Commission Disclosure
As a licensed insurance broker registered with the Registered Insurance Brokers of Ontario (RIBO), Bassem Ibrahim receives compensation in the form of commissions paid by insurance carriers when policies are placed on your behalf.
Commission rates vary by carrier and product type. Commissions are included in your premium — you do not pay a separate fee for our brokerage services. This means our service comes at no additional cost to you.
If you would like specific information about the commission arrangements related to your policy, please contact us.
Conflict of Interest Disclosure
We are committed to transparency and acting in your best interest. We disclose the following potential conflicts of interest:
- We receive commissions from insurance carriers, which may vary between carriers and products
- Some carriers may offer volume bonuses, contingent commissions, or other incentive programs
- We may have preferred relationships with certain carriers based on service quality and claims handling
Despite these relationships, our obligation is always to you, the client. We shop multiple carriers to find you the best combination of coverage and price, and we disclose these relationships to ensure full transparency.
Regulatory Information
Broker: Bassem Ibrahim, CIM®, FCSI®, LLQP, RIBO, DMS, CPH®
RIBO License: #[PENDING]
Verify: RIBO Broker Directory
All-Financials operates in compliance with the Registered Insurance Brokers Act and regulations of the Financial Services Regulatory Authority of Ontario (FSRA).
CISRO Consumer Information
For information about your rights as an insurance consumer, visit the Canadian Insurance Services Regulatory Organizations (CISRO) website.
Questions?
If you have any questions about our commission structure, conflicts of interest, or regulatory obligations, please contact us at bassem@insurewithus.ca or [PENDING - replace before launch].