Qi "Christine" Zhang，Licensed Agent with New York Life Insurance Company

08/24/2026

Whether you’re an employer looking to enhance your benefits without incurring direct costs, or an individual looking to protect and support your long-term financial security, permanent life insurance options from New York Life can help. Get in touch to learn how today.

08/21/2026

Retirement planning isn't just about how much you've saved. It's also about creating a strategy that can help support your lifestyle throughout retirement.

Research from the LIMRA Retirement Income Institute found that many Gen X women face unique retirement challenges, including lower retirement savings, caregiving responsibilities, and concerns about whether their money will last throughout retirement.

Understanding these factors early can help you make more informed decisions about your future. If you’d like to build a retirement strategy, let’s connect to review your long-term goals, expected expenses, and retirement income needs.

08/21/2026

The loss of a spouse can bring both emotional and financial challenges. Many people suddenly find themselves managing important financial decisions on their own for the first time.

Whether it's understanding income sources, reviewing beneficiary information, or discussing long-term retirement goals, you don't have to navigate these decisions alone.

If you or someone you care about is facing the loss of a spouse, contact me to discuss strategies that can help provide clarity, confidence, and financial security for the years ahead.

07/28/2026

It has been four years since I joined New York Life.
I’m deeply grateful for the platform this company has given me, and for the leaders and colleagues who have supported me along the way. Even more importantly, I feel incredibly fortunate that this career has introduced me to so many wonderful clients—many of whom have eventually become friends.

07/06/2026

You've worked hard to put a solid financial plan in place—savings, retirement, and protection for the people who depend on you. Many financial plans are built around the assumption that your income keeps coming in.

Individual Disability Insurance can help provide a portion of income if a qualifying disability affects your ability to work, so the plan you've built has a chance to stay on track.

If you've never taken a close look at your income protection, or if you're not sure how your workplace coverage may work, explore our white paper, The Cornerstone of Financial Security: Individual Disability Insurance, or connect with an agent to start the conversation.

Link to white paper: https://nyl.co/3SJkHo1

06/16/2026

For many business owners, the company is the estate plan. But will there be enough liquidity to:
—Cover estate costs?
—Keep the business running?
—Treat your heirs fairly?
If you’re not sure, reach out to me and let’s talk about some proven ways to protect what you’ve built.

05/05/2026

Home care and assisted living costs for older adults and people with disabilities have surged over the past five years, straining affordability for middle class families who struggle to pick up the tab, AARP said in a March 12 report.

Home care, assisted living costs for older adults have surged over the past five years, straining affordability for middle class families, AARP said.

04/28/2026

Housing costs over 20 years can add up significantly. Based on a monthly payment of $1,850, it totals approximately $444,000.

If we have kids, we also must think about the childcare cost. According to Zippia 2023, childcare costs over a span of ten years can be around $147,600.

04/09/2026

Caption:
A lot of people assume employer life insurance is the best deal.
But for young, healthy professionals, that’s often not true.

Sometimes, an individual term policy can give you more coverage, lower cost, and protection that doesn’t disappear when you leave your job.

Employer coverage can be a great foundation — but it may not be enough.
That’s why comparing options matters.

SMRU APPROVED 6951767.1

04/03/2026

I don’t want my wins to come from beating weak opponents. I want to face strong ones. In truth, I only have three real competitors: my procrastination, my negative emotions, and my comfort zone.