What to do when your client needs insurance, but it’s not your area of expertise

You know your client’s world inside and out. You’ve helped them plan their retirement, minimize taxes, grow a business, or structure an estate.
Then insurance comes up.

And suddenly, you’re navigating a maze of product comparisons, underwriting requirements, and policy fine print. You know your client needs coverage, but getting from “need” to “solution” can feel like crossing into unfamiliar territory.

That’s where we come in.

We specialize in partnering with professional advisors – lawyers, accountants, and planners – to help their clients navigate insurance with confidence. Our role is simple: to bring expertise, clarity, and collaboration to your client relationships, without pressure or complexity.

The value of partnership

Your client trusts you because you see the full picture. You understand their goals, values, and the strategies that will get them where they want to go. But when insurance enters the conversation, whether it’s life, disability, critical illness, or key person coverage, those details can quickly become technical.

You don’t need to become an insurance expert to serve your client well. You just need the right partner.

We act as an extension of your advisory team, bringing decades of experience in risk management and product implementation. Together, we make sure your client’s protection aligns seamlessly with their financial, legal, and tax strategies.

How we work with you

Every professional relationship we build starts with respect for yours.

Here’s how we support you and your clients:

1. Expert implementation

You’ve identified the need, we handle the details. From risk assessment and insurance audits to implementation, we ensure your client receives the right solution. Whether it’s protecting their income, business, or family, we match the strategy to their goals and budget.

2. Flexible collaboration

We can work entirely behind the scenes or join you in client meetings – whatever works best for your relationship. Some advisors prefer to stay hands-on throughout the process; others prefer to make the introduction and let us handle the rest. We adapt to your preferred approach.

3. Full transparency, zero pressure

Our commitment is to your client’s best interest, not to any product or provider. As independent brokers, we have access to Canada’s leading insurers, so our recommendations are always unbiased and tailored. You’ll always know what we’re proposing, why, and how it fits into your client’s broader plan.

4. Long-term focus

Insurance isn’t a one-time transaction. It’s a long-term component of your client’s strategy. We build plans that evolve as their life, business, and goals change, ensuring their protection grows alongside them.

Why professional collaboration matters

We believe in partnership, not competition.

When you bring us in, you’re not handing off your client relationship. You’re strengthening it. Together, we create a coordinated, well-rounded plan that protects your client from risk and supports the strategies you’ve already built.

Here’s what that looks like in practice:

• For accountants: we provide insurance solutions that align with corporate structures, shareholder agreements, and tax efficiencies. From key person coverage to succession planning, we help you ensure your client’s business continuity.
• For lawyers: we work alongside you to integrate insurance into estate or wealth transition planning, ensuring liquidity and security for your client’s beneficiaries.
• For financial planners: we take your high-level plan and handle the technical implementation, including policy selection, underwriting, and ongoing service, so you can focus on your client’s overall financial picture.
   

Our goal is the same as yours: a client who’s protected, informed, and supported by a trusted team of professionals.

The insurance audit: A collaborative starting point

One of the simplest ways to start a partnership with us is through an insurance audit – our signature service.

An insurance audit is a comprehensive review of your client’s existing policies, designed to bring clarity and uncover opportunities for optimization. Many clients already have coverage but aren’t sure if it still fits their goals. We assess what they have, identify any gaps or redundancies, and recommend improvements where needed.

It’s a transparent, no-obligation process, and a great way to demonstrate additional value to your clients without taking on the technical work yourself.

Your expertise + our expertise = Better client outcomes

When professionals collaborate, clients win.

Your insight into your client’s financial, legal, or tax picture is invaluable. Our deep understanding of insurance products and risk management ensures that protection strategies are designed and implemented correctly.

Together, we bridge the gap between planning and protection, so your client can move forward with confidence, knowing every part of their plan is aligned.

What our professional partners say

We often hear from advisors who tell us that working with us gives them the confidence to have more complete conversations with their clients. They don’t need to worry about navigating complex insurance details or product comparisons; they know they have a trusted resource who can step in when needed.

That’s the power of collaboration.

Let’s work together

Whether you want to explore partnership opportunities, have a specific client in mind, or just want to learn more about how we collaborate, we’re here to help.

Call Kelvin: 613-366-5222 ext. 1
Email: service@chongfinancial.com

Let’s make sure your clients have the protection they deserve, supported by a team you can trust.