Johanna Balbiran - Advisor, Sun Life

09/03/2026

How much do you know about TFSAs?

Does income change how much TFSA room you get each year?

Comment A, B, or C. We’ll reveal the answer in our Stories and save it to our Test Your Knowledge Story Highlight on Instagram.

08/19/2026

TEAM APPRECIATION 🤍✨

Great things don’t happen without people who support you behind the scenes.

A special thank-you to my two amazing admin ladies who help keep everything organized, moving, and on track. Your dedication, patience, and support make such a big difference—not only in the work we do, but in serving our clients better.

As a little appreciation for everything you do, this is our time to pause, relax, recharge, and enjoy. 🌿🧖‍♀️

Your work may often happen behind the scenes, but your contribution never goes unnoticed.

Thank you for being an important part of the team.
Here’s to more growth, more success, and more moments to celebrate together! Cesaria Ongteco Charity Churchill Tan

07/28/2026

🎁 What if the most valuable gift you leave your grandchild isn’t a toy, money, or jewelry… but a lifetime of protection? ❤️

Birthdays come and go. Toys are outgrown. Clothes no longer fit.

But a Life or a Critical Illness Insurance policy can be a gift that grows with them.

🌟 It can help:
• Protect their future from an early age.
• Lock in coverage while they’re young and healthy.
• Build long-term value, depending on the policy.
• Give them a financial foundation for life’s biggest milestones.

Imagine your grandchild looking back years from now and realizing that one of the greatest gifts they ever received was the peace of mind and opportunity you gave them.

Because true love isn’t just about today—it’s about caring for tomorrow.

💛 A life or a critical illness insurance policy isn’t just a gift. It’s a legacy.

07/18/2026

Building your future starts with protecting what matters most. 💛

Why choose one when you can have both?

✔️ Term Life Insurance for your family’s immediate financial needs
✔️ Permanent Life Insurance to help build a lasting legacy
✔️ Enjoy 10% off your Permanent Life Insurance premiums for as long as you keep both eligible policies—real savings that can add up over time.

Secure today while planning for tomorrow.

⏳ Bundle offer ends July 31, 2026. Terms and conditions apply.

Learn more: https://www.sunlife.ca/en/offer/insurance-bundle/?WT.mc_id=en-ca:social:networks:facebook:bundlelsterm:bundlelsterm

Building a future? Bundling Term + Permanent Life can help you feel steady.

✔️Term insurance for your family's immediate needs
✔️Permanent insurance for your long-term legacy
✔️10% off your Permanent Insurance premiums the entire time = real savings

Bundle offer ends July 31, 2026. Terms and conditions apply. Learn more: https://www.sunlife.ca/en/offer/insurance-bundle/?WT.mc_id=en-ca:social:networks:facebook:bundlelsterm:bundlelsterm

07/09/2026

Permanent or Term Life Insurance? Here’s the difference—in a nutshell.

07/01/2026

Happy Canada Day! 🇨🇦

06/26/2026

Statistics show that we’re living longer—but living longer doesn’t always mean living healthier.

A serious illness can happen unexpectedly, bringing emotional, physical, and financial challenges. That’s why planning ahead matters.

Protect yourself and your loved ones with Critical Illness Insurance. For a limited time, eligible plans are available with 25%–50% premium discounts.

Don’t wait until it’s too late. Get protected today and gain peace of mind for tomorrow.

📩 Send me a message to learn more or see if you qualify.

What would you do with a tax-free lump sum of money when you need it most? 💛

Our Critical Illness Insurance covers 26 life-altering illnesses. And right now? You get a premium discount:

✅ Adult coverage: 25% of first year's premiums
✅ Child coverage: 50% of first year's premiums

Use the tax-free lump sum for:
Mortgage payments while you recover? ✓
Childcare help? ✓
Innovative treatments? ✓
Whatever YOU need ✓

Offer ends July 31, 2026 ⏰

Terms and conditions apply. Tap to explore how much you could save: https://ow.ly/oY0L50ZbXcf.

06/25/2026

Make sure you’re covered —- that’s LOVE 💕

Some things matter more than anything else.

Making sure the people you love are protected is one of them.

Life insurance can bring some peace of mind and help ensure they'll be supported no matter what life brings. You don’t have to figure out coverage on your own.

Talk to a Sun Life advisor to get personalized life insurance advice that fits your family’s needs: https://ow.ly/2hIh50Z8Qhx

06/17/2026

What happens to your RRSP after you pass away?

What happens to your RRSP when you pass away? It's something most people don’t generally think about until they're helping a parent settle an estate or updating their own plans.

The short version: Your account's value at death is typically included as income on the final tax return, which can mean a significant tax bill depending on the situation. The estate usually handles the tax, not the beneficiary receiving the funds. But you may be able to defer immediate taxation under certain situations.

How the RRSP is handled depends on who receives it.

If you designate a spouse or common-law partner as beneficiary, they can transfer the funds to their RRSP without immediate taxation.

If you designate someone else, the funds are typically paid directly to them. In some cases, like with financially dependent children or grandchildren, tax deferral options may be available.
When you designate a beneficiary on your RRSP, funds go directly to the beneficiary, avoiding probate fees and legal delays.

Whatever your situation looks like, you're not doing it on your own. We’re here to help you navigate it. Read the article for detailed information: https://ow.ly/rHqv50Z9qWy

*Note for Québec residents: You can designate beneficiaries through your Will. You can also designate them on the contract, if your RRSP is a type of insurance contract (like a segregated fund contract, insurance GICs, or accumulation annuities) Planning ahead can make things easier for the people you care about. Leaving clear instructions means less guesswork for your loved ones during an already difficult time.

05/20/2026

Term, Permanent, Whole Life, Universal, Participating… sounds complicated? It doesn’t have to be.

Most people don’t actually know the differences — and that’s okay.

If you want a simple explanation of what each one means and which one might fit your life, I can help.

Comment “INSURANCE” or message me and let’s make it simple.

Term life or permanent life? Whole, universal, or perhaps participating?

You may recognize the terms but still wonder how they actually work. You’re not alone.

Term life insurance offers coverage for a set period of time. It’s often used for specific needs, like a mortgage, a business, or income protection while kids are growing up.

Permanent life insurance lasts a lifetime and can build cash value over time. That cash value can be accessed later on, depending on the policy. It offers 3 main options:

☀️ Whole life, which offers predictable premiums and steady cash value growth.

☀️ Universal life, which provides more flexibility and includes investment options.

☀️ Participating life, which builds cash value and may pay dividends.

Some people choose one type. Others combine options to support different goals over time.

Read the article to explore all four types: https://ow.ly/ycax50YGvUC