Trevor Wright - I Sell Life Insurance

05/29/2026

What if your insurance paid you back no matter what happened? 🤯
Critical Illness with Return of Premium does exactly that — protection when you need it, your money back when you don't.

This is one of the most underused strategies I build for clients in their 40s — and most people have never even heard of it.

Curious what it looks like for your situation? Link in bio or send me a DM.

No pressure, just clarity. 👇

05/28/2026

🚨 Common-law couples in Ontario — this one's important.

If your partner dies without a will, you are not automatically entitled to anything from their estate. Ontario's Succession Law Reform Act simply doesn't recognize common-law spouses the way it does married ones.

Doesn't matter if you've been together for 20 years. Doesn't matter if you own a home together or have children together. Under intestate law — the rules that kick in when there's no will — you're not in the formula.

The good news? A will completely solves this. It's not complicated, it's not expensive, and it's one of the most important things a couple can do for each other.
If you or someone you know is common-law and doesn't have a will — please share this. It could genuinely make a difference for someone.

💬 Drop any questions below — happy to help.

05/21/2026

05/19/2026

3 TFSA myths that could cost your family thousands. 💸

Are you believing any of these?

Myth #1: "My TFSA automatically goes to my spouse." ❌
Myth #2: "It's tax-free, so there's no tax when I die."❌
Myth #3: "I'm young — I'll deal with this later."❌

Swipe through for the truth behind each one — and the simple fix that takes 5 minutes.

Save this and share it with someone who needs to see it. 🙌

💬 Which myth surprised you most? Let me know in the comments.

05/16/2026

Some concerts are just concerts.

This wasn't one of them.

05/15/2026

The most expensive TFSA mistake Canadians make — and the 5-minute fix. 👇

05/15/2026

Life insurance sales are up. Protection isn’t.

42% of Canadians have no, or unclear, coverage.

Premiums are rising. Gaps remain.

If your income stopped tomorrow, how long would your family last?

Run the math. Review your coverage.

This needs to change.

The people who need life insurance aren't getting it, and the people who don't? Well, they get it but their lives won't be changed if something happens.

The people who need it? Their families will be devastated if something happens.

05/15/2026

Your TFSA doesn't automatically go to your spouse. 👀

Most people assume it does. Most people are wrong.

When you pass away, what happens to your TFSA depends on ONE thing you may have never even thought about:

→ Did you name a Successor Holder or a Beneficiary?

Those two words have very different outcomes — and the difference could cost your family thousands in taxes.

I'll break it all down this week. Save this post — you'll want to come back to it.

💬 Drop a ❓ below if this is news to you.

05/14/2026

Your TFSA doesn't automatically go to your spouse. 👀

Most people assume it does. Most people are wrong.

When you pass away, what happens to your TFSA depends on ONE thing you may have never even thought about:

Did you name a Successor Holder or a Beneficiary?

Those two words have very different outcomes — and the difference could cost your family thousands in taxes.

Swipe through for the full breakdown. Save this one — you'll want to come back to it.

Drop a ❓ below if this is news to you.

05/13/2026

Will your family face taxes on your home?

Here’s how it works in Ontario.

At death, the CRA assumes most assets are sold at fair market value. For a principal residence, the Principal Residence Exemption usually removes any capital gains tax.

But if the property was a rental, cottage, or partially rented out, capital gains tax may apply on the growth in value.

If the home goes to a spouse or common-law partner, there is typically a spousal rollover. That means no immediate tax and no capital gains triggered right away. The tax is deferred until the surviving spouse sells the home or passes away.

What many families overlook is probate. Ontario charges Estate Administration Tax of about 1.5% on assets over $50,000. A $1,000,000 home flowing through the estate could mean about $14,250 in probate fees alone.

Add legal, accounting, appraisal, and possible real estate fees, and costs can add up quickly.

Smart planning can sometimes reduce probate, but it must be structured properly.

The right strategy can protect thousands of dollars for your family.

05/13/2026

Estate planning is not just about “who gets the house.”

It’s about taxes, fees, and how much your family actually keeps.

In Ontario, when someone passes away, their assets are treated as if sold at market value. If the home qualifies as a principal residence, capital gains tax is usually eliminated.

If not — for example, a rental or cottage — capital gains tax could apply.

If the property is left to a spouse, it usually transfers tax-deferred. No immediate capital gains. The surviving spouse takes over the original cost base and tax is postponed.

However, probate can still apply. Ontario’s Estate Administration Tax is approximately 1.5% on amounts over $50,000. On a $1,000,000 home, that’s about $14,250.

Then consider legal fees, accounting fees for final tax returns, appraisals, and potential real estate commissions if the home is sold.

Without proper planning, costs can reduce what your family receives.

A simple review today can prevent expensive surprises later.

When was the last time you reviewed your estate plan?