There are many blind spots in business, and insurance coverage is a big one.

Statistics show that in the majority of small to medium-sized businesses in Canada where there are 2-5 majority shareholders, there will be at least one partner who is not able to obtain insurance via the traditional route for medical reasons.

Although group insurance can offer a non-medical solution in some scenarios, when it comes to financial security measures (life, disability, critical illness), the majority of group insurance plans are not commensurate with the compensation of your senior-level and executive staff.

We are here to help you cover all of those bases (and your blind spots):

• With life insurance being the industry-standard vehicle for funding a Unanimous Shareholders Agreement, funding this clause gets lost in your day-to-day business.

• Long-term disability coverage offered through traditional group benefit programs often under-compensates senior management, and those in the C-Suite. Executive disability coverage through RBC Insurance allows companies the ability to offset these differences in disability coverage, while incorporating this into a broader corporate income-replacement strategy.