Regulatory Disclosures

Gisele Pecapedra holds an individual Life Insurance Agent licence in British Columbia, first effective September 8, 2025, authorizing Life Insurance and Accident & Sickness Insurance activities within its scope.

I currently practise under the supervision of a supervisor recorded with the Insurance Council of British Columbia. My insurance activities remain subject to that supervision, my licence conditions, insurer appointments, and applicable law.

I am licensed in British Columbia only. You can verify my current licence and supervision status through the Insurance Council of British Columbia's public Licensee Directory.

I conduct insurance business as an individually licensed agent and process applications and related business through a Managing General Agent (MGA). An MGA facilitates access to participating insurers and may provide administrative and compliance support.

My activities remain subject to my approved supervisor, applicable insurer authorizations, and contractual and regulatory requirements. This website is not the corporate website of my MGA.

I may offer products from more than one insurer where I am appropriately appointed and authorized. Product availability depends on those arrangements, client eligibility, and insurer underwriting.

I am not an employee of an insurance company. Any material insurer relationship or conflict relevant to a particular transaction will be disclosed as required.

When a policy is purchased through me, compensation is generally paid by the insurer, directly or through my MGA. This may include initial or renewal commissions, bonuses, or other monetary or non-monetary benefits; amounts and arrangements can vary by insurer and product.

Some commissions may be repaid if a policy is cancelled early. I disclose whether compensation is payable for a proposed insurance transaction, as required by law, and can explain the applicable compensation arrangement on request.

I also work as a software developer for an information technology company. I disclose this other employment for transparency and assess whether it creates any conflict with my insurance responsibilities.

I identify and address real, potential, or apparent conflicts of interest. Where disclosure is required, I provide it in writing and obtain express consent where appropriate; I will not act where a conflict cannot be properly managed.

My authorized services include Life Insurance and Accident & Sickness Insurance, such as life, critical illness, disability, and eligible health-related coverage, subject to my licence, supervision, insurer appointments, and product eligibility.

I do not represent that my insurance licence authorizes securities trading or unrestricted investment advice.

Before an insurance transaction, I provide the disclosures required for that transaction, including the insurer's identity, whether insurer compensation is payable to me, and any relationships beyond the ordinary insurer-agent contractual relationship that must be disclosed.

This website's general disclosures do not replace information or consent required for an individual recommendation or transaction.

Website content is general information, not personalized insurance, investment, financial, legal, or tax advice. Products are subject to insurer eligibility, underwriting, policy terms, exclusions, and approval.

Please contact me first with questions or concerns about my services. Concerns about an insurance licensee's conduct may also be raised with the Insurance Council of British Columbia. Questions about policy decisions or claims should generally be directed to the issuing insurer and its complaint process.