Yeuk Hei Chow-Insurance Advisor, Life, Health & Wealth

01/07/2026

2025 年回顧｜提醒我為何選擇這條路

回望 2025 年，我發現這一年不是關於業績數字，而是關於關係的深度。
這一年，我做得最多的，是：

- 幫助新客戶釐清自己真正需要的是什麼，而不是被推銷了什麼
- 幫助舊客戶真正理解 15 年前買下的保單——那些多年來一直繳費，卻從未被清楚解釋的保障

很多對話都不容易。
有人困惑，有人無奈，
但在一切講清楚之後，更多的是鬆一口氣的安心。

最令我感動的，不是任何一張保單，而是客戶對我說的一句話：
「很慶幸你成為我的保險顧問。」
這一句，比任何成績都來得珍貴。

在溫哥華服務華人社群，能用熟悉的語言與文化背景，幫客戶把複雜的事情說清楚，對我來說是一份責任，而不是理所當然的工作。

感謝 2025 年每一位把家庭未來交託給我的客戶。
帶著感恩與初心，我會繼續走好 2026 年的每一步。

12/29/2025

Discover what cash value life insurance is, how it works, and its benefits in deciding if a cash value life insurance policy is right for you.

Cash value life insurance provides lifelong protection and acts as a financial investment tool for Canadians. Here’s how it works and when to use it.

12/21/2025

Estate planning is more, much more, than “death planning.” 82% of Canadians prioritize financial protection for loved ones, but only 15% have an estate plan. A strategic plan ensures asset control, reduces taxes, and preserves wealth—especially for businesses. Read more.

Estate planning is more, much more, than “death planning.” Despite the intricate details, the basic bottom line spells it out succinctly. In Canada, estate planning is formally and legally documenting a plan for assets to protect family, business legacy and minimize taxes. A comprehensive estate...

12/19/2025

Life is unpredictable. While you can’t plan for everything, you can take steps to protect your family from financial risk. Having the right insurance can provide peace of mind and help ensure your loved ones are cared for.

Mortgage protection insurance and life insurance are two very different products. Understanding the difference will help Canadians make the best choice for their insurance needs.

10/16/2025

We're excited to announce that RBC Insurance has won three awards at The Digital Banker’s 2025 Global Insurance Innovation Awards!

These awards underscore our commitment to innovation and client-first solutions. These awards signal the early impact of RBC Insurance’s transformation and its continued focus on clients and advisors.

RBC Insurance has been awarded with:

• Best Digital Insurance Initiative for point-of-sale approval on our RBC YourTerm life insurance product
• Best Digital Transformation Program for our knowledge management transformation
• Outstanding Customer Relations & Brand Engagement Initiative for our website

Awards celebrate excellence in digital insurance, knowledge management, and client experience

10/08/2025

Time to have a better legacy planning for your family!
Your decision matters: Assets go to government or your family?
值得花時間想想如何保護父母的財產及留最多的資產值給子女~

(加西网综合)加拿大安省一名女子称，她的父母在同一年去世，她不得不动用父母几乎所有的退休储蓄来偿还超过 66 万加元的税单。阿什利-加利亚（Ashley Galea）说，当她和哥哥仍沉浸在失去父母的悲伤中，就收到了政府的这笔.....

08/21/2025

Learn how estate planning can help manage your family’s financial future and preserve your wealth! https://bit.ly/3SnmpZC

07/17/2025

這星期幫3位客位完成了一些規劃，有感而發：
搬到加拿大，身份變了，但初心沒變。
從在香港做了二十年的銀行保險顧問，到現在成為一位在溫哥華努力安家的媽媽，這段轉變讓我對「保險」有了更深的體會。

在香港，我主要服務的是高資產淨值的客戶，和私人銀行、商業銀行合作，透過保險做資產分配、信託結構、跨代傳承規劃。由於香港沒有資產增值稅，也沒有遺產認證費（Probate fee），保險更多是財富管理的一環。

但在加拿大，我發現情況完全不同。
這裡不論收入或資產多少，只要你有家庭、有責任，就需要保險作為整體財務規劃的一部分。
因為這裡有資本增值稅、有遺產認證費，萬一發生意外，家人不只要面對情感上的打擊，還可能馬上要處理資金、稅務和繼承問題。

作為一位媽媽，我更明白保障的重要。不是為了自己，而是為了留下最少的負擔、最多的愛給家人。

現在的我，比以前更有使命感。
我不只是為高資產客戶服務，而是希望幫到更多像我一樣來到加拿大重新開始的家庭。

如果你也在建立新生活的路上，不確定該怎樣保護家人未來，歡迎隨時找我聊聊。不需壓力，只想用我過去的經驗，為更多家庭帶來安心與力量：）

05/31/2025

💡 Interesting, isn't it?
Some people believe having lots of money in the bank means they don’t need insurance.

But here’s a question to think about:
👉 If life throws an unexpected curveball—like a critical illness or sudden disability—how long will that money really last?

✅ Insurance isn’t just for those without savings. It’s a smart tool to protect your wealth, not just create it.
✅ It gives you choices—so you won’t need to dip into your hard-earned savings, cash in investments, or borrow from your retirement fund.
✅ It keeps your loved ones financially stable, no matter what happens.

💡 有趣的是，很多人以為自己銀行戶口有很多錢，就不需要買保險。

但你有沒有想過：
👉 如果人生突然來個轉彎，例如患上重病或意外失去工作能力，那筆錢真的足夠應付一切嗎？

✅ 保險不是只有「冇錢先要買」，而是幫你守住你已經擁有的財富。
✅ 有了保險，你就有更多選擇——不需要動用儲蓄、不用急著賣投資、也不會影響退休計劃。
✅ 更重要的是，保險能確保你所愛的人，在任何情況下都能有基本保障。

💬 Let’s have a chat. My over 20 years industry experience can help you know whether your current financial plan truly protects what you’ve built.

05/12/2025

With competitive MERs, personalized annual resets and the strength and stability of RBC Global Asset Management behind them, RBC Guaranteed Investment Funds can deliver the confidence of growth and guarantees to your clients this RRSP season. DM me to find out more.

05/06/2025

No one likes to think about the possibility of serious illness or injury. Unfortunately, accidents and illnesses happen, so it’s worthwhile being prepared. Wondering if disability insurance is right for you? Here’s what you need to know.

The right insurance plan can help protect your money if you can't work due to an illness or injury, even if you already have some coverage at work.

05/05/2025

大家好～我最近在幫幾位客戶處理**房貸保險（Mortgage Insurance）**的規劃，發現很多人其實都不太清楚這個名詞真正代表什麼。

你知道嗎？
銀行提供的房貸保險，和你自己買的人壽或健康保險，有很大的差別。不少人以為房貸有保險就安心了，其實...可能保的是銀行，不是你自己！

你有沒有買樓時選了銀行的房貸保險？你知道它真的保障到你家人嗎？
或者你有考慮過用自己名下的保險來取代？

我想做個小小調查，如果你願意的話，留言「1」代表你現在有房貸保險；
留言「2」代表你完全不清楚；
留言「3」代表你想了解怎樣更聰明地安排保障。

如果你想私下問我你的狀況適不適合，我都樂意分享。無壓力、無推銷，只想讓大家在溫哥華這高房價的城市裡，更安心。