Please read this notice carefully. It explains what Legacy Transfer is, what this website does, and the limits of the information provided here.
This website is operated by Legacy Transfer, the practice of Nad Khoja, a licensed life and health insurance advisor serving people across Ontario. The information provided here is for general information only and is intended to help you understand the kinds of questions and situations Nad helps people with.
Nothing on this website is individual insurance, legal, tax, investment, or financial advice. Every person's insurance, tax, and estate picture is different. Examples, stories, and scenarios shown here are for illustration only and are not promises about any outcome or about what any insurer will offer. Before acting on anything you read here, you should speak with Nad directly and, where appropriate, with your own legal, tax, or financial professionals.
Insurance products are issued by insurers under their own terms and underwriting. Approval, premiums, and availability of coverage are never guaranteed and depend on your individual circumstances, including your age and health. Permanent and participating life insurance products vary between insurers and carry their own terms, conditions, and risks. Nad can walk you through the differences, but the details of any policy are governed by the contract issued by the insurer.
Nad Khoja is a licensed life and health insurance advisor in the province of Ontario. As an independent advisor, he is not tied to one company and can place coverage with several of Canada's leading insurers. The insurers named on this website are listed for information only; no endorsement is implied, and not every insurer will suit every person.
When insurance coverage is placed with an insurer, Nad may receive compensation from that insurer, as is standard in the insurance industry. This compensation does not change the premium you pay. Nad's guidance is based on your needs and circumstances, not on which insurer pays what. If a product is not the right fit for you, he will say so.
Any reference to insurers, designations, or third parties on this website is for identification and information only and does not imply affiliation with, sponsorship by, or endorsement from those parties. Trademarks and names belong to their respective owners.
Visiting this website, reading its content, or calling the number listed does not by itself create an advisor-client or insurance relationship. A relationship is formed only through a direct, individual conversation and the steps you and Nad agree to take together.
We may update this Legal & Disclosure notice from time to time. The date below shows when it was last reviewed. If we make a material change, we will update the date and, where appropriate, let you know.
Last reviewed: September 2026. © 2026 Legacy Transfer. All rights reserved.
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