H.C. Hopper Insurance Agency Inc.: Staff Members: HARVEY HOPPER

WORKING WITH HARVEY HOPPER

Providing Financial Advice to Families for Over 40 Years
BY REFERRAL

PROFILE

I am a financial advisor focusing on retirement planning for individuals and families. I assist you in the development of an appropriate plan to achieve your investment and insurance planning needs.

INTRODUCTION

I believe that it is important for my clients to understand what I do and what can be expected from a business relationship with me. I want my clients to understand what they can contribute to receive maximum value from working with me. I believe that this full, shared disclosure will serve as a solid basis for a long and mutually beneficial business relationship.

SCOPE OF SERVICES

While I am licensed to transact services in a number of classes of business, I specialize in Retirement Planning, Life Insurance, and Living Benefit Products for the individual and family. This includes the sale of investment products, and applications for life insurance and critical illness insurance.

I am a Chartered Life Underwriter and a member of the Canadian Association of Insurance and Financial Advisors. I am also licensed to sell mutual funds, life insurance, accident & sickness insurance, and general insurance. As a requirement of the above, I maintain a vigorous annual continuing education program.

To provide my clients with a full range of products with expert advice, I am part of an innovative team at Hopper Insurance and Manulife Financial. This way, my clients can receive expert advice with other qualified professionals on disability insurance, home insurance, auto insurance, professional liability insurance, and business insurance. When your needs require it, I will refer you to my most trusted market specialists.

WHAT YOU CAN EXPECT OF ME

1.	I recommend strategies and products I would use in similar circumstances.
2.	I only recommend products from high quality companies.
3.	I keep your information confidential as required by law.
4.	My recommendations are based on a thorough understanding of your situation.
5.	I offer annual reviews to advise you of market changes so that you can make plan modifications.
6.	I contact you when I feel that there is relevant information to share with you directly related to your financial goals and plan.
7.	My staff or I respond to your telephone inquires as soon as we're able, and target "by the end of the next business day."
8.	If I am unavailable to handle your query, my licensed assistant is available in my absence to transact business to the extent that her license will permit.
9.	You receive regular communication from us.
10.	An endorsed referral is the highest praise I can receive for my work and I treat all new client introductions from you professionally.
11.	I look forward to hearing what other expectations you have of me.
WHAT YOU CAN DO TO MAXIMIZE THE VALUE OF OUR RELATIONSHIP
1.	Fully disclose the personal information I need to make a good recommendation.
2.	Seriously consider my recommendations.
3.	Do business with me on the services that I have drawn to your attention.
4.	Endorse my work to others when you believe I have been valuable to you.
5.	Tell me how I am doing.
COMPENSATION
1.	I am paid commissions by the companies where I place your business. It is paid to me when your contract is issued or your money is invested. I may also receive commissions each year your plan is in effect. I am also liable to repay commissions on certain products if you cancel or move your business.
2.	My most valuable compensation is your personal endorsement. I hope to build a relationship with you where you feel comfortable referring me to friends and associates that you feel might be able to benefit from meeting us.

6 DIVISIONS TO OFFER YOU FULL SERVICE
• Investment Products • General Insurance • Life Insurance • Disability Insurance • Group Benefit Plans • Banking •