Theodore Lim

Insurance Advisor
Investment Representative

Provides practical and simplified financial security advice and planning services for Retirement Planning, Investment Option Selection for short or long-term goals, Estate Planning and Preservation. I also help clients understand their existing policies from other service providers. When I’m not working with my clients, I enjoy serving in the music ministry, volunteer works in marginalized and vulnerable groups. I am here to help, serve and understand your needs including your wants.


Contact me today to learn more

Recent posts

Take your donation dollars further

Jun 01, 2023 - Canada Life

Is charitable giving a part of your financial planning? Find out how you can take your donation dollars further...

Read more

Financial planning for 2SLGBTQI+ families

May 24, 2023 - Canada Life

From financial planning to estate planning, there are many aspects to financial wellness that are unique to 2SLGBTQI+ individuals, partnerships and families. Here are some considerations for your individual 2SLGBTQI+ financial planning...

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Four tips to help you make the most of your landscaping budget

May 15, 2023 - Canada Life

Don’t break the bank on your home landscaping...

Read more


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Ask an advisor: What is inflation? – Canada Life

Learn about inflation and how it impacts your financial plan.



View video script


Description: This animated video introduces a character named Sarah and her advisor with illustrated graphics to explain inflation.

Text: Ask an advisor: What is inflation?

Description: An illustration of a bar graph with an upwards arrow draws into the frame.

Sarah: I’ve been hearing a lot about inflation. Should I be worried?

Description: Sarah sits in the advisor’s office. The advisor nods his head and smiles. His laptop sits on the desk between them.

Advisor: One of the best reasons to have a financial plan is to help you manage inflation.

Description: Cut to a medium shot of the advisor gesturing with his hands.

Advisor: Inflation is the gradual rise in the prices for all the goods and services you buy,

Description: A stack of coins is shown. Two coins roll into the frame and are added to the stack.

Advisor: including groceries, transportation and maybe your spring break vacation.

Description: Illustrations appear: a paper bag of food for groceries, a gas pump for transportation and an airplane for vacation.

Advisor: While we hope prices won’t go up, some inflation is the sign of a growing, thriving economy.

Description: A coin from the stack starts to roll along a line. The coin continues to roll as the line grows to a peak and then dips downward. Text “1-3% per year” appears onscreen.

Advisor: That’s because it encourages consumers to spend money now, rather than later when the price could be higher.

Description: More coins fall into the frame.

Advisor: But inflation can be a problem if your pay cheque can’t keep up.

Description: The camera pans downward to large text that compares a “1% raise” to “3% inflation.” A hand holding a pay cheque moves into the frame.

Advisor: Over time, you may not be able to afford to purchase as much as you previously did, lowering your standard of living.

Description: The illustrations of groceries, transportation and vacation return. Dollar signs flow outwards from each.

Advisor: This is especially important in retirement when your income may be more fixed and not able to grow with inflation.

Description: A graph appears. A straight dotted line labelled “Fixed income” draws into the frame. A second line draws in an upward motion, showing rising inflation.

Sarah: Oh, that makes sense!

Description: The camera zooms out of the graph to reveal the advisor’s laptop and Sarah in his office.

Advisor: Let’s talk about how you can create a financial plan with inflation in mind.

Description: The advisor gestures towards his screen, Sarah smiles.

Text “Let’s talk. Contact me today.” appears onscreen with the Canada Life logo and legal line: “Canada Life and design are trademarks of The Canada Life Assurance Company. 1-204-946-1190.”

Ask an advisor: Mortgage or individual life insurance? – Canada Life

Find out why individual life insurance is your most flexible option to help protect your family financially when buying a home.



View video script


Description: This animated video introduces a character named Aiko and her advisor with illustrated graphics to show the difference between mortgage insurance and life insurance.

Text “Ask an advisor” appears. The camera zooms out as the text lands in an outlined square. “Mortgage insurance or life insurance?” fades in below. An illustration of a shield with a checkmark draws on the right side of the frame.

Aiko: What’s better? Mortgage insurance or individual life insurance?

Description: Aiko appears in a video chat window on a computer screen. Her advisor’s head nods to the right of the frame.

Advisor: I’d always recommend individual life insurance.

Description: Cut to a split-screen of Aiko at home on the left and her advisor in his office on the right.

Advisor: With mortgage insurance, when you die, the money goes to the lender, and they use it only to pay down your mortgage.

Description: An illustration of home draws into the frame. The home moves over to the left and an arrow animates in, pointing towards a box labelled “Mortgage.”

Advisor: As well, your premium payments stay the same while the balance of your mortgage and your insurance coverage decreases.

Description: Cut to a line graph labelled “Mortgage insurance” showing coverage over 10 to 50 years. The coverage decreases over time. The advisor’s hand enters the frame and draws a straight line from the top of the coverage to 50 years, dollar signs pop in to show payments. The camera zooms out to show a line graph of “Individual insurance” where the coverage and payments stay the same.

Advisor: But with individual life insurance, you decide who receives the money and how it’s used. It could be to pay off the mortgage. But it could also pay off other debt, or fund an education or a retirement plan.

Description: An illustration of a shield draws into the frame. A dotted line connects the shield to four boxes labelled “Mortgage,” “Debt,” “Education” and “Retirement.”

Advisor: You also get to say how long your coverage lasts – for a short term or for your lifetime, even after your mortgage is paid.

Description: Cut to bar graph displaying the length of insurance coverage from “Present” to “Lifetime.” The advisor’s hand moves into frame, adjusting the bar from 10 years to lifetime coverage.

Advisor: That’s just a couple of the ways individual life insurance gives you more choice and flexibility in how you protect yourself and your loved ones.

Description: Cut back to the split-screen of Aiko and her advisor.

Text “Contact me today to talk about your insurance needs.” appears onscreen with the Canada Life logo and legal line: “Canada Life and design are trademarks of The Canada Life Assurance Company. 1-204-946-1190.”