The TK Advisor -TK Financial Group Ottawa Blog about Life Insurance, Critical Illness Insurance, Wealth Management and Estate Planning

Why we do not want to mergers in our industry ?

When a client is insurable and there are no impairments which will affect their premiums life is good . We represent leading insurers and this gives us options to better serve our clients . Problem exists where companies are in reality under one umbrella like Manulife , Power Corp. We are completing multiple applications to secure a client the best rate and we are doing so knowing that there may be a reason they will be asked to pay an additional premium or even worst declined coverage. London Life , Canada Life and Great West Life are all part of a same organization  . They will rarely compete with each other to get clients business by giving them a more favorable decision on pricing and the client loses .

AIG Life insurance

It has been a nightmare to figure out what will happen with this large insurer . In Canada , our regulatory requirements for insurers is different then that in US which gives me comfort . It would be a terrible day for consumers to have another insurer swallowed up by one of the other insurers and effectively minimize the competition in the marketplace . With mergers , you the consumer lose choice and pay higher premiums ! AIG is a very good insurer to deal with when underwriting policies and we as independent provider of products want them to be a solid choice of insurer for clients in future years . 

Never give up on you and have faith !

They say that having faith will help us get ahead and through life easier . What is faith ? Faith is believing that you are never alone even in the darkest moments . It is believing in humanity and that people are mostly good . Faith is believing that if you make a positive contribution to society you will be rewarded . Faith is knowing that whichever God you believe in , you are being guided . Never lose faith and trust !

Do you believe in MAGIC ?

What is magic ? Is it a illusion or reality ? Magic is created by each one of us when we want to and no training required . We all perform magic but sometimes we do not know it . Try thanking someone who gives you great service , watch their face beam . Take a minute and call someone to tell them how much you appreciate them for who they are . Tell your kid that they are special and watch MAGIC right in front of your eyes . We all perform magic and it can be done with genuine thankfulness .

Passion is missing in personal as well as business life !

What is passion ? Getting excited about aspects of your life and realizing how fortunate you are to live in this moment in time . We live in a great country at the time when opportunities are abundant . What do we need to tale advantage of these opportunities ? Desire , drive , strong work ethic , integrity and a will to serve humanity better each and every day .

Life Balance , what is that ?

The beauty of being self employed or a executive of a company is that you can work as many hours as you want and the flip side is at what price ? Are we taking care of our physical and mental health ? Are we thinking of our family needs ? People say to me I am looking for balance but I do not think there is ever perfect balance in ones life . You may have a lot of money but no time ! You may have a lot of possessions but terrible health ! You may know a lot of people but no TRUE friends . FIGURE OUT WHAT BALANCE MEANS TO YOU and search for it !

Are we going to have another election ?

It amazes me how self serving politicians can be at the expense of Canadians Like you and I . We need to focus on improving our economic outlook ans stop these politicians from flexing their muscles at our expense . It reminds me of little kids talking about whose dad is stronger !