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Category: Life Insurance

The Need for Corporate Life Insurance

March 22, 2019Corporate Insurance, Estate Planning, Life Insuranceimport

Life insurance is used for two general purposes in a private corporation – managing risk and creating opportunities.  The risk management function is satisfied as life insurance provides the corporation with a tax-free payment in the event of the death…

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“If anything should happen to me….”

February 5, 2019Banking, Life Insurance, Will Planningimport

Don and Kate were nervously anticipating Don’s upcoming life saving surgery.  Don was also concerned that, should he not survive, Kate might not know everything that needed to be done upon his death.  The night before his surgery he made…

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Life Insurance – Do You Buy, Rent, or Borrow?

September 26, 2018Employee Benefits Program, Estate Planning, Life Insuranceimport

Without a doubt, life insurance is valuable protection provided by your employee benefit plan, but should it be the only life insurance coverage you have?  Probably not, if you want to ensure you have sufficient long term protection to cover…

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Optimizing Wealth Through Asset Re-Allocation

August 21, 2018Estate Planning, Life Insurance, Wealth Accumulation, Whole Lifeimport

If you are an active investor, your investment holdings probably include many different asset classes.  For many investors, diversification is a very important part of the wealth accumulation process to help manage risk and reduce volatility.  Your investment portfolio might…

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The Genetic Non-Discrimination Act and its Impact on Life Insurance

November 17, 2017Life Insuranceimport

One of the many advancements in medicine has been the use of genetic testing in determining the probability that an individual will develop a life- threatening illness or condition.   Knowing that you or your children are not at risk of…

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Insurance Audit for the Business Owner

October 16, 2017Corporate Insurance, Life Insuranceimport

Many business owners understand the important role that life insurance plays in effective corporate planning.  Whether it is the funding of a shareholders’ agreement, life insuring corporate debt, or protecting against loss from the death of a key employee, life…

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Charitable Gifting with Shared Ownership Universal Life Insurance

August 16, 2017Charitable Gifting, Life Insuranceimport

Many individuals have realized their charitable aspirations by donating a life insurance policy to the charity of their choice.  In situations where that donation is a Universal Life policy, the use of a Shared Ownership strategy could prove to be…

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Thinking of Cancelling Your Life Insurance?

March 13, 2017Life Insurance, Life Stagesimport

Have you found yourself wondering if you really need that life insurance policy you pay for every month?  You are not alone. As time goes on we often forget the reasons behind purchasing the amount and type of coverage we…

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What the Wealthy Know about Life Insurance

February 13, 2017Estate Planning, Investing, Life Insuranceimport

If you have ever thought that life insurance was something you wouldn’t need after you reached a certain level of financial security, you might be interested in knowing why many wealthy individuals still carry large amounts of insurance.  Consider the…

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Boomer + Sandwich Generation + Club Sandwich + Boomerang = Financial Instability

October 19, 2016Critical Illness Insurance, Disability Income Replacement, Estate Planning, Investing, Life Insurance, Life Stages, Living Benefits, Long Term Care, Retirement Planning, Will Planningimport

The Sandwich Generation was a term coined by Dorothy Miller in 1981 to describe adult children who were “sandwiched” between their aging parents and their own maturing children.  There is even a term for those of us who are in…

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Contact Us

Ong Financial Planning Services Ltd.
John Ong, CFP, CHS, CPCA, CCS
Financial Planner
Tel: (604) 676-1088
Email:

1275 West 6th Avenue 3rd floor
Vancouver, BC
V6H1A6

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    About

    John has been providing financial planning advice for over 15 years. John is currently licensed as a life insurance agent, accident & sickness agent, mutual funds representative*, Financial Planner, Certified Health Insurance Specialist, and Certified Professional Consultant on Aging. He specializes in personal financial planning advice with an emphasis on risk management, estate & retirement planning.

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