Life insurance
Explore coverage designed to help protect the people who rely on you.
Learn more
Let’s talkProtection · Planning · Possibility
A clear plan for what matters most.
Straightforward financial guidance to help Ontario families and business owners protect today and prepare for tomorrow.
No pressure. No confusing jargon. Just clear information about your options.
Personal guidance
Clear education
Long-term relationships
How we can help
Your goals are connected.
Your strategy should be too.
Health & living benefits
Plan for the financial impact of illness, disability, and unexpected health events.
Learn moreSavings & retirement
Explore TFSA, RRSP, RESP, and FHSA strategies for retirement and other important goals.
Learn moreBusiness solutions
Review protection and planning strategies for business owners and their teams.
Learn moreRetirement & registered savings
Different goals need different tools.
Retirement planning often involves understanding how registered programs can work together. Learning about the available options can help individuals explore strategies suited to their goals and circumstances.
Tax-Free Savings Account
A flexible registered account that can support retirement, emergencies, and other savings goals.
Registered Retirement Savings Plan
A registered program designed to help Canadians save for retirement while potentially reducing taxable income.
Registered Education Savings Plan
A dedicated way to save for a child’s post-secondary education, with potential access to government education incentives.
First Home Savings Account
A registered program created to help eligible first-time home buyers save toward a qualifying home purchase.
Registered plans have eligibility rules, contribution limits, tax considerations, and withdrawal conditions. Investment products may be offered through a separately registered dealer, where permitted.
Learning Centre
Understand your options.
Clear education can make insurance easier to understand. Explore a few insurance fundamentals presented in plain language.
Understanding life insurance
Why coverage exists and the basic differences between temporary and permanent insurance.
Protection while you are living
How critical illness and disability coverage may help protect your income and plans.
Thinking about coverage needs
Common factors families consider, including debt, income replacement, and future goals.
General educational information only. Individual needs and product terms vary.
A simpler approach
Good guidance starts with listening.
Insurance, retirement planning, and registered savings programs do not need to feel intimidating. We take the time to understand where you are, explain the available options in plain language, and help you make informed decisions with confidence.
01
Talk
We start with a simple conversation about what matters to you.
02
Understand
We review your goals, priorities, and current financial picture.
03
Build
You receive clear options and a strategy shaped around your needs.
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Meet your advisor
Understanding your needs before exploring solutions.
Ruban Kumarasamy helps individuals, families, and business owners better understand insurance, registered savings programs, and retirement strategies. His approach is grounded in listening first, educating clearly, and exploring options that can grow with you.
Ruban Kumarasamy Licensed Insurance Agent · Ontario
A complimentary second opinion
Confidence can come from looking twice.
You may already have insurance, retirement savings, or registered accounts in place. A fresh perspective does not mean starting over—it can help you confirm what is working, understand what you own, and see whether your current approach still reflects the life you are building.
Request a second opinionValidate your decisions
Gain another perspective on whether your current coverage and savings approach still match your priorities.
Spot what may be overlooked
A review can help uncover outdated information, unanswered questions, or areas worth exploring further.
Understand before you decide
Clear explanations can help you compare your options without pressure.
There is no obligation to make a change. Sometimes the most valuable outcome is knowing you are on the right track.
Let’s talk
Request a time that works for you.
Share only the basic information needed to coordinate an introductory conversation. Ruban will follow up to confirm the appointment.
Keep sensitive information private.Do not include your SIN, date of birth, income, health details, policy numbers, account information, or identification documents.
Questions are welcome