Hi! My name is Nicholas Khaw I am a Financial Security Advisor with Freedom 55 and London Life. I joined London Life in 2010 after graduating from the University of Alberta with a Bachelor of Commerce majoring in Finance (BComm.) Becoming a Financial Security Advisor was a natural progression for me. I have continued my education, currently taking courses towards my Certified Financial Planner designation (CFP).I am extremely lucky to have found a job that I love. I am dedicated and passionate about Financial Security Planning. I tailor my financial planning services to each individual client. Building strong, long-term, and trusting relationships with my clients is the key to my success.
1. What is life insurance, and when is the best time to purchase life insurance ?
Life Insurance is a product that provides financial protection to clients in the case of death. It is most often used to protect a family, to cover debt/mortgage, or to pay for funeral expenses and other final expenses.The best time to purchase life insurance is now. The earlier you purchase life insurance the less expensive it will be and every year that you wait the cost of an insurance policy will go up.
Also, to qualify for a life insurance policy, you will have to pass a medical exam and you will never be healthier than you are now.There are a number of options available to you and I can help find a product that best fits your need and your budget.
2. How much life insurance should be purchased?
This is a common question many of my clients have when we first meet. The answer is different for everybody.
I can go through a Life Insurance needs analysis with you to help determine how much and what type of insurance would fit you best.
3. What is disability insurance and is it important to have?
Disability Insurance is one of the most important aspects to any financial security plan.
It protects a clients income in the case they are unable to work due to injury or illness.
A persons income is their biggest asset. Protecting your income should be a priority.
Lets imagine that you own a machine in your basement that prints money. Let’s say $50,000 a year for the next 20 years.
Would you insure that machine? How much would you pay to insure it?
4. What other type of insurance do you provide?
I can also work with clients on Critical Illness Insurance policies, Individual Health Insurance, and Group/Employee Benefits Health Insurance.
5. how can we get ahold of you?
You can reach me on my cell phone at (780) 655-2792 or by email at Nicholas.Khaw@f55f.com