OUR SERVICES
HEALTH CARE PROFESSIONALS
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.
Students,
Residents,
and Fellows
In Practice
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.
Testimonials
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.
Tax/Estate Planning Handled With Care
Insurance can play a significant role in estate planning by providing financial protection, liquidity, and tax advantages.
BEST-IN-CLASS INSURANCE & ESTATE PLANNING PARTNERS
At R&D we have great relationships with a variety of partners to meet your insurance needs.
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.