Monika Chestnut, Licensed Insurance & Investments

Monika Chestnut, Licensed Insurance & Investments As an independent insurance & Investment Specialist I specialize in the family market and the small business sector. I help my clients secure their assets.

I am an award winning insurance & investment specialist, who is published in the pages of the National Post and sought out for media interviews. I am known for my clean, simple, and easy to understand explanations and strategies. I have been mentored by my father who has been an advisor for over 38 years while I myself have been in the industry for over a decade. I spend my free time raising my ch

ildren and enjoying our sailboats in PEI and in the US Virgin Islands. I volunteer on many boards for not-for-profits agencies, in housing, employment, and with local at risk youth. I am passionate about helping families, clients and my community and am always honoured to help and serve others. I am an independent life insurance and investments advisor specializing in the family market and the small business sector. I help my clients secure their lifestyles around their wealth, health and insurance needs while keeping an eye out for their retirement.

Kinda chic to buy life insurance... I know, of all the things you expected to see on your doom scroll today, life insura...
08/18/2026

Kinda chic to buy life insurance... I know, of all the things you expected to see on your doom scroll today, life insurance probably wasn't it. But hear me out.

Kinda chic to make sure your kids are financially okay if something happens to you.

Kinda chic to make sure your spouse doesn't have to figure out how to pay the mortgage alone.

Kinda chic to have enough coverage to protect the life you've spent years building.

Kinda chic to have critical illness insurance because sometimes the financial crisis isn't dying — it's surviving a serious illness and suddenly not being able to work the way you used to.

Kinda chic to stop saying, “I have coverage through work, so I'm good,” without actually knowing what that coverage is.

Kinda chic to stop putting off the conversation because talking about death feels uncomfortable.

And honestly?

Kinda chic to have someone else do the shopping for you.

That's one of the reasons I became an independent insurance broker.
I work with 20+ insurance companies, so instead of you calling company after company trying to figure out what's available, I can shop around for you.
Your job is to tell me about your family, your finances, your goals and what keeps you up at night.

My job is to help you figure out what kind of protection makes sense — and then shop the market for options that fit.

I didn't become an insurance advisor because I thought insurance was exciting. I became passionate about helping people protect the lives they're working so hard to build. And after spending the last year changing my own life one small decision at a time, I've become even more convinced that big financial goals don't happen because we suddenly become perfect at money. They happen because we make one smart decision. Then another. Then another.
Getting life insurance can be one of those decisions.

So yes…
It's kinda chic to protect your people... and also kind of the bare minimum we own to the ones we love.

If you live anywhere in Ontario and want to find out what your life and critical illness insurance options actually look like, email me at [email protected] to book a FREE consultation.
You bring the questions. I'll bring the spreadsheets.

07/20/2026

One of the biggest lessons I've learned is this:

You don't need the A+ version. You just need the C+ version to begin. Somewhere along the way, we've convinced ourselves that if we can't do something perfectly, we shouldn't do it at all. So we overthink, research endlessly, and tell ourselves we'll deal with it "next month."

I see this all the time with life insurance and critical illness insurance.

People know they need it, but the choices feel overwhelming.

"Which company is best?"

"How much coverage do I need?"

"Should I get term or permanent?"

"What if I make the wrong decision?"

So... they do nothing.

Imagine you needed a vehicle to get to work.

Sure, a brand-new Bentley would be incredible. But if buying the Bentley means you never buy a vehicle at all, while a reliable Honda gets you where you need to go every day... which one is actually the better choice?

The Honda isn't flashy.

It isn't perfect.

But it gets the job done.

Insurance is no different.

Your first policy doesn't have to be perfect. It doesn't have to cover every possible scenario. It just needs to protect your family today.

As life changes, you can review it, increase it, add critical illness coverage, or upgrade your protection. Policies should evolve as your income, family, and goals evolve.

But you can't improve a plan that doesn't exist.

The biggest risk isn't buying "too little."

The biggest risk is having nothing at all.

If the unexpected happened tomorrow, your family wouldn't benefit from all the research you planned to do. They only have the protection you actually put in place.

So if insurance has been sitting on your to-do list because it feels confusing, give yourself permission to stop chasing perfection.

Do the C+ version.

Buy the Honda.

Get something affordable that fits your budget and protects the people you love.

You can always make it better later.

Progress will always protect your family better than perfection ever will.

07/08/2026

The most boring thing about you is probably your net worth.

If you're feeling overwhelmed by money, remember: a number on a financial statement doesn't define your worth as a person.

And if you've been avoiding conversations about life insurance, saving, or investing because you're embarrassed or don't know where to start, my inbox is always open.

No judgment. No shame. Just honest conversations and a plan to help you move forward.

[email protected]

Here is an article that Dana Spicer, a local mortgage professional, wrote in 2025 that seems fitting for the current int...
04/13/2026

Here is an article that Dana Spicer, a local mortgage professional, wrote in 2025 that seems fitting for the current interest rate environment. If you are either shopping for your first home and mortgage, renewing a mortgage, etc. I want to remind you that I have a network of fantastic professionals, including Dana, that you can access to help you explore the options available to you and get answers to questions you may have. Always feel free to send me an email or call/ text for a referral at [email protected] or 519-878-9148

03/31/2026

Some folks, too many, in my opinion, already have a difficult time talking about death or life insurance and often wait too late. Add to that the often poor opinion or stereotype of the "door to door insurance sales man" and toss in ads like this, and we are only accomplishing further pushing people out of having conversations that they need to have and legitimately could save their families a lit of heartache and financial stress.

There is nothing here in this ad that is incorrect, but it eludes to the boyfriend - and maybe you - thinking that this company would save you money. The truth is, all men, when compared to women of the same age and health, will pay more for their life insurance because, statistically, men die at a younger age than women. Women almost always pay higher costs when buying disability insurance because, statistically, they have a higher rate of becoming disabled.

Make sure you are working with a trustworthy independent professional like myself who doesn't rely on tricks to get you in the door or buying coverages.

If you want to chat about your needs or want a 2nd opinion on anything you have, please reach out.

Don't wait for the perfect time to protect your family’s future. Securing what you can now is the most responsible step....
03/30/2026

Don't wait for the perfect time to protect your family’s future. Securing what you can now is the most responsible step. Protecting them is a privilege.

Let's chat: [email protected].

Every day IVARI is providing Canadian families with quality, affordable protection options and the knowledge they need t...
03/23/2026

Every day IVARI is providing Canadian families with quality, affordable protection options and the knowledge they need to make informed decisions about their protection needs. They are more than just talk, they stand by their word. In fact, in 2025, they paid $565 million in claims over 4,000 coverages! I am happy to be able to have IVARI on my shelf of companies I work with and am able to offer to my clients.

YOU are invited to Home & Haute Couture Where Real Estate Meets Refined Style!Find your dream home and shop The Muse! ...
03/21/2026



YOU are invited to Home & Haute Couture
Where Real Estate Meets Refined Style!

Find your dream home and shop The Muse! Enjoy some treats while mixing and mingling with real estate, mortgage & insurance professionals, who are ready to guide you through the journey of finding your perfect property. Also, spend some time browsing an exclusive pop-up shop, showcasing high-end archival designer vintage clothing. Expert consultations with curated luxury pieces in an intimate, relaxed setting.

RSVP here -
https://tinyurl.com/Home-and-Haute-Couture

03/19/2026

The world feels heavy right now. You can feel it in conversations, in the news, in the quiet moments in between.

And it’s exactly why I do what I do.

I don’t just “sell” life insurance. I sit with families and help them protect what matters most.
I help parents make sure their children are taken care of, no matter what.
I help couples stay in their homes—even if life takes an unexpected turn through loss or critical illness.

This work isn’t about policies. It’s about people. It’s about love, security, and showing up for the ones who count on you.

But today, I also want to remind you of something just as important…

Step outside.
Touch grass.
Call your people and tell them you love them.
Laugh a little longer than usual.

Because at the end of the day, this is what we’re protecting. 🤍

Address

785 Wonderland Road South, Suite 255
London, ON
N6K1M6

Opening Hours

Monday 9am - 7pm
Tuesday 10am - 9pm
Wednesday 10am - 9pm
Thursday 10am - 9pm
Friday 9am - 3pm
Saturday 11am - 3pm

Telephone

+15198789148

Website

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