Clients

How do you manage your assets held in your professional corporation? How do you invest the retained earnings in the most tax efficient manner? How do you preserve the value of your corporation against the risk of premature death, disability and critical illness? In other words, how do you protect and unlock the value of your business when you need it?

Radiant Life Insurance and Private Wealth is well-versed in helping incorporated professionals protect, preserve and invest their hard earned money. We know every client is unique and to ensure the plan fits your needs, we will involve your existing trusted professionals like an accountant and investment advisor.

專業人士

您如何管理您公司的現金？如何投資將公司每年的盈餘投資在稅務優惠的標的物上？作爲公司的主帥，如果不幸早故，傷殘，危疾的風險，如何幫公司保存元氣。換句話來説，公司面對危機的非常時刻如何引入資金。

瑞光人壽和私人理財最擅長幫助專業人士的私人企業做風險管理和投資。我們非常明白，這些是您辛苦轉到的錢。因爲每個客人的情況不同，理財的擬定和執行必須符合您的情況，因此我們態度一向都是非常開放，只要您同意，我們會邀請您的會計師和銀行顧問一同參與規劃。

The most precious asset of your business are your people. Business entrepreneurs like you, create the vision, develop the plan and build the business. Your employees contribute by completing their duties like sales or customer service to help your company grow. Your efforts and results together determines the value of your company. This is why it’s important to treat them as valuable assets by looking after their wellbeing. Whether its through health or dental care benefits, or a group retirement savings plan, Radiant Life Insurance has access to many different companies that can help you attract and retain talent.

企業家

企業最重要的資產是人。企業主的您有遠見，創立了公司。員工的努力帶動公司的成長。可以説是公司價值，取決於老闆和員工的能力，因此更應該保護和保留優秀的人才。團體保險方面，不管是看牙，用藥等健康醫療保險，還是失能殘疾，重大疾病險，瑞光人壽能夠從全國各大保險公司中，找到最適合您公司的團體險。

Welcome to Canada. Many new immigrants are pleased to learn that the financial industry in Canada is well regulated. The cost of insurance is significantly lower than Asian countries as well. But when you’ve been invited to attend a seminar, you may wonder if the speakers have been fully transparent. Some things may sound too good to be true. After speaking to your friends and hearing their stories, you may have even more questions.

At Radiant Life Insurance we have a very strict philosophy on how we operate. We truly love our clients’ and their families. We strive to build a long term relationship that can last for decades. We promise to look after two, maybe even three generations of their family members. The quality of care is built on a good conscience. We don’t exaggerate features and benefits in seminars or ask clients to commit and sign applications on the spot. We don’t rebate premiums either. It is not allowed in Ontario and not how a professional relationship should begin.

We are thorough, transparent, and patient to ensure that our clients understand what they need, what they bought and how it fits their needs and budget. We want our clients feeling comfortable about their financial security plan, even ten or twenty years later. Many new immigrants come to us because of our complete client satisfaction process.

新移民

歡迎來到加拿大！新移民剛來，首先會發現這裏的金融法規完善，保險成本比亞洲低，希望為自己和家人買一份保障。但是被邀請去參加了所謂的保險理財講座，聼台上的主講人説的，似乎又有點半信半疑。上網一查，聽聽其他網友的意見，更有些擔心被這些金融理財公司是不是可靠。

瑞光人壽有著獨特的信念，我們真心關愛每一個成爲我們客戶的家庭成員，著重在建立能持續數十年的長期關係，照顧兩代，甚至三代的家庭成員。服務品質，經得起良心的考驗。我們不搞花俏聳動的理財講座，要客人當場簽約，也不讓客人被誤導簽下巨額保單。我們完全不給回佣，除了因爲回佣肯定會影響顧問和客戶之間的專業關係，更因爲保險經紀人給回佣給在這裏是犯法的。

我們會耐心仔細，毫不保留，用淺顯易懂的方式跟客人解説。客人清楚自己選擇了這份保單，確實符合他的需要和負擔能力。我們的期許是不管買了幾十年之後，客人仍然會覺得，當時買的這個選擇是對的。

Retirees are the most financially vulnerable group of people. Many questions float in their heads including: Am I going to be alright? Have I saved enough? Are my assets been managed properly? How do I transfer my assets to my loved ones in the most tax efficient manner? When you enter ages 70 to 85, there are important steps you must take to make sure the investment portfolio’s principal is protected from market risk and taxes are kept to a minimum in the event of death. And quite often, due to regulation and limitation, financial advisors at major Canadian banks are not equipped to provide this type of planning.

Radiant Life Insurance and Private Wealth’s priorities are to “preserve”, “grow” and “transfer” in that order. We have the expertise and experience to work with clients like you.

退休人士

退休人士是理財方面最需要關心的族群。您大概常常擔心，”我可以嗎？我存款足夠嗎？我現在的投資理財方法適當嗎？如何用最省心的方式將我的資產傳到家人和下一代呢？當您進入年齡約70-85的時候，最重要的一件事，就是為自己的資產做避險，確保投資和資產不會受到市場的波動風險，而且謹慎的資產配置，死後不會產生重稅的負擔。很不幸的，因爲銀行法規的限制，各銀行的理財顧問，並沒有提供這方面的建議和服務的能力。

瑞光人壽以及私人理財的三大使命，依順序是“保值”，“增長”，“傳承”。我們擁有充分的專業的知識，和多年的實務經驗，來幫助退休人士客戶。