{"id":3006,"date":"2023-06-23T10:57:43","date_gmt":"2023-06-23T15:57:43","guid":{"rendered":"https:\/\/rdinsurance.ca\/?page_id=3006"},"modified":"2023-07-06T11:22:34","modified_gmt":"2023-07-06T16:22:34","slug":"products-services","status":"publish","type":"page","link":"https:\/\/rdinsurance.ca\/products-services\/","title":{"rendered":"Products\/Services"},"content":{"rendered":"<style>.kb-row-layout-id_f565c7-c7 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id_f565c7-c7 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id_f565c7-c7 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id_f565c7-c7{border-bottom:1px solid #aad6b6;}.kb-row-layout-id_f565c7-c7 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id_f565c7-c7 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 1024px){.kb-row-layout-id_f565c7-c7{border-bottom:1px solid #aad6b6;}}@media all and (max-width: 767px){.kb-row-layout-id_f565c7-c7 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id_f565c7-c7{border-bottom:1px solid #aad6b6;}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id_f565c7-c7 alignfull has-kb-palette-1-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column_0fdfaa-71 > .kt-inside-inner-col,.kadence-column_0fdfaa-71 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column_0fdfaa-71 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column_0fdfaa-71 > .kt-inside-inner-col{flex-direction:column;}.kadence-column_0fdfaa-71 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column_0fdfaa-71 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column_0fdfaa-71{position:relative;}@media all and (max-width: 1024px){.kadence-column_0fdfaa-71 > .kt-inside-inner-col{flex-direction:column;}}@media all and (max-width: 767px){.kadence-column_0fdfaa-71 > .kt-inside-inner-col{flex-direction:column;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column_0fdfaa-71\"><div class=\"kt-inside-inner-col\"><style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id_190ded-11{margin-top:0px;margin-bottom:0px;}.kb-row-layout-id_190ded-11 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id_190ded-11 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id_190ded-11 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-md, 2rem);padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;grid-template-columns:minmax(0, 2fr) minmax(0, 1fr);}.kb-row-layout-id_190ded-11{border-bottom:0px solid #aad6b6;}.kb-row-layout-id_190ded-11 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id_190ded-11 > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 1024px){.kb-row-layout-id_190ded-11{border-bottom:0px solid #aad6b6;}}@media all and (max-width: 767px){.kb-row-layout-id_190ded-11 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id_190ded-11{border-bottom:0px solid #aad6b6;}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id_190ded-11 alignwide stay-third wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-left-golden kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column_8dee0f-1b > .kt-inside-inner-col{padding-top:40px;padding-bottom:50px;padding-left:80px;}.kadence-column_8dee0f-1b > .kt-inside-inner-col{border-right:1px solid #aad6b6;}.kadence-column_8dee0f-1b > .kt-inside-inner-col,.kadence-column_8dee0f-1b > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column_8dee0f-1b > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column_8dee0f-1b > .kt-inside-inner-col{flex-direction:column;}.kadence-column_8dee0f-1b > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column_8dee0f-1b > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column_8dee0f-1b{position:relative;}@media all and (max-width: 1024px){.kadence-column_8dee0f-1b > .kt-inside-inner-col{border-right:1px solid #aad6b6;flex-direction:column;}}@media all and (max-width: 767px){.kadence-column_8dee0f-1b > .kt-inside-inner-col{padding-top:30px;padding-right:60px;padding-bottom:30px;padding-left:30px;border-right:1px solid #aad6b6;flex-direction:column;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column_8dee0f-1b\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-image size-full is-resized logo-menu\"><a href=\"https:\/\/rdinsurance.ca\/\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/rdinsurance.ca\/wp-content\/uploads\/2023\/05\/46040-RDI-Logo-Horiz-RGB-LightGreen@2x.png\" alt=\"R&amp;D Insurance Agency\" class=\"wp-image-156\" width=\"243\" height=\"85\" srcset=\"https:\/\/rdinsurance.ca\/wp-content\/uploads\/2023\/05\/46040-RDI-Logo-Horiz-RGB-LightGreen@2x.png 486w, https:\/\/rdinsurance.ca\/wp-content\/uploads\/2023\/05\/46040-RDI-Logo-Horiz-RGB-LightGreen@2x-300x105.png 300w\" sizes=\"(max-width: 243px) 100vw, 243px\" \/><\/a><\/figure>\n<\/div><\/div>\n\n\n<style>.kadence-column_6d024a-8d > .kt-inside-inner-col,.kadence-column_6d024a-8d > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column_6d024a-8d > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column_6d024a-8d > .kt-inside-inner-col{flex-direction:column;}.kadence-column_6d024a-8d > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column_6d024a-8d > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column_6d024a-8d{position:relative;}@media all and (max-width: 1024px){.kadence-column_6d024a-8d > .kt-inside-inner-col{flex-direction:column;}}@media all and (max-width: 767px){.kadence-column_6d024a-8d > .kt-inside-inner-col{flex-direction:column;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column_6d024a-8d\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-image size-large hamburger\"><img loading=\"lazy\" decoding=\"async\" width=\"27\" height=\"21\" src=\"https:\/\/rdinsurance.ca\/wp-content\/uploads\/2023\/05\/Icon-feather-menu1.svg\" alt=\"\" class=\"wp-image-537\"\/><\/figure>\n<\/div><\/div>\n\n<\/div><\/div><\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id_dd57c3-10 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id_dd57c3-10 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id_dd57c3-10 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id_dd57c3-10 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id_dd57c3-10 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id_dd57c3-10 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id_dd57c3-10 alignfull has-kb-palette-1-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column_76650e-de > .kt-inside-inner-col,.kadence-column_76650e-de > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column_76650e-de > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column_76650e-de > .kt-inside-inner-col{flex-direction:column;}.kadence-column_76650e-de > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column_76650e-de > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column_76650e-de{position:relative;}@media all and (max-width: 1024px){.kadence-column_76650e-de > .kt-inside-inner-col{flex-direction:column;}}@media all and (max-width: 767px){.kadence-column_76650e-de > .kt-inside-inner-col{flex-direction:column;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column_76650e-de\"><div class=\"kt-inside-inner-col\"><style>.kb-row-layout-id_07dd2b-af > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id_07dd2b-af > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id_07dd2b-af > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id_07dd2b-af{border-bottom:1px solid #aad6b6;}.kb-row-layout-id_07dd2b-af > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id_07dd2b-af > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 1024px){.kb-row-layout-id_07dd2b-af{border-bottom:1px solid #aad6b6;}}@media all and (max-width: 767px){.kb-row-layout-id_07dd2b-af > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id_07dd2b-af{border-bottom:1px solid #aad6b6;}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id_07dd2b-af alignfull has-kb-palette-1-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column_47c774-d8 > .kt-inside-inner-col,.kadence-column_47c774-d8 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column_47c774-d8 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column_47c774-d8 > .kt-inside-inner-col{flex-direction:column;}.kadence-column_47c774-d8 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column_47c774-d8 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column_47c774-d8{position:relative;}@media all and (max-width: 1024px){.kadence-column_47c774-d8 > .kt-inside-inner-col{flex-direction:column;}}@media all and (max-width: 767px){.kadence-column_47c774-d8 > .kt-inside-inner-col{flex-direction:column;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column_47c774-d8\"><div class=\"kt-inside-inner-col\"><style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id_65af41-93{margin-top:0px;margin-bottom:0px;}.kb-row-layout-id_65af41-93 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id_65af41-93 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id_65af41-93 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-md, 2rem);padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;grid-template-columns:minmax(0, 2fr) minmax(0, 1fr);}.kb-row-layout-id_65af41-93{border-bottom:0px solid #aad6b6;}.kb-row-layout-id_65af41-93 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id_65af41-93 > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 1024px){.kb-row-layout-id_65af41-93{border-bottom:0px solid #aad6b6;}}@media all and (max-width: 767px){.kb-row-layout-id_65af41-93 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );grid-template-columns:minmax(0, 2fr) minmax(0, 1fr);}.kb-row-layout-id_65af41-93{border-bottom:0px solid #aad6b6;}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id_65af41-93 alignwide stay-third wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-left-golden kt-tab-layout-inherit kt-mobile-layout-left-golden kt-row-valign-top\">\n<style>.kadence-column_b72ac7-05 > .kt-inside-inner-col{padding-top:40px;padding-bottom:50px;padding-left:81px;}.kadence-column_b72ac7-05 > .kt-inside-inner-col{border-right:1px solid #aad6b6;}.kadence-column_b72ac7-05 > .kt-inside-inner-col,.kadence-column_b72ac7-05 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column_b72ac7-05 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column_b72ac7-05 > .kt-inside-inner-col{flex-direction:column;}.kadence-column_b72ac7-05 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column_b72ac7-05 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column_b72ac7-05{position:relative;}@media all and (max-width: 1024px){.kadence-column_b72ac7-05 > .kt-inside-inner-col{border-right:1px solid #aad6b6;flex-direction:column;}}@media all and (max-width: 767px){.kadence-column_b72ac7-05 > .kt-inside-inner-col{padding-left:30px;border-right:1px solid #aad6b6;flex-direction:column;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column_b72ac7-05\"><div class=\"kt-inside-inner-col\">\n<p class=\"plantin-reg desktop-only has-kb-palette-2-color has-text-color\" id=\"testimonial-title\" style=\"font-size:20px;letter-spacing:4px;text-transform:uppercase\">products\/services<\/p>\n\n\n\n<p class=\"plantin-reg mobile-only has-kb-palette-2-color has-text-color\" id=\"testimonial-title\" style=\"font-size:20px;letter-spacing:4px;text-transform:uppercase\">products\/<br>services<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column_c529d4-70 > .kt-inside-inner-col,.kadence-column_c529d4-70 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column_c529d4-70 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column_c529d4-70 > .kt-inside-inner-col{flex-direction:column;}.kadence-column_c529d4-70 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column_c529d4-70 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column_c529d4-70{position:relative;}@media all and (max-width: 1024px){.kadence-column_c529d4-70 > .kt-inside-inner-col{flex-direction:column;}}@media all and (max-width: 767px){.kadence-column_c529d4-70 > .kt-inside-inner-col{flex-direction:column;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column_c529d4-70\"><div class=\"kt-inside-inner-col\"><\/div><\/div>\n\n<\/div><\/div><\/div><\/div>\n\n<\/div><\/div><\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id_3cb0ba-bf > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id_3cb0ba-bf > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id_3cb0ba-bf > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id_3cb0ba-bf > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id_3cb0ba-bf > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id_3cb0ba-bf > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id_3cb0ba-bf alignfull has-kb-palette-1-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column_512adc-c9 > .kt-inside-inner-col,.kadence-column_512adc-c9 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column_512adc-c9 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column_512adc-c9 > .kt-inside-inner-col{flex-direction:column;}.kadence-column_512adc-c9 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column_512adc-c9 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column_512adc-c9{position:relative;}@media all and (max-width: 1024px){.kadence-column_512adc-c9 > .kt-inside-inner-col{flex-direction:column;}}@media all and (max-width: 767px){.kadence-column_512adc-c9 > .kt-inside-inner-col{flex-direction:column;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column_512adc-c9\"><div class=\"kt-inside-inner-col\"><style>.kb-row-layout-id_744a53-42 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id_744a53-42 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id_744a53-42 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id_744a53-42{border-bottom:1px solid #aad6b6;}.kb-row-layout-id_744a53-42 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id_744a53-42 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 1024px){.kb-row-layout-id_744a53-42{border-bottom:1px solid #aad6b6;}}@media all and (max-width: 767px){.kb-row-layout-id_744a53-42 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id_744a53-42{border-bottom:1px solid #aad6b6;}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id_744a53-42 alignfull has-kb-palette-1-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column_51ee06-81 > .kt-inside-inner-col,.kadence-column_51ee06-81 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column_51ee06-81 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column_51ee06-81 > .kt-inside-inner-col{flex-direction:column;}.kadence-column_51ee06-81 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column_51ee06-81 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column_51ee06-81{position:relative;}@media all and (max-width: 1024px){.kadence-column_51ee06-81 > .kt-inside-inner-col{flex-direction:column;}}@media all and (max-width: 767px){.kadence-column_51ee06-81 > .kt-inside-inner-col{flex-direction:column;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column_51ee06-81\"><div class=\"kt-inside-inner-col\"><style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id_6d6310-68{margin-top:0px;margin-bottom:0px;}.kb-row-layout-id_6d6310-68 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id_6d6310-68 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id_6d6310-68 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-md, 2rem);padding-top:75px;padding-right:0px;padding-bottom:75px;padding-left:0px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id_6d6310-68{border-bottom:0px solid #aad6b6;}.kb-row-layout-id_6d6310-68 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id_6d6310-68 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 1024px){.kb-row-layout-id_6d6310-68{border-bottom:0px solid #aad6b6;}}@media all and (max-width: 767px){.kb-row-layout-id_6d6310-68 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id_6d6310-68{border-bottom:0px solid #aad6b6;}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id_6d6310-68 alignwide wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column_a51c31-2d > .kt-inside-inner-col{padding-top:40px;padding-right:121px;padding-bottom:50px;padding-left:81px;}.kadence-column_a51c31-2d > .kt-inside-inner-col{border-right:0px solid #aad6b6;}.kadence-column_a51c31-2d > .kt-inside-inner-col,.kadence-column_a51c31-2d > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column_a51c31-2d > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column_a51c31-2d > .kt-inside-inner-col{flex-direction:column;}.kadence-column_a51c31-2d > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column_a51c31-2d > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column_a51c31-2d{position:relative;}@media all and (max-width: 1024px){.kadence-column_a51c31-2d > .kt-inside-inner-col{border-right:0px solid #aad6b6;flex-direction:column;}}@media all and (max-width: 767px){.kadence-column_a51c31-2d > .kt-inside-inner-col{padding-right:30px;padding-left:60px;border-right:0px solid #aad6b6;flex-direction:column;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column_a51c31-2d testimonials\"><div class=\"kt-inside-inner-col\">\n<h2 class=\"wp-block-heading plantin-reg products_subheader has-white-color has-text-color\">Students Residents Fellows &#8211; Health Care Professionals<\/h2>\n\n\n<style>.kt-accordion-id_f8bf87-80 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kt-accordion-id_f8bf87-80 .wp-block-kadence-pane .kt-accordion-header-wrap .kt-blocks-accordion-header{border-top:1px solid #aad6b6;border-right:0px solid #f2f2f2;border-bottom:1px solid #aad6b6;border-left:0px solid #f2f2f2;border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;font-size:30px;line-height:1;color:#aad6b6;padding-top:14px;padding-right:10px;padding-bottom:6px;padding-left:16px;}.kt-accordion-wrap.kt-accordion-id_f8bf87-80 > .kt-accordion-inner-wrap > .kt-accordion-pane > .kt-accordion-header-wrap{margin-top:35px;}.single-content .wp-block-kadence-pane>h2:first-child,\n\t\t\t.single-content .wp-block-kadence-pane>h3:first-child,\n\t\t\t.single-content .wp-block-kadence-pane>h4:first-child,\n\t\t\t.single-content .wp-block-kadence-pane>h5:first-child,\n\t\t\t.single-content .wp-block-kadence-pane>h6:first-child{margin-top:35px;}.kt-accordion-id_f8bf87-80:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id_f8bf87-80:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-icon-trigger:before{background:#aad6b6;}.kt-accordion-id_f8bf87-80 .kt-accordion-panel-inner, .kt-accordion-id_f8bf87-80 .kt-accordion-panel-inner h1, .kt-accordion-id_f8bf87-80 .kt-accordion-panel-inner h2, .kt-accordion-id_f8bf87-80 .kt-accordion-panel-inner h3, .kt-accordion-id_f8bf87-80 .kt-accordion-panel-inner h4, .kt-accordion-id_f8bf87-80 .kt-accordion-panel-inner h5, .kt-accordion-id_f8bf87-80 .kt-accordion-panel-inner h6{color:#ffffff;}.kt-accordion-id_f8bf87-80 .kt-accordion-panel-inner a{color:#aad6b6;}.kt-accordion-id_f8bf87-80 .kt-accordion-panel-inner a:hover{color:#d5d1cb;}.kt-accordion-id_f8bf87-80:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger{background:#aad6b6;}.kt-accordion-id_f8bf87-80 .kt-accordion-header-wrap .kt-blocks-accordion-header:hover, body:not(.hide-focus-outline) .kt-accordion-id_f8bf87-80 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus{color:#ffffff;border-top:0px solid #aad6b6;border-right:0px solid #aad6b6;border-bottom:0px solid #aad6b6;border-left:0px solid #aad6b6;}.kt-accordion-id_f8bf87-80:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id_f8bf87-80:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id_f8bf87-80:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:focus .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id_f8bf87-80:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:focus .kt-blocks-accordion-icon-trigger:before{background:#ffffff;}.kt-accordion-id_f8bf87-80:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger, body:not(.hide-focus-outline) .kt-accordion-id_f8bf87-80:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header:focus .kt-blocks-accordion-icon-trigger{background:#ffffff;}.kt-accordion-id_f8bf87-80 .kt-accordion-header-wrap .kt-blocks-accordion-header.kt-accordion-panel-active{color:#aad6b6;border-top:1px solid #aad6b6;border-right:1px solid #aad6b6;border-bottom:1px solid #aad6b6;border-left:1px solid #aad6b6;}.kt-accordion-id_f8bf87-80:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id_f8bf87-80:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:#aad6b6;}.kt-accordion-id_f8bf87-80:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger{background:#aad6b6;}@media all and (max-width: 1024px){.kt-accordion-id_f8bf87-80 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;}}@media all and (max-width: 1024px){.kt-accordion-id_f8bf87-80 .wp-block-kadence-pane .kt-accordion-header-wrap .kt-blocks-accordion-header{border-top:1px solid #aad6b6;border-right:0px solid #f2f2f2;border-bottom:1px solid #aad6b6;border-left:0px solid #f2f2f2;}}@media all and (max-width: 1024px){.kt-accordion-id_f8bf87-80 .kt-accordion-header-wrap .kt-blocks-accordion-header:hover, body:not(.hide-focus-outline) .kt-accordion-id_f8bf87-80 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus{border-top:0px solid #aad6b6;border-right:0px solid #aad6b6;border-bottom:0px solid #aad6b6;border-left:0px solid #aad6b6;}}@media all and (max-width: 1024px){.kt-accordion-id_f8bf87-80 .kt-accordion-header-wrap .kt-blocks-accordion-header.kt-accordion-panel-active{border-top:1px solid #aad6b6;border-right:1px solid #aad6b6;border-bottom:1px solid #aad6b6;border-left:1px solid #aad6b6;}}@media all and (max-width: 767px){.kt-accordion-id_f8bf87-80 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;}.kt-accordion-id_f8bf87-80 .wp-block-kadence-pane .kt-accordion-header-wrap .kt-blocks-accordion-header{border-top:1px solid #aad6b6;border-right:0px solid #f2f2f2;border-bottom:1px solid #aad6b6;border-left:0px solid #f2f2f2;}.kt-accordion-id_f8bf87-80 .kt-accordion-header-wrap .kt-blocks-accordion-header:hover, body:not(.hide-focus-outline) .kt-accordion-id_f8bf87-80 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus{border-top:0px solid #aad6b6;border-right:0px solid #aad6b6;border-bottom:0px solid #aad6b6;border-left:0px solid #aad6b6;}.kt-accordion-id_f8bf87-80 .kt-accordion-header-wrap .kt-blocks-accordion-header.kt-accordion-panel-active{border-top:1px solid #aad6b6;border-right:1px solid #aad6b6;border-bottom:1px solid #aad6b6;border-left:1px solid #aad6b6;}}<\/style>\n<div class=\"wp-block-kadence-accordion alignnone\"><div class=\"kt-accordion-wrap kt-accordion-id_f8bf87-80 kt-accordion-has-3-panes kt-active-pane-0 kt-accordion-block kt-pane-header-alignment-left kt-accodion-icon-style-basic kt-accodion-icon-side-right\" style=\"max-width:none\"><div class=\"kt-accordion-inner-wrap\" data-allow-multiple-open=\"false\" data-start-open=\"none\">\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-1 kt-pane_0db7fb-2b\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><strong>Medical Students Disability Insurance Offering (MSO)<\/strong><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\"><style>.wp-block-kadence-advancedbtn.kb-btns_5dc450-ff{padding-top:50px;padding-right:0px;padding-bottom:0px;padding-left:100px;gap:var(--global-kb-gap-xs, 0.5rem );justify-content:flex-start;align-items:center;}.kt-btns_5dc450-ff .kt-button{font-weight:normal;font-style:normal;}.kt-btns_5dc450-ff .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns_5dc450-ff .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns_5dc450-ff .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns_5dc450-ff .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns_5dc450-ff .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns_5dc450-ff .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns_5dc450-ff .kt-btn-wrap-0 .kt-button:focus{background:#444444;}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns_5dc450-ff\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn_92f6d3-3d.kb-button{width:initial;}.wp-block-kadence-advancedbtn .kb-btn_92f6d3-3d.kb-button{color:#ffffff;border-top-left-radius:28px;border-top-right-radius:28px;border-bottom-right-radius:28px;border-bottom-left-radius:28px;border-top:0px solid #ffffff;border-right:0px solid #ffffff;border-bottom:0px solid #ffffff;border-left:0px solid #ffffff;padding-top:5px;padding-right:39px;padding-bottom:4px;padding-left:39px;}.wp-block-kadence-advancedbtn .kb-btn_92f6d3-3d.kb-button:hover{color:#d5d1cb;border-top-color:#d5d1cb;border-top-style:solid;border-right-color:#d5d1cb;border-right-style:solid;border-bottom-color:#d5d1cb;border-bottom-style:solid;border-left-color:#d5d1cb;border-left-style:solid;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn .kb-btn_92f6d3-3d.kb-button{border-top:0px solid #ffffff;border-right:0px solid #ffffff;border-bottom:0px solid #ffffff;border-left:0px solid #ffffff;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn .kb-btn_92f6d3-3d.kb-button:hover{border-top-color:#d5d1cb;border-top-style:solid;border-right-color:#d5d1cb;border-right-style:solid;border-bottom-color:#d5d1cb;border-bottom-style:solid;border-left-color:#d5d1cb;border-left-style:solid;}}@media all and (max-width: 1024px){.kb-btn_92f6d3-3d.kb-button .kb-svg-icon-wrap{display:block;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn_92f6d3-3d.kb-button{border-top:0px solid #ffffff;border-right:0px solid #ffffff;border-bottom:0px solid #ffffff;border-left:0px solid #ffffff;}.wp-block-kadence-advancedbtn .kb-btn_92f6d3-3d.kb-button:hover{border-top-color:#d5d1cb;border-top-style:solid;border-right-color:#d5d1cb;border-right-style:solid;border-bottom-color:#d5d1cb;border-bottom-style:solid;border-left-color:#d5d1cb;border-left-style:solid;}}<\/style><a class=\"kb-button kt-button button kb-btn_92f6d3-3d kt-btn-size-standard kt-btn-width-type-auto kb-btn-global-outline kt-btn-has-text-true kt-btn-has-svg-false double-border-button wp-block-kadence-singlebtn\" href=\"https:\/\/rdinsurance.ca\/health-care-professionals\/#students\"><span class=\"kt-btn-inner-text\">Read More<\/span><\/a><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-3 kt-pane_045e94-56\" id=\"critical\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><strong>Critical Illness Insurance &#8211; Students, Residents, Fellows<\/strong><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p>Critical illness insurance is a type of insurance coverage that provides a lump sum payment in the event you are diagnosed with any one of a listed grouping of critical illnesses. It is most common to have 24 critical illness conditions listed.<\/p>\n\n\n\n<p>Critical illness insurance is designed to help you manage the financial burden that can be associated with becoming ill. This may include the cost of treatment, recovery, and can help mitigate a reduction in income you may experience when having to rely solely on your disability insurance income \u2014 which is designed to replace only a percentage of your earned income. You have the freedom to use your critical illness insurance proceeds for any purpose.<\/p>\n\n\n\n<p>There are no requirements for you to be disabled from working in order to be eligible to receive your critical illness insurance benefit. In fact, critical illness and disability insurance are mutually exclusive which means you could very well collect on both types of insurance for the same ailment.<\/p>\n\n\n\n<p>Critical illness insurance can be purchased in two ways, with a very economical step-rate term price, or with level rate pricing with a 100% money back guarantee feature. The money back guarantee feature allows you to recoup all of the money you paid to the insurance company if you are fortunate enough to not get critically ill within 15 years since the issuance of the policy.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-2 kt-pane_3f9585-3f\" id=\"life\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><strong>Life Insurance &#8211; Students, Residents, Fellows<\/strong><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p>Life insurance is a tax-free lump sum benefit that is paid to the party of your choosing, referred to as the beneficiary.<\/p>\n\n\n\n<p>As a physician-in-training, it is typical to want to have a greater amount of life insurance than the amount that is mandated by your medical residency program. You can augment your mandated residency life insurance with an economical seven figure individual Term life insurance policy.<br><br>Augmenting your mandatory residency coverage with additional individual life insurance will help:<\/p>\n\n\n\n<ul>\n<li>Eliminate student loans and line of credit debt<\/li>\n\n\n\n<li>Eliminate mortgage debt<\/li>\n\n\n\n<li>Provide tax free lump sum capital to your dependents<\/li>\n\n\n\n<li>Lock down an amount of economical life insurance that you might otherwise be unable to qualify for at a later date.<\/li>\n<\/ul>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading plantin-reg products_subheader has-white-color has-text-color\">In Practice &#8211; Health Care Professionals<\/h2>\n\n\n<style>.kt-accordion-id_fa0c24-8e .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kt-accordion-id_fa0c24-8e .wp-block-kadence-pane .kt-accordion-header-wrap .kt-blocks-accordion-header{border-top:1px solid #aad6b6;border-right:0px solid #f2f2f2;border-bottom:1px solid #aad6b6;border-left:0px solid #f2f2f2;border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;font-size:30px;line-height:1;color:#aad6b6;padding-top:14px;padding-right:10px;padding-bottom:6px;padding-left:16px;}.kt-accordion-wrap.kt-accordion-id_fa0c24-8e > .kt-accordion-inner-wrap > .kt-accordion-pane > .kt-accordion-header-wrap{margin-top:35px;}.single-content .wp-block-kadence-pane>h2:first-child,\n\t\t\t.single-content .wp-block-kadence-pane>h3:first-child,\n\t\t\t.single-content .wp-block-kadence-pane>h4:first-child,\n\t\t\t.single-content .wp-block-kadence-pane>h5:first-child,\n\t\t\t.single-content .wp-block-kadence-pane>h6:first-child{margin-top:35px;}.kt-accordion-id_fa0c24-8e:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id_fa0c24-8e:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-icon-trigger:before{background:#aad6b6;}.kt-accordion-id_fa0c24-8e .kt-accordion-panel-inner, .kt-accordion-id_fa0c24-8e .kt-accordion-panel-inner h1, .kt-accordion-id_fa0c24-8e .kt-accordion-panel-inner h2, .kt-accordion-id_fa0c24-8e .kt-accordion-panel-inner h3, .kt-accordion-id_fa0c24-8e .kt-accordion-panel-inner h4, .kt-accordion-id_fa0c24-8e .kt-accordion-panel-inner h5, .kt-accordion-id_fa0c24-8e .kt-accordion-panel-inner h6{color:#ffffff;}.kt-accordion-id_fa0c24-8e .kt-accordion-panel-inner a{color:#aad6b6;}.kt-accordion-id_fa0c24-8e .kt-accordion-panel-inner a:hover{color:#d5d1cb;}.kt-accordion-id_fa0c24-8e:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger{background:#aad6b6;}.kt-accordion-id_fa0c24-8e .kt-accordion-header-wrap .kt-blocks-accordion-header:hover, body:not(.hide-focus-outline) .kt-accordion-id_fa0c24-8e .kt-accordion-header-wrap .kt-blocks-accordion-header:focus{color:#ffffff;border-top:0px solid #aad6b6;border-right:0px solid #aad6b6;border-bottom:0px solid #aad6b6;border-left:0px solid #aad6b6;}.kt-accordion-id_fa0c24-8e:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id_fa0c24-8e:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id_fa0c24-8e:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:focus .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id_fa0c24-8e:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:focus .kt-blocks-accordion-icon-trigger:before{background:#ffffff;}.kt-accordion-id_fa0c24-8e:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger, body:not(.hide-focus-outline) .kt-accordion-id_fa0c24-8e:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header:focus .kt-blocks-accordion-icon-trigger{background:#ffffff;}.kt-accordion-id_fa0c24-8e .kt-accordion-header-wrap .kt-blocks-accordion-header.kt-accordion-panel-active{color:#aad6b6;border-top:1px solid #aad6b6;border-right:1px solid #aad6b6;border-bottom:1px solid #aad6b6;border-left:1px solid #aad6b6;}.kt-accordion-id_fa0c24-8e:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id_fa0c24-8e:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:#aad6b6;}.kt-accordion-id_fa0c24-8e:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger{background:#aad6b6;}@media all and (max-width: 1024px){.kt-accordion-id_fa0c24-8e .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;}}@media all and (max-width: 1024px){.kt-accordion-id_fa0c24-8e .wp-block-kadence-pane .kt-accordion-header-wrap .kt-blocks-accordion-header{border-top:1px solid #aad6b6;border-right:0px solid #f2f2f2;border-bottom:1px solid #aad6b6;border-left:0px solid #f2f2f2;}}@media all and (max-width: 1024px){.kt-accordion-id_fa0c24-8e .kt-accordion-header-wrap .kt-blocks-accordion-header:hover, body:not(.hide-focus-outline) .kt-accordion-id_fa0c24-8e .kt-accordion-header-wrap .kt-blocks-accordion-header:focus{border-top:0px solid #aad6b6;border-right:0px solid #aad6b6;border-bottom:0px solid #aad6b6;border-left:0px solid #aad6b6;}}@media all and (max-width: 1024px){.kt-accordion-id_fa0c24-8e .kt-accordion-header-wrap .kt-blocks-accordion-header.kt-accordion-panel-active{border-top:1px solid #aad6b6;border-right:1px solid #aad6b6;border-bottom:1px solid #aad6b6;border-left:1px solid #aad6b6;}}@media all and (max-width: 767px){.kt-accordion-id_fa0c24-8e .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;}.kt-accordion-id_fa0c24-8e .wp-block-kadence-pane .kt-accordion-header-wrap .kt-blocks-accordion-header{border-top:1px solid #aad6b6;border-right:0px solid #f2f2f2;border-bottom:1px solid #aad6b6;border-left:0px solid #f2f2f2;}.kt-accordion-id_fa0c24-8e .kt-accordion-header-wrap .kt-blocks-accordion-header:hover, body:not(.hide-focus-outline) .kt-accordion-id_fa0c24-8e .kt-accordion-header-wrap .kt-blocks-accordion-header:focus{border-top:0px solid #aad6b6;border-right:0px solid #aad6b6;border-bottom:0px solid #aad6b6;border-left:0px solid #aad6b6;}.kt-accordion-id_fa0c24-8e .kt-accordion-header-wrap .kt-blocks-accordion-header.kt-accordion-panel-active{border-top:1px solid #aad6b6;border-right:1px solid #aad6b6;border-bottom:1px solid #aad6b6;border-left:1px solid #aad6b6;}}<\/style>\n<div class=\"wp-block-kadence-accordion alignnone\"><div class=\"kt-accordion-wrap kt-accordion-id_fa0c24-8e kt-accordion-has-4-panes kt-active-pane-0 kt-accordion-block kt-pane-header-alignment-left kt-accodion-icon-style-basic kt-accodion-icon-side-right\" style=\"max-width:none\"><div class=\"kt-accordion-inner-wrap\" data-allow-multiple-open=\"false\" data-start-open=\"none\">\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-1 kt-pane_a72f61-a0\" id=\"disability\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><strong><strong>Disability Insurance &#8211; In Practice<\/strong><\/strong><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p>Disability insurance replaces a percentage of your income when you become unable to practice your brand of specialty due to a sickness or injury. Any covered disability that precludes you from performing at full capacity can be insured and could potentially pay you for the entire duration of your disability \u2014 even for the rest of your life.<\/p>\n\n\n\n<p>As a health care professional in practice whose income is almost entirely dependent upon your ability to treat your patients, disability insurance is a must.<\/p>\n\n\n\n<p>Individual disability insurance offered today is more creative and comprehensive than ever before in the history of the insurance industry. Contrary to what most people think, it is very economical.<\/p>\n\n\n\n<p>The type of specialty in which you are engaged will be the greatest determinant in having your insurance coverage tailored to your specific practice needs.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-3 kt-pane_e79182-eb\" id=\"critical-practice\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><strong><strong>Critical Illness Insurance<\/strong><\/strong> <strong><strong>&#8211; In Practice<\/strong><\/strong><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p>Critical illness insurance is a type of insurance coverage that provides a lump sum payment if you are diagnosed with any one of a listed grouping of critical illnesses.&nbsp; It is most common to have 24 covered critical illness conditions.<\/p>\n\n\n\n<p>Critical illness insurance is designed to help you manage the financial burden that can be associated with becoming ill. This may include the cost of treatment, recovery, and can help mitigate a reduction in income you may experience when having to rely solely on your disability insurance income \u2014 which is designed to replace only a percentage of your earned income. You have the freedom to use your critical illness insurance proceeds for any purpose.<\/p>\n\n\n\n<p>There are no requirements for you to be disabled from working in order to be eligible to receive your critical illness insurance benefit. In fact, critical illness and disability insurance are mutually exclusive which means you could very well collect on both types of insurance for the same ailment.<\/p>\n\n\n\n<p>Critical illness insurance can be purchased in two ways, with a very economical step-rate term price, or with level rate pricing with a 100% money back guarantee feature. The money back guarantee feature allows you to recoup all of the money you paid to the insurance company if you are fortunate enough to not get critically ill within 15 years since the issuance of the policy.<\/p>\n\n\n\n<p>The maximum amount of critical illness insurance available in today\u2019s market for any one individual is $3,000,000. It is common for R&amp;D clients who are ultra high-income earners to purchase higher amounts of critical illness insurance in order to offset the purposeful shortfall imposed by insurance companies on the amount of disability insurance they may carry. As well, R&amp;D clients who are most likely to become disabled due to a critical illness will look at buying higher amounts of critical illness insurance compared to others.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-2 kt-pane_3738b1-bd\" id=\"life-practice\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><strong><strong>Life Insurance &#8211; In Practice<\/strong><\/strong><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p>Life insurance is a lump sum benefit that is paid to a named beneficiary. Its purpose is to:<\/p>\n\n\n\n<ul>\n<li>Replace lost income upon the death of a family\u2019s income earner, especially during a family\u2019s dependency years<\/li>\n\n\n\n<li>Eliminate all business and personal debt.<\/li>\n\n\n\n<li>Offset capital gains taxes due on death for investment and business assets that have appreciated in value over one\u2019s lifetime<\/li>\n\n\n\n<li>Shelter redundant investment capital from accrual taxation with whole life and\/or universal life<\/li>\n\n\n\n<li>Create a cascading strategy by accumulating wealth on a tax-sheltered basis that can be transferred tax-free to children and\/or grandchildren&nbsp;<\/li>\n\n\n\n<li>Efficiently fund shareholder and partnership agreements<\/li>\n\n\n\n<li>Create a sizable tax deduction by endowing registered charities with life insurance<\/li>\n<\/ul>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-4 kt-pane_54c41f-a9\" id=\"office-practice\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><strong>Office Overhead Insurance &#8211; In Practice<\/strong><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p>If you own your own practice and are responsible for overhead in the event of a disability, R&amp;D recommends having office overhead insurance. In the event of disability, office overhead insurance reimburses you for your ongoing fixed practice overhead obligations, such as employee salaries, rent, utilities, equipment leases, monthly debt repayment obligations, professional dues and other essential expenses \u2014 ensuring the continuity of your practice during your absence caused by disability.<\/p>\n\n\n\n<p>The cost of office overhead insurance is very economical and is also tax deductible.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading plantin-reg products_subheader has-white-color has-text-color\">Dental Students and Residents<\/h2>\n\n\n<style>.kt-accordion-id_cfa29b-15 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kt-accordion-id_cfa29b-15 .wp-block-kadence-pane .kt-accordion-header-wrap .kt-blocks-accordion-header{border-top:1px solid #aad6b6;border-right:0px solid #f2f2f2;border-bottom:1px solid #aad6b6;border-left:0px solid #f2f2f2;border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;font-size:30px;line-height:1;color:#aad6b6;padding-top:14px;padding-right:10px;padding-bottom:6px;padding-left:16px;}.kt-accordion-wrap.kt-accordion-id_cfa29b-15 > .kt-accordion-inner-wrap > .kt-accordion-pane > .kt-accordion-header-wrap{margin-top:35px;}.single-content .wp-block-kadence-pane>h2:first-child,\n\t\t\t.single-content .wp-block-kadence-pane>h3:first-child,\n\t\t\t.single-content .wp-block-kadence-pane>h4:first-child,\n\t\t\t.single-content .wp-block-kadence-pane>h5:first-child,\n\t\t\t.single-content .wp-block-kadence-pane>h6:first-child{margin-top:35px;}.kt-accordion-id_cfa29b-15:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id_cfa29b-15:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-icon-trigger:before{background:#aad6b6;}.kt-accordion-id_cfa29b-15 .kt-accordion-panel-inner, .kt-accordion-id_cfa29b-15 .kt-accordion-panel-inner h1, .kt-accordion-id_cfa29b-15 .kt-accordion-panel-inner h2, .kt-accordion-id_cfa29b-15 .kt-accordion-panel-inner h3, .kt-accordion-id_cfa29b-15 .kt-accordion-panel-inner h4, .kt-accordion-id_cfa29b-15 .kt-accordion-panel-inner h5, .kt-accordion-id_cfa29b-15 .kt-accordion-panel-inner h6{color:#ffffff;}.kt-accordion-id_cfa29b-15 .kt-accordion-panel-inner a{color:#aad6b6;}.kt-accordion-id_cfa29b-15 .kt-accordion-panel-inner a:hover{color:#d5d1cb;}.kt-accordion-id_cfa29b-15:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger{background:#aad6b6;}.kt-accordion-id_cfa29b-15 .kt-accordion-header-wrap .kt-blocks-accordion-header:hover, body:not(.hide-focus-outline) .kt-accordion-id_cfa29b-15 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus{color:#ffffff;border-top:0px solid #aad6b6;border-right:0px solid #aad6b6;border-bottom:0px solid #aad6b6;border-left:0px solid #aad6b6;}.kt-accordion-id_cfa29b-15:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id_cfa29b-15:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id_cfa29b-15:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:focus .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id_cfa29b-15:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:focus .kt-blocks-accordion-icon-trigger:before{background:#ffffff;}.kt-accordion-id_cfa29b-15:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger, body:not(.hide-focus-outline) .kt-accordion-id_cfa29b-15:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header:focus .kt-blocks-accordion-icon-trigger{background:#ffffff;}.kt-accordion-id_cfa29b-15 .kt-accordion-header-wrap .kt-blocks-accordion-header.kt-accordion-panel-active{color:#aad6b6;border-top:1px solid #aad6b6;border-right:1px solid #aad6b6;border-bottom:1px solid #aad6b6;border-left:1px solid #aad6b6;}.kt-accordion-id_cfa29b-15:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id_cfa29b-15:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:#aad6b6;}.kt-accordion-id_cfa29b-15:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger{background:#aad6b6;}@media all and (max-width: 1024px){.kt-accordion-id_cfa29b-15 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;}}@media all and (max-width: 1024px){.kt-accordion-id_cfa29b-15 .wp-block-kadence-pane .kt-accordion-header-wrap .kt-blocks-accordion-header{border-top:1px solid #aad6b6;border-right:0px solid #f2f2f2;border-bottom:1px solid #aad6b6;border-left:0px solid #f2f2f2;}}@media all and (max-width: 1024px){.kt-accordion-id_cfa29b-15 .kt-accordion-header-wrap .kt-blocks-accordion-header:hover, body:not(.hide-focus-outline) .kt-accordion-id_cfa29b-15 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus{border-top:0px solid #aad6b6;border-right:0px solid #aad6b6;border-bottom:0px solid #aad6b6;border-left:0px solid #aad6b6;}}@media all and (max-width: 1024px){.kt-accordion-id_cfa29b-15 .kt-accordion-header-wrap .kt-blocks-accordion-header.kt-accordion-panel-active{border-top:1px solid #aad6b6;border-right:1px solid #aad6b6;border-bottom:1px solid #aad6b6;border-left:1px solid #aad6b6;}}@media all and (max-width: 767px){.kt-accordion-id_cfa29b-15 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;}.kt-accordion-id_cfa29b-15 .wp-block-kadence-pane .kt-accordion-header-wrap .kt-blocks-accordion-header{border-top:1px solid #aad6b6;border-right:0px solid #f2f2f2;border-bottom:1px solid #aad6b6;border-left:0px solid #f2f2f2;}.kt-accordion-id_cfa29b-15 .kt-accordion-header-wrap .kt-blocks-accordion-header:hover, body:not(.hide-focus-outline) .kt-accordion-id_cfa29b-15 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus{border-top:0px solid #aad6b6;border-right:0px solid #aad6b6;border-bottom:0px solid #aad6b6;border-left:0px solid #aad6b6;}.kt-accordion-id_cfa29b-15 .kt-accordion-header-wrap .kt-blocks-accordion-header.kt-accordion-panel-active{border-top:1px solid #aad6b6;border-right:1px solid #aad6b6;border-bottom:1px solid #aad6b6;border-left:1px solid #aad6b6;}}<\/style>\n<div class=\"wp-block-kadence-accordion alignnone\"><div class=\"kt-accordion-wrap kt-accordion-id_cfa29b-15 kt-accordion-has-6-panes kt-active-pane-0 kt-accordion-block kt-pane-header-alignment-left kt-accodion-icon-style-basic kt-accodion-icon-side-right\" style=\"max-width:none\"><div class=\"kt-accordion-inner-wrap\" data-allow-multiple-open=\"false\" data-start-open=\"none\">\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-1 kt-pane_e79c81-e8\" id=\"disability-insurance\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><strong><strong>Disability Insurance<\/strong><\/strong><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p>As mentioned earlier, R&amp;D strongly encourages you, the dental student, to start your disability insurance planning as quickly as possible in order to remove the risk that you might not qualify for it before you finish your training. The facts are irrefutable \u2013 you are more likely than other students in any other professional faculty to become ineligible to purchase disability insurance by the time you graduate from your program. It is paramount to lock down your medical insurability as quickly as possible. Starting an individual disability insurance program does not have to be unaffordable \u2013 in fact, it is very economical and will provide you with the foundation to increase your monthly benefit over your entire career without having to reestablish your medical insurability.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-5 kt-pane_b84df2-a6\" id=\"critical-illness-insurance\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><strong>Critical Illness Insurance<\/strong><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p>Critical illness insurance is a type of insurance coverage that provides a lump sum payment in the event you are diagnosed with any one of a listed grouping of critical illnesses. It is most common to have 24 critical illness conditions listed.<br><br>Critical illness insurance is designed to help you manage the financial burden that can be associated with becoming ill. This may include the cost of treatment, recovery, and can help mitigate a reduction in income you may experience when having to rely solely on your disability insurance income \u2014 which is designed to replace only a percentage of your earned income. You have the freedom to use your LUMP SUM critical illness insurance proceeds for any purpose, eg: eliminating mounting student debt.<br><br>There are no requirements for you to be disabled from working in order to be eligible to receive your critical illness insurance benefit. In fact, critical illness and disability insurance are mutually exclusive which means you could very well collect on both types of insurance for the same ailment.<br><br>Critical illness insurance can be purchased in two ways, with a very economical step-rate term price, or with level rate pricing with a 100% money back guarantee feature. The money back guarantee feature allows you to recoup all of the money you paid to the insurance company if you are fortunate enough to not get critically ill within 15 years since the issuance of the policy.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-6 kt-pane_b57394-66\" id=\"life-insurance\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><strong>Life Insurance<\/strong><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p>Life insurance is a tax-free lump sum benefit that is paid to the party of your choosing, referred to as the beneficiary.<br><br>As a dentist \/ dental specialist-in-training, R&amp;D encourages you to buy a seven figure economical term life insurance policy.<br><br>Economical term life insurance will help:&nbsp;<\/p>\n\n\n\n<ul>\n<li>Eliminate student loans and line of credit debt.<\/li>\n\n\n\n<li>Eliminate mortgage debt.<\/li>\n\n\n\n<li>Provide tax free lump sum capital to your loved ones.<\/li>\n\n\n\n<li>Lock down an amount of economical life insurance that you might otherwise be unable to qualify for at a later date.<\/li>\n<\/ul>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading plantin-reg products_subheader has-white-color has-text-color\">In Practice &#8211; Dentists and Dental Specialists<\/h2>\n\n\n<style>.kt-accordion-id_2fc477-41 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kt-accordion-id_2fc477-41 .wp-block-kadence-pane .kt-accordion-header-wrap .kt-blocks-accordion-header{border-top:1px solid #aad6b6;border-right:0px solid #f2f2f2;border-bottom:1px solid #aad6b6;border-left:0px solid #f2f2f2;border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;font-size:30px;line-height:1;color:#aad6b6;padding-top:14px;padding-right:10px;padding-bottom:6px;padding-left:16px;}.kt-accordion-wrap.kt-accordion-id_2fc477-41 > .kt-accordion-inner-wrap > .kt-accordion-pane > .kt-accordion-header-wrap{margin-top:35px;}.single-content .wp-block-kadence-pane>h2:first-child,\n\t\t\t.single-content .wp-block-kadence-pane>h3:first-child,\n\t\t\t.single-content .wp-block-kadence-pane>h4:first-child,\n\t\t\t.single-content .wp-block-kadence-pane>h5:first-child,\n\t\t\t.single-content .wp-block-kadence-pane>h6:first-child{margin-top:35px;}.kt-accordion-id_2fc477-41:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id_2fc477-41:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-icon-trigger:before{background:#aad6b6;}.kt-accordion-id_2fc477-41 .kt-accordion-panel-inner, .kt-accordion-id_2fc477-41 .kt-accordion-panel-inner h1, .kt-accordion-id_2fc477-41 .kt-accordion-panel-inner h2, .kt-accordion-id_2fc477-41 .kt-accordion-panel-inner h3, .kt-accordion-id_2fc477-41 .kt-accordion-panel-inner h4, .kt-accordion-id_2fc477-41 .kt-accordion-panel-inner h5, .kt-accordion-id_2fc477-41 .kt-accordion-panel-inner h6{color:#ffffff;}.kt-accordion-id_2fc477-41 .kt-accordion-panel-inner a{color:#aad6b6;}.kt-accordion-id_2fc477-41 .kt-accordion-panel-inner a:hover{color:#d5d1cb;}.kt-accordion-id_2fc477-41:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger{background:#aad6b6;}.kt-accordion-id_2fc477-41 .kt-accordion-header-wrap .kt-blocks-accordion-header:hover, body:not(.hide-focus-outline) .kt-accordion-id_2fc477-41 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus{color:#ffffff;border-top:0px solid #aad6b6;border-right:0px solid #aad6b6;border-bottom:0px solid #aad6b6;border-left:0px solid #aad6b6;}.kt-accordion-id_2fc477-41:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id_2fc477-41:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id_2fc477-41:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:focus .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id_2fc477-41:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:focus .kt-blocks-accordion-icon-trigger:before{background:#ffffff;}.kt-accordion-id_2fc477-41:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger, body:not(.hide-focus-outline) .kt-accordion-id_2fc477-41:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header:focus .kt-blocks-accordion-icon-trigger{background:#ffffff;}.kt-accordion-id_2fc477-41 .kt-accordion-header-wrap .kt-blocks-accordion-header.kt-accordion-panel-active{color:#aad6b6;border-top:1px solid #aad6b6;border-right:1px solid #aad6b6;border-bottom:1px solid #aad6b6;border-left:1px solid #aad6b6;}.kt-accordion-id_2fc477-41:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id_2fc477-41:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:#aad6b6;}.kt-accordion-id_2fc477-41:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger{background:#aad6b6;}@media all and (max-width: 1024px){.kt-accordion-id_2fc477-41 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;}}@media all and (max-width: 1024px){.kt-accordion-id_2fc477-41 .wp-block-kadence-pane .kt-accordion-header-wrap .kt-blocks-accordion-header{border-top:1px solid #aad6b6;border-right:0px solid #f2f2f2;border-bottom:1px solid #aad6b6;border-left:0px solid #f2f2f2;}}@media all and (max-width: 1024px){.kt-accordion-id_2fc477-41 .kt-accordion-header-wrap .kt-blocks-accordion-header:hover, body:not(.hide-focus-outline) .kt-accordion-id_2fc477-41 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus{border-top:0px solid #aad6b6;border-right:0px solid #aad6b6;border-bottom:0px solid #aad6b6;border-left:0px solid #aad6b6;}}@media all and (max-width: 1024px){.kt-accordion-id_2fc477-41 .kt-accordion-header-wrap .kt-blocks-accordion-header.kt-accordion-panel-active{border-top:1px solid #aad6b6;border-right:1px solid #aad6b6;border-bottom:1px solid #aad6b6;border-left:1px solid #aad6b6;}}@media all and (max-width: 767px){.kt-accordion-id_2fc477-41 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;}.kt-accordion-id_2fc477-41 .wp-block-kadence-pane .kt-accordion-header-wrap .kt-blocks-accordion-header{border-top:1px solid #aad6b6;border-right:0px solid #f2f2f2;border-bottom:1px solid #aad6b6;border-left:0px solid #f2f2f2;}.kt-accordion-id_2fc477-41 .kt-accordion-header-wrap .kt-blocks-accordion-header:hover, body:not(.hide-focus-outline) .kt-accordion-id_2fc477-41 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus{border-top:0px solid #aad6b6;border-right:0px solid #aad6b6;border-bottom:0px solid #aad6b6;border-left:0px solid #aad6b6;}.kt-accordion-id_2fc477-41 .kt-accordion-header-wrap .kt-blocks-accordion-header.kt-accordion-panel-active{border-top:1px solid #aad6b6;border-right:1px solid #aad6b6;border-bottom:1px solid #aad6b6;border-left:1px solid #aad6b6;}}<\/style>\n<div class=\"wp-block-kadence-accordion alignnone\"><div class=\"kt-accordion-wrap kt-accordion-id_2fc477-41 kt-accordion-has-7-panes kt-active-pane-0 kt-accordion-block kt-pane-header-alignment-left kt-accodion-icon-style-basic kt-accodion-icon-side-right\" style=\"max-width:none\"><div class=\"kt-accordion-inner-wrap\" data-allow-multiple-open=\"false\" data-start-open=\"none\">\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-1 kt-pane_442346-61\" id=\"disability-insurance-in-practice\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><strong><strong>Disability Insurance<\/strong><\/strong><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p>As a dental care professional in practice your livelihood is most likely to be dependent upon your ability to treat your patients and manage your practice. This is why individual disability insurance is a must.<br><br>The dental profession has experienced some uncomplimentary changes in the recent past when it comes to disability insurance. The result of this changing environment makes it more important that your advisor is fully conversant with the opportunities that still remain to have you satisfactorily insured against the perils of disability.<br><br>Don\u2019t fret, with R&amp;D as one of your life\u2019s advisors, you will be able to count on R&amp;D \u2019s experience going back to 1986 to guide you in your quest for securing your livelihood and providing you peace of mind. Think of R&amp;D as the calm amid the storm.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-5 kt-pane_a81c89-d7\" id=\"critical-illness-insurance-in-practice\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><strong>Critical Illness Insurance\u00a0<\/strong><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p>Critical illness insurance is a type of insurance coverage that provides a lump sum payment in the event you are diagnosed with any one of a listed grouping of critical illnesses. It is most common to have 24 critical illness conditions listed.<br><br>Critical illness insurance is designed to help you manage the financial burden that can be associated with becoming ill. This may include the cost of treatment, recovery, help to mitigate a reduction in income you may experience from becoming ill, and help eliminate all debt (student, practice, mortgage debt). You have the freedom to use your LUMP SUM critical illness insurance proceeds for any purpose.<br><br>There are no requirements for you to be disabled from working in order to be eligible to receive your critical illness insurance benefit. In fact, critical illness and disability insurance are mutually exclusive which means you could very well collect on both types of insurance for the same ailment.<br><br>Critical illness insurance can be purchased in two ways, with a very economical step-rate term price, or with level rate pricing with a 100% money back guarantee feature. The money back guarantee feature allows you to recoup all of the money you paid to the insurance company if you are fortunate enough to not get critically ill within 15 years since the issuance of the policy.<br><br>The maximum amount of critical illness insurance available in today\u2019s market for any one individual is $3,000,000. It is common for R&amp;D clients who are ultra high-income earners, as well as those with significant debt (both corporate and personal) to purchase higher amounts of critical illness insurance in order to offset the purposeful shortfall imposed by insurance companies on the amount of disability insurance they may carry. Critical illness insurance is a natural&nbsp;in augmenting your disability insurance.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-6 kt-pane_9e2184-ee\" id=\"life-insurance-in-practice\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><strong>Life Insurance<\/strong><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p>Life insurance is a lump sum benefit that is paid to a named beneficiary. Its purpose is to:<\/p>\n\n\n\n<ul>\n<li>Replace lost income upon the death of a family\u2019s income earner, especially during a family\u2019s dependency years<\/li>\n\n\n\n<li>Eliminate all business and personal debt<\/li>\n\n\n\n<li>Offset capital gains taxes due on death for investment and business assets that have appreciated in value over one\u2019s lifetime<\/li>\n\n\n\n<li>Shelter redundant investment capital from accrual taxation with whole life and\/or universal life<\/li>\n\n\n\n<li>Create a cascading strategy by accumulating wealth on a tax-sheltered basis that can be transferred tax-free to children and\/or grandchildren&nbsp;<\/li>\n\n\n\n<li>Efficiently fund shareholder and partnership agreements<\/li>\n\n\n\n<li>Create a sizable tax deduction by endowing registered charities with life insurance<\/li>\n<\/ul>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-7 kt-pane_f15ccd-aa\" id=\"office-overhead-insurance-in-practice\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><strong>Office Overhead Insurance<\/strong><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p>If you own your own practice and are responsible for overhead in the event of a disability, R&amp;D recommends having office overhead insurance.<br><br>In the event of disability, office overhead insurance reimburses you for your ongoing fixed practice overhead obligations, such as employee salaries, rent, utilities, equipment leases, monthly debt repayment obligations, professional dues and other essential expenses \u2014 ensuring the continuity of your practice during your absence caused by disability.<br><br>The cost of office overhead insurance is very economical and is also tax deductible.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading plantin-reg products_subheader has-white-color has-text-color\">Estate Planning &amp; Wealth Preservation<\/h2>\n\n\n<style>.kt-accordion-id_cd54e1-01 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kt-accordion-id_cd54e1-01 .wp-block-kadence-pane .kt-accordion-header-wrap .kt-blocks-accordion-header{border-top:1px solid #aad6b6;border-right:0px solid #f2f2f2;border-bottom:1px solid #aad6b6;border-left:0px solid #f2f2f2;border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;font-size:30px;line-height:1;color:#aad6b6;padding-top:14px;padding-right:10px;padding-bottom:6px;padding-left:16px;}.kt-accordion-wrap.kt-accordion-id_cd54e1-01 > .kt-accordion-inner-wrap > .kt-accordion-pane > .kt-accordion-header-wrap{margin-top:35px;}.single-content .wp-block-kadence-pane>h2:first-child,\n\t\t\t.single-content .wp-block-kadence-pane>h3:first-child,\n\t\t\t.single-content .wp-block-kadence-pane>h4:first-child,\n\t\t\t.single-content .wp-block-kadence-pane>h5:first-child,\n\t\t\t.single-content .wp-block-kadence-pane>h6:first-child{margin-top:35px;}.kt-accordion-id_cd54e1-01:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id_cd54e1-01:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-icon-trigger:before{background:#aad6b6;}.kt-accordion-id_cd54e1-01 .kt-accordion-panel-inner, .kt-accordion-id_cd54e1-01 .kt-accordion-panel-inner h1, .kt-accordion-id_cd54e1-01 .kt-accordion-panel-inner h2, .kt-accordion-id_cd54e1-01 .kt-accordion-panel-inner h3, .kt-accordion-id_cd54e1-01 .kt-accordion-panel-inner h4, .kt-accordion-id_cd54e1-01 .kt-accordion-panel-inner h5, .kt-accordion-id_cd54e1-01 .kt-accordion-panel-inner h6{color:#ffffff;}.kt-accordion-id_cd54e1-01 .kt-accordion-panel-inner a{color:#aad6b6;}.kt-accordion-id_cd54e1-01 .kt-accordion-panel-inner a:hover{color:#d5d1cb;}.kt-accordion-id_cd54e1-01:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger{background:#aad6b6;}.kt-accordion-id_cd54e1-01 .kt-accordion-header-wrap .kt-blocks-accordion-header:hover, body:not(.hide-focus-outline) .kt-accordion-id_cd54e1-01 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus{color:#ffffff;border-top:0px solid #aad6b6;border-right:0px solid #aad6b6;border-bottom:0px solid #aad6b6;border-left:0px solid #aad6b6;}.kt-accordion-id_cd54e1-01:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id_cd54e1-01:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id_cd54e1-01:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:focus .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id_cd54e1-01:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:focus .kt-blocks-accordion-icon-trigger:before{background:#ffffff;}.kt-accordion-id_cd54e1-01:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger, body:not(.hide-focus-outline) .kt-accordion-id_cd54e1-01:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header:focus .kt-blocks-accordion-icon-trigger{background:#ffffff;}.kt-accordion-id_cd54e1-01 .kt-accordion-header-wrap .kt-blocks-accordion-header.kt-accordion-panel-active{color:#aad6b6;border-top:1px solid #aad6b6;border-right:1px solid #aad6b6;border-bottom:1px solid #aad6b6;border-left:1px solid #aad6b6;}.kt-accordion-id_cd54e1-01:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id_cd54e1-01:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:#aad6b6;}.kt-accordion-id_cd54e1-01:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger{background:#aad6b6;}@media all and (max-width: 1024px){.kt-accordion-id_cd54e1-01 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;}}@media all and (max-width: 1024px){.kt-accordion-id_cd54e1-01 .wp-block-kadence-pane .kt-accordion-header-wrap .kt-blocks-accordion-header{border-top:1px solid #aad6b6;border-right:0px solid #f2f2f2;border-bottom:1px solid #aad6b6;border-left:0px solid #f2f2f2;}}@media all and (max-width: 1024px){.kt-accordion-id_cd54e1-01 .kt-accordion-header-wrap .kt-blocks-accordion-header:hover, body:not(.hide-focus-outline) .kt-accordion-id_cd54e1-01 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus{border-top:0px solid #aad6b6;border-right:0px solid #aad6b6;border-bottom:0px solid #aad6b6;border-left:0px solid #aad6b6;}}@media all and (max-width: 1024px){.kt-accordion-id_cd54e1-01 .kt-accordion-header-wrap .kt-blocks-accordion-header.kt-accordion-panel-active{border-top:1px solid #aad6b6;border-right:1px solid #aad6b6;border-bottom:1px solid #aad6b6;border-left:1px solid #aad6b6;}}@media all and (max-width: 767px){.kt-accordion-id_cd54e1-01 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;}.kt-accordion-id_cd54e1-01 .wp-block-kadence-pane .kt-accordion-header-wrap .kt-blocks-accordion-header{border-top:1px solid #aad6b6;border-right:0px solid #f2f2f2;border-bottom:1px solid #aad6b6;border-left:0px solid #f2f2f2;}.kt-accordion-id_cd54e1-01 .kt-accordion-header-wrap .kt-blocks-accordion-header:hover, body:not(.hide-focus-outline) .kt-accordion-id_cd54e1-01 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus{border-top:0px solid #aad6b6;border-right:0px solid #aad6b6;border-bottom:0px solid #aad6b6;border-left:0px solid #aad6b6;}.kt-accordion-id_cd54e1-01 .kt-accordion-header-wrap .kt-blocks-accordion-header.kt-accordion-panel-active{border-top:1px solid #aad6b6;border-right:1px solid #aad6b6;border-bottom:1px solid #aad6b6;border-left:1px solid #aad6b6;}}<\/style>\n<div class=\"wp-block-kadence-accordion alignnone\"><div class=\"kt-accordion-wrap kt-accordion-id_cd54e1-01 kt-accordion-has-4-panes kt-active-pane-0 kt-accordion-block kt-pane-header-alignment-left kt-accodion-icon-style-basic kt-accodion-icon-side-right\" style=\"max-width:none\"><div class=\"kt-accordion-inner-wrap\" data-allow-multiple-open=\"false\" data-start-open=\"none\">\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-1 kt-pane_cff6ea-c8\" id=\"sheltered\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><strong><strong><strong>Tax Sheltered Permanent Life Insurance<\/strong><\/strong><\/strong><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p>Tax sheltered permanent life insurance is a type of life insurance policy that offers both a death benefit and a tax-advantaged savings component.<\/p>\n\n\n\n<p>It allows the policy owner, to accumulate cash value within the policy on a tax-deferred basis, meaning you can grow your savings without being subject to accrual taxation.<\/p>\n\n\n\n<p>The policy owner can access the cash value through policy loans or withdrawals, which may have tax implications. Depending on the specific circumstances, there are creative immediate financing arrangements that may in fact eliminate those tax implications.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-3 kt-pane_d11dc6-3a\" id=\"critical\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><strong><strong><strong>Estate and Wealth Creation<\/strong><\/strong><\/strong><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\"><style>.wp-block-kadence-advancedbtn.kb-btns_27655a-5a{padding-top:50px;padding-right:0px;padding-bottom:0px;padding-left:100px;gap:var(--global-kb-gap-xs, 0.5rem );justify-content:flex-start;align-items:center;}.kt-btns_27655a-5a .kt-button{font-weight:normal;font-style:normal;}.kt-btns_27655a-5a .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns_27655a-5a .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns_27655a-5a .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns_27655a-5a .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns_27655a-5a .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns_27655a-5a .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns_27655a-5a .kt-btn-wrap-0 .kt-button:focus{background:#444444;}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns_27655a-5a\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn_b36fac-e9.kb-button{width:initial;}.wp-block-kadence-advancedbtn .kb-btn_b36fac-e9.kb-button{color:#ffffff;border-top-left-radius:28px;border-top-right-radius:28px;border-bottom-right-radius:28px;border-bottom-left-radius:28px;border-top:0px solid #ffffff;border-right:0px solid #ffffff;border-bottom:0px solid #ffffff;border-left:0px solid #ffffff;padding-top:5px;padding-right:39px;padding-bottom:4px;padding-left:39px;}.wp-block-kadence-advancedbtn .kb-btn_b36fac-e9.kb-button:hover{color:#d5d1cb;border-top-color:#d5d1cb;border-top-style:solid;border-right-color:#d5d1cb;border-right-style:solid;border-bottom-color:#d5d1cb;border-bottom-style:solid;border-left-color:#d5d1cb;border-left-style:solid;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn .kb-btn_b36fac-e9.kb-button{border-top:0px solid #ffffff;border-right:0px solid #ffffff;border-bottom:0px solid #ffffff;border-left:0px solid #ffffff;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn .kb-btn_b36fac-e9.kb-button:hover{border-top-color:#d5d1cb;border-top-style:solid;border-right-color:#d5d1cb;border-right-style:solid;border-bottom-color:#d5d1cb;border-bottom-style:solid;border-left-color:#d5d1cb;border-left-style:solid;}}@media all and (max-width: 1024px){.kb-btn_b36fac-e9.kb-button .kb-svg-icon-wrap{display:block;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn_b36fac-e9.kb-button{border-top:0px solid #ffffff;border-right:0px solid #ffffff;border-bottom:0px solid #ffffff;border-left:0px solid #ffffff;}.wp-block-kadence-advancedbtn .kb-btn_b36fac-e9.kb-button:hover{border-top-color:#d5d1cb;border-top-style:solid;border-right-color:#d5d1cb;border-right-style:solid;border-bottom-color:#d5d1cb;border-bottom-style:solid;border-left-color:#d5d1cb;border-left-style:solid;}}<\/style><a class=\"kb-button kt-button button kb-btn_b36fac-e9 kt-btn-size-standard kt-btn-width-type-auto kb-btn-global-outline kt-btn-has-text-true kt-btn-has-svg-false double-border-button wp-block-kadence-singlebtn\" href=\"https:\/\/rdinsurance.ca\/health-care-professionals\/#succession\"><span class=\"kt-btn-inner-text\">Read More<\/span><\/a><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-2 kt-pane_5d0bdd-7c\" id=\"life\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><strong><strong><strong>Tax Planning for your Estate<\/strong><\/strong><\/strong><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\"><style>.wp-block-kadence-advancedbtn.kb-btns_60c7e7-7a{padding-top:50px;padding-right:0px;padding-bottom:0px;padding-left:100px;gap:var(--global-kb-gap-xs, 0.5rem );justify-content:flex-start;align-items:center;}.kt-btns_60c7e7-7a .kt-button{font-weight:normal;font-style:normal;}.kt-btns_60c7e7-7a .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns_60c7e7-7a .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns_60c7e7-7a .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns_60c7e7-7a .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns_60c7e7-7a .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns_60c7e7-7a .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns_60c7e7-7a .kt-btn-wrap-0 .kt-button:focus{background:#444444;}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns_60c7e7-7a\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn_8c0891-1f.kb-button{width:initial;}.wp-block-kadence-advancedbtn .kb-btn_8c0891-1f.kb-button{color:#ffffff;border-top-left-radius:28px;border-top-right-radius:28px;border-bottom-right-radius:28px;border-bottom-left-radius:28px;border-top:0px solid #ffffff;border-right:0px solid #ffffff;border-bottom:0px solid #ffffff;border-left:0px solid #ffffff;padding-top:5px;padding-right:39px;padding-bottom:4px;padding-left:39px;}.wp-block-kadence-advancedbtn .kb-btn_8c0891-1f.kb-button:hover{color:#d5d1cb;border-top-color:#d5d1cb;border-top-style:solid;border-right-color:#d5d1cb;border-right-style:solid;border-bottom-color:#d5d1cb;border-bottom-style:solid;border-left-color:#d5d1cb;border-left-style:solid;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn .kb-btn_8c0891-1f.kb-button{border-top:0px solid #ffffff;border-right:0px solid #ffffff;border-bottom:0px solid #ffffff;border-left:0px solid #ffffff;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn .kb-btn_8c0891-1f.kb-button:hover{border-top-color:#d5d1cb;border-top-style:solid;border-right-color:#d5d1cb;border-right-style:solid;border-bottom-color:#d5d1cb;border-bottom-style:solid;border-left-color:#d5d1cb;border-left-style:solid;}}@media all and (max-width: 1024px){.kb-btn_8c0891-1f.kb-button .kb-svg-icon-wrap{display:block;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn_8c0891-1f.kb-button{border-top:0px solid #ffffff;border-right:0px solid #ffffff;border-bottom:0px solid #ffffff;border-left:0px solid #ffffff;}.wp-block-kadence-advancedbtn .kb-btn_8c0891-1f.kb-button:hover{border-top-color:#d5d1cb;border-top-style:solid;border-right-color:#d5d1cb;border-right-style:solid;border-bottom-color:#d5d1cb;border-bottom-style:solid;border-left-color:#d5d1cb;border-left-style:solid;}}<\/style><a class=\"kb-button kt-button button kb-btn_8c0891-1f kt-btn-size-standard kt-btn-width-type-auto kb-btn-global-outline kt-btn-has-text-true kt-btn-has-svg-false double-border-button wp-block-kadence-singlebtn\" href=\"https:\/\/rdinsurance.ca\/health-care-professionals\/#estate\"><span class=\"kt-btn-inner-text\">Read More<\/span><\/a><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading plantin-reg products_subheader has-white-color has-text-color\">Executive Insurance<\/h2>\n\n\n<style>.kt-accordion-id_a5fb09-ea .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kt-accordion-id_a5fb09-ea .wp-block-kadence-pane .kt-accordion-header-wrap .kt-blocks-accordion-header{border-top:1px solid #aad6b6;border-right:0px solid #f2f2f2;border-bottom:1px solid #aad6b6;border-left:0px solid #f2f2f2;border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;font-size:30px;line-height:1;color:#aad6b6;padding-top:14px;padding-right:10px;padding-bottom:6px;padding-left:16px;}.kt-accordion-wrap.kt-accordion-id_a5fb09-ea > .kt-accordion-inner-wrap > .kt-accordion-pane > .kt-accordion-header-wrap{margin-top:35px;}.single-content .wp-block-kadence-pane>h2:first-child,\n\t\t\t.single-content .wp-block-kadence-pane>h3:first-child,\n\t\t\t.single-content .wp-block-kadence-pane>h4:first-child,\n\t\t\t.single-content .wp-block-kadence-pane>h5:first-child,\n\t\t\t.single-content .wp-block-kadence-pane>h6:first-child{margin-top:35px;}.kt-accordion-id_a5fb09-ea:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id_a5fb09-ea:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-icon-trigger:before{background:#aad6b6;}.kt-accordion-id_a5fb09-ea .kt-accordion-panel-inner, .kt-accordion-id_a5fb09-ea .kt-accordion-panel-inner h1, .kt-accordion-id_a5fb09-ea .kt-accordion-panel-inner h2, .kt-accordion-id_a5fb09-ea .kt-accordion-panel-inner h3, .kt-accordion-id_a5fb09-ea .kt-accordion-panel-inner h4, .kt-accordion-id_a5fb09-ea .kt-accordion-panel-inner h5, .kt-accordion-id_a5fb09-ea .kt-accordion-panel-inner h6{color:#ffffff;}.kt-accordion-id_a5fb09-ea .kt-accordion-panel-inner a{color:#aad6b6;}.kt-accordion-id_a5fb09-ea .kt-accordion-panel-inner a:hover{color:#d5d1cb;}.kt-accordion-id_a5fb09-ea:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger{background:#aad6b6;}.kt-accordion-id_a5fb09-ea .kt-accordion-header-wrap .kt-blocks-accordion-header:hover, body:not(.hide-focus-outline) .kt-accordion-id_a5fb09-ea .kt-accordion-header-wrap .kt-blocks-accordion-header:focus{color:#ffffff;border-top:0px solid #aad6b6;border-right:0px solid #aad6b6;border-bottom:0px solid #aad6b6;border-left:0px solid #aad6b6;}.kt-accordion-id_a5fb09-ea:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id_a5fb09-ea:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id_a5fb09-ea:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:focus .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id_a5fb09-ea:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:focus .kt-blocks-accordion-icon-trigger:before{background:#ffffff;}.kt-accordion-id_a5fb09-ea:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger, body:not(.hide-focus-outline) .kt-accordion-id_a5fb09-ea:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header:focus .kt-blocks-accordion-icon-trigger{background:#ffffff;}.kt-accordion-id_a5fb09-ea .kt-accordion-header-wrap .kt-blocks-accordion-header.kt-accordion-panel-active{color:#aad6b6;border-top:1px solid #aad6b6;border-right:1px solid #aad6b6;border-bottom:1px solid #aad6b6;border-left:1px solid #aad6b6;}.kt-accordion-id_a5fb09-ea:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id_a5fb09-ea:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:#aad6b6;}.kt-accordion-id_a5fb09-ea:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger{background:#aad6b6;}@media all and (max-width: 1024px){.kt-accordion-id_a5fb09-ea .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;}}@media all and (max-width: 1024px){.kt-accordion-id_a5fb09-ea .wp-block-kadence-pane .kt-accordion-header-wrap .kt-blocks-accordion-header{border-top:1px solid #aad6b6;border-right:0px solid #f2f2f2;border-bottom:1px solid #aad6b6;border-left:0px solid #f2f2f2;}}@media all and (max-width: 1024px){.kt-accordion-id_a5fb09-ea .kt-accordion-header-wrap .kt-blocks-accordion-header:hover, body:not(.hide-focus-outline) .kt-accordion-id_a5fb09-ea .kt-accordion-header-wrap .kt-blocks-accordion-header:focus{border-top:0px solid #aad6b6;border-right:0px solid #aad6b6;border-bottom:0px solid #aad6b6;border-left:0px solid #aad6b6;}}@media all and (max-width: 1024px){.kt-accordion-id_a5fb09-ea .kt-accordion-header-wrap .kt-blocks-accordion-header.kt-accordion-panel-active{border-top:1px solid #aad6b6;border-right:1px solid #aad6b6;border-bottom:1px solid #aad6b6;border-left:1px solid #aad6b6;}}@media all and (max-width: 767px){.kt-accordion-id_a5fb09-ea .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;}.kt-accordion-id_a5fb09-ea .wp-block-kadence-pane .kt-accordion-header-wrap .kt-blocks-accordion-header{border-top:1px solid #aad6b6;border-right:0px solid #f2f2f2;border-bottom:1px solid #aad6b6;border-left:0px solid #f2f2f2;}.kt-accordion-id_a5fb09-ea .kt-accordion-header-wrap .kt-blocks-accordion-header:hover, body:not(.hide-focus-outline) .kt-accordion-id_a5fb09-ea .kt-accordion-header-wrap .kt-blocks-accordion-header:focus{border-top:0px solid #aad6b6;border-right:0px solid #aad6b6;border-bottom:0px solid #aad6b6;border-left:0px solid #aad6b6;}.kt-accordion-id_a5fb09-ea .kt-accordion-header-wrap .kt-blocks-accordion-header.kt-accordion-panel-active{border-top:1px solid #aad6b6;border-right:1px solid #aad6b6;border-bottom:1px solid #aad6b6;border-left:1px solid #aad6b6;}}<\/style>\n<div class=\"wp-block-kadence-accordion alignnone\"><div class=\"kt-accordion-wrap kt-accordion-id_a5fb09-ea kt-accordion-has-4-panes kt-active-pane-0 kt-accordion-block kt-pane-header-alignment-left kt-accodion-icon-style-basic kt-accodion-icon-side-right\" style=\"max-width:none\"><div class=\"kt-accordion-inner-wrap\" data-allow-multiple-open=\"false\" data-start-open=\"none\">\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-1 kt-pane_f95e23-43\" id=\"individual\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><strong><strong><strong><strong>Individual Disability Insurance<\/strong><\/strong><\/strong><\/strong><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p>Disability insurance replaces a percentage of your income when you become unable work due to a sickness or injury. Any covered disability that precludes you from performing at full capacity can be insured and could potentially pay you for the entire duration of your disability \u2014 even for the rest of your life.<\/p>\n\n\n\n<p>Individual disability insurance offered today is more creative and comprehensive than ever before in the history of the insurance industry. Contrary to what most people think, it remains a very economical option.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-3 kt-pane_7d38b7-eb\" id=\"critical-bus\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><strong><strong><strong><strong>Critical Illness Insurance with Return of Premium<\/strong><\/strong><\/strong><\/strong><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p>Critical illness insurance is a type of insurance coverage that provides a lump sum payment in the event you are diagnosed with any one of a listed grouping of critical illnesses. It is most common to have 24 critical illness conditions listed.<\/p>\n\n\n\n<p>Critical illness insurance is designed to help you manage the financial burden that can be associated with becoming ill. This may include the cost of treatment, recovery, and can help mitigate a reduction in income you may experience when having to rely solely on your disability insurance income \u2014 which is designed to replace only a percentage of your earned income. You have the freedom to use your critical illness insurance proceeds for any purpose.<\/p>\n\n\n\n<p>There are no requirements for you to be disabled from working in order to be eligible to receive your critical illness insurance benefit. In fact, critical illness and disability insurance are mutually exclusive which means you could very well collect on both types of insurance for the same ailment.<\/p>\n\n\n\n<p>Critical illness insurance can be purchased in two ways, with a very economical step-rate term price, or with level rate pricing with a 100% money back guarantee feature. The money back guarantee feature allows you to recoup all of the money you paid to the insurance company if you are fortunate enough to not get critically ill within 15 years since the issuance of the policy.<\/p>\n\n\n\n<p>The maximum amount of critical illness insurance that is available in today\u2019s market for any one individual is $3,000,000. It is common for R&amp;D clients who are ultra high-income earners to purchase higher amounts of critical illness insurance in order to offset the purposeful shortfall imposed by insurance companies on the amount of disability insurance you may carry. As well, R&amp;D clients who are most likely to become disabled due to a critical illness will look at buying higher amounts of critical illness insurance compared to others.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-2 kt-pane_78f6c9-68\" id=\"term\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><strong><strong><strong><strong>Term and Tax-Sheltered Permanent Life Insurance<\/strong><\/strong><\/strong><\/strong><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p>Tax sheltered permanent life insurance is a type of life insurance policy that offers both a death benefit and a tax-advantaged savings component.<\/p>\n\n\n\n<p>It allows the policy owner, to accumulate cash value within the policy on a tax-deferred basis, meaning you can grow your savings without being subject to accrual taxation.<\/p>\n\n\n\n<p>The policy owner can access the cash value through policy loans or withdrawals, which may have tax implications. Depending on the specific circumstances, there are creative immediate financing arrangements that may in fact eliminate those tax implications.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading plantin-reg products_subheader has-white-color has-text-color\">Business Insurance<\/h2>\n\n\n<style>.kt-accordion-id_a354c3-e0 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kt-accordion-id_a354c3-e0 .wp-block-kadence-pane .kt-accordion-header-wrap .kt-blocks-accordion-header{border-top:1px solid #aad6b6;border-right:0px solid #f2f2f2;border-bottom:1px solid #aad6b6;border-left:0px solid #f2f2f2;border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;font-size:30px;line-height:1;color:#aad6b6;padding-top:14px;padding-right:10px;padding-bottom:6px;padding-left:16px;}.kt-accordion-wrap.kt-accordion-id_a354c3-e0 > .kt-accordion-inner-wrap > .kt-accordion-pane > .kt-accordion-header-wrap{margin-top:35px;}.single-content .wp-block-kadence-pane>h2:first-child,\n\t\t\t.single-content .wp-block-kadence-pane>h3:first-child,\n\t\t\t.single-content .wp-block-kadence-pane>h4:first-child,\n\t\t\t.single-content .wp-block-kadence-pane>h5:first-child,\n\t\t\t.single-content .wp-block-kadence-pane>h6:first-child{margin-top:35px;}.kt-accordion-id_a354c3-e0:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id_a354c3-e0:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-icon-trigger:before{background:#aad6b6;}.kt-accordion-id_a354c3-e0 .kt-accordion-panel-inner, .kt-accordion-id_a354c3-e0 .kt-accordion-panel-inner h1, .kt-accordion-id_a354c3-e0 .kt-accordion-panel-inner h2, .kt-accordion-id_a354c3-e0 .kt-accordion-panel-inner h3, .kt-accordion-id_a354c3-e0 .kt-accordion-panel-inner h4, .kt-accordion-id_a354c3-e0 .kt-accordion-panel-inner h5, .kt-accordion-id_a354c3-e0 .kt-accordion-panel-inner h6{color:#ffffff;}.kt-accordion-id_a354c3-e0 .kt-accordion-panel-inner a{color:#aad6b6;}.kt-accordion-id_a354c3-e0 .kt-accordion-panel-inner a:hover{color:#d5d1cb;}.kt-accordion-id_a354c3-e0:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger{background:#aad6b6;}.kt-accordion-id_a354c3-e0 .kt-accordion-header-wrap .kt-blocks-accordion-header:hover, body:not(.hide-focus-outline) .kt-accordion-id_a354c3-e0 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus{color:#ffffff;border-top:0px solid #aad6b6;border-right:0px solid #aad6b6;border-bottom:0px solid #aad6b6;border-left:0px solid #aad6b6;}.kt-accordion-id_a354c3-e0:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id_a354c3-e0:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id_a354c3-e0:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:focus .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id_a354c3-e0:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:focus .kt-blocks-accordion-icon-trigger:before{background:#ffffff;}.kt-accordion-id_a354c3-e0:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger, body:not(.hide-focus-outline) .kt-accordion-id_a354c3-e0:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header:focus .kt-blocks-accordion-icon-trigger{background:#ffffff;}.kt-accordion-id_a354c3-e0 .kt-accordion-header-wrap .kt-blocks-accordion-header.kt-accordion-panel-active{color:#aad6b6;border-top:1px solid #aad6b6;border-right:1px solid #aad6b6;border-bottom:1px solid #aad6b6;border-left:1px solid #aad6b6;}.kt-accordion-id_a354c3-e0:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id_a354c3-e0:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:#aad6b6;}.kt-accordion-id_a354c3-e0:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger{background:#aad6b6;}@media all and (max-width: 1024px){.kt-accordion-id_a354c3-e0 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;}}@media all and (max-width: 1024px){.kt-accordion-id_a354c3-e0 .wp-block-kadence-pane .kt-accordion-header-wrap .kt-blocks-accordion-header{border-top:1px solid #aad6b6;border-right:0px solid #f2f2f2;border-bottom:1px solid #aad6b6;border-left:0px solid #f2f2f2;}}@media all and (max-width: 1024px){.kt-accordion-id_a354c3-e0 .kt-accordion-header-wrap .kt-blocks-accordion-header:hover, body:not(.hide-focus-outline) .kt-accordion-id_a354c3-e0 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus{border-top:0px solid #aad6b6;border-right:0px solid #aad6b6;border-bottom:0px solid #aad6b6;border-left:0px solid #aad6b6;}}@media all and (max-width: 1024px){.kt-accordion-id_a354c3-e0 .kt-accordion-header-wrap .kt-blocks-accordion-header.kt-accordion-panel-active{border-top:1px solid #aad6b6;border-right:1px solid #aad6b6;border-bottom:1px solid #aad6b6;border-left:1px solid #aad6b6;}}@media all and (max-width: 767px){.kt-accordion-id_a354c3-e0 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;}.kt-accordion-id_a354c3-e0 .wp-block-kadence-pane .kt-accordion-header-wrap .kt-blocks-accordion-header{border-top:1px solid #aad6b6;border-right:0px solid #f2f2f2;border-bottom:1px solid #aad6b6;border-left:0px solid #f2f2f2;}.kt-accordion-id_a354c3-e0 .kt-accordion-header-wrap .kt-blocks-accordion-header:hover, body:not(.hide-focus-outline) .kt-accordion-id_a354c3-e0 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus{border-top:0px solid #aad6b6;border-right:0px solid #aad6b6;border-bottom:0px solid #aad6b6;border-left:0px solid #aad6b6;}.kt-accordion-id_a354c3-e0 .kt-accordion-header-wrap .kt-blocks-accordion-header.kt-accordion-panel-active{border-top:1px solid #aad6b6;border-right:1px solid #aad6b6;border-bottom:1px solid #aad6b6;border-left:1px solid #aad6b6;}}<\/style>\n<div class=\"wp-block-kadence-accordion alignnone\"><div class=\"kt-accordion-wrap kt-accordion-id_a354c3-e0 kt-accordion-has-5-panes kt-active-pane-0 kt-accordion-block kt-pane-header-alignment-left kt-accodion-icon-style-basic kt-accodion-icon-side-right\" style=\"max-width:none\"><div class=\"kt-accordion-inner-wrap\" data-allow-multiple-open=\"false\" data-start-open=\"none\">\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-1 kt-pane_494b5c-7a\" id=\"key\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><strong><strong><strong><strong><strong>Key Person Insurance<\/strong><\/strong><\/strong><\/strong><\/strong><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p>Key person insurance is insurance coverage that protects a business against financial loss that may occur due to the death or disability of a key employee or key individual within the organization.<\/p>\n\n\n\n<p>It is designed to provide financial resources to your business in order to mitigate the impact of losing a key person, such as a founder, executive, or employee with specialized skills or knowledge.<\/p>\n\n\n\n<p>Key person insurance helps cover costs associated with recruiting and training a replacement, maintaining business operations, fulfilling contractual obligations, and potentially compensating for a decline in revenue or business value.<\/p>\n\n\n\n<p>The policy is typically owned by the business and the benefit is paid out to the company in the event of the covered key person&#8217;s death or disability.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-3 kt-pane_295de2-fb\" id=\"overhead\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><strong><strong><strong><strong><strong>Office Overhead Insurance<\/strong><\/strong><\/strong><\/strong><\/strong><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p>In the event of disability, office overhead insurance reimburses you for your ongoing fixed business overhead obligations, such as employee salaries, rent, utilities, equipment leases, professional fees and other essential expenses \u2014 ensuring the continuity of your business during your absence caused by disability.<\/p>\n\n\n\n<p>The cost of office overhead insurance is very economical and is also tax deductible.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-2 kt-pane_572f8a-20\" id=\"partnership\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><strong><strong><strong><strong><strong>Partnership Buy Out Insurance<\/strong><\/strong><\/strong><\/strong><\/strong><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p>Partnership buyout insurance is insurance coverage that helps facilitate the smooth transfer of business ownership in the event of the death or disability of a partner within a partnership. It is designed to provide the remaining partners with the necessary funds to buy out the share or ownership interest of the deceased or disabled partner.<\/p>\n\n\n\n<p>Partnership buyout insurance ensures continuity and stability within the partnership by providing financial resources for the surviving partners to acquire the ownership interest of the departing partner.<\/p>\n\n\n\n<p>The insurance proceeds can be used to fund the buyout, cover any outstanding debts or obligations, and provide liquidity for the partnership during the transition period.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-5 kt-pane_c2ff20-63\" id=\"employee\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><strong>Employee Benefit Plan<\/strong><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p>Employee benefit plan insurance is insurance coverage that provides protection and financial benefits to employees as part of their overall employee benefits package. It is designed to provide coverage for various benefits, such as health and dental insurance, disability insurance, life insurance, and other employee welfare programs.<\/p>\n\n\n\n<p>Employee benefit plan insurance is typically provided by employers and can vary in terms of coverage and scope based on the specific plan chosen by the employer. It aims to attract and retain talented employees by offering comprehensive and valuable benefits that support the well-being and financial security of the workforce.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<\/div><\/div><\/div><\/div>\n\n<\/div><\/div><\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id_5ece38-d3{margin-top:-20px;margin-bottom:100px;}.kb-row-layout-id_5ece38-d3 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id_5ece38-d3 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id_5ece38-d3 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:66px;padding-right:0px;padding-bottom:0px;padding-left:0px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id_5ece38-d3{background-image:url('https:\/\/rdinsurance.ca\/wp-content\/uploads\/2023\/05\/Group-2321.png');background-size:auto;background-position:center center;background-attachment:scroll;background-repeat:repeat-x;}.kb-row-layout-id_5ece38-d3 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id_5ece38-d3 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id_5ece38-d3 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id_5ece38-d3 alignfull kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column_c6cd97-b2 > .kt-inside-inner-col,.kadence-column_c6cd97-b2 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column_c6cd97-b2 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column_c6cd97-b2 > .kt-inside-inner-col{flex-direction:column;}.kadence-column_c6cd97-b2 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column_c6cd97-b2 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column_c6cd97-b2{position:relative;}@media all and (max-width: 1024px){.kadence-column_c6cd97-b2 > .kt-inside-inner-col{flex-direction:column;}}@media all and (max-width: 767px){.kadence-column_c6cd97-b2 > .kt-inside-inner-col{flex-direction:column;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column_c6cd97-b2\"><div class=\"kt-inside-inner-col\"><\/div><\/div>\n\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>products\/services products\/services Students Residents Fellows &#8211; Health Care Professionals In Practice &#8211; Health Care Professionals Dental Students and Residents In Practice &#8211; Dentists and Dental Specialists Estate Planning &amp; Wealth Preservation Executive Insurance Business Insurance<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"acf":[],"_links":{"self":[{"href":"https:\/\/rdinsurance.ca\/wp-json\/wp\/v2\/pages\/3006"}],"collection":[{"href":"https:\/\/rdinsurance.ca\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/rdinsurance.ca\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/rdinsurance.ca\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/rdinsurance.ca\/wp-json\/wp\/v2\/comments?post=3006"}],"version-history":[{"count":54,"href":"https:\/\/rdinsurance.ca\/wp-json\/wp\/v2\/pages\/3006\/revisions"}],"predecessor-version":[{"id":3420,"href":"https:\/\/rdinsurance.ca\/wp-json\/wp\/v2\/pages\/3006\/revisions\/3420"}],"wp:attachment":[{"href":"https:\/\/rdinsurance.ca\/wp-json\/wp\/v2\/media?parent=3006"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}