Coulas Insurance

06/02/2026

Many families avoid conversations about money because they can feel uncomfortable or emotional. Talking openly about estate wishes, insurance coverage, and long-term goals can help prevent confusion later on. These discussions do not need to happen all at once. Starting the conversation now can help create more clarity for the future.

06/01/2026

Most Canadians know what term life insurance is. Fewer understand what participating whole life insurance actually does.

Unlike term coverage, a participating whole life policy is permanent — it covers you for your entire life. And as you pay premiums over the years, the policy builds cash value and may pay dividends that you can use to grow your coverage further.

It is not the right fit for everyone, but for incorporated professionals, business owners, and families focused on long-term wealth, it is worth understanding. Here is a plain-language breakdown of how it works

Participating whole life insurance is a permanent policy that does more than protect your family — it builds cash value and pays dividends over time. Learn how it works, who it's for, and how it compares to other types of life insurance.

05/28/2026

Unexpected situations can happen at any stage of life. An illness, injury, or sudden change in income can place added pressure on families and businesses without the right protection in place. Reviewing insurance coverage and emergency planning regularly can help you feel more prepared for the unknown. Small updates today can make a meaningful difference later on.

05/26/2026

Running a business often means focusing on everyone else before yourself. Over time, it is easy for retirement planning, insurance coverage, and long-term financial goals to get pushed aside. Taking a step back to review these areas can help create more stability for both your business and your family. Even a short planning conversation can help bring clarity to your next steps.

05/21/2026

Estate planning is not only for retirees or business owners. Having updated documents and clear instructions can help reduce stress for loved ones during difficult times. Wills, powers of attorney, and beneficiary designations should be reviewed regularly as life changes. A simple conversation today can help your family feel more prepared in the future.

05/19/2026

Retirement is about more than reaching a certain age or savings goal. Many people also think about travel, family time, healthcare costs, and creating a reliable income that lasts. Looking at your retirement strategy regularly can help you stay focused on the lifestyle you want in the years ahead. Taking time to review your goals today can make future decisions feel much clearer.

05/14/2026

A lot can change over the years. Buying a home, raising children, growing a business, or preparing for retirement can all affect the type of insurance coverage that makes sense for your situation. Reviewing your protection regularly can help make sure your coverage still fits your life today. A quick review now can help avoid bigger surprises later.

05/04/2026

What would happen financially to your family if you weren’t here tomorrow? Life insurance can feel overwhelming, but the basics are simple. In this article, I explain how life insurance works, the difference between term and permanent coverage, and how to think about the right amount of protection. Clear guidance to help you make informed decisions for your family.

Life insurance doesn’t have to be confusing. Learn how it works, the difference between term and permanent coverage, and how to decide how much protection your family may need.

04/30/2026

Financial decisions don't have to be overwhelming. We bring clarity and calm to every conversation.

04/29/2026

Bank of Canada Holds Rates Steady 🇨🇦
The Bank of Canada held its policy rate at 2.25% today, citing ongoing uncertainty, higher energy prices, and inflation pressures that are expected to be temporary.

Key takeaways:
• Inflation may rise near term before easing
• Economic growth is expected to remain modest
• The Bank continues to take a cautious approach
• Future rate moves, if needed, may be gradual

https://www.bankofcanada.ca/2026/04/fad-press-release-2026-04-29/