Our services

Insurance audits: The foundation of smart coverage

At Kelvin Chong Life Insurance Brokers, we believe that truly great insurance coverage starts with clarity. That’s why our insurance audit is at the heart of what we do.

What’s an insurance audit?

Many clients come to us with existing policies – some purchased years ago, others through banks, employers, or other advisors. What they often lack is a clear understanding of how those policies work, whether they’re still appropriate, or if they’re even necessary. That’s where we come in.

Our insurance audit is a comprehensive, unbiased review of your risk management and insurance needs, which brings everything into focus. We examine:

• Existing life, health, disability or business insurance policies
• How your coverage aligns with your life stage, family dynamics, and financial goals
• Gaps, overlaps, or outdated provisions that could leave you vulnerable or overpaying
• Opportunities for optimization, tax efficiency, and better long-term value

From there, we recommend a tailored mix of insurance products, if needed. We always keep your needs in mind, and there’s never pressure to buy.

Your insurance options

Depending on your situation, your ideal insurance strategy may include a mix of solutions, including:

• Life insurance. Term or permanent protection for your loved ones or business.
• No-medical and simplified issue insurance. Streamlined options for faster approval.
• Critical illness, disability and long-term care insurance. Providing coverage and support when the unexpected happens.
• Health and dental insurance. For extended personal or family healthcare.
• Travel insurance. Making sure you’re protected while you’re away from home.
• Creditor insurance. Coverage for outstanding loans or mortgages.
• Group benefits group savings plans. For business owners who want to support their teams.
• Investment-focused insurance. Giving you access to segregated funds, annuities and other options that offer security and legacy planning.

Whether you’re looking to protect your family and your future, are an incorporated professional with complex needs, or a business owner who’s looking for a comprehensive benefits plan for your employees, we start with the audit and build from there.

Behind our insurance audits are decades of experience, deep industry insight, and a no-nonsense approach. This means you can be confident you’re protecting what matters most – even as life deals you changes and challenges.