Personal Insurance

Life is unpredictable, but your family’s financial protection shouldn’t be. RBIA helps individuals and families across Ontario put the right personal insurance and risk management strategies in place to safeguard income, protect assets, and support the people who depend on you if the unexpected happens.

Protecting What Matters Most

Personal insurance sits at the foundation of a strong financial plan. It can:

• Replace income if you pass away or become unable to work

• Provide a lump sum to cover debts, education, or lifestyle needs

• Help fund business continuity or buy-sell agreements

• Support your family through serious illness or long recovery periods

We start by understanding who and what you want to protect, then build coverage around those responsibilities.

Types of Coverage We Help With

We work with leading Canadian insurers to design coverage that may include:

• Life Insurance: Term and permanent solutions to protect family income, pay off debts, support dependants, and address estate planning needs.

• Disability Insurance: Monthly income replacement if illness or injury prevents you from working, helping you cover ongoing living expenses.

• Critical Illness Insurance: A lump-sum benefit upon diagnosis of a covered condition, giving you financial flexibility during a difficult time.

• Business-Related Coverage: Insurance strategies to protect key people, fund buy-sell agreements, or support business continuity.

We’ll help you decide which types of coverage are appropriate and at what levels.

Needs-Based Advice

Because we’re independent, we’re not locked into any one insurer or product. Our role is to:

• Assess your existing coverage through work and personally

• Identify gaps or overlaps in your current protection

• Recommend coverage amounts and structures based on your actual needs

• Compare options from multiple insurers to find suitable solutions

We take a conservative, disciplined approach, focusing on what you truly need — not on selling unnecessary coverage.

Integrating Insurance with Your Financial Plan

Insurance is most effective when it’s integrated into a broader financial strategy. We coordinate your coverage with:

• Your financial and retirement plan

• Your savings and investment strategies

• Your tax and estate planning priorities

• Any corporate or business structures you’re involved in

This ensures your protection supports your long-term financial security rather than sitting off to the side as an isolated product.

Reviewing Your Coverage Over Time

Your life will change — and your insurance should keep up. We’re here to:

• Review your coverage as your family, income, or debts change

• Adjust policies as you approach retirement or milestones

• Help you decide when to increase, decrease, or restructure coverage

• Ensure your beneficiaries and ownership remain appropriate

Our goal is to provide ongoing guidance, not just a one-time policy sale.