Assurance For Your Future
with all the surprises life has laid out before us these past two years, it stands to reason that you would be questioning where you will be in the future. A little bit of fear for your personal security as well as your financial stability may have crept into your psyche. Understandably, you want to protect yourself and your family; fortunately, Kelly Cansler has got you covered.
Kelly earned her Masters in Business Administration from Notre Dame de Namur University in Belmont, California where she currently sits on the board. She applied her economics and finance education when launching her successful Farmers Insurance agency in San Mateo, California in 2008. During a Farmers class in Los Angeles in 2009, Kelly met a fellow agent named Ryan who had an agency in Oklahoma City. During 2009, the two agents grew their respective businesses as well as their relationship, and soon Ryan decided to close his agency and move to California to be near Kelly. From 2010 to 2017, Ryan worked for a semi-retired Farmers agent in San Mateo. After getting married in 2011, Ryan and Kelly planned how they could join forces. In 2017, the opportunity to purchase the agency Ryan worked within and combine it with Kelly’s, made them one big, happy, family run insurance agency. And so it was until March of 2020 when the Canslers decided to make the move to Brentwood. Says Kelly, “We closed our office in San Mateo on a Friday and moved out here, only to learn on Monday that everything would be shut down.”
“Kelly Cansler has got you covered.”
Kelly was concerned about how she would meet people in her new community if everything was going to be closed for an extended period. She found the best way to get in touch with others was by joining the Brentwood Chamber of Commerce. She jumped in and became very involved in all the offered activities, even starting her own Power Network group. All the additional groups that emerged have been so enriching to her, whether they offered guest speakers, group coaching, or motivational speeches. Kelly has spent about 25 hours a month managing, planning, or attending professional networking events both here and in San Mateo. Says Kelly, “During the entire pandemic, I was working while homeschooling a kindergartener and developing a new territory for my insurance agency. I was fortunate to have a lot of lead generation funneling business our way. The year 2020 was our best sales year yet.”
When people lost their jobs in 2020, some also lost their life insurance. They became scared and a bit vulnerable. A source of income or funds that would be available in the future, no matter what happens, can help a person feel safe. There are such diverse insurance products now, people don’t realize the financial assets that protection provides. It is peace of mind for the future. Says Kelly, “My father-in-law kept asking me about an ad for life insurance he saw on YouTube. He said, ‘It’s protected against market downturns, tax-free, and I can borrow against it.’ He was talking about Indexed Universal Life Insurance. It is essentially a savings account that provides a death benefit. It has a cash value that grows with the S&P Index, and you can access it for unexpected expenses. It really is the best product around.”
Kelly shares that Disneyland would never have happened if it hadn’t been for the cash value life insurance that Walt Disney borrowed against to fund it. Business owners can use the Indexed Universal Life Insurance product as a cash savings account, in place should rough patches arise. It’s super flexible, allowing access to cash while not requiring reporting on taxes. Kelly says, “I even have one for my daughter since it is FASFA friendly and will not apply in the future when qualifying for student loans. Conversely, when applying for a loan, if you actively choose to, it can be cited as an asset for consideration.”
Kelly spends her days helping people to feel good about their situation. She equates it to peeling back the layers of an onion and picking apart what an individual needs to manage their lifestyle. The current economy has inspired many to be entrepreneurs, and their career now commands they interact with the public personally when providing services. This gig economy requires protection for the person running their own small business, whether it’s an Etsy store, Pilates coaching out of the garage, or selling items at the Farmers’ Market. Homeowners insurance doesn’t cover it, you need professional liability insurance. Kelly is happy to educate neighbors on how best to protect themselves and ease their worries.
“AS A LICENSED FINANCIAL SERVICES AGENT ABLE TO RECOMMEND IRAS, 401(K) ROLLOVERS, 529 PLANS, AND MUTUAL FUND INVESTMENTS, KELLY IS ALWAYS LOOKING FOR WAYS TO GROW AND PROTECT YOUR HARD-EARNED WEALTH.”
"Kelly earned her Masters in Business Administration from Notre Dame de Namur University in Belmont.”
In light of the recent uptick of inflation, Kelly has started touting a product that will help her clients stay fiscally fit. Rather than buying a CD or leaving your money in a savings account that will issue an interest statement, an indexed annuity product can gain at a guaranteed rate of interest, tax-free. If at any point you decide you need a constant stream of cash, you will get guaranteed income either monthly or annually until you die. As a licensed financial services agent able to recommend IRAs, 401(k) rollovers, 529 plans, and mutual fund investments, Kelly is always looking for ways to grow and protect your hard-earned wealth.
With over 14 years in this business, Kelly is happy to be at a point in her life where she can slow down and spend some time with her daughter at the park after school. Much of her business comes from networking and referrals, and work consistently flows in from the existing insurance marketplace. She has the help of a full-time customer service representative that allows her clients to receive stellar care. All the pieces are in place for the Cansler Insurance Agency to be a source of reassurance and protection for the future for many, from Brentwood to San Mateo and beyond.
Photos By German Siu