I am fully licensed by Insurance Council of BC for Life, Accident, and Sickness Insurance.  I am also licensed for registered edcuation savings plan products by BC Securities Commission.  Without obligations, I would be happy to meet with you to review your situation and advise you accordingly.  I am part of World Financial Group Insurance Agency of Canada (
www.wfg-online.ca).  
I am based in Victoria where I have lived for more than 30 years.  Services are provided in English and Mandarin.   Please give me a call at (250) 478 6175 or e-mail: 
universal-life@live.com