Andy Tran

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To some, finding the right insurance solution to fit your specific needs can be an overwhelming experience. We work with our clients to ensure that the process of finding the right product and the right amount of coverage is a positive learning experience rather then something you simply “have to do”.


We specialize in hard to insure people!


The process doesn’t have to be challenging. Together we will walk through five specific steps that will ensure your end goal is achieved and you walk away with the exact insurance you need.

STEP #1 Consultation: The first step in defining your insurance needs is to properly and accurately understand how much insurance you need and what you are hoping to accomplish.

STEP #2 Analyses: As a team we will review the information you share with us in order to ensure that there is an appropriate fit between what you are looking for and what we can do to guarantee you get exactly that.

STEP #3 Recommendations: We will then provide our professional recommendation(s) and the insurance products and strategies we believe best fit your needs.

STEP #4 Implementation: If you believe that what we recommend will help you achieve all that we’ve discussed together, it is now time to begin the process of implementing our recommendations together.

STEP #5 Monitor: We follow the “Golden Rule” with our clients and treat each one the way we would expect to be treated if the roles were reversed.


Buying a house is likely the single largest investment that you will ever make in your life. That’s why it is crucial to find the right fit when it comes to mortgage insurance. Beware; not all mortgage insurance is created equal! By choosing to insure your mortgage with us, we can offer you several advantages that your lending institution cannot, such as:

  • You keep your insurance, even if you refinance or change lenders upon renewal.
  • You own the contract and choose your beneficiary.
  • Your premium is based on your personal profile and will not increase, even if your health changes.

By knowing and shopping the market on your behalf, we can find the best mortgage insurance that is right for you.



Why is life insurance important?

  • It covers your financial commitments. 
  • It allows your family to maintain their standard of living. 
  • It covers death-related expenses.
  • It allows you to leave a legacy. 
  • It ensures business continuity. 
  • It completes life insurance coverage offered through your employer.

We offer 3 different types of life insurance to fit your needs.

Term Insurance; Affordable coverage to meet your temporary needs. Protect you and your loved ones for a pre-determined period while you have greater financial commitments. This is an ideal solution if you have dependant children or you are on a tight budget and have short to medium term loans to re-pay.

Lifetime Insurance; Permanently protects your family and your legacy. An ideal solution for those who would like to leave a legacy, want to ensure protection even if their health changes, or would like to ensure the continuity of their business.

Combination of permanent life insurance and savings; this offers you a lifetime of protection and the opportunity to save with certain tax benefits. This is an ideal solution if you’d like to leave a significant inheritance, you have contributed the maximum to your RRSP and TFSA, and/or would like to protect the value of your company.



Going places? Whether you’re heading to a tropical beach, crossing the border to shop, or visiting family in another province – make sure you’re covered.

When you travel out of your province, your provincial plan does not cover all potential expenses you may incur if you become ill or are injured while away.

The cost difference between the amount covered by your provincial plan and the amount charged by a hospital or health care provider can be devastating. Having the proper travel emergency medical plan could save you years of distress


Being a contractor, part-time employee, or self-employed gives you the freedom to shape your future and lifestyle. The disadvantage is not having a company paid medical plan for costly out-of-pocket expenses.

Having your own medical plan is a smart way to fill the gap between those medical expenses that occur, but are not covered by a government health plan.


  • You can choose to have health only or health and dental coverage.
  • Issue ages 18 – 64, coverage to age 75.
  • Single, Couple or Family plans available.



Your income supports your lifestyle! Consider if you could not go into work tomorrow – how long could you continue your current lifestyle?

Do you ever wonder how you would meet your financial obligations if an illness, accident or soft tissue injury prevented you from working?

When you become disabled, you lose not only your primary source of income, you also face unexpected expenses related to your condition. Disability insurance is a source of income that replaces your salary or other earnings.

Who should consider Disability Insurance?

People who work full time:

  • Self-employed workers or professionals
  • Small business owners
  • Employees
  • Seasonal and contractual workers



Critical illness insurance offers you a lump-sum benefit payment that allows you to take time to rest in the event of a critical illness. This coverage provides you with the means to fulfill your financial commitments as well as to cover your healthcare expenses. Everyone should have this important coverage as the benefit provided fills the financial gap, that is inevitably created when you or a loved one is seriously ill, between the provincial health system and the often substantial costs resulting from a critical illness.

Start your application now!

Use this specialized contact form to help kick-start your insurance process with us. Filling out this form will provide us with all the information we need to begin gathering the policies that will be best suited to you. You can expect us to be in touch with information gathered specially for you!

*We promise not to give away any of your information or send spam of any kind. 



QUESTIONS? Contact us Today!

We know that seeking insurance can be a confusing and difficult undertaking. We can answer any questions you may have concerning our insurance services, so contact us today to learn more!

Contact us today to learn how we can help!

Locally owned and operated in Kamloops, Goddyn & Associates Financial Services is your trusted source for insurance coverage and investment planning, handling all aspects of your finances from life and mortgage insurance to RRSPs and benefits. Backed by years of experience, financial advisors Carol Goddyn and Stacey Vair can set you on the right path to financial stability and freedom.

Give us a call or send us an email to request a quote and we will be in touch promptly to arrange a consultation with you.

We understand your time is valuable! Evening and weekend appointments are available by request.


Monday - Friday
9:00am - 5:00pm


#208-755 McGill Rd,
Kamloops, BC, V2C 0B6


Main: 250-374-2138
Toll Free: 1-866-374-2187