Think Insurance

Bringing your parents or grandparents to Canada?

Super Visa insurance has 3 non-negotiables:
✅ $100,000 CAD minimum emergency medical
✅ Valid 1 full year from date of entry
✅ Paid policy, not a quote

Visitor Visa is different. 2 weeks, 2 months or 6 months, you pick the period and only pay for the days you need.

Most families overpay or buy the wrong term. We compare it for you.

Comment SUPERVISA and we’ll send you the free requirement checklist.

What happens to a business if the owner dies tomorrow?

Most shut down. Not because the business was weak, but because nothing was set up in advance.

Cash flow stops. Payroll and loans do not. Partners have no money to buy out the shares.

What prevents it:

Key person insurance

A funded buy-sell agreement

A named successor

Corporate estate planning

A business survives on liquidity, not goodwill.

For education only. Not financial or legal advice.

Send this to a business owner who has never planned for it.

You don’t need a big amount to start investing.

Comment ‘Invest’

That’s the part most people get wrong. They wait until they have “enough” to begin, and the waiting costs them more than the small start ever would.

Start small. Stay consistent. Let time do the heavy lifting.

Not sure where to begin? Call us at 604-828-7213.

Check your bank on the 20th. That deposit is the Canada Child Benefit, and it went up in July.

Want the breakdown of what a family actually needs covered? Comment “CCB” below and we will send it to you.

Right now the maximum is $679.75 a month for a child under 6 and $573.58 for a child aged 6 to 17. What you actually get depends on your family income.

Most parents use it for groceries, daycare, and rent. That is what it is there for, and there is nothing wrong with that.

Some parents put a slice of it away. Even 20% into an RESP gets matched by the government at 20% on the first $2,500 you contribute each year, up to $500 per child annually. Lower income families can also qualify for the Canada Learning Bond, up to $2,000, without contributing a dollar. A lot of families have never heard of it.

Here is the part nobody posts about.

Every dollar of this depends on you showing up. The CCB itself keeps coming, but the extra you were setting aside stops the moment your income does. If a parent dies or cannot work, the savings get spent on the mortgage, not tuition.

That is the gap we look at. Life and disability coverage is not competing with what you save for your kids. It is what keeps the saving possible on the worst year of your life.

Figures reflect the July 2026 to June 2027 benefit year and depend on your income. General information only, not individual financial advice.

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Your TFSA is tax free. Until it isn’t. 👇

💬 Comment “Strategy” and we’ll help you understand how your TFSA, RRSP and estate plan actually work together.

Most Canadians don’t know these 3 rules:

1️⃣ Day trading inside your TFSA? CRA can tax it as business income. Tax free becomes fully taxable.

2️⃣ Over-contribute even by accident and you pay a 1% penalty every single month until you fix it.

3️⃣ Your RRSP is tax deferred, not tax free. And when you pass away, the full amount can be taxed on your final return. Without proper estate planning, your family could lose 40% or more to taxes.

The accounts are simple. The rules are not.

📍 Think Insurance | Serving families across and Canada

This post is for education only, not financial or tax advice. Speak with a licensed advisor about your situation.

TFSAMistakes RetirementPlanningCanada [City]FinancialAdvisor WealthPlanning ThinkInsurance

Most business owners find out what their policy doesn’t cover on the day they file a claim.

Nobody teaches you this stuff. So we do, before it costs you.

Comment “GAP” and we’ll DM you the 3 most common coverage gaps we see in businesses like yours.

Your biggest asset isn’t your house or your car — it’s your ability to earn an income. 💼

So what happens to the mortgage, groceries, and bills if an illness or injury stops you from working for months?

That’s what disability insurance is for. It replaces a portion of your income so your family keeps moving forward while you recover.

You protect your car. You protect your phone. Protect your paycheck too.
💬 Questions about how it works? Drop a comment or DM us.

Why did an 80-year-old’s policy become unaffordable?

Many policies use YRT (Yearly Renewable Term), where premiums rise every year with your age. Cheap in your 40s, painful in your 70s. Some Universal Life plans use the same structure inside, so rising costs can quietly drain your policy’s value.

Check your policy: is your cost of insurance level or yearly renewable? Ask before renewal, not after.

Don’t think, just contact. Think Insurance.

Educational content only, not insurance advice.