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Kelvin Chong - Life Insurance Brokers Life Insurance | Risk Management | Income Replacement Meeting your life insurance needs.

Starting a new corporation comes with a lot of moving parts…and insurance often gets pushed to the bottom of the list. H...
10/14/2026

Starting a new corporation comes with a lot of moving parts…and insurance often gets pushed to the bottom of the list. Here are three common mistakes new business owners make, and how to avoid them:

1️⃣ Waiting too long to set up coverage. Once your corporation is active, you’re responsible for protecting it. Delaying coverage can leave both the business and your personal income exposed.

2️⃣ Choosing the cheapest option. Early cash flow matters, but the lowest premium isn’t always the best fit. Make sure the coverage will truly support how your business operates.

3️⃣ Forgetting to update personal policies. Incorporating changes how income flows, how ownership works, and how benefits should be structured. Personal coverage doesn’t always translate to corporate life.

A quick review can help you start off strong and avoid gaps that become costly later on.

📞Get in touch: 613-366-5222. We’re here to help you start strong.

10/09/2026

Happy Thanksgiving from all of us at Kelvin Chong Life Insurance Brokers!

This Thanksgiving, we’re grateful for our clients and the trust you place in our team. Thank you for allowing us to be part of your financial journey.

Our office will be closed on Monday, October 12 for the holiday. We’ll be back on Tuesday.

Wishing you and your loved ones a wonderful Thanksgiving! 🦃🍁

💰 What’s your most valuable asset? Your home? Your savings? Your investments?For many working Canadians, it could be the...
10/07/2026

💰 What’s your most valuable asset? Your home? Your savings? Your investments?

For many working Canadians, it could be their ability to earn an income.

Your paycheque supports your everyday expenses, savings and many of the financial goals you’re working toward. But what happens if an illness or injury suddenly prevents you from working?

In our latest article, we look at why your earning power deserves to be part of the risk-management conversation - and how disability insurance can help protect the income your financial plans depend on.

👉 Read the full article to learn more: https://bit.ly/3TJki5S

September 30 is a day to honour Survivors, their families, and the communities affected by residential schools. It’s als...
09/30/2026

September 30 is a day to honour Survivors, their families, and the communities affected by residential schools. It’s also a reminder of the work still needed to support healing, learning, and meaningful reconciliation.

We encourage everyone to take time today to listen, learn, and reflect - whether through community events, educational resources, or conversations at home and at work.

We stand committed to ongoing learning and understanding.

09/23/2026

Access to products is easy. Access to objective advice is rare. 🧭

Independent advisors don’t just show you what products are on the shelf. They compare, question, and stress‑test options to see what fits your needs.

In other words? We’re not focused on selling a policy. We’re here to help you understand the details - pricing, features, guarantees, flexibility - and choose the one that fits your life and supports your long term goals.

Your life isn’t generic. Your goals, your risks, your family, your future - they’re yours. And the advice you get should reflect that.

That’s what independent advice really offers: A clearer path, not a bigger product list.

📞 Curious whether your current coverage is still the right fit? Let's start with a conversation: 613-366-5222.

🌱 Many families spend years building financial security. Far fewer spend time preparing the people who will one day inhe...
09/16/2026

🌱 Many families spend years building financial security. Far fewer spend time preparing the people who will one day inherit it.

Passing wealth on to the next generation isn't just about documents, tax planning or accounts. It's also about helping your children develop the knowledge, values, and decision-making skills needed to support good financial choices.

Some questions worth asking are:

❓ Do your children understand the purpose behind your financial plan?
❓ Have you discussed your family's values and priorities?
❓ Are future decision-makers prepared to handle important financial responsibilities?
❓ Is there a plan for how your wealth will support future generations?

When it comes to planning ahead, the conversations matter just as much as the numbers.

Building wealth is one thing. Preparing your family to manage it well is another.

🔎Learn more about how to have meaningful financial conversations that support the next generation: https://bit.ly/4y4T0pC

✨ Team Spotlight: Amira Mamhikoff At Kelvin Chong Life Insurance Brokers, we believe the best advice comes from looking ...
09/09/2026

✨ Team Spotlight: Amira Mamhikoff

At Kelvin Chong Life Insurance Brokers, we believe the best advice comes from looking beyond today and helping clients prepare for tomorrow. As a Certified Financial Planner® and Life Insurance Broker, Amira brings decades of experience, thoughtful guidance, and a genuine commitment to helping clients make informed decisions for the future.

Here's a closer look at Amira.

☕ What’s your go-to coffee or tea order?
A medium decaf with 3 milk and 2 sweeteners.

🤎 At Kelvin Chong Life Insurance Brokers, we believe insurance is a partnership that evolves with your life. What does that mean in the way you work with clients?
It means taking the long-game approach. We don't just focus on where someone is today; we look ahead and consider what life may bring in the years to come. By planning for both today's needs and tomorrow's possibilities, we can build a strategy that evolves alongside our clients.

🛡️ What’s a lesson you’ve learned from working in insurance that’s stayed with you?
No one has a lease on life. Anyone, at any age, can experience a life-changing event that affects their health or insurability. That's why it's so important to put a plan in place while you have the opportunity, rather than waiting until you need it.

💬 When clients call in overwhelmed or unsure, what’s your approach to helping them feel informed and supported?
I start by listening. Once I understand what's worrying them and what they need, we can work together to find the best path forward.

📖 What’s a book, movie, podcast, or quote that’s had an impact on you?
Some say, "Patience is a virtue," but I say, "Time is of the essence." While thoughtful decisions are important, putting off planning can mean missing valuable opportunities.

⚠️ What’s one risk-management concept you think every Canadian should know?
Insurance is, at its core, a risk management tool. It's there to help protect you and your family from the financial impact of death, disability, or critical illness, so life's unexpected moments don't become financial setbacks.

✅ What part of your work gives you the most satisfaction?
Being able to deliver on the financial promise that a client planned for. Knowing that the coverage we put in place is there when it's needed most is incredibly rewarding.

3️⃣️ If you could describe Kelvin Chong Life Insurance Brokers in just three words, what would they be?
Integrity. Service. Knowledge.

🌍 When you’re not working, where can we find you?
Travelling whenever I can – or , if I'm at home, playing the game Last War. I also like to keep active with weight training and practicing yoga.

Amira's experience and thoughtful advice help clients navigate important decisions with greater confidence. Her focus is always on understanding each person's unique situation and helping them prepare for whatever the future may bring, and we’re thankful to have her on the team.

09/04/2026

With summer winding down and a busy season ahead, this extra day is a chance to take things slow - outside, at home, or wherever you enjoy the last stretch of warm weather. 🌤️

Our office will be closed on Monday, September 7 for Labour Day. We’ll be back to regular hours on Tuesday.

Wishing you a relaxed finish to the long weekend.

📚 A new school year often prompts parents to think about their children's future. For many families, saving for post-sec...
09/02/2026

📚 A new school year often prompts parents to think about their children's future.

For many families, saving for post-secondary education starts with an RESP. And this is for good reason! The government grant makes it one of the most effective ways to save for education. But…have you ever wondered whether there are other ways to invest in your child's future?

One option that often surprises people is permanent life insurance for children.

It's not designed to replace traditional education savings, but it can complement a family’s long-term plan once other priorities have been addressed.

Once all the other pieces of your financial plan are in place, such as the right protection plan, building an emergency fund and funding an RESP, permanent life insurance can become a valuable long-term planning tool. Depending on the policy, it may help:
✔️ Protect your child's future insurability while they're young and healthy.
✔️ Lock in lower premiums than they may qualify for later in life.
✔️ Build long-term value over time.
✔️ Become a meaningful financial gift they'll appreciate as adults.

Every financial tool has a purpose. The key is understanding which ones make sense for your family and when they should come into the picture.

In our latest blog, we explore why some parents and grandparents are adding permanent life insurance to their long-term planning conversations, and how it can complement (not replace) traditional savings strategies like an RESP.

👉 Read the full article: https://bit.ly/4gE2Zuh

💬 Trying to figure out what insurance makes sense for your life, or if the policy you already have is still enough? A qu...
08/26/2026

💬 Trying to figure out what insurance makes sense for your life, or if the policy you already have is still enough? A quote can get you started, but it’s only one piece of the puzzle.

Our complimentary, no-obligation insurance audit starts by understanding your goals, your priorities, and what you're looking to protect. From there, we compare options from multiple insurers to help you find coverage that's the right fit, and not just the lowest price.

People review their insurance for different reasons: starting a new chapter, updating an old policy, or simply wanting clarity on what they already have. Wherever you’re starting from, we’re here to offer objective guidance without any pressure to buy.

The right insurance isn't just about price - it's about protecting what matters most.

📋 Want a clearer picture of your insurance options? Start your complimentary insurance review and quote today: https://bit.ly/44NQZAZ

Address

200 Catherine Street, Suite 401
Ottawa, ON
K2P2K9

Opening Hours

Monday 9am - 4pm
Tuesday 9am - 4pm
Wednesday 9am - 4pm
Thursday 9am - 4pm
Friday 9am - 4pm

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