Vernice Violan Insurance & Investments Broker

Vernice Violan Insurance & Investments Broker A licensed Insurance and Investments Broker since July 2017. I have clients in BC, AB, MB, ON, NS & SK

A big THANK YOU to Team CARE Insurance & Wealth Professionals Inc. for an amazing Christmas party!We had so much fun cel...
12/14/2025

A big THANK YOU to Team CARE Insurance & Wealth Professionals Inc. for an amazing Christmas party!
We had so much fun celebrating together—great games, exciting prizes, and wonderful gifts that truly made tonight special. 🎁🎉

Thank you for the laughter, the festive vibes, and for making everyone feel appreciated. Grateful to be part of such an incredible team. ❤️

Cheers to more success and memories together! 🎄🥂

MTF Christmas Party 🥳 🎉 🎄🎅
12/11/2025

MTF Christmas Party 🥳 🎉 🎄🎅

AJYep2025 🎄🎅🌲
12/06/2025

AJYep2025 🎄🎅🌲

11/25/2025

💡 How Does a Spousal RRSP Work — And Why It Can Still Reduce Your Taxes Even If You’ve Maxed Out Your Own Room?

As an Insurance & Investments Broker, one of the most overlooked strategies I see is the Spousal RRSP. If you’ve already maxed out your personal RRSP contribution room but still want to lower your taxes, this is a powerful tool to consider.

👉 So, what is a Spousal RRSP?
A Spousal RRSP allows you to contribute to an RRSP in your spouse’s name. You get the tax deduction, but your spouse owns the account and will eventually withdraw the funds.

👉 Why would you do this?
Because it’s a smart income-splitting strategy that can save you both money in taxes—now and in retirement.

🔹 Key Benefits

✔ You Get the Tax Deduction
Even though the RRSP is under your spouse’s name, your contributions are tax-deductible to you. Perfect if you’ve already maxed out your own RRSP contribution room and still want to reduce this year’s taxable income.

✔ Retirement Income Splitting Made Easy
If one spouse is expected to have a higher retirement income than the other, contributing to a Spousal RRSP helps balance future withdrawals—resulting in lower combined taxes in retirement.

✔ Build Your Spouse’s Retirement Savings
If your spouse has little to no earned income (and therefore little RRSP room), the Spousal RRSP lets you help grow their retirement efficiently.

✔ Tax Savings Now + Later
You lower your tax bill today through the deduction, and both spouses benefit from lower tax brackets during retirement withdrawals.

📝 Quick Example

You’ve already maxed out your own RRSP room for the year but still have funds available to invest. By contributing to a Spousal RRSP, you STILL get the tax break—even though your personal RRSP is full.

If you’d like help determining whether a Spousal RRSP fits into your financial plan or how much you can contribute, feel free to reach out. I’m here to help you make your money work smarter today and in the future. 💼📊

Let's play Bingo! Thank you AJ Insurance 😊😊
11/22/2025

Let's play Bingo! Thank you AJ Insurance 😊😊

🌟 Why Disability Insurance Matters — More Than You Think 🌟As an Insurance & Investments Broker, one of the most common m...
11/20/2025

🌟 Why Disability Insurance Matters — More Than You Think 🌟

As an Insurance & Investments Broker, one of the most common misconceptions I hear is:
"I’m already covered through work, so I’m fine."
"I never got into an accident, so I think I'm good."

But here’s the truth…

👉 Your ability to earn an income is your most valuable asset.
And disability can happen anywhere — not just on the job.
Whether you're:
✔️ Playing sports on the weekend
✔️ Traveling with your family
✔️ On vacation abroad
✔️ Simply living your everyday life

If an accident or illness leaves you unable to work for a month or more, disability insurance is what steps in to replace your income. And yes — you’re covered even outside of work and even outside the country.

Now, a gentle reminder:

If money feels tight now while you’re healthy and working… imagine how much harder it would be when you’re suddenly unable to earn an income at all. Expenses don’t stop—if anything, they get higher when disability hits unexpectedly. Reduction in income, recovery time, and daily bills can stack up quickly.

🛡️ That’s why having enough disability benefits is essential.
It protects your income, your lifestyle, and your peace of mind—so you can focus on getting better instead of worrying about how to pay the bills.

If you’d like to learn more about how disability coverage works or want me to review what you currently have, send me a message. I’m here to help you protect what matters most. 💬✨

🌟 Curious About a Career in Insurance and Investments? 🌟Have you ever thought about what it would be like to build a car...
11/12/2025

🌟 Curious About a Career in Insurance and Investments? 🌟

Have you ever thought about what it would be like to build a career that offers flexibility, personal growth, and the chance to make a real difference in people’s lives?

We’re hosting a short seminar designed for those who are exploring new opportunities — whether you’re looking for a career shift, a side hustle, or simply want to understand what being an Insurance and Investments Broker is all about.

Here’s what you can look forward to:
✅ Flexible time — design your schedule around what matters most to you
✅ Attractive income potential and performance-based rewards
✅ The fulfillment of helping individuals and families secure their financial future
✅ Continuous learning in financial planning and wealth management

No commitments, no pressure — just a chance to learn, ask questions, and see if this path aligns with your goals.

📅 Thursday, November 20, 2025
🕕 6:00 PM - Registration + Refreshments; 6:30 PM - Presentation
📍AJ Insurance Office Boardroom

Message me if you want to attend 😊

🌺 Lest We Forget | Honoring Remembrance Day 🇨🇦Today, we pause to honor and remember the brave men and women who have ser...
11/11/2025

🌺 Lest We Forget | Honoring Remembrance Day 🇨🇦

Today, we pause to honor and remember the brave men and women who have served and sacrificed for the freedom and peace we enjoy today. Their courage and selflessness remind us of the importance of safeguarding what truly matters — our loved ones, our future, and the legacies we build for the next generation. ❤️

As we reflect on their sacrifice, I also want to take a moment to celebrate two very special women in my life.

✨ Happy Birthday to my wonderful paternal grandmother-Mama Lydia! Wishing you continued good health, happiness, and many more joyful years ahead. 💐

And in loving memory of my maternal grandmother-Mama Mina, whose love and wisdom continue to live on in our hearts. 💖

Let’s take time today to remember, give thanks, and cherish those who mean the most to us.

11/07/2025

When you open an Resp, Tfsa, Fhsa or Rrsp with an Insurance Company, your money is invested in a Segregated Fund.

Why choose SEGREGATED funds?⁉️

⏯️- It functions like a Mutual Fund wherein the capital from all investors is pooled together and invested by a Portfolio Manager in various assets with a goal of generating returns.

⏯️- The key advantages of Segregated funds from Mutual funds are it's convenience and rapid death payout and guarantees that keep invested money safe from market downturns.

⏯️- In the event of bankruptcy, lawsuit or death, the fund's assets may be protected from creditors.

⏯️- It can by-pass probate in the event the client passes away.

📣Feel free to message me for any inquiries 👍

10/28/2025

💡 Build a Lasting Legacy with Participating Permanent Life Insurance 💡

When thinking about how to leave something meaningful for your children, Participating Permanent Life Insurance can be one of the most powerful and tax-efficient tools available. Here’s why many families choose it as part of their inheritance plan:

✅ Tax-Free Benefit: The death benefit is paid out completely tax-free to your beneficiaries — ensuring every dollar you’ve worked hard for goes directly to your loved ones.

✅ Avoids Probate & Delays: Life insurance proceeds bypass the estate process, meaning no probate fees, no delays, and no extra taxes. Your family receives the funds quickly when they need it most.

✅ Grows Over Time: With participating policies, your plan can earn annual dividends, which help grow your cash value and death benefit over the years — all while providing lifetime coverage and stability.

It’s not just insurance — it’s a financial legacy that grows quietly in the background, protecting and supporting your family for generations.

💬 If you’d like to learn how a participating life insurance plan can fit into your estate or legacy strategy, let’s chat!

10/28/2025

🚨 A Friendly but Important Reminder! 🚨

Before you cancel or replace any of your existing insurance plans, please take a moment to review and compare carefully.

I’ve seen too many cases where someone cancels a plan thinking they’re getting a “better deal,” only to realize later that the new plan doesn’t include important coverages❌️ — like Critical Illness, Disability, or other living benefits.

👉 Sometimes, people end up replacing a comprehensive plan with just a basic Life Insurance policy. It’s only when a health issue arises that they find out they no longer have coverage for conditions that were previously included.🤦‍♀️
By then, it’s often too late to reapply or get approved due to new health concerns.

✅ Before making any changes:

Make sure your new plan truly provides equal or better coverage.

Understand exactly what’s being added, removed, or replaced.

Consult with a licensed professional who can give you a clear, unbiased comparison.

Your insurance isn’t just paperwork — it’s your financial safety net. Don’t let it slip away because of a rushed decision. 💡

If you’re unsure or want a second opinion, feel free to reach out. I’d be happy to help you review your options and make sure your protection fits your goals and needs. 💬

10/22/2025

💙 Why Getting Life Insurance & Critical Illness Coverage for Your Child NOW is So Important 💙

As parents, we do everything to protect our children — but what about preparing for the unthinkable?

Getting life insurance and critical illness coverage for your child early is one of the most loving, responsible steps you can take, and here’s why:

✅ It's more affordable when they’re young and healthy – Lock in low rates for life.

✅ Health isn’t guaranteed forever – A diagnosis can change everything.

✅ Focus on your child, not your finances, if the worst happens.

✅ It can become a legacy – Coverage can follow them into adulthood or help them later in life.

✅ Peace of mind – No one ever wants to need it… but if you do, you’ll be thankful it’s there.

This isn’t about fear — it’s about being prepared and protecting your peace.

💭 If you’ve been thinking about it… take this as your sign. There’s no better time than now.

📩 Reach out if you want to explore options or just have questions — I’m happy to help.

Address

255/610 6th Street
New Westminster, BC
V3L3C2

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