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                  Kaizen Insurance and Financial Services Ltd

                  provides insurance and investment products and services to its clients in the provinces of British Columbia, Alberta, Saskatchewan, and Ontario.



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                  Our Mission and Vision Statement


                  Kaizen Insurance and Financial Services Ltd. (KIFS) is engaged in providing insurance and investment products and services to its broad clients in the provinces of British Columbia, Alberta, Saskatchewan, and Ontario.

                  KIFS shall continuously pursue excellence in customer-service, innovation and product offering to its clients delivered in a timely manner.

                  KIFS shall strive to develop better relationships with its clients, co-workers, and business partners.

                  - o -

                  "Kaizen" is a Japanese word which means" change for the better". Dictionary.com defines it as " a business philosophy or system that is based on making positive change on a regular basis..."



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                  Our Team

                  Comprised of licensed insurance brokers, financial advisors

                  with varied industry experience ready, willing and able

                  to offer their expertise to all our clients. 


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                  Mark A. Quintin, MDRT, MBA

                  Calgary, AB

                   

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                  Michelle Guanzo-Reyes
                  Calgary, AB
                  Financial Advisor/ Insurance Broker
                                                     

                  RJ Vistro
                  Edmonton, AB
                  Financial Advisor/ Insurance Broker

                  Aljay Ragadio
                  Calgary, AB
                  Financial Advisor/Insurance Broker



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                  Virginia M. Quintin, MBA

                  Calgary, AB

                   

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                  Marvin M. Quintin

                  Calgary, AB

                  Business Development/ Financial Advisor


                  Mary Ann Makin

                  Peace River, AB

                  Financial Advisor/ Insurance Broker


                  Angelo Baleta

                  Calgary, AB

                  Financial Advisor/ Insurance Broker


                  Mary Ann Samanta Mendoza

                  Calgary, AB

                  Financial Advisor/ Insurance Broker





                  Products and Services

                  Insurances - Living Benefits - Savings - Investments

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                  Life Insurance


                  Life insurance is an essential part of financial planning for the family. It protects the family in case something happens to a member of the family. Usually, of utmost importance is insuring the income earner member of the family.


                  Term Insurance


                  The simplest type of life insurance is what we call "Term Insurance". Two characteristics of such type is the affordability of its premium vis-a-vis a bigger coverage. Usually, this is taken to cover the debts of the family during the income earner's productive life span.


                  Permanent Insurance


                  Permanent Insurance is more expensive than a Term Insurance. However, it provides for versatility in terms of guaranteed premiums, level cost of insurance, cash value and surrender value.


                  Guaranteed Issue - Life Insurance


                  There are situations when we try to get insured and yet unable to, due to health reasons. There is still a recourse for this. You will need what we call a - Guaranteed Issue Life Insurance.


                  Investments - Segregated Funds


                  REGISTERED RETIREMENT SAVINGS PLAN (RRSP)

                  NON-REGISTERED RETIREMENT SAVINGS PLAN

                  REGISTERED EDUCATION SAVINGS PLAN (RESP)

                  TAX FREE SAVINGS PLAN (TFSA)


                  INVESTMENT LOAN

                  RRSP LOAN








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                  Living Benefits


                  Living benefits address, among other things, the loss income of oneself due to sickness or accident. Such benefits provide to reimburse medical expenses, replace loss of income, or simply provide for a lump sum amount to oneself.


                  Disability Insurance


                  This insurance is to replace lost income when one is unable to work due to disability, a consequence of sickness, and/or accident. It may be simplified or underwritten.

                   

                  Critical Illness


                  It pays a lump sum benefit amount to a person who has suffered a heart attack, stroke, coronary by-pass or cancer to name a few. The purpose of this insurance is to alleviate the burden to the survivor due to loss of income.


                  Long-Term Care Insurance


                  Fast forward, when one is too old to be able to take care of oneself, Long-Term Care Insurance will augment the benefits one can obtain from the health care system. Specifically, it is possible that one receives a monthly benefit from his Long-Term Care Insurance to augment other benefits.


                  Travel Insurance


                  Travel Insurance is aimed, among other things, providing reimbursement of medical expenses when one travels, spends time away from home, when one gets sick or possibly bring oneself back home.



                  What our clients say...


                  " We have talked to several advisors. And, we are very fortunate to have met you, Mark and Virgie. Your presentation is comprehensive. Thank you for the additional knowledge you shared with us to help our family with our financial planning. "
                  " We have talked to several advisors. And, we are very fortunate to have met you, Mark and Virgie. Your presentation is comprehensive. Thank you for the additional knowledge you shared with us to help our family with our financial planning. "
                  "When my mom fell sick and need to rushed her to the emergency in Peter Lougheed Hospital in Calgary I am so worried about the coverage of the insurance policy. Mark was the one who's calling the insurance company and following up the claim. In short the hospital expenses was settled directly between the insurance company and the hospital."
                  "When my mom fell sick and need to rushed her to the emergency in Peter Lougheed Hospital in Calgary I am so worried about the coverage of the insurance policy. Mark was the one who's calling the insurance company and following up the claim. In short the hospital expenses was settled directly between the insurance company and the hospital."
                  "Patience is a virtue. if you almost give up, Kaizen helps you out to support you, to do the rest. Thank you Kaizen."
                  "Patience is a virtue. if you almost give up, Kaizen helps you out to support you, to do the rest. Thank you Kaizen."
                  Three years ago. these couple introduced to me and my husband a Critical Illness, a health protection ( including stroke, heart problem etc.) They really have a good service by giving their clients information about insurance. They spend time and explain it properly. They will tell you the right protection and make sure that the monthly premium fits to your budget.
Last April, my husband suffered a stroke. We were so down and depressed as the incident was so unexpected. At an early age, we never thought that my husband will suffer from that illness. I immediately phoned our insurance broker about the incident. The support given to us was truly outstanding. They follow up and give us an update for our claims. Thanks God our claims got approved. My husband and I feel relieved and praying in time that everything will go back to normal. Now, I realized that is a must that everyone should have an insurance protection. We need to secure our future.
Truly God will never leave as empty. God will use something or someone to help your needs, to show that He is always near. God used our Brokers to solve our financial problems. Thank you Uncle Mark Quintin and Auntie Virgie. God Bless you and more power to Kaizen Insurance and Financial Services.
                  Three years ago. these couple introduced to me and my husband a Critical Illness, a health protection ( including stroke, heart problem etc.) They really have a good service by giving their clients information about insurance. They spend time and explain it properly. They will tell you the right protection and make sure that the monthly premium fits to your budget. Last April, my husband suffered a stroke. We were so down and depressed as the incident was so unexpected. At an early age, we never thought that my husband will suffer from that illness. I immediately phoned our insurance broker about the incident. The support given to us was truly outstanding. They follow up and give us an update for our claims. Thanks God our claims got approved. My husband and I feel relieved and praying in time that everything will go back to normal. Now, I realized that is a must that everyone should have an insurance protection. We need to secure our future. Truly God will never leave as empty. God will use something or someone to help your needs, to show that He is always near. God used our Brokers to solve our financial problems. Thank you Uncle Mark Quintin and Auntie Virgie. God Bless you and more power to Kaizen Insurance and Financial Services.

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                  " We have talked to several advisors. And, we are very fortunate to have met you, Mark and Virgie. Your presentation is comprehensive. Thank you for the additional knowledge you shared with us to help our family with our financial planning. "
                  " We have talked to several advisors. And, we are very fortunate to have met you, Mark and Virgie. Your presentation is comprehensive. Thank you for the additional knowledge you shared with us to help our family with our financial planning. "
                  "When my mom fell sick and need to rushed her to the emergency in Peter Lougheed Hospital in Calgary I am so worried about the coverage of the insurance policy. Mark was the one who's calling the insurance company and following up the claim. In short the hospital expenses was settled directly between the insurance company and the hospital."
                  "When my mom fell sick and need to rushed her to the emergency in Peter Lougheed Hospital in Calgary I am so worried about the coverage of the insurance policy. Mark was the one who's calling the insurance company and following up the claim. In short the hospital expenses was settled directly between the insurance company and the hospital."
                  "Patience is a virtue. if you almost give up, Kaizen helps you out to support you, to do the rest. Thank you Kaizen."
                  "Patience is a virtue. if you almost give up, Kaizen helps you out to support you, to do the rest. Thank you Kaizen."
                  Three years ago. these couple introduced to me and my husband a Critical Illness, a health protection ( including stroke, heart problem etc.) They really have a good service by giving their clients information about insurance. They spend time and explain it properly. They will tell you the right protection and make sure that the monthly premium fits to your budget.
Last April, my husband suffered a stroke. We were so down and depressed as the incident was so unexpected. At an early age, we never thought that my husband will suffer from that illness. I immediately phoned our insurance broker about the incident. The support given to us was truly outstanding. They follow up and give us an update for our claims. Thanks God our claims got approved. My husband and I feel relieved and praying in time that everything will go back to normal. Now, I realized that is a must that everyone should have an insurance protection. We need to secure our future.
Truly God will never leave as empty. God will use something or someone to help your needs, to show that He is always near. God used our Brokers to solve our financial problems. Thank you Uncle Mark Quintin and Auntie Virgie. God Bless you and more power to Kaizen Insurance and Financial Services.
                  Three years ago. these couple introduced to me and my husband a Critical Illness, a health protection ( including stroke, heart problem etc.) They really have a good service by giving their clients information about insurance. They spend time and explain it properly. They will tell you the right protection and make sure that the monthly premium fits to your budget. Last April, my husband suffered a stroke. We were so down and depressed as the incident was so unexpected. At an early age, we never thought that my husband will suffer from that illness. I immediately phoned our insurance broker about the incident. The support given to us was truly outstanding. They follow up and give us an update for our claims. Thanks God our claims got approved. My husband and I feel relieved and praying in time that everything will go back to normal. Now, I realized that is a must that everyone should have an insurance protection. We need to secure our future. Truly God will never leave as empty. God will use something or someone to help your needs, to show that He is always near. God used our Brokers to solve our financial problems. Thank you Uncle Mark Quintin and Auntie Virgie. God Bless you and more power to Kaizen Insurance and Financial Services.



                  Contact Us


                  • External link opens in new tab or window +14036088066
                  • External link opens in new tab or window info@kaizeninsurance.ca
                  • External link opens in new tab or window Suite 106, 202-191 Edwards Way SW, Airdrie, AB T4B 3E2
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                  KAIZEN INSURANCE AND FINANCIAL SERVICES LTD

                  Phone: +14036088066 | Email: info@kaizeninsurance.ca | Office Hours: Mon-Fri 9:00 AM to 5:00 PM


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