Not sure which option is right for you? Book a consultation to discuss your needs and learn more about the solutions available.
Insurance and investment needs can change throughout different stages of life. Explore solutions designed to help protect what matters, prepare for the unexpected, and support your short- and long-term financial goals.
Insurance & Investment Services
Life Insurance
Life insurance can help provide financial protection for the people who depend on you. Depending on your needs, it can support goals such as replacing income, helping with financial obligations, protecting your family's lifestyle, or leaving a financial legacy.
Super Visa Insurance
Planning for parents or grandparents coming to Canada under the Super Visa program? Explore medical insurance options that can help meet applicable Super Visa insurance requirements based on individual needs and eligibility.
Visitors Insurance
Visitors insurance can help provide coverage for eligible unexpected medical expenses during a temporary stay in Canada. Explore available coverage options based on the visitor's needs, eligibility and length of stay.
International Student Insurance
Studying away from home can come with unexpected healthcare needs. International Student Insurance can help provide coverage for eligible medical expenses during your studies in Canada, depending on the plan and eligibility.
Mortgage Insurance
Mortgage insurance can help provide financial protection for your mortgage if an unexpected life event affects your ability to meet your financial obligations. Explore available coverage options based on your individual needs and circumstances.
Drug & Dental Plan
Help manage eligible everyday healthcare expenses with coverage options for services such as prescription drugs, dental care and other health-related benefits, depending on the plan selected.
Critical Illness Insurance
A serious illness can create financial challenges in addition to affecting your health.
Critical illness insurance can provide a benefit following the diagnosis of a covered condition, helping provide additional financial flexibility while you focus on recovery.
Disability Insurance
Your ability to earn an income is an important part of your financial security.
Disability insurance can help replace a portion of your income if a qualifying illness or injury prevents you from working, helping you manage ongoing financial obligations during that time.
No-Medical Funeral Cost Insurance
No-Medical Funeral Cost Insurance can help provide financial support for funeral and other final expenses. Explore available coverage options, including options that may not require a medical exam, based on individual eligibility and needs.
TFSA
A Tax-Free Savings Account (TFSA) can be used to save and invest toward a variety of financial goals while allowing eligible investment growth and withdrawals to remain tax-free.
Whether you're building savings for the future or working toward a specific goal, a TFSA can provide flexibility as part of your financial plan.
RRSP
A Registered Retirement Savings Plan (RRSP) is designed to help Canadians save for retirement while providing tax advantages.
Explore how an RRSP may fit into your retirement strategy based on your goals, time horizon, and financial circumstances.
RESP
Planning early can help make future education costs more manageable.
A Registered Education Savings Plan (RESP) provides a tax-advantaged way to save for a child's post-secondary education and may provide access to applicable government education savings incentives.
Segregated Funds
Segregated funds are investment products offered through insurance contracts. Depending on the contract, they can combine professionally managed investments with certain insurance-related features, including potential maturity and death-benefit guarantees.
Explore whether segregated funds may be appropriate for your investment goals, circumstances, and risk preferences.
Non-Registered Investments
Non-registered investment accounts can provide additional flexibility for investing outside registered plans such as TFSAs and RRSPs.
They may be considered as part of a broader investment strategy depending on your savings goals, investment needs, and financial circumstances.
Group Insurance
Group insurance can help businesses provide valuable health and insurance benefits for employees. Explore available group benefit options based on the needs, size and circumstances of your organization.
Corporate-Owned Life Insurance
Corporate-owned life insurance may form part of a broader protection and planning strategy for incorporated business owners.
Depending on individual circumstances, it may be considered for needs such as business protection, succession planning, estate planning, or other long-term corporate objectives.
Immediate Financing Arrangement (IFA)
An Immediate Financing Arrangement (IFA) is a specialized strategy that may combine permanent life insurance with borrowing to help eligible individuals or business owners address insurance needs while maintaining access to capital.
These arrangements can be complex and are not suitable for everyone. Eligibility, borrowing requirements, financial circumstances, tax considerations, and individual objectives should be carefully reviewed before proceeding.
Plan Your Legacy
Estate & Legacy Planning
Protect what you’ve built and plan for the future with insurance and investment strategies that can support wealth preservation, beneficiaries and your financial legacy.
Estate Planning Strategies
Estate planning brings together important decisions about your assets, beneficiaries and financial legacy. Explore insurance and investment solutions that may support your estate planning goals and complement advice from your legal and tax professionals.
Financial Planning
Financial planning starts with understanding where you are today and what you want to achieve. Explore strategies based on your financial priorities, protection needs, savings, investments and long-term goals.
Not Sure Where to Start?
You don't need to know which insurance product or investment option you need before reaching out.
Start with what you're trying to accomplish — protecting your family, preparing for unexpected events, welcoming parents or grandparents to Canada, saving for education, planning for retirement, building wealth, or addressing the needs of your business.
Rinku can help you understand the available options and discuss solutions based on your needs and financial goals.
Let’s Start a Conversation