Welcome to the website of Kin Y. Fok - Financial Advisor and Registered Insurance Broker

About Me

Welcome to my website! I'm Kin Fok.

I am a financial advisor and Registered Insurance Broker, duo-licensed in Ontario to provide services for both Life and RIBO sanctioned financial products.

My business is modelled on the broker system where I shop the market to find you the most suitable product or insurance company to match your needs and circumstances.

Difference between a Brokerand an Agent:

A broker has a network of companies and insurers, often with competing products, that he/she deals with to find a suitable match for your needs - a broker works in your interest. An agent is the representative of an insurance company and is employed to promote its offerings and interests.

My career in the industry started in 1996 when I was recruited by the Mutual Group (now part of Sun Life) as a trainee agent. Here, I received extensive exposure to, and training in, life products, living benefits, and investment funds, thus gaining the necessary experience to be a financial advisor. During this period, apart from getting my Levels I & II Life License, I also completed the Canadian Investment Funds Course offered by The Investment Funds Institute of Canada (IFIC). Later I joined an independent brokerage where I successfully qualified for my RIBO license as well.

In February 2001, I moved to York Alliance Insurance Brokers Inc. and this has been my home base ever since. With its vast resources of efficient personnel and disciplined brokers, this brokerage is well-respected in the industry and has gained preferred status among many of the companies it deals with. Its line up of carriers include most of the major automobile and home insurers that utilize the broker network, as well as smaller niche companies that specialize in selected markets. Operating from the same address and sharing facilities, Financial Depot Inc. is the life insurance arm and sister company to York Alliance. It is the award-winning MGA (Managing General Agent) to Industrial Alliance and AGA (Associate General Agent) to Canada Life and Transamerica Life.

All of my general insurance products (home and auto insurance, and commercial insurances) are distributed through York Alliance. However, due to complexities and differences among the many life and money products available from different companies, I also work in association with other MGAs to take advantage of their array of carriers to bring you better choices and solutions when you plan your finances.

Your financial goals are my goals, whether they be as simple as finding a good rates for your personal insurance or as complex as planning your retirement strategies in the face of a bear market.

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