Insurance advice built around your life, not one insurer's product list.
I'm Rachna, an independent insurance advisor helping individuals, families, and business owners across Ontario find the right Life, Health, Travel, and Business coverage — compared across multiple insurers, at no cost to you.
Rachna
Independent Insurance Advisor · Richmond Hill, ON
Independent — I compare multiple insurers, not just one
Free, no-obligation consultations
Personalized coverage recommendations
Support at claim time, not just at sign-up
What I cover
Coverage for every stage of life
Whether you're protecting your family, covering a trip abroad, or setting up benefits for your business, I'll help you compare real options from multiple insurers.
Life Insurance
Term and permanent life insurance options that make sure your family's future is secure, no matter what happens.
Learn moreHealth & Dental Insurance
Supplemental health, dental, and prescription drug plans for individuals, families, and the self-employed.
Learn moreTravel Insurance
Emergency medical, trip cancellation, Super Visa, and multi-trip travel coverage for snowbirds, vacationers, newcomers, and visitors.
Learn moreBusiness Insurance
Group benefits, key person coverage, and business protection plans for small and medium-sized businesses.
Learn moreWhy an independent broker
One advisor. Every option.
A captive agent can only sell you their own company's products. As an independent broker, I work for you — not for one insurance company — comparing coverage and pricing across the market to find what actually fits your budget and your health profile.
- Access to multiple insurers, so your options aren't limited to one company's underwriting rules
- Advice that starts with your goals, then finds the product to match — not the other way around
- One point of contact for renewals, changes, and claims, for as long as you hold the policy
A simple process
- 1
A quick conversation
We talk through your situation, your goals, and what you're trying to protect.
- 2
Options, compared
You get a clear side-by-side comparison of coverage and pricing from multiple insurers.
- 3
Ongoing support
Once you're covered, I stay your point of contact for changes, renewals, and claims.
Meet your advisor
A conversation, not a sales pitch.
I believe good insurance advice starts with listening. Before I ever mention a product, I want to understand what you're protecting, what you can comfortably budget, and what actually matters to you — then I bring you clear options and help you decide.
More about how I workAdvice first, products second
The product is whatever fits your goals and budget — never the other way around.
Straightforward, no pressure
Clear comparisons, honest recommendations, and time to think it over.
Here after the sale
I stay your point of contact for questions, changes, and claims — not just sign-up.
Common questions
Frequently asked questions
No — my advice and quote comparisons are free to you. I'm compensated by the insurance carrier once a policy is placed, the same way it works with any licensed broker.
Ready to find the right coverage?
Tell us a bit about what you need and we'll put together options from multiple insurers — no cost, no obligation.