Meet the firm Carolina is registered with and the companies whose products she can present to you.
Parent firm
The distribution network Carolina is registered with, and the international financial group behind it.
Parent firm
World Financial Group (WFG)
WFG provides financial services through life insurance, retirement and wealth-building strategies. Since its founding in 2001, its mission has been to help people create the life they want to live, protect their loved ones and plan their financial legacy, through a team of licensed independent agents across North America.
More than 7 million families guided and protected since 2001.
More than 100,000 life-licensed agents across North America (2026).
Works with insurance and financial services providers rated A or higher.
A Transamerica company, with more than 115 years of history behind it.
What it means for you. You get access to a diverse portfolio of insurance, retirement and savings solutions, with a culture that puts each family first.
Would you like to build your own business in finance?
One of the best-known financial brands in the United States, with more than 115 years of history. It offers life insurance, retirement and investment solutions, and serves more than ten million customers.
WFG is its affiliated distribution network: more than 100,000 independent agents who offer Transamerica products as well as those of other insurers.
It represents about 70% of the Aegon group’s operations.
What it means for you. Behind WFG stands a century-old brand focused on middle-income families.
An international financial services group headquartered in Schiphol (the Netherlands), domiciled in Bermuda and listed on Euronext Amsterdam and the New York Stock Exchange. Its main business is Transamerica.
It brings together insurance, retirement and asset management (Aegon Asset Management), with local partners in Europe, Asia and Latin America.
It has announced it is moving its head office to the United States and plans to rename its holding company Transamerica Inc.
What it means for you. The backing of a global financial group listed on two of the world’s leading stock exchanges.
Carolina does not work for a single insurer: through WFG she has access to insurance and investment products from several companies. You see options; availability depends on your province, your profile and the applicable licences.
Insurer
Manulife
One of Canada’s largest insurers. WFG and Manulife have worked together since 2017 on travel, health and dental insurance; in 2025 the alliance expanded to life insurance and the Manulife Vitality program.
Term, universal and participating life insurance.
Segregated funds and low-risk savings solutions.
What it means for you. You can compare life protection and low-risk savings with an established company, while still reviewing your other options.
A Canadian life and health insurer headquartered in Toronto. It is a member of Assuris, the not-for-profit that protects policyholders if a life and health insurer fails.
Universal and term life, critical illness, simplified and no-medical issue insurance, and annuities.
What it means for you. Protection alternatives with simplified processes when your situation calls for it.
A Canadian mutual insurer founded in 1920 and headquartered in Waterloo, Ontario. As a mutual, it is owned by its participating policyholders, not by shareholders.
Term, universal and participating whole life insurance, and critical illness insurance.
Savings and investments with segregated funds, and group benefits.
What it means for you. A century-old mutual company to compare life protection and long-term savings.
A Canadian specialist in no-medical and simplified issue life insurance. Since 2020 it has been part of Foresters Financial, an organization founded in 1874 and headquartered in Toronto.
Term and permanent life insurance with no medical exam or a simple questionnaire.
Critical illness insurance.
What it means for you. An option when you want fast, simple protection, or when your health makes it hard to qualify for traditional insurance.
A Canadian insurer founded in Toronto in 1923 and headquartered in Kingston, Ontario. It ranks among Canada’s 10 largest life insurers by total assets.
Life and critical illness insurance.
Segregated funds and annuities, and group health, dental and disability plans.
What it means for you. More than a century of experience to protect your family and grow your savings.
Canada’s largest mutual insurer, created in 2020 by the union of La Capitale and SSQ Insurance, two Quebec companies. It serves about 3.5 million clients.
Life, health and travel insurance for individuals and businesses.
Savings and investment solutions.
What it means for you. As a mutual, its decisions are focused on its members: a solid option with a strong presence in Quebec and across Canada.
Names and brands belong to their owners and are mentioned only to say whose products Carolina can offer through World Financial Group (WFG); they do not imply sponsorship. Carolina Cedeño is an independent Financial Security Advisor registered with WFG. Educational content, not personalized advice. Product availability depends on the province, each person’s profile and the applicable licences. Public information checked in November 2026 (WFG, Transamerica and Aegon; Manulife, June 2025; iA Financial Group; ivari; Equitable; Canada Protection Plan; RIMI; Empire Life; Beneva).
