Insurance is vital in protecting the financial stability of those you love the most. It is imperative to have insurance to ensure that your loved ones are not left stranded with debts, bills and no income. The insurance needs of clients fall into one or more of the following:

  • Death

  • Health (critical illness, medical and travel)

  • Income replacement

  • Taxes (intergenerational wealth transfer)

RNS’ provincially licensed coaches will help clients make the decision as to which insurance product best meets their unique personal and familial circumstances. RNS has the in-house expertise necessary to provide home and auto-related insurance services.

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Insurance Services

Life Insurance is vital in protecting the financial stability of those you love the most, in the event of your death. It is imperative to invest in life Insurance to ensure that your loved ones are not left stranded with debts, bills and no income in the event of your passing. There are several types of life insurance available and we will help you decide which plan suits your needs the best.


Term insurance or assurance is life insurance that offers coverage at a fixed rate for a limited amount of time, or the specified term. Term insurance is most convenient when the client is going through a period of high financial risk. However, once the term ends the client has to either renegotiate a new plan or change to a more permanent plan. Typically, term life insurance has the lowest initial and exponential costs for an insurance plan, although costs can increase every 5, 10 or 20 years.


Permanent life insurance indicates a plan that offers lifelong coverage and guarantees lifetime protection. Usually, the premiums on permanent life insurance plans are higher when the client is older and lower when younger. Generally speaking, these costs do not change and the plan is paid out in a lump sum in the event of unexpected.


Universal Insurance refers to a more flexible but complex plan that combines long-term life insurance with the option to collect tax-deferred savings. This typically extends over a lifetime and can cost a level or increasing amount. With Universal Life Insurance, payments made that are in surplus of the insurance plan can be invested and grow tax- deferred.


Typically, whole life insurance requires that the owner pay premiums for the life of the policy. An option for whole life insurance is for it to be paid out in full, which means that the client does not need to make any further payments.

Participating Products

Participating life insurance plans have the potential for earning dividends for policyholders. When purchasing participating life insurance policies, premiums are calculated based on long-term assumptions on mortality, expenses and other related factors


To pay off debts and other expenses. In addition to providing income to cover everyday living expenses, your family needs insurance to cover any outstanding debts, like the mortgage, credit cards and car loans. Other expenses include funeral and burial costs that can easily run into the tens of thousands of dollars.


Critical illness means life threatening disease like Cancer, Kidney failure, Major Organ Transplantation, Paralysis, Coma, etc. Critical Illness is an insurance product in which the insurer has to make a lump sum cash payment if the policyholder is diagnosed with any of the specified illnesses.


Disability insurance pays disability benefits as a partial replacement of your income due to certain injuries or illnesses.


Many risks can be effectively covered by life insurance, including: payment of taxes triggered by capital gains; liquidity concerns; fair and equal compensation of heirs; elimination of an estate's debts; cash for family security.