R&D Insurance Agency


An Indian doctor stands in a hospital hallway discussing his patient's treatment with a female doctor. The man is holding a folder containing medical records and test results. He is smiling at his coworker as they consult the data.

Medical, Dental, Chiropractic — and everything in between!

We take the time to understand our clients – we ask the important questions to drill down to the needs that you have that are unique to you and your personal situation. We make sure you understand what’s available to you, and we share our expertise with you, so you can make informed, relevant and personal decisions.

We’re specialists just like you. You specialize in caring for people, we are people who specialize in caring for you.

From innovative and experimental medical advances to a general practitioner’s standard examination — lives are on the line. We know people are counting on you — so please know that you can count on us!

You protect lives, we protect livelihoods.

360º View of You 

“The good physician treats the disease; the great physician treats the patient who has the disease.”

– Dr. William Osler, a founder of modern medicine

For us, at R&D, a 360º view of you starts with questions for which the answers help us understand you better. Behind every insurance contract is a real person, with a real life story that gets our attention and respect.

We listen to you, so we can understand you, in order to tailor a solution just for you. We have learned since 1986, that it’s not enough to hear you, it’s more important to listen to you.

Specializing in insurance for health care practitioners…

We help design insurance contracts that fit the unique needs of health care practitioners at every stage.

We have strong alliances with a network of tax, legal, investment, and estate specialists.  We are licensed to practice in Manitoba, British Columbia, Alberta, Saskatchewan, Ontario, Nova Scotia, New Brunswick, and Newfoundland.

Disability Insurance for Medical Students / Residents / Fellows

We take the time to address all your questions and advise you based on what’s in YOUR best interest. 

RBC Medical Students Offering (MSO) — Uniquely Designed

In the event that you become disabled and suffer a drop in your earned income, disability insurance will help reduce your income loss and protect your livelihood. Disability is the first and most important insurance any physician-in-training should purchase.  It forms the foundation of a larger plan that we design for practicing physicians.

Since 1986, R&D has been advising and educating Medical Students, Residents and Fellows across Canada on the topic of insurance. We are one of the very few insurance brokers in Canada who regularly consult with RBC Insurance on their medical student offer (MSO) – Canada’s most popular and uniquely designed individual disability insurance program for medical students, residents and fellows.

Some of the MSO features include:

  • There is no Individual Disability Insurance offering like it anywhere in Canada
  • You need not have to satisfy any blood or urine tests to qualify for the coverage
  • Only 3 basic medical questions need to be answered
  • Pricing and contract wording fully guaranteed.
  • Portable world wide with no limitations
  • A starting monthly benefit of as little as $500 can be expanded to $25,000 over your career.
  • 25% guaranteed discount throughout your career

If being advised by the most well informed is important to you, then let R&D provide you with calm amid all the noise.

Doctor Smiling

and Fellows

Insurance can be opaque at the best of times – especially if you have had no prior exposure to it. Don’t worry, R&D has you covered. We will explain everything, including the minutiae (the “fine print”), and answer all your questions leading you to the insurance decision that serves your best interest.

Disability insurance is foundational to any insurance plan. In the event you become disabled and suffer a drop in your earned income, disability insurance will help reduce your income loss and protect your livelihood.  

We are diligent about being current with all Individual and Association/Group Insurance offerings that have been designed specifically for physicians.   

R&D has been insuring students since 1986. 


Doctor Smiling

In Practice

We have learned over the decades that no two practices or practitioners are identical.

Incomes vary, the way you practice varies, your duties differ from other practitioners, your needs are unique. Both your professional and personal lives change at different paces than other practitioners.

What does this mean? You need a specialist who does this work every hour of every day who can appreciate the implications of these practice differences. You need someone who can identify the little things in your life that can make all the difference in protecting your livelihood.

That’s what R&D will bring to your life.


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Estate Planning & 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.

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

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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.

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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.

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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.