Hamilton, Ontario’s Lucy Lukic is an Insurance Advisor who has cultivated a reputation within her industry for providing personalized insurance solutions to her clients. With a résumé that features high-ranking posts at top firms like Burgeonvest Bick Securities, CIBC, and Hub Financial, Lucy now offers her expertise alongside iA Private Wealth Insurance as an Insurance Advisor. But what truly sets her apart from many others in her field is her customized approach: Lucy takes the time and effort to get to know her clients—to understand their family situation, their histories, and their long-term goals—before recommending thoughtful insurance solutions.
As Canada’s insurance sector evolves with the times, Lucy Lukic and her professional philosophy act as a mitigating force against the impersonal aspects that rapid change can sometimes bring with it. We were fortunate enough to sit down with her for a discussion about how understanding a client’s unique background shapes her outlook, and why personalized insurance matters now more than ever.
Q: What would you say is the most important aspect of offering genuinely personalized insurance policies, as opposed to a more ‘off-the-rack’ mentality?
Lucy Lukic: A one-size-fits-all approach just doesn’t cut it when it comes to something as important as protecting your future. Every person is different— different personalities, different families, different careers, different goals. It’s my firm belief that an insurance advisor has to take the time to get to know clients on a human level and truly understand them and their families. Only then will the advisor know what options will actually best serve them. Once that part is done, making policy recommendations is infinitely easier. Actually, in many cases, if you’re armed with the right knowledge, the recommendations almost reveal themselves.
Q: You mention taking the time to truly understand your clients’ families, histories, and long-term goals. Can you walk us through that process?
Lucy Lukic: Absolutely. It really starts with listening—and I mean really listening. Not just nodding along as they tell you about themselves. Before I talk about policies or premiums, I want to hear about a client’s life. What do they worry about? What do they dream about? Are they planning for a big change, like funding a wedding, starting a family, or buying a home? These conversations work to build trust, and from there, I can start customizing recommendations that make sense for their unique situation. It’s never just about numbers on a page.
Q: How does knowing a client’s background and values influence the insurance options you recommend?
Lucy Lukic: It makes all the difference in the world. A policy isn’t just a contract—it’s a safety net, a promise of security. If I understand a client’s priorities thoroughly, I’m much better equipped to guide them toward coverage that genuinely fits their life. Some people value flexibility, while others need absolute certainty. Some might be focused on protecting their children’s future, while others are thinking about their own retirement. Without knowing their back story, I’d just be throwing out generic options. That’s not how I do things.
Q: Why do you think the personal connection between an insurance advisor and their client is so important, especially in the hyper-digitized world of today?
Lucy Lukic: Insurance coverage is an intensely personal thing. It’s about safeguarding the things and people that matter most. In an age where so much is automated, people crave real human connection—someone who sees them as more than just another account number or piece of data. From the client’s point of view, when you have a real, human relationship with an advisor, the whole process feels much less intimidating. All of my clients know they can pick up the phone, ask me anything, and get an honest, thoughtful answer. That’s not something an algorithm or a website chatbot can provide.
Q: Finally, what advice would you impart to a young adult or a novice who isn’t too sure how to proceed in the insurance market?
Lucy Lukic: To be sure, there’s an overwhelming amount of choice out there for new insurance-seekers—more choice than there’s ever been before, in fact. That’s why it’s so important to work with someone you trust, someone who can cut through the noise and help you make sense of it all. Don’t be afraid to ask questions—no question is too small. Also, it never hurts to do some research on your own, as that can really help you to ask more informed questions. Always remember this is your family’s future that we’re dealing with. And in that spirit, don’t just look at the price of a given policy; think about its true value. A cheap policy that doesn’t cover what you need isn’t a bargain, it’s more a waste of your money than anything else. So, take your time, get informed, and make choices that set you up for long-term security.
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