{"id":3383,"date":"2025-01-22T01:13:56","date_gmt":"2025-01-21T20:13:56","guid":{"rendered":"https:\/\/101insurance.ca\/?p=3383"},"modified":"2025-03-27T16:47:25","modified_gmt":"2025-03-27T11:47:25","slug":"nghe-life-insurance","status":"publish","type":"post","link":"https:\/\/101insurance.ca\/vi\/nghe-life-insurance\/","title":{"rendered":"Ngh\u1ec1 Life Insurance Advisor c\u00f3 ph\u00f9 h\u1ee3p v\u1edbi b\u1ea1n?"},"content":{"rendered":"
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D\u1ea1o g\u1ea7n \u0111\u00e2y c\u00f3 m\u1ed9t v\u00e0i ng\u01b0\u1eddi b\u1ea1n h\u1ecfi th\u0103m m\u00ecnh l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 tr\u1edf th\u00e0nh Life Insurance Advisor t\u1ea1i Canada. Ngo\u00e0i nh\u1eefng ti\u00eau chu\u1ea9n theo quy \u0111\u1ecbnh c\u1ee7a nh\u00e0 l\u00e0m lu\u1eadt, th\u00ec c\u0169ng c\u00f3 m\u1ed9t v\u00e0i t\u00ednh c\u00e1ch kh\u00e1c m\u00e0 m\u00ecnh ngh\u0129 n\u00ean \u0111\u01b0\u1ee3c m\u1ed5 x\u1ebb chi ti\u1ebft \u0111\u1ec3 nh\u1eefng b\u1ea1n c\u1ea7n t\u00ecm hi\u1ec3u s\u1ebd c\u00f3 \u0111\u01b0\u1ee3c m\u1ed9t c\u00e1i nh\u00ecn to\u00e0n di\u1ec7n h\u01a1n.<\/p>\n

1. L\u00e0m m\u1ed9t b\u00e0i tr\u1eafc nghi\u1ec7m t\u00ednh c\u00e1ch<\/strong><\/p>\n

Tr\u01b0\u1edbc khi l\u1ef1a ch\u1ecdn b\u1ea5t k\u1ef3 ng\u00e0nh ngh\u1ec1 n\u00e0o, c\u00e1c b\u1ea1n c\u0169ng n\u00ean t\u00ecm hi\u1ec3u xem nh\u1eefng t\u00ednh c\u00e1ch th\u1ebf n\u00e0o ph\u00f9 h\u1ee3p v\u1edbi c\u00f4ng vi\u1ec7c \u0111\u00f3. Th\u1ebf m\u1ea1nh c\u1ee7a b\u1ea1n l\u00e0 g\u00ec? Nh\u1eefng th\u1ebf m\u1ea1nh hi\u1ec7n t\u1ea1i c\u1ee7a b\u1ea1n c\u00f3 ph\u1ea3i l\u00e0 1 l\u1ee3i th\u1ebf trong ng\u00e0nh hay kh\u00f4ng? Hay ng\u01b0\u1ee3c l\u1ea1i, n\u00f3 l\u1ea1i ch\u00ednh l\u00e0 \u0111i\u1ec3m y\u1ebfu trong ng\u00e0nh. V\u00ed d\u1ee5, n\u1ebfu th\u1ebf m\u1ea1nh c\u1ee7a b\u1ea1n l\u00e0 vi\u1ebft l\u00e1ch, li\u1ec7u b\u1ea1n c\u00f3 t\u1eadn d\u1ee5ng \u0111\u01b0\u1ee3c khi b\u1ea1n ch\u1ecdn tr\u1edf th\u00e0nh 1 \u0111\u1ea7u b\u1ebfp. C\u00f3 th\u1ec3, nh\u01b0ng c\u00f3 v\u1ebb khi\u00ean c\u01b0\u1ee1ng. Vi\u1ec7c hi\u1ec3u v\u1ec1 ch\u00ednh b\u1ea3n th\u00e2n, hi\u1ec3u v\u1ec1 t\u00ednh ch\u1ea5t ng\u00e0nh s\u1ebd gi\u00fap b\u1ea1n kh\u00f4ng b\u1ecb ph\u00ed ho\u00e0i t\u00e0i n\u0103ng c\u1ee7a ch\u00ednh b\u1ea1n. V\u00e0 m\u00ecnh tin r\u1eb1ng ai c\u0169ng c\u00f3 1 t\u00e0i n\u0103ng, c\u00f3 khi “l\u00e0m bi\u1ebfng” c\u0169ng l\u00e0 1 t\u00e0i n\u0103ng \ud83d\ude42 Ch\u00ednh v\u00ec t\u00ednh l\u00e0m bi\u1ebfng c\u1ee7a con ng\u01b0\u1eddi m\u00e0 ng\u01b0\u1eddi ta m\u1edbi ph\u00e1t minh ra m\u00e1y t\u00ednh. Ch\u1eb3ng ph\u1ea3i v\u1eady sao? V\u1eady n\u00ean h\u00e3y t\u00ecm ki\u1ebfm nh\u1eefng c\u00f4ng c\u1ee5 online \u0111\u1ec3 c\u00f3 th\u1ec3 l\u00e0m tr\u1eafc nghi\u1ec7m t\u00ednh c\u00e1ch c\u1ee7a m\u00ecnh. V\u1eady nh\u1eefng t\u00ednh c\u00e1ch nh\u01b0 th\u1ebf n\u00e0o s\u1ebd ph\u00f9 h\u1ee3p v\u1edbi ng\u00e0nh n\u00e0y?<\/p>\n

2. Nh\u1eefng t\u00ednh c\u00e1ch c\u1ea7n c\u00f3 c\u1ee7a m\u1ed9t Insurance Advisor<\/strong><\/p>\n

– Ki\u00ean nh\u1eabn<\/strong><\/p>\n

V\u00ec sao t\u00ednh ki\u00ean nh\u1eabn l\u1ea1i c\u1ef1c k\u1ef3 quan tr\u1ecdng trong ng\u00e0nh ngh\u1ec1 n\u00e0y? Kh\u00e1c v\u1edbi c\u00e1c s\u1ea3n ph\u1ea9m h\u1eefu h\u00ecnh, hay c\u00e1c d\u1ecbch v\u1ee5 d\u1ec5 hi\u1ec3u, b\u1ea3o hi\u1ec3m mang nh\u1eefng t\u00ednh ch\u1ea5t r\u1ea5t \u0111\u1eb7c th\u00f9. Vi\u1ec7c \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh c\u1ee7a kh\u00e1ch h\u00e0ng c\u1ea7n kh\u00e1 nhi\u1ec1u th\u1eddi gian. Th\u1ee9 nh\u1ea5t, th\u00f4ng th\u01b0\u1eddng nhu c\u1ea7u v\u1ec1 b\u1ea3o hi\u1ec3m hi\u1ebfm khi t\u1ef1 ph\u00e1t sinh, m\u1ed9t ng\u01b0\u1eddi th\u00f4ng th\u01b0\u1eddng \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh mua m\u1ed9t s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m l\u00e0 do m\u1ed9t c\u00fa h\u00edch. C\u00fa h\u00edch n\u00e0y c\u00f3 th\u1ec3 l\u00e0 t\u1eeb m\u1ed9t t\u01b0 v\u1ea5n vi\u00ean, m\u1ed9t ng\u01b0\u1eddi b\u1ea1n, m\u1ed9t cu\u1ed1n s\u00e1ch, ho\u1eb7c \u0111\u01a1n gi\u1ea3n l\u00e0 m\u1ed9t s\u1ef1 ki\u1ec7n ngo\u00e0i \u00fd mu\u1ed1n n\u00e0o \u0111\u00f3 ch\u1eb3ng h\u1ea1n nh\u01b0 tai n\u1ea1n b\u1ea5t ng\u1edd hay ng\u01b0\u1eddi nh\u00e0 m\u1ea5t s\u1edbm. V\u00ec v\u1eady, \u0111\u1ec3 g\u1ee3i l\u1ea1i nhu c\u1ea7u “\u1ea9n h\u01a1i s\u00e2u” n\u00e0y c\u1ee7a m\u1ed9t ai \u0111\u00f3, b\u1ea1n c\u1ea7n m\u1ed9t s\u1ef1 ki\u00ean nh\u1eabn. Nh\u1eefng k\u1ebft qu\u1ea3 nh\u1eefng g\u00ec b\u1ea1n l\u00e0m c\u00f3 th\u1ec3 s\u1ebd kh\u00f4ng \u0111\u1ebfn trong m\u1ed9t s\u1edbm m\u1ed9t chi\u1ec1u. V\u00e0 \u0111\u00f4i l\u00fac l\u00e0 ch\u1eb3ng bao gi\u1edd \u0111\u1ebfn \u1edf 1 s\u1ed1 tr\u01b0\u1eddng h\u1ee3p \ud83d\ude42<\/p>\n

– T\u00ednh k\u1ef7 lu\u1eadt & t\u1ef1 ch\u1ee7<\/strong><\/p>\n

\u0110\u00e2y l\u00e0 t\u00ednh c\u00e1ch c\u1ea7n thi\u1ebft c\u1ee7a h\u1ea7u h\u1ebft c\u00e1c c\u00f4ng vi\u1ec7c n\u00e0o mang t\u00ednh ch\u1ea5t self-employed. Kh\u00f4ng gi\u1ed1ng nh\u01b0 \u0111i l\u00e0m c\u00f4ng \u0103n l\u01b0\u01a1ng l\u00e0 c\u00f3 s\u1ebfp d\u00ed t\u1eadn m\u00f4ng, l\u00e0m c\u00f4ng vi\u1ec7c n\u00e0y h\u1ea7u nh\u01b0 b\u1ea1n ph\u1ea3i t\u1ef1 l\u00ean k\u1ebf ho\u1ea1ch, deadline cho m\u00ecnh, t\u1ef1 \u0111\u1ebfn ng\u00e0y \u0111\u1ebfn th\u00e1ng nh\u1ea5c m\u00f4ng l\u00ean \u0111i g\u1eb7p kh\u00e1ch, \u0111i\u1ec1n gi\u1ea5y t\u1edd, nh\u1eafc kh\u00e1ch thay \u0111\u1ed5i th\u00f4ng tin n\u00e0y n\u1ecd kia khi kh\u00e1ch \u0111\u1ed5i ch\u1ed7 \u1edf hay m\u1edbi ch\u00e0o \u0111\u00f3n th\u00e0nh vi\u00ean m\u1edbi. N\u1ebfu b\u1ea1n l\u00e0 ki\u1ec3u ng\u01b0\u1eddi ch\u1edd \u0111\u1ee3i ng\u01b0\u1eddi kh\u00e1c nh\u1eafc vi\u1ec7c m\u1edbi l\u00e0m th\u00ec b\u1ea1n n\u00ean t\u00ecm ki\u1ebfm m\u1ed9t ng\u00e0nh ngh\u1ec1 kh\u00e1c, ngh\u1ec1 n\u00e0y kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi b\u1ea1n.<\/p>\n

– Kh\u1ea3 n\u0103ng giao ti\u1ebfp<\/strong><\/p>\n

Tr\u01b0\u1edbc khi v\u00e0o ng\u00e0nh n\u00e0y m\u00ecnh ngh\u0129 r\u1eb1ng nh\u1eefng ng\u01b0\u1eddi t\u01b0 v\u1ea5n BH l\u00e0 nh\u1eefng ng\u01b0\u1eddi gi\u1ecfi n\u00f3i. V\u00e0 m\u00ecnh c\u1ee9 ngh\u0129 m\u00ecnh kh\u00f4ng ph\u00f9 h\u1ee3p. S\u1ef1 th\u1eadt r\u1eb1ng m\u1eb7c d\u00f9 m\u00ecnh giao ti\u1ebfp kh\u00f4ng t\u1ec7, nh\u01b0ng m\u00ecnh kh\u00f4ng ph\u1ea3i ki\u1ec3u ng\u01b0\u1eddi ho\u1ea1t ng\u00f4n. C\u0169ng kh\u00f4ng ph\u1ea3i ng\u01b0\u1eddi d\u1ec5 d\u00e0ng b\u1eaft chuy\u1ec7n v\u1edbi ng\u01b0\u1eddi l\u1ea1 ngo\u00e0i \u0111\u01b0\u1eddng. Nh\u01b0ng sau khi l\u00e0m trong ng\u00e0nh m\u1ed9t th\u1eddi gian, m\u00ecnh nh\u1eadn ra c\u00f3 m\u1ed9t c\u00e1ch giao ti\u1ebfp kh\u00e1c quan tr\u1ecdng h\u01a1n trong ng\u00e0nh n\u00e0y: \u0111\u00f3 l\u00e0 GI\u1eceI NGHE. N\u1ebfu b\u1ea1n \u0111\u1ec3 \u00fd 1 ch\u00fat s\u1ebd th\u1ea5y r\u1eb1ng nh\u1eefng ng\u01b0\u1eddi xung quanh ch\u00fang ta \u0111a ph\u1ea7n s\u1ebd n\u00f3i nhi\u1ec1u h\u01a1n nghe. V\u00e0 thi\u00ean h\u01b0\u1edbng t\u00e2m l\u00fd c\u1ee7a con ng\u01b0\u1eddi th\u00f4ng th\u01b0\u1eddng l\u00e0 th\u00edch \u0111\u01b0\u1ee3c ng\u01b0\u1eddi kh\u00e1c l\u1eafng nghe h\u01a1n l\u00e0 l\u1eafng nghe ng\u01b0\u1eddi kh\u00e1c. V\u00e0 m\u00ecnh c\u1ea3m th\u1ea5y may m\u1eafn v\u00ec m\u00ecnh l\u00e0 ng\u01b0\u1eddi v\u1eeba th\u00edch n\u00f3i nh\u01b0ng c\u0169ng th\u00edch nghe. Hay n\u00f3i c\u00e1ch m\u00e0 \u00f4ng ch\u1ed3ng m\u00ecnh hay ch\u00ea m\u00ecnh \u0111\u00f3 l\u00e0 “th\u00edch lo chuy\u1ec7n bao \u0111\u1ed3ng”. \u1eea. H\u01a1i bu\u1ed3n c\u01b0\u1eddi, nh\u01b0ng m\u00e0 n\u1ebfu b\u1ea1n l\u00e0 ng\u01b0\u1eddi c\u00f3 t\u00ednh “bao \u0111\u1ed3ng” th\u00ec c\u00f3 th\u1ec3 ngh\u1ec1 n\u00e0y s\u1ebd th\u00edch h\u1ee3p v\u1edbi b\u1ea1n \u0111\u1ea5y!<\/p>\n

– C\u00e1i t\u00e2m – “Ti\u1ec1n l\u00e0 t\u1ea5t c\u1ea3, nh\u01b0ng kh\u00f4ng n\u1eb1m tr\u00ean t\u1ea5t c\u1ea3”<\/strong><\/p>\n

\u00c0, c\u00e2u n\u00f3i tr\u00ean t\u1ef1 m\u00ecnh v\u1eeba ngh\u0129 ra th\u00f4i, ch\u1ee9 ko tr\u00edch d\u1eabn c\u1ee7a ng\u01b0\u1eddi n\u1ed5i ti\u1ebfng n\u00e0o \u0111\u00e2u :)) D\u0129 nhi\u00ean l\u00e0m ngh\u1ec1 n\u00e0o c\u0169ng c\u1ea7n c\u00f3 c\u00e1i t\u00e2m, tr\u1eeb m\u1ea5y ngh\u1ec1 ph\u1ea1m ph\u00e1p. Tuy nhi\u00ean, m\u00ecnh ngh\u0129 ngh\u1ec1 t\u01b0 v\u1ea5n b\u1ea3o hi\u1ec3m n\u00e0y c\u1ea7n r\u1ea5t nhi\u1ec1u \u0111\u1ea1o \u0111\u1ee9c ngh\u1ec1 nghi\u1ec7p. V\u00ec sao m\u00ecnh l\u1ea1i nh\u1ea5n m\u1ea1nh r\u1eb1ng “Ti\u1ec1n l\u00e0 t\u1ea5t c\u1ea3, nh\u01b0ng kh\u00f4ng n\u1eb1m tr\u00ean t\u1ea5t c\u1ea3”? V\u1edbi t\u00ednh ch\u1ea5t c\u1ee7a b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, kh\u00e1ch h\u00e0ng ph\u1ea3i \u0111\u00f3ng ti\u1ec1n li\u00ean t\u1ee5c su\u1ed1t 20-80 n\u0103m, v\u00e0 \u0111\u00f3 l\u00e0 s\u1ed1 ti\u1ec1n d\u00e0nh d\u1ee5m c\u1ea3 m\u1ed9t cu\u1ed9c \u0111\u1eddi. H\u01a1n c\u1ea3, s\u1ed1 ti\u1ec1n d\u00e0nh d\u1ee5m \u0111\u00f3 l\u1ea1i trao cho nh\u1eefng ng\u01b0\u1eddi h\u1ecd y\u00eau th\u01b0\u01a1ng ch\u1ee9 ch\u01b0a h\u1eb3n h\u1ecd s\u1ebd d\u00f9ng cho ch\u00ednh m\u00ecnh. V\u1eady n\u00ean, s\u1ed1 ti\u1ec1n \u0111\u00f3 l\u00e0 t\u1ea5t c\u1ea3 cu\u1ed9c \u0111\u1eddi c\u1ee7a h\u1ecd. C\u00f2n v\u1edbi ng\u01b0\u1eddi l\u00e0m ngh\u1ec1, th\u00ec \u0111\u1eebng xem s\u1ed1 ti\u1ec1n b\u1ea1n thu l\u1ee3i \u0111\u01b0\u1ee3c t\u1eeb m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m l\u00e0 \u01b0u ti\u00ean tr\u01b0\u1edbc nh\u1ea5t c\u1ee7a b\u1ea1n. Yes, ai c\u0169ng \u0111i l\u00e0m v\u00ec ti\u1ec1n. Nh\u01b0ng n\u1ebfu ch\u1ec9 ngh\u0129 \u0111\u1ebfn ti\u1ec1n, b\u1ea1n s\u1ebd kh\u00f4ng \u0111i \u0111\u01b0\u1ee3c \u0111\u01b0\u1eddng d\u00e0i v\u1edbi ngh\u1ec1 n\u00e0y. V\u00ec \u0111\u1ebfn 1 giai \u0111o\u1ea1n n\u00e0o \u0111\u00f3, khi b\u1ea1n b\u1ecb “say no” qu\u00e1 nhi\u1ec1u, b\u1ea1n s\u1ebd c\u1ea3m th\u1ea5y nh\u01b0 m\u00ecnh \u0111ang l\u00e0m vi\u1ec7c kh\u00f4ng c\u00f4ng, v\u00e0 t\u1ef1 h\u1ecfi “M\u00ecnh \u0111ang l\u00e0m c\u00e1i qu\u00e1i g\u00ec th\u1ebf n\u00e0y?” \ud83d\ude42<\/p>\n

C\u00f3 ng\u01b0\u1eddi l\u1ef1a ch\u1ecdn 1 s\u1ef1 nghi\u1ec7p n\u00e0o \u0111\u00f3 v\u00ec s\u1edf th\u00edch, nh\u01b0ng v\u1edbi ngh\u1ec1 n\u00e0y, \u0111\u00f3 l\u1ea1i n\u00ean l\u00e0 m\u1ed9t “l\u00fd t\u01b0\u1edfng”. Tr\u01b0\u1edbc nh\u1ea5t b\u1ea1n ph\u1ea3i hi\u1ec3u \u0111\u01b0\u1ee3c b\u1ea3n ch\u1ea5t c\u1ed1t l\u00f5i c\u1ee7a “b\u1ea3o hi\u1ec3m” suy cho c\u00f9ng v\u1eabn l\u00e0 d\u1ef1 tr\u00f9 k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh trong tr\u01b0\u1eddng h\u1ee3p r\u1ee7i ro x\u1ea3y ra. V\u00e0 r\u1eb1ng ai c\u0169ng n\u00ean c\u00f3 m\u1ed9t k\u1ebf ho\u1ea1ch nh\u01b0 th\u1ebf, v\u00e0 vi\u1ec7c c\u1ee7a b\u1ea1n – n\u00f3i 1 c\u00e1ch \u0111\u01a1n gi\u1ea3n l\u00e0 nh\u1eafc nh\u1edf cho m\u1ecdi ng\u01b0\u1eddi bi\u1ebft r\u1eb1ng h\u1ecd n\u00ean c\u00f3 m\u1ed9t k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh ph\u00f2ng ng\u1eeba r\u1ee7i ro x\u1ea5u nh\u1ea5t. V\u1eady th\u00f4i. Hi\u1ec3u \u0111\u01b0\u1ee3c c\u1ed1t l\u00f5i c\u1ee7a v\u1ea5n \u0111\u1ec1, tin v\u00e0o \u0111i\u1ec1u m\u00ecnh l\u00e0m l\u00e0 \u0111\u00fang, b\u1ea5t ch\u1ea5p m\u1ecdi th\u1ecb phi (ch\u1eafc ch\u1eafn s\u1ebd c\u00f3 l\u00fac g\u1eb7p ph\u1ea3i), th\u00ec b\u1ea1n m\u1edbi \u0111i l\u00e2u d\u00e0i tr\u00ean con \u0111\u01b0\u1eddng n\u00e0y \u0111\u01b0\u1ee3c.<\/p>\n

3. H\u1ecdc v\u00e0 l\u1ea5y license LLQP<\/strong><\/p>\n

Cu\u1ed1i c\u00f9ng, h\u1ecdc v\u00e0 thi license! Xin chia bu\u1ed3n 1 t\u1eb9o cho nh\u1eefng b\u1ea1n bi\u1ebfng h\u1ecdc. T\u1ea1i Canada n\u00e0y h\u1ea7u nh\u01b0 l\u00e0m ngh\u1ec1 g\u00ec c\u0169ng c\u1ea7n c\u00f3 b\u1eb1ng n\u00e0y n\u1ecd kia. N\u1ea5u \u0103n hay ph\u1ee5c v\u1ee5 bia c\u0169ng c\u1ea7n ch\u1ee9ng ch\u1ec9, hu\u1ed1ng chi l\u00e0 c\u00e1i ngh\u1ec1 t\u01b0 v\u1ea5n tr\u00ean s\u1ed1 ti\u1ec1n d\u00e0nh d\u1ee5m c\u1ea3 \u0111\u1eddi c\u1ee7a m\u1ed9t con ng\u01b0\u1eddi \ud83d\ude42 \u0110\u1ec3 tr\u1edf th\u00e0nh licensed insurance advisor, b\u1ea1n ph\u1ea3i h\u1ecdc m\u1ed9t kh\u00f3a h\u1ecdc v\u00e0 thi ch\u1ee9ng ch\u1ec9 g\u1ecdi l\u00e0 Life License Qualification Program (LLQP). M\u1ed9t kh\u00f3a h\u1ecdc LLQP trung b\u00ecnh kho\u1ea3ng 100 gi\u1edd h\u1ecdc. \u0110\u1ec3 n\u00f3i cho d\u1ec5 hi\u1ec3u h\u01a1n, th\u00ec kh\u00f3a h\u1ecdc n\u00e0y s\u1ebd c\u00f3 4 ch\u1ee7 \u0111\u1ec1 (modules) kh\u00e1c nhau. T\u00e0i li\u1ec7u cho m\u1ed7i ch\u1ee7 \u0111\u1ec1 s\u1ebd l\u00e0 1 quy\u1ec3n s\u00e1ch t\u1ea7m 200 trang. V\u1eady n\u00ean \u0111\u1ec3 ho\u00e0n th\u00e0nh kh\u00f3a h\u1ecdc n\u00e0y, b\u1ea1n s\u1ebd m\u1ea5t t\u1ea7m 2 th\u00e1ng t\u1edbi 1 n\u0103m t\u00f9y v\u00e0o tr\u00ecnh \u0111\u1ed9 v\u00e0 t\u1ea7n su\u1ea5t h\u1ecdc h\u00e0nh c\u1ee7a b\u1ea1n. Ph\u00ed h\u1ecdc \u1edf m\u1ed7i provider s\u1ebd kh\u00e1c nhau, giao \u0111\u1ed9ng t\u1ea7m kho\u1ea3ng $350-400\/kh\u00f3a. Ph\u00ed thi (\u1edf Ontario) kho\u1ea3ng $260\/l\u1ea7n thi. Thay v\u00ec t\u1ef1 h\u1ecdc thi & b\u1ecf chi ph\u00ed ra, b\u1ea1n c\u00f3 th\u1ec3 li\u00ean h\u1ec7 tr\u1ef1c ti\u1ebfp c\u00f4ng ty m\u00e0 b\u1ea1n mong mu\u1ed1n l\u00e0m, c\u00f3 th\u1ec3 h\u1ecd s\u1ebd t\u00e0i tr\u1ee3 ph\u1ea7n h\u1ecdc thi n\u00e0y. V\u00ed d\u1ee5 nh\u01b0 m\u00ecnh l\u00e0m agent cho Desjardins, th\u00ec sau khi m\u00ecnh t\u1ef1 b\u1ecf ti\u1ec1n h\u1ecdc & thi xong, k\u00fd h\u1ee3p \u0111\u1ed3ng v\u1edbi c\u00f4ng ty, h\u1ecd g\u1eedi l\u1ea1i cho m\u00ecnh ti\u1ec1n h\u1ecdc & thi nh\u01b0 l\u00e0 t\u00e0i tr\u1ee3 cho m\u00ecnh ph\u1ea7n n\u00e0y. Sau LLQP, b\u1ea1n c\u00f3 th\u1ec3 l\u1ef1a ch\u1ecdn h\u1ecdc cao h\u01a1n \u0111\u1ec3 l\u00e0m c\u00e1c c\u00f4ng vi\u1ec7c chuy\u00ean m\u00f4n li\u00ean quan, v\u00ed d\u1ee5 CPF, CLU… Nh\u1eefng c\u00e1i n\u00e0y m\u00ecnh s\u1ebd n\u00f3i c\u1ee5 th\u1ec3 h\u01a1n \u1edf 1 b\u00e0i vi\u1ebft kh\u00e1c.<\/p>\n

4. C\u00e1i t\u1ea7m – “Nhi\u1ec7t t\u00ecnh + Ngu d\u1ed1t = Ph\u00e1 ho\u1ea1i”<\/strong><\/p>\n

Ban \u0111\u1ea7u khi vi\u1ebft xong b\u00e0i n\u00e0y m\u00ecnh v\u1eabn ch\u01b0a post, v\u00ec m\u00ecnh ngh\u0129 \u0111\u00e2y l\u00e0 1 b\u00e0i vi\u1ebft r\u1ea5t quan tr\u1ecdng c\u1ea7n \u0111\u01b0\u1ee3c ch\u1ec9n chu. V\u00e0 m\u1ee5c 4 n\u00e0y \u0111\u00e3 \u0111\u01b0\u1ee3c th\u00eam v\u00e0o sau c\u00f9ng sau nhi\u1ec1u ng\u00e0y suy ngh\u0129. Tuy l\u00e0m trong ng\u00e0nh ch\u01b0a l\u00e2u, nh\u01b0ng m\u00ecnh \u0111\u00e3 g\u1eb7p 1 v\u00e0i “\u0111\u1ed3ng nghi\u1ec7p” r\u1ea5t nhi\u1ec7t t\u00ecnh v\u00e0 c\u00f3 t\u00e2m nh\u01b0ng kh\u00f4ng c\u00f3 t\u1ea7m. C\u00f3 1 \u0111i\u1ec1u m\u00ecnh lu\u00f4n kh\u1eafc c\u1ed1t ghi t\u00e2m t\u1eeb ng\u01b0\u1eddi s\u1ebfp m\u00ecnh r\u1ea5t n\u1ec3 ph\u1ee5c: “Don’t play around with other people’s money.” Khi l\u00e0m trong ng\u00e0nh n\u00e0y, b\u1ea1n \u0111ang l\u00e0 n\u01a1i m\u00e0 m\u1ed9t ai \u0111\u00f3 tin t\u01b0\u1edfng g\u1eedi kho\u1ea3n ti\u1ec1n d\u00e0nh d\u1ee5m c\u1ea3 \u0111\u1eddi. V\u1eady n\u00ean h\u00e3y d\u00e0nh th\u1eddi gian \u0111\u1ec3 h\u1ecdc v\u00e0 th\u1eadt s\u1ef1 hi\u1ec3u r\u00f5 c\u00e1c s\u1ea3n ph\u1ea9m m\u00e0 b\u1ea1n \u0111ang t\u01b0 v\u1ea5n cho kh\u00e1ch h\u00e0ng. H\u00e3y t\u01b0 v\u1ea5n \u0111\u00fang v\u00e0 ph\u00f9 h\u1ee3p!<\/p>\n

C\u00e1ch \u0111\u00e2y ch\u1eebng ch\u1ee5c n\u0103m, trong gi\u1edbi b\u1ea3o hi\u1ec3m r\u1ea5t th\u1ecbnh h\u00e0nh s\u1ea3n ph\u1ea9m Universal Life Insurance. \u0110\u00e2y l\u00e0 s\u1ea3n ph\u1ea9m r\u1ea5t \u0111\u1eb7c th\u00f9 m\u00e0 kh\u00f4ng ph\u1ea3i kh\u00e1ch h\u00e0ng n\u00e0o c\u0169ng ph\u00f9 h\u1ee3p. Tuy nhi\u00ean, kh\u00f4ng r\u00f5 v\u00ec nh\u1eefng agent t\u01b0 v\u1ea5n s\u1ea3n ph\u1ea9m \u0111\u00f3 thi\u1ebfu ki\u1ebfn th\u1ee9c hay v\u00ec c\u1ed1 t\u00ecnh m\u00e0 r\u1ea5t nhi\u1ec1u kh\u00e1ch h\u00e0ng \u0111\u00e3 ch\u1ecdn s\u1ea3n ph\u1ea9m n\u00e0y v\u00e0 kh\u00f4ng bi\u1ebft \u0111\u01b0\u1ee3c h\u1ec7 l\u1ee5y v\u1ec1 sau. Th\u00e0nh ra, nh\u1eefng kh\u00e1ch h\u00e0ng n\u00e0y sau khi v\u1ee1 l\u1ebd sau r\u1ea5t nhi\u1ec1u n\u0103m \u0111\u00f3ng ti\u1ec1n th\u00ec tr\u1edf n\u00ean th\u00f9 gh\u00e9t c\u1ea3 ng\u00e0nh b\u1ea3o hi\u1ec3m. Ch\u00ednh v\u00ec nh\u1eefng l\u00fd do nh\u01b0 v\u1eady m\u00e0 m\u00ecnh c\u00e0ng mu\u1ed1n vi\u1ebft nhi\u1ec1u h\u01a1n v\u1ec1 t\u1ea5t c\u1ea3 nh\u1eefng m\u1eb7t t\u1ed1t v\u00e0 m\u1eb7t tr\u00e1i c\u1ee7a ng\u00e0nh n\u00e0y \u0111\u1ec3 t\u1ea5t c\u1ea3 m\u1ecdi ng\u01b0\u1eddi, d\u00f9 kh\u00f4ng ch\u1ecdn mua b\u1ea3o hi\u1ec3m, c\u0169ng v\u1eabn c\u00f3 \u0111\u01b0\u1ee3c c\u00e1i nh\u00ecn kh\u00e1ch quan.<\/p>\n

M\u00ecnh ngh\u0129 ch\u1eafc nh\u01b0 v\u1ea7y c\u0169ng l\u00e0 kh\u00e1 \u0111\u1ea7y \u0111\u1ee7 nh\u1eefng th\u1ee9 c\u0103n b\u1ea3n. \u0110\u1ec3 m\u00e0 chia s\u1ebb nhi\u1ec1u h\u01a1n n\u1eefa ch\u1eafc h\u1eb9n cafe nha! Ch\u1ee9 m\u00ecnh kh\u00f4ng c\u00f3 \u00fd \u0111\u1ecbnh vi\u1ebft s\u00e1ch \u0111\u00e2u \ud83e\udd23 Qu\u00e1 d\u00e0i r\u1ed3i!<\/p>\n

Ch\u00fac c\u00e1c \u0111\u1ed3ng nghi\u1ec7p t\u01b0\u01a1ng lai s\u1ebd th\u00e0nh c\u00f4ng!<\/p>\n

Sarah Do<\/p>\n

Licenced Insurance Advisor.<\/p>\n","protected":false},"excerpt":{"rendered":"

D\u1ea1o g\u1ea7n \u0111\u00e2y c\u00f3 m\u1ed9t v\u00e0i ng\u01b0\u1eddi b\u1ea1n h\u1ecfi th\u0103m m\u00ecnh l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 tr\u1edf th\u00e0nh Life Insurance Advisor t\u1ea1i Canada. Ngo\u00e0i nh\u1eefng ti\u00eau chu\u1ea9n theo quy \u0111\u1ecbnh c\u1ee7a nh\u00e0 l\u00e0m lu\u1eadt, th\u00ec c\u0169ng c\u00f3 m\u1ed9t v\u00e0i t\u00ednh c\u00e1ch kh\u00e1c m\u00e0 m\u00ecnh ngh\u0129 n\u00ean \u0111\u01b0\u1ee3c m\u1ed5 x\u1ebb chi ti\u1ebft \u0111\u1ec3 nh\u1eefng b\u1ea1n c\u1ea7n t\u00ecm hi\u1ec3u s\u1ebd c\u00f3 \u0111\u01b0\u1ee3c m\u1ed9t c\u00e1i nh\u00ecn to\u00e0n di\u1ec7n h\u01a1n.<\/p>\n","protected":false},"author":2,"featured_media":3385,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","footnotes":""},"categories":[28,25],"tags":[48,47],"class_list":["post-3383","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-hiem-nhan-tho","category-bao-hiem","tag-bao-hiem","tag-tai-chinh"],"_links":{"self":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts\/3383","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/comments?post=3383"}],"version-history":[{"count":2,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts\/3383\/revisions"}],"predecessor-version":[{"id":3429,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts\/3383\/revisions\/3429"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/media\/3385"}],"wp:attachment":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/media?parent=3383"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/categories?post=3383"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/tags?post=3383"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}