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Building Financial Futures with Kelly Ketchen

• Julie Fairhurst • Episode 101

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This episode focuses on the transformative benefits of whole life insurance as a key financial planning tool for families. Listeners learn about the misconceptions surrounding life insurance, the importance of securing their loved ones' future, the difference between whole life and term insurance, and how these policies can help build wealth over time.

“I can teach you how to keep your money over generations in the same way the Rockefellers have!"  Kelly

• Understanding the emotional impacts of insurance decisions 
• Exploring the difference between whole life and term insurance 
• Analyzing the advantages of whole life insurance as a wealth-building tool 
• Comparing mortgage insurance and life insurance for financial security 
• The benefits of starting life insurance policies early for children 
• Encouragement for proactive financial planning and consultation 

Kelly Ketchen is a mum of three grown up human children, two girls and one boy,  and two fur babies.  She has over 12 years experience working in the life insurance industry and is licensed in both BC and Ontario. 

Last May, she won an award for her insurance work and for her expertise with Whole Life insurance.  She lives in the Fraser Valley, and when she isn't busy assisting people with their insurance, she can be found walking her dogs, painting different crafts or working with her sister on other projects.

LET'S CONNECT!

Phone: 604-318-9515

Email: kelly@macdevfinancial.com

IG: kellyerinketchen_excellence for her insurance tips with her dog Millie-Molly

Website:  www.macdevfinancial.com








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Who is Julie Fairhurst?
Julie Fairhurst is an accomplished author, writing coach, and the visionary founder of the Women Like Me Book Program.

With 36 published books and a proven track record of helping over 160 women become published authors, Julie is passionate about empowering women to find their voice, share their truths, and create meaningful connections through storytelling.

Julie’s writing programs, including her highly sought-after four-week course, provide women with the tools, guidance, and motivation to tell their stories confidently and leave a lasting impact.

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Speaker 1:

Well, hi everyone, and thank you so much for being here for another episode of Conversations with Women Like Me. I am your host, Julie Fairhurst, and I am really excited today because Kelly is our guest and she's going to tell you a little bit about herself. But what Kelly does for a living is quite interesting and she is going to help to bring clarification to all of the confusion out there for all of us, men and women, that are wondering about what direction that we should go. So, Kelly, thank you so much for being here and would you please tell us a little bit about yourself?

Speaker 2:

Well, first of all, julie, thank you so much for having me. I can't tell you how much I've been looking forward to this all day long. My name is Kelly Ketchin. I have three fantastic grown children. In fact, one of them just got accepted to UBC today, so I'm actually been a little excited about that. Congratulations, thank you. Thank you. I now have two at university, yeah, and so I have three lovely human children and I have two little fur babies. You may hear the little click, click, click as they walk along. They like to be near me, and I am very passionate about life insurance, specifically whole life insurance. I've been involved with it for about 12 years. I work with my sister, michelle, and her husband. They own MacDev Financial and it's just amazing how many misconceptions there are out there. So I am so happy to be on this so that we can clear up some of those misconceptions.

Speaker 1:

Absolutely, I think. And people get nervous when it comes to insurance, I think, Like I don't know, I don't know what it is, but I think it does make people get nervous.

Speaker 2:

I think it's because they have to actually realize that there could be a possibility of their mortality and just if they can avoid it, then that means it won't happen. But unfortunately, like with my children in school or their activities, if something happened to one of the parents and then the other parent, you know, either they're having to drain the child's education fund or they have to move because they can't afford the house, or they're setting up go fund needs even just to afford the house, or they're setting up GoFundMe's even just to afford the funeral. And this can easily be avoided and it's not expensive as a lot of people think.

Speaker 1:

Yeah, and it's nothing to be afraid of. It's. I think it's part of life and it's. It's one of those things that we do need to plan for, especially for, you know, if somebody has ever seen a family, who, who? The person who passed away didn't do any planning, and maybe they were the breadwinner or the long-term important person of the family. I don't know, but what a nightmare. Oh, I see. Yeah, my mom passed away and she didn't have a lot of assets, but still like, yeah, there's a lot of emotions with family and just everything that goes along with that, so it's good to have something.

Speaker 2:

Oh, absolutely. I mean it's good just to think of this is my backup, just in case it's not something that's going to happen, but it's just making sure it's a gift to your family of if something happens, you're still protected.

Speaker 1:

Yes, yes're still protected. Yes, yes, for sure. Yes, I remember actually, when we were talking, my stepfather passed away many years ago and we had to go to the government to get monies to pay for the funeral Because there was no resources there.

Speaker 2:

And like there is death benefits, yes, but it's not a lot. And people like I don't think people realize how expensive funerals and you hear of some people going, oh just put me in a box and we can't actually do that that's not actually a thing. Yeah, you could be in a box or cremation whatever you want, but there's still costs that go with it yes if it's really something that you want to have as an additional burden on your family.

Speaker 2:

When, yes, they're wondering well, how do we pay for food, and how do we pay for rent, and how do we? Yeah, yeah, and now we've got this as well.

Speaker 1:

Yeah, well, and, and I think what's really interesting about what you do is that, of course, you're in the business of helping people understand and plan for the future, for what might happen, for other things other than just death. Because the types of insurance that you offer is so interesting, because it's some it actually can financially help you. I think that's is that the whole life insurance.

Speaker 2:

Yes, so the whole life insurance and there's again, unfortunately, a lot of misconceptions with whole life and we get a bad reputation in the 80s because everyone was really on board with oh, we're gonna, you know, just get, you know, a little bit of term insurance for that, just in case. But you know, the stock markets are doing awesome. We're gonna put all our money in the stock market. Then you have things like, you know, the crash of like 1989. I know lots of. I mean, I was only a teenager but there was lots of families that they lost almost everything in that and you know, like my grandparents, you know they lost everything and instead of retiring they had to work. I mean, who wants to work when you're in your 70s?

Speaker 2:

yeah, my sister's husband lost half his retirement in the stock market crash yeah, and in fact, whole life is how people used to do their retirements, like in the 1920s. It's a concept that's been in canada since 1920. It's been in the united states since 1867, so it's nothing new, oh yeah it's nothing.

Speaker 2:

But unfortunately it lost a lot of its traction when RESPs came on the scene. But people retire differently. In the 50s, yeah, you have the housewife and then the. You know the husband had his pension from work and then the RSP would supplement that and if he made a little extra, well, he just put on to his wife's income because she didn't make anything, because she was a housewife. Right, don't live like that anymore.

Speaker 2:

In fact, you know, with you know, marriages being 50 percent divorce a lot of people aren't even married to pass on to you know, divide that income to a spouse, yes, with whole life, it is income that you know is going to be there. It's not tied to the stock market and unfortunately, a lot of agents don't do it properly. So I've actually, you know, on a side note, created a course to teach agents how to do it properly, because the whole life the benefits should grow and you hear people going oh, but it took me five years before I could take out $100. If you do it properly, it should be growing significantly faster, like in the end, like from day one. You can borrow from it.

Speaker 1:

Do you want to explain? So if somebody doesn't know anything about whole life, can you like explain it to me? Like I'm, like I'm five.

Speaker 2:

So you start off with, like, your death benefit. So I'm just going to use an example of one client. Okay, so this was for a 14 year old girl. Okay, the parents did a death benefit of 50,000. Now they're not thinking anything's going to happen to their 14 year old child. They're thinking this is money that is going to build that child. When they were 25 years old, they actually had the death benefit had grown to $120,000. Now again, that's not why they did it, but the child actually had $50,000 that they could use for their education.

Speaker 2:

And not only did they use it for education, she used it. She had opportunities with her dance troupe as a teenager and she was able to use the money for that. She had opportunities for other types of travel. Her brother used it to purchase a car because he was in the film industry. So he borrowed from the money and was able to purchase a car that enabled him to get this job in the film industry, which was a very well-paying job.

Speaker 2:

Wow, now some people they think oh well, it's a loan, do I have to pay it back? No, it's kind of yes and no. We encourage you to pay it back If you're taking out as a retirement when you're in your seventies? Absolutely not. Why would you do that when you're younger and you're making money, like, for example, the boy that bought up for the car? He paid it back within about a year because he was making lots of money. But the beauty of it is well, there's two beauties. One you actually still continue to earn dividend interest even if you've taken out the money. So he took out $10,000 to pay for a car. He was still earning dividend interest on that $10,000.

Speaker 2:

okay, so explain how that works because so it's through dividend interest, and still the insurance companies, because it's a loan, they still consider well, this is still, you know, your money oh, because technically you're paying it back, because you're paying it back, so it's still yours. Yeah, if you did it as a withdrawal, then there's tax consequences. You're not going to get a dividend interest. You know. It's just not a good way to go, whereas if you borrow from it and then you pay it back.

Speaker 2:

And the other beautiful thing is you don't have to have a schedule to pay it back. The brother, he paid it back in a year. The daughter has not paid anything back because she's at university and you know she's still yeah, she's getting it and she's like, yeah, well, you just don't have any money because I'm in the middle of a ba. Well, that's not a problem. Yes, your schedule, she could pay it back in 10 years.

Speaker 2:

In fact, she'd never pay it back if she wanted to yes, and that's fine, but her funds are still going to accumulate and build, even though she's borrowed that money. So even though you know, for example, the boy, the brother, he borrowed ten thousand dollars, it was worth a thousand dollars, he got interest, dividend interest, as though it was the full twenty thousand.

Speaker 1:

So one of our daughters who is 25, she's interested. I've mentioned that to you before. So she's interested with her husband and they don't have any insurance at the moment. But the really cool thing that I thought about that because she is younger is that by the time she's in her late 50s, early 60s, that's grown to like over 300 000 of which I think it was 220 or something like that she could actually take out to live on yes, and in fact, that daughter that I was telling you about, the one that's you know, used it for dance and school.

Speaker 2:

By the time she's 90, it's worth $3.9 million. Wow, and remember, life insurance is tax-free. Now, of course, she's probably going to be using that. I mean it is going to be for her retirement, yes, but theoretically she will have access to $3.9 million and she can access that in her. You know it would be less, of course, in her 60s, but you know it's going to keep building and building and building. Yes, yes, have that money that she has.

Speaker 1:

Yes, great retirement home it's that, it is, it's, it's fabulous, and I know that you had mentioned as well that even babies you can start your young kids off on this oh.

Speaker 2:

Oh, absolutely, you can actually get one of these policies on a child as soon as they are 15 days old. That's incredible, oh, it is, and I mean. The amazing thing with that, too, is like you're guaranteeing that, first of all, that they are going to have insurance for the rest of their life, because whole life, as the name says, they have it for the rest of their lives, their whole life. It's not like term, which is just a short portion, right, their whole life. So that child will be able to have access to money for university, they could have money for a wedding, they could have money for a down payment for a home, they could have, you know, their retirement, and they also even are able to have a legacy for their children and their grandchildren. Right, For example, if you, if you do a policy for your grandchild, yeah, also leaving a gift for your great grandchildren and your great great grandchildren, and it just keeps going down. And, of course, it's life insurance, so there's no taxes on it.

Speaker 1:

Right, right, and I think that the interesting thing is that the payments never go up.

Speaker 2:

No, and the beauty of doing it when you have a child is the payments are really, really low and you can get quite a lot of coverage. And, of course, it's building and building because, again, we're not you doing this for the death benefit, no, we're doing this for the financial gift that you are giving your, your child or your grandchild. Yeah, and the payments will never increase, even if they developed a medical condition. And I mean, unfortunately, children do develop medical conditions.

Speaker 1:

Yeah.

Speaker 2:

I've. I've insured children where one of the siblings could qualify and the other one didn't, and you know, if they'd done it when they were younger, they still would have had that. You know, that gift for both children, Right.

Speaker 1:

Right, I just think it's. Um yeah, because I think what I mean. What is there? What is the minimum payment that someone would have to make?

Speaker 2:

Uh, the minimum is 30, but I recommend 40 because it just has a better build to it. If you can do it, at least 40, you can go as high as you want it, of course, but I mean for $40 a month you can give a huge gift to your child that's going to build for the rest of their life. Wow.

Speaker 1:

Yes, that's it. Just, the whole thing blows me away the because I had, I had the life insurance, the term, and then, 10 years later, it of course ends, and then I find out it's like triple or quadruple the price. It's like I'm not paying, that I don't think so. And oh, and the other thing, kelly, that I was hoping that you could touch on is which which is what brought it into my head is mortgage insurance versus, yeah, the life insurance. So somebody buys a house and they're sitting with their banker and their banker says, well, you got to get it, you got to get mortgage insurance in case something happens.

Speaker 2:

Yeah, no, so yeah, you go ahead and explain that A lot of banks will make you think that you have to get their insurance. Now, you should have insurance because you don't want to be in one of those scenarios where, if something happens to one spouse, that the other spouse is completely at a financial loss and financially devastated Right At a time when they're already devastated. You don't need to compound that. Yeah. So if you, if the bank says you need insurance, would you like our insurance? You need to say no and, like you know, just do not sign anything. You do not want their insurance. Their insurance is the mortgage insurance. It insures and pays out to the first of all. It pays out to the bank. So if anything happens, it just pays out to the bank. And there's actually some banks where if, because you paid it off early, you have to pay the penalty.

Speaker 2:

Oh, and everyone's on to that I actually know of one family and one spouse passed away and they were like oh, it's OK, we have insurance. But no, what they had was mortgage insurance. The mortgage was paid out and then the bank goes oh well, you know, it's a shame that you just renewed your mortgage for a five-year term, because you have four and a half years left, so we have a bill of $50,000 to pay. Yeah, and they actually had to take out a mortgage to pay off how they paid off the mortgage, which was just so sad. They didn't need that. Yeah, if you get term insurance, first of all, you get the money, so you can allocate it how you want. If you just want to keep making payments until the mortgage renews, you can do that. Yeah, if pay it off and pay the penalty, you can do that.

Speaker 1:

Um but the other thing sorry to interrupt, but the other thing that I thought was not so great about the mortgage insurance is that if you start off with a mortgage of, we'll just use an easy number, a million dollars. It's just an easy number. So if you started off with a mortgage of a million dollars and you paid $500,000 of it off, but the mortgage is a million, or the insurance is to cover the up to a million, but they're only paying out what's left owing on the mortgage, it's not like, oh, the mortgage, here's 500 000 to pay off that mortgage. Oh, and here's another 500 000 in your pocket. So actually your insurance like it's like you're saying paying that same amount but for, and every month it's less because you're paying less to the yeah, it's just your mortgage. As your mortgage goes down, your insurance goes down.

Speaker 2:

So, yeah, so as you, if you have mortgage insurance, say you're paying a hundred dollars a month. Just to keep the numbers easy, say you're paying a hundred dollars a month for mortgage insurance. Your mortgage is decreasing, but you're still going to pay $100 a month. Right, the mortgage insurance does not increase. Now the other thing too every time you renew your mortgage you have to renew the mortgage insurance. So every five years, if you're doing the five-year term, every five years you have to renew your mortgage insurance, which means every five years it's going to get more and more and more expensive until you can't afford it.

Speaker 2:

Yeah, or the other scenario that often I have is, to be honest, anytime I've insured somebody and they've got rid of their mortgage insurance, it has easily been half of what they're paying to the bank, plus they actually get the money. So I've had one client and they were a diabetic, who were a heavy smoker. They were paying $500 a month to the bank. Goodness knows what it would go up to in five years after that. Yeah, I got them a policy for $250 a month, so half, and it was good for 30 years. He was never going to have to negotiate another. You know, term insurance, Wow, wow. And if anything happened to him, his wife would get that. Yes, yeah.

Speaker 1:

So I think what we're saying because this is my real estate background, is why I find the mortgage insurance so interesting, because I, of course, was a realtor for quite a number of years is that we're not saying don't get insurance.

Speaker 1:

We're saying be careful what kind of insurance you are getting, and investigate and ask questions. Don't just blindly sign because there's other options. Like the whole life investment is a much better option for your mortgage and even for mortgage insurance than it is to be paying the bank. I know I had a client once and they were the husband and wife. They were selling and they both smoked and they were both old but getting a little bit older, and I don't remember the exact amount, kelly, that they were paying every month. But I almost fell on the floor and I said why don't you just stop paying that and just pay that on top of your work? Like that's outrageous. I couldn't believe it was shocked. It was, I think, over six hundred dollars a month or something.

Speaker 2:

I couldn't believe it was so much oh, yeah, and especially like if you are in your 20s and you take out a term policy that's going to last you until I can get it like a 30-year policy, except what it is, it's either 30 years or until age 65, whichever is longest. You could be, like 25 years old, take out one of these policies so it's going to cover you literally for 40 years and you can get about, uh, four hundred thousand dollars of coverage for like about 25 a month. Yeah, and that's gonna be be it, and you'll, you'll, you'll, never pay more.

Speaker 1:

Yeah, yeah, yeah. It doesn't make sense to to not to not do that. And I think when, when people hear those big numbers, you know about those folks that you knew and my, my ex clients it's no wonder they're afraid to talk about insurance.

Speaker 2:

Well, they think it's going to be really expensive. But really it's not that expensive and I deal with a lot of different companies. So you know how mortgage brokers they find you the best price. Yes, that's what I do as a life insurance agent. I find you the best price. Some people you know if they are a smoker, it will be a bit more. Yes, if you've got medical conditions, it will be a bit more. Yes, if you've got medical conditions, it'll be a little bit more. Yes, the beauty of getting insurance when you're younger and you're healthy you keep that for the rest of your life and you could, you know, you know, be a very healthy 25 year old and then get every illness under the sun and decide I'm going to be a smoker and this, that and the other, and it won't increase, and it won't increase.

Speaker 1:

That's just crazy that it doesn't change. Yeah, yeah, yeah, that's the way to go. Why would I?

Speaker 2:

don't even know why. Anybody would do anything else really and you want to make be careful what insurance you get, because there are some insurance companies and actually a lot of mortgage insurances like this is they. They check out your medical history after you pass away. I only deal with companies that do the medical beforehand. So if you get your insurance and then you get sick or you have a heart attack or something, they may say oh, we're really sorry, but you don't qualify anymore. Right, there are some companies that are like that. That makes sense. That makes sense.

Speaker 1:

Yeah, so you've been paying, and paying, and paying, and paying, and paying and paying, and heaven forbid that that horrible day comes. And you're thinking to yourself well, thank goodness we did a smart decision and bought this insurance, only to find out oh yeah.

Speaker 2:

No, sorry. Yeah, so you want to make sure the medical is done ahead of time. And some people you know they get a little annoyed it's like, oh, it's going to take longer. It's just like, no, you want it to be poorly done. You want it properly done at the very beginning, before anything happens.

Speaker 1:

Yes, yes, for sure that I never even thought of that. But that makes that makes absolute sense, for sure. And yeah, people, I hope that by our conversation we've released some fears that people have and that you know it's not life insurance doesn't mean you're technically you're planning for your death, but you're planning for. You know what might happen to your family. Or if you're one of the lucky ones like my husband's grandparents who made it into their late 90s, well, you know, you're planning for extra money for your retirement to help care for you in those years.

Speaker 2:

Well, that's why I like the whole life. And with the whole life, if you're 18 and over, I can actually do a combo with the term insurance and the whole life. So the term insurance helps the whole life to build up even more. And that is my favorite thing to do, because just watching how, like some people think, oh, I don't want to spend that money on life insurance, yeah, but we join it with a whole life policy so it's like they're together. Then it's not like you're really throwing your money away. It's still building for you. Yeah yeah.

Speaker 1:

Well, when you were talking about the stock market, I thought, oh, should I tell my stock market story? And then I wasn't going to, but I will. So I dabbled a little bit in the stock market, maybe 20 years ago or so, and I had all these stocks and I went online, online one day and I couldn't find them. So I I got a hold of uh, my um, my uh, stock person, my investment lady, vanessa, and I said, hey, vanessa, I can't find those, my stocks. And she goes, oh, just a sec. And she goes and she looks on her computer and she goes, oh, yeah, that's oh, that company went bankrupt. And I said, oh, well, but what? What about my money? And she said, no, no, julie, the bank, they went bankrupt, your money's gone.

Speaker 1:

And I remember when that happened I thought own a flipping piece of property because dirt is not going anywhere. You know, because this that's, it's gone. I'll never see it again, it's gone. I thought, okay, thank you, no more. But you know there's safer ways to. I mean sure, you know you can. If you've got the cash, you can make some money in the stock market, but you have to be aware that one day you're looking for it and it's gone, yeah.

Speaker 2:

So, like, the nice thing with the whole life is it's stable. It will never go down. If it's worth you know, 1.2 million it's worth 1.2 million. It will never reduce and you can also borrow from it to buy that piece of dirt so that you can. You know, yeah, yeah and and so what?

Speaker 1:

what happens if I, if I borrow it and then I go? I don't really feel like paying this back you don't have to pay it back.

Speaker 2:

So that I mean that I mean we encourage you to pay it back, of course, of course course, but nobody.

Speaker 2:

there's nobody knocking on my door making phone calls, sending me letters, no, no, creditors, nothing like that. So there's nobody knocking at your door and it doesn't show on your credit rating. It's not on your credit rating. So if you're going to you know, buy it, you know a home, yeah and say you've borrowed, you know, borrowed some money from your insurance policy, it doesn't show up. So they're not going to say, oh, but you owe $20,000 on your policy. How much are those payments? It doesn't show up, it doesn't matter, it's not going to affect. Oh, right, so that's a really nice thing. So you could even use it. Borrow from your policy, maybe you know. Tidy up your credit rating. Maybe pay off your visa, pay off your mastercard, have it all looking clean, and then the mortgage broker will go oh, this is amazing, you owe nothing. Let me give you a great mortgage, yeah, yeah. And since the credit rating is so good, I can give you a better you know rating on your interest. Yes, and it's not going to show.

Speaker 1:

Right, yeah, no, that's an added bonus as well, wow. Well, kelly, you are a wealth of information. My dear Absolutely, and I encourage. I hope that we've had lots of lots of people, you know, watching it but I really encouraging. You know you work with men and with women, but I'm going to encourage all the single ladies out there that they should reach out to you and find, ask them, you know, get a, get a. What is it? A consultant, a consultation?

Speaker 2:

no-transcript that she is in control. Where's the stock market? You're not in control. This you are perfectly in control of at every single moment. If you need that money to expand your business, you can. If you want to save it for retirement, you can. If you want to use it to buy a condo and, just you know, buy your own ring for yourself. Yeah.

Speaker 1:

I just got shivers when you were talking. I love. I love it because I was just picturing, you know, there's a lot of people that aren't getting married and a lot of people that are choosing to stay single these days, and I was just picturing that single woman who has empowered herself to be able to care for herself and have a nice life in her retirement. Exactly that. Just that makes me almost teary eyed. I think it's wonderful. Well, kelly, what would you like to leave our audience with? What would you? Is there anything that you want? To make sure people understand, I'll just let everybody know. If you're watching or if you're listening on the podcast, I will have all of Kelly's details, how you can reach out to her, her contact information, uh, in the details section, so you'll be able to go ahead and do that, um, and I encourage you to she. You know she doesn't charge anything for consultations, and why not find out what she can do to help you? But anyway, um, but, kelly, what would you like to say to everybody?

Speaker 2:

I'm located in the fraser valley, but I'm actually licensed in both british columbia and ontario For these consultations. I'm happy to meet in person. We can meet at your home, we can meet at a you know, a nice coffee shop, or we can do a Zoom I like to call it a Zoom tea where we can get together. Instead of going out for tea, we can have tea at home via Zoom and we can just just get together. I can show you scenarios. Um, we can play around with numbers. I mean, I actually have an English degree. I majored in Shakespeare. Numbers was not my thing, but I don't know why. I just find it really exciting, you know, like playing with numbers. This is what we could do with, this is what we could, you know, create, and so I I just love doing that and I would just love to reach out to invite anyone who wants to get together and see how it could work for them. You know, get in touch with me.

Speaker 1:

You love it because you're helping people create wealth and you're and you're helping to empower them.

Speaker 2:

I do, you know. I just think it's great, you know, because it's something we're not taught in school. And then you have people going well, what do I do now? Yeah, Let me help. You see what you can do now.

Speaker 1:

Yes, yes, oh, that's great. Well, kelly, thank you so much for being here. I've learned a lot, and I'm sure that our listeners and our YouTube watchers have learned a lot as well. So I encourage you all reach out to Kelly. She doesn't bite, she's very friendly, as you can see, and you can have a cup of tea over Zoom If you're in Ontario. I don't think she's flying out to meet you, at least not today, but but hey, that's the awesome thing about, about Zoom. So you help people in British Columbia as well as in Ontario. Yes, that's beautiful, so don't be afraid, people Reach out to her. So thanks again, kelly. It was wonderful to have you here and wishing you all the best and hopefully we can chat again soon.

Speaker 2:

Sounds great, thank you so much for having me.

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