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EFLS takes a unique role in development and delivery with its partnership model, which builds on the strengths of other local agencies to provide its services.  Flexibility & adaptability are key strengths of EFLS as it is open to custom tailoring learning materials to more effectively suit the different needs of the groups it delivers to.

Projects
Board & Staff
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With every project EFLS is involved in, it strives to ensure that the learning materials presented are conducive and tailored to meet the unique needs of the various population segments it delivers financial education to.  All EFLS curriculums contain behavioral components that are designed to directly relate to the demographic it is targeting.

Courses
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Given the complexity of financial markets and product choices as well as the disturbing trend of ever increasing household debt to income ratios; Financial Literacy is now recognized as being an essential life skill.

Funders
Partners
Volunteers

"The course has helped me to curb my spending and to think about what I'm buying before I buy it. I've changed my habits and now want to get an RRSP."

More Testimonials

Press Release

View EFLS 2011 Annual Report

Read the report

Our Thoughts and Everything You Need to Know About an Insurance Broker

Who is an insurance broker?

DG Bevan Insurance Brokers Ltd are expert advisers that are knowledgeable in risk management and insurance. They actually work for their clients to deliver adequate advice of interest, and not insurance companies.


What do insurance brokers do?

Evaluate your insurance needs. Many people buy different types of insurances to cover their businesses and other needs. As a matter of fact, there exists a wide range of variables when purchasing an insurance, be it for your business, property or car.


It becomes a hard work for you as a client to sit down alone and identify the correct option when purchasing an insurance. For this reason, insurance brokers Barrie will chip in to help you go through all possible variable so as to make the best choice that will suit your interests.

Apart from being experts in matters dealing with exceptions, coverage and policies, brokers will be of help if you are a client who requires certain changes or specific services of a policy to be adjusted without personally contacting the insurance firm.


Acquire policy and quotes comparisons.

Apart from looking for the correct insurance variable or policy for you, a broker easily facilitates you with recent quotes and compares them. Brokers have software access that grants them a formula of merging various insurance types or policies to come up with a comprehensive one for you that goes at a lower rate.

Generally, these quotes are lower as compared to direct sales cost. The reason to this is that insurance companies provide brokers with a pricing that is special.


Offer detailed explanation of terms and conditions together with fine print

Insurance policies are very complex to understand at once, since you’ll find lots of terms and conditions and at the same time exclusions and exceptions. For a client to make the correct decision when choosing a policy to purchase, a broker will assist him read through all the terms and conditions and explain it to him in simple language to prevent making the wrong choice.


Amend policies when need arises.

A client with a particular purchased insurance policy may be forced to change it for some reason. For instance, if the client had insured his car and sells it, he then need to change the insurance coverage. This can take him quite some time but if he uses a broker, the changes can be done in a very short time.


Provides help during a settlement or claim.

Somewhere along the way, a client needs either to file an insurance claim for a particular reason or needs a claim settlement. Here is where a broker will come in between to solve whatever issue but speaking for the client’s interest.

Also, insurance brokers will avail the correct steps to follow when filing or settling a claim.