Confirm your adviser is a broker. New regulation is in place for advisers to Disclose in writing whom they are contracted with and the document that the consumer and agent sign lists the insurers the agent and or their business is contracted to do business with. Many agents are still unaware that this is currently being enforced and an audit process is under way at FSCO, Financial Services Commission of Ontario.
Ask your adviser to produce their disclosure document to be signed and get note a copy is to stay with the you. This will truly confirm if you are working with a broker or not.
Check on the FSCO site, link below, to see if there are any enforcement activities concerning the adviser.
Contracted with more that 20 insurers we find that our clients save money and with the products available are able to locate appropriate coverage to suite needs. In preparation for this new regulation starting to be enforced effective Jan. 1, 2016, where applicable, we have been having clients sign disclosure documents for the last couple of years.