Disclaimer
Last updated: September 3, 2026
The information on this website is provided in good faith for general informational purposes only. Please read the following disclaimers carefully.
Not a guarantee of coverage or approval
Nothing on this website guarantees insurance coverage, approval, a specific premium, or investment return. All applications are subject to the underwriting, eligibility criteria, and approval of the relevant insurance carrier or financial institution.
No advisor-client relationship until engagement
Browsing this website or submitting a quote request does not, on its own, create an advisor-client relationship. That relationship begins once you formally engage with a licensed advisor at Smile Insurance.
Not tax, legal, or medical advice
Content referencing tax treatment (such as RRSP, TFSA, FHSA, or RESP information), legal matters (such as estate planning), or health topics is general in nature and not a substitute for advice from a qualified accountant, lawyer, or physician. Please consult the appropriate professional for advice specific to your situation.
Provincial health plan information
References to provincial health plans (such as AHCIP, MSP, or OHIP) reflect our general understanding at the time of publication. Provincial health plan coverage can change — always confirm current details with the relevant provincial authority.
Regional availability
Smile Insurance currently serves clients in Alberta, British Columbia, and Ontario. Product availability may vary by province and by insurance carrier.
Testimonials
Where testimonials or client comments appear on this site, results and experiences vary and no testimonial is a guarantee of a similar outcome for any other client. Coverage, eligibility and pricing are always determined by the issuing carrier through its own underwriting.
External links
Links to external websites are provided for convenience and reference only. We do not endorse and are not responsible for the accuracy or content of external sites.
Limitation of liability
To the extent permitted by law, Smile Insurance disclaims liability for any loss or damage arising from reliance on information provided on this website.
Contact us
If you have questions about this disclaimer, contact us at info@smileinsurance.ca or (778) 601-5001.