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Life, Disability, Critical Illness, Long-Term Care, and Health Insurance

Insurance is an essential part of financial planning. For our clients, we conduct an insurance needs analysis and take personal goals and objectives into account when considering insurance products to meet their needs.

Given that we are independent financial advisors, we are not restricted to just one insurance carrier. We deal with the largest insurance carriers in Canada to ensure our clients insurance needs are met to the highest degree.

Personal Health and Dental insurance plans are now available to apply online today by clicking here.

Comprehensive Planning

A comprehensive financial plan will ensure you are financially healthy for your entire life, regardless of any unexpected events we may encounter.
We help my clients and their families implement various personal insurance solutions to protect, their loved ones, hard-earned salaries, and their financial goals.

There are three main categories in which one’s estate falls into:

  • 18-34: Initiation
  • 35-54: Expansion
  • 55+: Preservation

Through a combination of Insurance and Investment products that suit our clients goals, needs, and priorities, we help our clients acheive their financial goals over time by recommending only products suitable to them and monitoring them over time as their personal situation evolves.  One of the newest Life Insurance Plans offered, Manulife Vitality, is described in the video below. It's an intereactive Life Insurance that promotes and Rewards healthy living!

Group Insurance / Employee Benefits

For Business Owners:

Employers today use a variety of strategies to attract and retain top tier talent to build a dependable workforce. One of the best strategies is to do this is to set up a combination of employee benefits and retirement savings plans that fit the company’s model and direction. We help implement and service group insurance plans as well as group RRSPs & pension plans for business owners to help move their business forward.

Group plans are one of our focus areas at Ryco, and we offer unparalleled service to provide our clients with the best possible experience. 

For Employees:

It is essential for all employees with group benefits plans in place to understand exactly what they are covered for. Group plans are a piece of the financial planning puzzle, but are not the foundation or keystone. More often than not, there are gaps in employee’s coverage that they are unaware of. We help identify the blind spots in our client’s coverage, and offer the appropriate recommendations based on our client’s situation.

Introducing Manulife Vitality

Manulife Vitality life insurance can help you Live Healthy, Earn Rewards, and Save Money. For the first time, your life insurance has the potential to save you money and reward you for living a longer and healthier life. And best of all, it's fun and easy - so go out and get living!

Insurance products are issued by The Manufacturers Life Insurance Company. The Vitality Group, Inc. in association with The Manufacturers Life Insurance Company provides the Manulife Vitality Program. The Manulife Vitality Program is available with select policies. Please consult your financial representative to learn more and find out of you qualify for this product.