About Us

LifeAnnuities.com Inc.

LifeAnnuities.com is an online annuity brokerage in business since 1972 and online since 1999. We work as an independent broker and have a full range of financial products including life insurance, annuities, RRIF's and TFSA's.

Phil Barker

Phil Barker is a licensed Canadian annuity broker and has been in the annuity and life insurance business for several years. Over the years, Life Annuities.com Inc. has developed relationships with the top insurance companies. This allows us to help you design an annuity to fit your needs and constantly provides quotes from all of the major annuity providers in Canada.

Life Insurance Companies Our Brokers Represent

The life insurance companies that sell annuities in Canada and that our brokers represent are:

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Our Total Customer Satisfaction Guarantee

LifeAnnuities.com is committed to ensuring that the sales process is of the highest integrity and focused on your needs. To meet this challenge, we have put in place two important programs to safeguard your interests and to ensure that you are completely satisfied with the product you purchase.

We provide you with choice

Our brokers offer you a choice of registered and non-registered annuities and a wide range of options:

• Immediate or deferred annuities
• Indexed annuities
• Term certain or life annuities (either single or joint)
• Life annuities, including temporary life, with or without a guaranteed period
• Joint ownership available on non-registered policies
• Enhanced/impaired annuities

Excellent returns

The broker will provide annuity quotes from all the insurance companies that sell annuities so you'll get the best monthly income possible.

Non-residents

If you are not a resident of Canada, you are welcome to visit our website; however, products and services are available only for Canadian residents.

Service Fees

There are no fees related to our services.

Code of Ethics

LifeAnnuities.com is confident that our sales intermediaries are already operating at a high standard of ethics. To ensure that high standards are maintained, we have defined the standards we expect our intermediaries to adhere to:

• Compliance - compliance with all federal and provincial laws and regulations and internal standards governing the sales process.
• Status and introduction - providing clients with full and accurate disclosure of his/her status, qualifications, relationship with Standard Life and the services provided.
• Competence - providing services, advice or information only where they are licensed and competent to do so.
• Needs selling and continuous service - identifying the needs of the client before offering advice and providing continuous attention to these needs.
• Disclosure - educating clients about the products and services offered by providing full and accurate disclosure of all facts required to allow the client to make an informed decision.
• Priority of client's interest - giving priority at all times to the interests of the client when providing advice.
• Confidentiality - holding the personal and business information of clients in the strictest confidence.
• Documentation - providing clients with written copies of any advice given and retaining sufficient information in a client file to demonstrate the appropriateness of a sale.