Last Updated: October 7, 2026

Welcome to LifeAnchor.ca. These Terms of Service govern your use of this website and the information and services provided by Ghazaleh Moghaddam.

By accessing or using LifeAnchor.ca, you agree to these Terms of Service. If you do not agree with these terms, please discontinue use of the website.

1. Purpose of This Website

LifeAnchor.ca provides general information about insurance and financial protection solutions, including Living Benefits products such as Disability Insurance, Critical Illness Insurance, and Accident Insurance.

The website is intended to help visitors learn about available insurance solutions and connect with Ghazaleh Moghaddam to discuss their individual insurance needs.

Information provided on this website is for general informational purposes and should not be considered personalized financial, legal, tax, or medical advice.

2. Insurance Products and Coverage

Insurance products are subject to the terms, conditions, exclusions, limitations, eligibility requirements, and underwriting rules of the applicable insurance company.

Coverage is not guaranteed.

Submitting a contact form, requesting a consultation, receiving a quote, or discussing insurance options does not mean that insurance coverage has been approved or placed in force.

Coverage becomes effective only when all applicable requirements have been satisfied and the insurance company confirms coverage in accordance with the applicable policy and its terms.

3. Insurance Recommendations

Insurance needs vary from person to person.

Any insurance options discussed with you may take into consideration information you provide about your needs, circumstances, financial responsibilities, goals, and budget.

You are responsible for reviewing the applicable policy documents and ensuring that you understand the coverage, benefits, limitations, exclusions, waiting periods, premiums, and other relevant terms before making a decision.

The insurance policy issued by the insurer is the governing contract for your coverage.

4. Accuracy of Website Information

We make reasonable efforts to provide clear and accurate information on LifeAnchor.ca. However, insurance products, eligibility requirements, benefits, premiums, underwriting guidelines, and other information may change.

We do not guarantee that all website content will always be complete, current, or free from errors.

If information on this website differs from the terms of an insurance policy or documentation provided by an insurer, the insurer's official policy documents will govern.

5. No Guarantee of Eligibility or Approval

Information presented on LifeAnchor.ca should not be interpreted as a guarantee that you will qualify for a particular insurance product.

Eligibility, pricing, coverage amounts, exclusions, and approval may depend on factors determined by the applicable insurer and its underwriting requirements.

6. Quotes and Illustrations

Any premiums, benefit amounts, examples, estimates, or insurance illustrations presented on the website or during an initial discussion are for informational purposes unless otherwise stated.

Final premiums and coverage are determined by the applicable insurance company and may differ based on eligibility, underwriting, product selection, and other relevant factors.

7. Your Responsibilities

When requesting insurance information or applying for coverage, you are responsible for providing accurate, complete, and truthful information.

Failure to disclose relevant information or providing inaccurate information may affect eligibility, coverage, claims, or the validity of an insurance policy in accordance with the insurer's terms and applicable law.

You should carefully review all application information and policy documents.

8. Website Forms and Communications

Submitting information through LifeAnchor.ca does not create an advisor-client relationship, guarantee insurance coverage, or obligate either party to proceed with an insurance application.

By submitting a form or requesting a consultation, you authorize us to contact you regarding your inquiry using the contact information you provide.

The collection and handling of personal information are also subject to our Privacy Policy.

9. Third-Party Insurance Companies and Services

Insurance products discussed or offered through LifeAnchor.ca may be issued and administered by third-party insurance companies.

Those companies are responsible for their respective insurance products, underwriting decisions, policy administration, and claims decisions in accordance with their policies and applicable requirements.

LifeAnchor.ca may also contain links to third-party websites or services. We are not responsible for the content, availability, security, or privacy practices of independent third-party websites.

10. Claims

All insurance claims are subject to the applicable policy's terms, conditions, limitations, and exclusions and are assessed by the applicable insurance company.

Nothing on LifeAnchor.ca should be interpreted as a promise or guarantee that a particular claim will be approved or paid.

11. Intellectual Property

Unless otherwise stated, the text, graphics, branding, design elements, and original content appearing on LifeAnchor.ca are owned by or licensed for use by LifeAnchor.ca and may not be copied, reproduced, distributed, or used for commercial purposes without prior permission.

12. Limitation of Liability

To the extent permitted by applicable law, Ghazaleh Moghaddam and LifeAnchor.ca will not be liable for losses or damages arising solely from reliance on general information presented on this website or from the use or inability to use the website.

Nothing in these Terms is intended to exclude or limit any responsibility or liability that cannot legally be excluded or limited.

13. Privacy

Your use of LifeAnchor.ca is also subject to our Privacy Policy, which explains how personal information may be collected, used, disclosed, and protected.

14. Changes to These Terms

These Terms of Service may be updated periodically to reflect changes in our services, website, insurance practices, or applicable requirements.

The latest version will be posted on LifeAnchor.ca with an updated revision date.

15. Governing Law

These Terms of Service are governed by the applicable laws of the Province of Ontario and the federal laws of Canada applicable therein.

16. Contact Us

If you have questions about these Terms of Service or the services described on LifeAnchor.ca, please contact:

Ghazaleh Moghaddam
LifeAnchor.ca

Phone: 647-770-6211
Email: [email protected]
Website: lifeanchor.ca

Address:
60 Granton Drive
Richmond Hill, Ontario L4B 2N6
Canada

These Terms of Service are intended as general website terms and are not legal advice. They should be reviewed against Ghazaleh’s actual insurer/agency relationship, licensing disclosures, website forms, marketing practices, and applicable regulatory requirements before publication.