H.C. Hopper Insurance Agency Inc.: Staff Members: STEPHANIE KETCHIN

WORKING WITH STEPHANIE KETCHIN

Providing Insurance Advice to Families for 15 Years
BY REFERRAL

PROFILE

I am an insurance agent who focuses on insurance needs analysis and planning for families. I assist you in the development of an appropriate plan to achieve security for your family.

INTRODUCTION

I believe that it is important for my clients to understand what I do and what can be expected from a business relationship with me. I want my clients to understand what they can contribute to receive maximum value from working with me. I believe that this full, shared disclosure will serve as a solid basis for a long and mutually beneficial business relationship.

SCOPE OF SERVICES

While I am licensed to transact services in a number of classes of business, I specialize in Life Insurance, Living Benefit Products, and General Insurance for the individual and family. This includes completing an insurance needs analysis, applications for life insurance, critical illness insurance, and general insurance.

I am a Canadian Accredited Insurance Broker and a member of the Canadian Association of Insurance and Financial Advisors. I am also licensed to sell life insurance, accident & sickness insurance, and general insurance. As a requirement of the above, I maintain a vigorous annual continuing education program. I am currently working towards the designation of a Certified Financial Planner and a Masters Degree in Business Administration.

To provide my clients with a full range of products with expert advice, I am part of an innovative team at Hopper Insurance and Manulife Financial. This way, my clients can receive expert advice with other qualified professionals on disability insurance, business insurance, and retirement planning. When your needs require it, I will refer you to my most trusted market specialists.

WHAT YOU CAN EXPECT OF ME

1.	I recommend strategies and products I would use in similar circumstances.
2.	I only recommend products from high quality companies.
3.	I keep your information confidential as required by law.
4.	My recommendations are based on a thorough understanding of your situation.
5.	I offer annual reviews so that you can make any necessary plan modifications.
6.	I contact you when I feel that there is relevant information to share with you directly related to your plan.
7.	My staff or I respond to your telephone inquires as soon as we're able, and target "by the end of the next business day."
8.	You receive regular communication from my office.
9.	An endorsed referral is the highest praise I can receive for my work and I treat all new client introductions from you professionally.
10.	I look forward to hearing what other expectations you have of me.
WHAT YOU CAN DO TO MAXIMIZE THE VALUE OF OUR RELATIONSHIP
1.	Fully disclose the personal information I need to make a good recommendation.
2.	Seriously consider my recommendations.
3.	Do business with me on the services that I have drawn to your attention.
4.	Endorse my work to others when you believe I have been valuable to you.
5.	Tell me how I am doing.
COMPENSATION
1.	I am paid commissions by the companies where I place your business. It is paid to me when your contract is issued. I may also receive commissions each year your plan is in effect. I am also liable to repay commissions on certain products if you cancel or move your business.
2.	My most valuable compensation is your personal endorsement. I hope to build a relationship with you where you feel comfortable referring me to friends and associates that you feel might be able to benefit from meeting us.

6 DIVISIONS TO OFFER YOU FULL SERVICE
• Investment Products • General Insurance • Life Insurance • Disability Insurance • Group Benefit Plans • Banking •