

This site may link to third-party tools (such as our quote-comparison engine) and insurer resources. We are not responsible for the content or privacy practices of third-party websites.

Limitation of liability

Hayes Family Insurance is not liable for any decision made in reliance on general information on this website. Always speak with a licensed advisor before purchasing or changing coverage.