Cindy Bowden

Business Profile

If you are an owner-manager or senior VP in an established firm, or if you are the owner of a smaller organization in the early stages of growth, then you probably need a combination of business, personal, and employee insurance. You may get some of your advice from traditional brokers, consulting firms and associations. However, each one can only provide part of the solution – and that means you’ll spend more time and effort coordinating all the different aspects of your insurance. What’s worse, you’ll also run the risk of duplicating some of your coverage or missing out on financial opportunities that are only available when you take an integrated approach.

As a Chartered Life Underwriter (CLU), I’m fully trained to integrate all three areas of your insurance and group benefits needs. It’s the only way to ensure you get what you need and truly maximize the effectiveness of your overall portfolio.

This may be the most interesting conversation about insurance you’ve ever had.

I know most people find insurance complicated and boring. When you meet with me, however, don’t be surprised if we end up talking about all kinds of things you might not expect from a traditional insurance adviser.

We’ll talk about your passions, your health and where you like to take vacations. We’ll discuss your family, your business, and your vision for the future. And using my unique b•p•e Integration Process, we’ll talk about how it all ties back into the specific insurance you need to grow your business, support your staff, provide for your family and take care of yourself.

Give me a call – it may be the most interesting conversation about insurance you’ll ever have!

Community Profile

Cindy graduated from Trinity College at the University of Toronto in 1976 with an H.B.A. She obtained her CLU (Chartered Life Underwriter) Designation in 1984 and her CH.F.C. (Chartered Financial Consultant) designation in 2002.

Cindy’s company Cindy Bowden Insurance & Benefits helps owner managers integrate their insurance coverage for personal, business and employee needs. She also counsels individuals in their retirement years.

Cindy has been a member of LUAC/CAIFA/Advocis since 1979 when she entered the business as an independent advisor. She is immediate Past Chair of the Board of Trustees of the CLU Institute of Canada and served on the on the Board of Directors for The Financial Advisors Association of Canada (Advocis) from 2006 to 2008. She has been a member of the Million Dollar Round Table since 1981 and has held numerous positions and chaired committees as a member of the Toronto and National Boards of LUAC as well as the Institute of Chartered Life Underwriters and Chartered Financial Consultants of Canada. She has been a member of CALU (Conference for Advanced Life Underwriting of Canada) since its inception in 1991 and was involved with CALU’s Group Benefits Issues Committee for many years.

She was a member of the Board of Directors for St. Michael’s Hospital Foundation and created and chaired The Planned Giving Committee. Cindy chaired the board representing alumni and fundraising at Trinity College at the University of Toronto. She also chaired the School Council and the committee responsible for building a day care in her children’s elementary school.

She is a member of the Estate Planning Council of Toronto and has been a speaker for CALU, the Million Dollar Round Table, the Canadian Bar Association, the Ontario Institute of Chartered Accountants, various life underwriters associations, and Ryerson.

Personal Profile

Cindy is married with two children. Her husband Steve Hisey is a partner in a property and casualty insurance brokerage firm. Her hobbies include traveling, swimming, walking and going to the theatre.