Erica Kohli, QAFP Financial Planner, Sun Life

04/09/2026

Did you know permanent life insurance can help you protect the people you love?

Watch this short video to see how permanent life insurance works.

For informational purposes only.
Looking for personalized advice? Let’s chat! https://bit.ly/4snqNX2

Transcript: What is permanent life insurance? Simply put, all life insurance is designed to provide your loved ones with financial security when you die. One of the most common types of life insurance is called permanent life insurance. It’s called “permanent,” because it covers you for as long as you live. How does permanent life insurance work? It provides coverage for your entire life. With most permanent plans, your premiums (monthly or annual payments) remain the same, regardless of any changes to your health as you age. And, your beneficiaries will get a tax-free death benefit after you die. The death benefit refers to the amount of money your beneficiaries get when you die. You can name your family or anyone you want as your beneficiaries. Beneficiaries are the people or person you want to financially protect. The exact amount of money they get after you die depends on: how much life insurance coverage you buy, and the type of policy you have. They can then use that money as they wish. For example, they can use it to cover the cost of: debts, mortgage or rent, child care, tuition, living essentials, and more. Most permanent insurance policies also include a feature called cash value. Cash value is a savings component that can grow over time. You can borrow against it or use it as collateral for a loan. You may also withdraw your cash value, but this may reduce your policy’s death benefit. There can also be tax consequences to accessing your policy cash value. What’s the advantage of permanent life insurance? As you age, or if your health deteriorates, purchasing a new insurance plan becomes much more costly. But with most permanent insurance, the premium stays the same for the life of your policy. Plus, when you buy a permanent life insurance policy, the benefit is guaranteed for the rest of your life. Permanent life insurance can provide you with the security of knowing your loved ones will have lasting, stable protection. It can offer peace of mind early, leaving you free to enjoy your life now. For more tips and tools, visit sunlife.ca.

04/06/2026

Spring is here, and so is home buying season! 🏡

Whether you're a first-time buyer or ready to upgrade, now is the ideal time to explore your options. From mortgages to insurance protection, let's explore how to turn your homeownership dream into a reality.

Ready to take the next step? Reach out to discuss how we can support your journey to homeownership. https://bit.ly/3QlGqRy

03/09/2026

Tax season question I often hear: Are insurance premiums tax deductible?

Most personal policies in Canada aren’t—but many benefits are tax-free.

Learn more: https://ow.ly/ufqq50YrcIf |

Reach out if you’d like a more personalized review.

Quick tax season check 👀

Are your insurance premiums tax deductible?

In Canada, most personal insurance premiums aren’t. That includes life, disability, critical illness, and travel insurance. The upside is that many benefits, like life insurance payouts or disability benefits you paid for yourself, are usually tax-free.

Life- and health- insurance premiums for businesses may work differently. When coverage supports earning business income, premiums may be deductible. Some health and dental plans may also qualify under CRA rules.

Knowing whether your coverage is personal or business related can make tax time feel a lot clearer.
Save this for later and dive deeper with our article: https://ow.ly/yflc50YrcHk

03/07/2026

Did you know permanent life insurance can provide lifelong protection and a chance to grow cash value over time? It’s never too early to start talking about flexible options that will work with your evolving financial strategy. Let’s chat about the best solution for you. https://bit.ly/47vpHkq

03/03/2026

For the people cheering you on every day, protect their future with the ultimate defence: life insurance.

This is a good time to check in and review your life insurance coverage.

🏀See how much coverage you need to protect what matters most:

Sun Life can help you build and protect your savings with investment products, life insurance, health insurance, and financial advice.

02/16/2026

Today, we celebrate families. Whether related by blood or by choice, family is about the connections that sustain us.

Take a moment to cherish those special bonds and create lasting memories. Wishing you a day filled with love and togetherness.

Happy Family Day!

02/14/2026

While we plan to share our love with others, let's also take the time to be gentle and caring with ourselves. 💕

Have a happy Valentine's Day!

02/13/2026

This Black History Month, we celebrate the achievements and contributions of Black Canadians. Working together can help create more financial opportunities for all. See how Sun Life helps our Clients, colleagues and communities thrive. https://bit.ly/465DihQ

01/27/2026

I can help you plan for the unexpected. Talk to me to find out how critical illness insurance can help.

01/24/2026

Life insurance isn’t about fear.
It’s about love, responsibility, and peace of mind. 💛

01/23/2026

January doesn't have to be gloomy! Take charge of your money and boost your mood. Whether it's creating a new savings goal or reviewing your investments, small steps can lead to big financial wins.

Let me know how I can help! https://bit.ly/3Ntpszx