Shawn WangINSURANCE AGENT
中文EN

Insurance Agent · British Columbia · English / 中文

Shawn Wang

Insurance decisions,
one step at a time.

Start with your family, current coverage and budget.

Discuss my situation Explore services

How I can help

Start with what matters to you.

Open a topic to learn more, or send a message if you are not sure where to start.

Protecting your family

A mortgage, children or a change in income: start by reviewing the protection you already have.

Life Insurance & Family ProtectionYou have a mortgage, children or family who depend on your income.

Assess income replacement, mortgage, education, debt and estate-related risks, then compare suitable ways to protect your family.

  • Term / Permanent Life
  • Mortgage Protection
  • Family Income Protection
  • Final Expenses
  • Estate & Beneficiary Planning
  • Corporate-Owned Life Insurance
Ask about this service
Critical Illness & DisabilityYou are concerned about expenses during illness or time away from work.

Illness or disability can disrupt income while everyday expenses continue. Review whether critical illness and disability coverage fit your situation.

  • Critical Illness Insurance
  • Disability Insurance
  • Income Replacement
  • Self-Employed Protection
  • Business Owner Protection
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Saving for what is next

Understand account options as you prepare for retirement, a first home or your child's education.

Investment & Retirement PlanningYou are saving for retirement or another long-term goal.

Understand investment options and long-term planning based on your goals, time horizon, risk tolerance and account type.

  • TFSA / RRSP / FHSA
  • Non-Registered Investments
  • Segregated Funds
  • Retirement Income
  • Education Savings
  • Estate Features

Investment values can rise or fall, and past performance does not guarantee future results. Recommendations require an individual assessment.

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Education SavingsYou want to understand RESP savings and education grants.

Understand RESP contributions, the Canada Education Savings Grant, BCTESG and practical ways to build education savings.

  • RESP Account Planning
  • CESG
  • BCTESG
  • Contribution Planning
  • Family RESP
  • Withdrawal Planning
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Tax and life changes

Find a starting point for Canadian tax questions, settling in Canada or becoming self-employed.

Personal & Family TaxYou have a personal tax, self-employment or CRA letter question.

Get help organizing and understanding common Canadian tax matters for individuals, families and self-employed clients.

  • Personal / Self-Employed Return
  • Employment Expenses
  • RRSP Tax Planning
  • Rental Income
  • Family Benefits
  • CRA Letters

Website content is general information. Complex corporate, legal or estate matters may require an accountant or lawyer.

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Newcomer PlanningYou are new to Canada and sorting out accounts, protection and tax basics.

Learn the basics of Canadian insurance, registered accounts, tax residency, family benefits and financial organization after arriving in Canada.

  • Insurance Planning
  • TFSA / RRSP Basics
  • RESP
  • Canadian Tax System
  • Family Benefits
  • Visitor & Travel Insurance
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Self-Employed & Business OwnersYou are self-employed or run a small business and want to review income and business risks.

Plan for income protection, tax reserves, retirement savings and business risks when employer benefits are not available.

  • Income Protection
  • Corporate Insurance
  • Key Person Insurance
  • Disability & CI
  • Retirement Planning
  • Tax-Efficient Support
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Read a little more

A mortgage and children: where do I start with family protection? How would I cover expenses if illness kept me from working?

The scope of any service depends on your circumstances. Complex tax, legal or investment matters may require the appropriate professional.

About Shawn · What to expect

Your situation first. The options come next.

I’m Shawn Wang, an Insurance Agent in British Columbia. I work in English and Chinese. We can start with your question, current arrangements and budget, then decide whether a closer comparison would help.

Start a conversation

  1. Start with your question

    Begin with the one concern you most want to discuss.

  2. Understand the situation

    We can discuss your current arrangements, family responsibilities and budget, then work out what needs a closer look.

  3. Decide on a next step

    Understand the options, costs and limitations before deciding whether you want to go further.

Optional tools · No registration

Put a few numbers to it.

Use a simple estimate to understand a question. You do not need to use a calculator before getting in touch. Calculator figures are not sent with your message.

Open the calculatorsLife insurance · Investment growth · RRSP · Emergency fund · Mortgage

Compare family responsibilities with existing coverage for a preliminary gap estimate, not a quote or personal advice.

Example figures

Prefilled figures are an illustration, not a recommendation. Explore them or clear the amounts and enter your own.

01

How much life insurance might I need?

Responsibilities to cover

Existing coverage and available funds

Optional: BC probate fee estimate
Estimated BC probate fees$6,650Based on the entered estate value and including the commonly applicable $200 filing fee above $25,000. This is not automatically added to the insurance need.View official BC rates ↗

Canada has no separate estate tax, but a final return may involve deemed dispositions, registered accounts and other taxes. A full plan should also consider spouse income, inflation, beneficiaries and professional tax advice.

Example result

Preliminary coverage gap

$1,025,000

This simplified estimate subtracts current coverage and available savings from family responsibilities. Budget, changes in income and policy terms also matter.

Explore family protection →Questions about this estimate? Get in touch

Results are preliminary estimates only and are not insurance quotes, investment advice, lending decisions or tax advice.

Before you reach out

A few things to know.

Know what to expect before deciding on the next step.

Is there a fee for the initial conversation?

The initial conversation is free, with no obligation to purchase. If a later service involves a fee, it will be explained before starting.

What should I prepare before reaching out?

Just the question you would like to discuss and a way to contact you. Do not send a SIN, banking information or medical records through this form. Any further documents can be discussed separately.

What happens after I send a message?

Shawn will reply using the contact details you provide to understand your question. If a further conversation is needed, you can arrange a time together. Sending a message does not confirm an appointment.

More on insurance, accounts and tax
I have group benefits through work. Do I still need personal insurance?

Group coverage is usually tied to employment and may have limited amounts or conversion options. The answer depends on your family responsibilities, current coverage and plans after leaving the employer.

How much life insurance do I need if I have a mortgage and children?

A proper estimate considers income replacement, mortgage, other debts, education goals, existing assets and budget—not only the mortgage balance.

What is the difference between Term and Permanent Insurance?

Term insurance focuses on higher coverage for a set period. Permanent insurance usually provides lifetime coverage and may include cash value. Costs, uses and limitations differ significantly.

Should I contribute to my TFSA or RRSP first?

It depends on current and future tax rates, home-buying plans, employer matching, cash flow and withdrawal needs. Many households use both accounts for different goals.

Should I use an FHSA or the RRSP Home Buyers’ Plan?

An FHSA can combine a tax deduction with a tax-free qualifying withdrawal, while the HBP requires repayment. The right order depends on available room, timing and income.

How do RESP government grants work?

Eligible contributions may receive the basic CESG. Available grants also depend on the child’s age, contribution history and household income. BC families should also review BCTESG eligibility.

What expenses can a self-employed person deduct?

Expenses generally need to be reasonable and directly related to earning business income, with proper records. Vehicle, home office, communication and professional costs each have specific rules.

Can a corporation own life insurance?

Yes, but the purpose, beneficiary, tax treatment and shareholder structure affect the outcome. Insurance, tax and legal professionals may need to work together.

How much money will I need for retirement?

Start with retirement timing, lifestyle costs, CPP/OAS, pensions, investment returns, inflation and longevity instead of relying on one simple multiple.

What travel insurance should visiting parents consider?

Compare pre-existing condition stability periods, age limits, deductibles, coverage amounts, exclusions and trip length—not only the lowest premium.

What should I do after receiving a CRA letter?

Confirm the response deadline and requested documents, keep originals and respond as instructed. Do not ignore the letter or change a return before understanding the request.

Should insurance, investment and tax planning work together?

Yes. Account choice, beneficiaries, cash flow, protection and taxes affect one another. Treating them separately can create gaps or duplication.

General educational information only. Applicable rules and your circumstances need to be confirmed.

Get in touch

What would you like to talk about?

The initial conversation is free. Shawn will use your details to understand your question and discuss next steps.

Your inquiry
Contact method *

Please do not include a SIN, banking information, passwords or medical records.

Messages are delivered through the third-party service FormSubmit to respond to this inquiry. Share only the basic contact information you are comfortable sending through this service.