R&D Insurance Agency


Business People Having a Meeting

Entrepreneurs, Executives & Business Leaders

We’ll work with you to protect your vision of your business and help mitigate risk and prevent loss. We do this through collaborative consultation with our insurance industry partners and your other trusted circle of advisors.

We know people are counting on you — so please know that you can count on us!

A 360° View of You

Insurance tailored to your unique needs.

For us, at R&D, a 360º view of you starts with questions for which the answers help us understand you, and your vision of your business better.

We work with you and your advisory circle to plan for your growth as owner of your business and help preserve your life’s work through innovative insurance solutions, with an eye to reducing ultimate tax erosion on death.


Executive Insurance

We have all heard the following while traveling on an airplane:

“In the unlikely event of a drop in cabin pressure, oxygen masks will drop from the panel above your head – Please secure your own mask first before helping others.”

R&D places priority on properly insuring you, the owner and visionary of your business. Doing so will provide your business with financial protection in the event of unexpected disability, critical illness and death.

Insurance will provide you, owner of your business, with financial protection in the event of unexpected sickness, injury, critical illness and death.



Business Insurance

Just like you, your business is a life force that needs protecting against loss due to disability and death of key executives and valued employees. R&D analyzes your requirements for insuring all contributors to your entity’s success, which may include the following:

– key person insurance
– office overhead insurance
– buy / sell insurance
– employee group life, disability and extended health insurance.



Estate Creation & Wealth Preservation

R&D offers estate planning solutions that can be used for creating and growing your life’s work by way of enhancing your estate value, and to offset estate taxes when they ultimately become due.

At R&D, our aim is to work closely with your trusted advisors using insurance tools to provide financial protection, liquidity, and tax advantages for your estate and its beneficiaries.



My experience in dealing with R&D Insurance has been characterized by unwavering and unquestionable RESPECT.

-Dr. Marcus Blouw

Pulmonary and Critical Care Medicine

Working with Michael and David through R&D has made choosing an appropriate insurance for my personal situation very easy and I’ve learned a lot through the process …I’m extremely happy that I was connected to R&D and will continue to use their expertise throughout my career.

-Dr. Alisha Beaudoin

Radiology resident – University of Manitoba

David is a people person and is very interested in getting to know his clients so that he can advise them on the products and services that are best for them. 

-Dr. Rizwan Manji

MD PhD FRCSC MBA, Max Rady College of Medicine, Dept of Surgery, Asper Clinical Research Institute, Associate Professor

My experience with R&D Insurance has been unequivocally positive. This is a business with lived values of care, compassion, expertise and advocacy. “Going above and beyond” is an apt descriptor of David and his team…and they do it with sincerity and genuineness.

-Dr. Calvin Bergen

Urgent Care Medicine

If you, like me, need to be sure that the person looking after your insurance needs is going to be the absolute best at it, then you need not look further than David and his team!  

-Dr. Julian Regehr

Emergency Medicine, Pre-Hospital and Transport Medicine

David and his team always go above and beyond. They provide services with a level of care, efficiency and thoroughness that exceeds anything else I’ve experienced. I’m so grateful to David for his years of knowledge and support.

-Dr. Catherine Carter

BSc, DC, Founder/Partner – Norfolk Chiropractic

I got the sense that I was in the hands of a pro who had my welfare at heart and who REALLY knew the life circumstances of medical professionals.

-Dr. Kelly S MacDonald

MD FRCPC, Professor of Medicine, Infectious Diseases Specialist – University of Manitoba

I can’t say enough wonderful things about Jona…Jona is highly personable, motivating, and skilled at creating a comfortable environment for her clients.  She keeps her programs challenging, but fun and innovative…Every workout with Jona is the best investment in me! I am so grateful to Jona and the R&D team for this client benefit.

-Dr. Lesley Ritchie

C. Psych, ABPP-CN, Clinical & Sports Neuropsychology

David was an utterly dependable and indispensable advisor and advocate as I made my way through the LTD claims process.  His team have provided exemplary service since the very start.

-Dr. E

Business people talking in meeting

Succession Planning Sets the Table for Future Generations

Business succession planning is a complex process that involves financial, strategic, legal, and tax considerations.  Insurance solutions can play a crucial role in supporting succession planning efforts by mitigating financial risks and ensuring a smooth transition.

Insurance solutions are typically used in business succession planning to help:

  • Transfer wealth and assets to the next generation
  • Provide liquidity to pay estate taxes
  • Prevent the need for selling off business assets
  • Avoid taking on debt to settle estate-related costs/obligations
  • Fund buy-sell agreements
  • Fund the death and incapacity of a key person/executive

R&D has long-standing relationships with some of Canada’s top tiered tax, legal, and estate planning professionals. Together, we can help optimize your plans for your succession.

Tax Form

Tax/Estate Planning Handled With Care

Insurance can play a significant role in estate planning by providing financial protection, liquidity, and tax advantages.

Insurance solutions are often used in estate planning to:

  • Replace lost income on the death of a family’s income earner
  • Shelter redundant investment capital from accrual taxation
  • Offset capital gains taxes due on death for investment and business assets that have appreciated in value over one’s lifetime
  • Create a cascading strategy by accumulating wealth on a tax-sheltered basis that can be transferred tax-free to children and/or grandchildren
  • Create a sizeable tax deduction by endowing registered charities with Life Insurance


At R&D we have great relationships with a variety of partners to meet your insurance needs.

RBC Logo
Manulife Logo
CanadaLife Logo
iA Logo
BMO Logo
Sun Life Logo
Canada Protection Plan Logo
Equitable Life of Canada Logo
PPI Logo

At Claim Time – Let us be your hired muscle!

Going it alone at claim time can put you at a significant disadvantage. R&D’s commitment to you is that we will advocate for you at claim time, at no cost. We will make certain that you will have any and all legitimate claims paid by navigating the claims process on your behalf. If you like us at time of purchase, you’re going to love us at time of claim.