My First Post...

Greetings!  Thank you for stopping by my blog.   I'd like to start off my first post to share with everyone why I do what I do so my clients can understand what drives me.  Growing up my parents always taught me to "spend your money wisely" .  I had no idea exactly that meant or what it would look like however having that ingrained in my head taught me that understanding how money works and planning ahead can really make the difference.  

I also jumped into the Life insurance industry after being in an account manager for 8 years at my former work at SAP.  I was tired of changing clients after every year and each quarter my quota starts at zero.   As the real estate industry in the greater vancouver area is highly saturated along with being a mortgage broker, I learned quickly that the average insurance agent as of year 2016 is 58, so the opportunity to help young families line up their life insurance and living benefits showed up.  In my first year,  my earliest clients were my parents and while my dad was in the process of getting an insurance policy,  he had suffered a mild heart attack while we were on vacation which meant his application got denied.  At this point in time in 2019, he is happy and healthy now and fully recovered after a coronary bypass surgery from one of Vancouver General Hospitals finest surgeons, however he was forced to retire early and medications were expensive.  He was forced to take a chunk of money out of retirement and while he is still retired, a 75,000.00 paycheck would have been nice. 
Statistics show that now almost 1 out of 2 people will get diagnosed with Cancer before the age of 65.  If you include heart disease that number increases.  Critical Ilness is very real and it's equally important as Life Insurance in todays world.   
Thanks for the read! 
​Kelvin Ng