Mark Lance Cabangon - Life & Wealth Solutions

Mark Lance Cabangon - Life & Wealth Solutions Financial Advisor • Vancouver | Helping all Canadians protect their future.

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11/18/2025

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Today, we stand with the people of the Philippines. 🇵🇭All across the country, thousands have gathered to raise their voi...
09/22/2025

Today, we stand with the people of the Philippines. 🇵🇭

All across the country, thousands have gathered to raise their voices against corruption. Corruption that has stolen resources, failed communities, and left families to suffer while billions disappear into the wrong hands.

What sparked the outrage? The recent revelations around flood control projects meant to protect people from typhoons and disasters that have been mishandled, poorly executed, or never even built. While ordinary Filipinos continue to face flooding, displacement, and hardship, funds that should have safeguarded lives are allegedly lost to greed.

This isn’t just about projects. It’s about accountability. It’s about a system that must put the people first, not the pockets of the powerful.

• Corruption takes away from hospitals.
• Corruption weakens schools.
• Corruption destroys trust in leaders.
• Corruption robs the nation of the future it deserves.

The rallies are not just protests. They are a reminder of the strength, resilience, and unity of Filipinos. People are demanding a government that serves, protects, and uplifts them. They are demanding transparency. They are demanding change.

To everyone in the streets today: You are not alone. The world is watching. And those who believe in justice, fairness, and dignity stand with you.

It’s time to end the cycle. It’s time to end corruption. ✊🇵🇭
For the people. For the next generation. For a Philippines that thrives.

Kabataan ang pag asa ng bayan.

Recently, I heard a story about a friend of a friend that really stayed with me. Her husband passed away unexpectedly, a...
09/17/2025

Recently, I heard a story about a friend of a friend that really stayed with me. Her husband passed away unexpectedly, and he wasn’t even 55 yet. In a single moment, her world completely changed.

She was left grieving and trying to cope with depression, all while raising their two children. On top of that, the mortgage and everyday bills didn’t stop coming. Suddenly she had to face the heavy reality of being the only parent, the only provider, and the one holding everything together.

It’s heartbreaking, because grief alone is already such a heavy weight. To add financial pressure on top of that — the mortgage, school expenses, groceries — it’s almost unbearable.

If only there had been something in place to ease that side of the struggle, maybe she could’ve had even a little more space to heal, to be present for her children, and to focus on moving forward one step at a time.

Stories like this remind me how fragile life really is. None of us know what tomorrow will bring, and the people we love most are the ones left to carry on.

So hold your loved ones close. Tell them you love them often. And if you can, make life just a little lighter for them while you’re here. ❤️‍🩹

I’ve had a lot of people sit down with me and say, “Mark, I don’t smoke,” when deep down they know they do. 🚬 And honest...
09/17/2025

I’ve had a lot of people sit down with me and say, “Mark, I don’t smoke,” when deep down they know they do. 🚬 And honestly, I get it. You’re worried it’ll raise your premiums or stop you from getting approved.

But here’s the truth: Insurance companies don’t just take your word for it. They do blood work, medical checks, even look at your history. If ni****ne shows up and you’ve said you’re a non-smoker, that can cause serious problems later:

• Your application might get denied.
• Or worse, your family tries to make a claim one day, and the insurer refuses to pay out because the information wasn’t honest.

That’s the last thing I’d ever want for you or your loved ones.

And I want you to know that when you talk to me, this is a judgment free zone. Whether you smoke daily, v**e occasionally, or are trying to quit, it’s okay. My job isn’t to judge you. It’s to help you get the right plan for your real lifestyle.

Yes, smoking does change how insurance companies rate you, but being honest from the start means you’ll get coverage that’s real. Coverage your family can actually depend on. Because paying a bit more is so much better than paying for years and leaving your family with nothing.

So if you’ve been holding back out of fear, don’t. This is a safe place. Message me anytime and we’ll go through your options together, no pressure, no judgment. My only goal is to make sure you and your family are protected, no matter what.

📩 DM me:
“Mark, I smoke/v**e but I want to know what my options are. Can we talk?”

This is where the saying “The rich people are getting richer, poor people are getting poorer.” applies.Insure your life....
09/12/2025

This is where the saying “The rich people are getting richer, poor people are getting poorer.” applies.
Insure your life. Leave legacy for your family and your name.
Leave wealth to your family not funeral debts. We call it love insurance after all ❤️

Before you buy insurance, here’s something you need to know: Term vs Permanent. What’s the difference?🌐 Term Life Insura...
09/04/2025

Before you buy insurance, here’s something you need to know: Term vs Permanent. What’s the difference?

🌐 Term Life Insurance is like paying for a Netflix subscription. You pay a small amount each month, and you get the benefits only while you’re subscribed. Once you stop paying or your subscription ends, you don’t get Netflix anymore.

Example: You get a 12-month gym membership because you want to get in shape. If something happens while you still have the membership, you’re covered (you can go work out). But after 12 months, it ends unless you pay again, usually at a higher price if you’re older.

✅ Pros
• Lower initial cost: Premiums are generally much cheaper than permanent life insurance.
• Simple to understand: Straightforward coverage without complex features.
• Good for temporary needs: Ideal for covering debts, income replacement, or children’s education during specific years.
• High coverage for low cost: Allows you to get a larger death benefit for the same price compared to permanent.

❌ Cons
• Coverage ends: If you outlive the term, you may be left without insurance.
• Rising renewal costs: Premiums increase significantly if renewed at an older age.
• No cash value: Provides protection only. No savings or investment component.
• May expire before need: If you still want coverage later, you may face higher costs or health restrictions.

🌐 Permanent Life Insurance is like buying your own house instead of renting. It’s more expensive, but you get to keep it forever and it also builds value over time.

Example: You buy a smartphone instead of leasing it. You pay more upfront, but the phone is yours for life. Plus, it has storage space (like the cash value) where you can save photos, videos, or files for later use.

✅ Pros
• Lifetime coverage: Stays in place as long as you pay premiums, regardless of age.
• Cash value growth: Builds savings you can access while alive.
• Fixed premiums (often): Many permanent policies lock in premiums, avoiding large increases later.
• Estate planning tool: Helps with inheritance, taxes, or leaving money behind.

❌ Cons
• Higher cost: Premiums can be more expensive than term.
• Complexity: Policies can have investment, fees, and interest rate components that are harder to understand.
• Opportunity cost: Money spent on higher premiums could potentially earn more if invested elsewhere.
• Surrender charges: Withdrawing early from cash value can reduce benefits and trigger fees/taxes.

Summary:
• Term insurance is usually best for short to medium term needs on a budget.
• Permanent insurance suits people who want lifelong protection, estate planning, or to build cash value.

So what type of insurance do you think suits you?

Good morning! 🌞 Just a daily reminder that life insurance isn’t just about money. It’s about love, protection, and peace...
09/01/2025

Good morning! 🌞 Just a daily reminder that life insurance isn’t just about money. It’s about love, protection, and peace of mind. 🩵

Labor Day is not just about hard work. It’s about the stories behind that work.To every parent who left their homeland, ...
08/31/2025

Labor Day is not just about hard work. It’s about the stories behind that work.

To every parent who left their homeland, carrying nothing but courage and hope for their children’s future… we see you. ❤️

To every immigrant who adjusted to a new culture, a new language, and a new life, often with fear in their heart but determination in their soul, we thank you. 🙏

Your sacrifices, your resilience, and your love built the foundation for the next generation. You remind us that true labor is not just in the hours worked, but in the dreams carried and the families protected.

This Labor Day, we honor you: the workers, the parents, the dreamers who keep moving forward despite the challenges. ✨

From our family to yours, Happy Labor Day!!

🧕🏻👷🏾👩🏻‍⚕️🧑🏽‍🌾🕵🏻‍♂️👨🏿‍⚕️👨🏽‍🌾👩🏼‍🏫👮🏼‍♀️💂🏼‍♀️👷🏻‍♂️👩🏾‍🍳

08/31/2025

Hola from Mexico! 🇲🇽✨

Surrounded by beaches and sunsets, one thing we never take a vacation from is financial security.
Life is full of adventures 🌍❤️ Protect the people and moments that matter most.

Whether it’s travel, life, health, or critical illness coverage, the right insurance gives you peace of mind to truly enjoy today while planning for tomorrow.

📩 Message us today and let’s build your safety net.

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Surrey, BC
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