Policy Architects
Life Insurance Company Reviews Category
RBC Life Insurance Reviews

RBC Life Insurance Reviews:

There Are Plenty Out There BUT This Is the One You Need to Read 

Sure there a ton of RBC Life Insurance Reviews on the internet. In terms of name recognition, there are one of the best-known providers of life insurance in the industry.

The thing is if you read my reviews you know that name recognition doesn’t mean this is the company for you.

Hey don’t get me wrong RBC Life Insurance is one of the best in the business and they are competitive BUT each and every insurer has different products and underwriting processes…

Psst: In case you don’t know what underwriting is, it’s the procedure that life insurance companies use to rate you and determine how much you pay for coverage.

So let’s get on with the show RIGHT now!

Why I Care Which Life Insurance Company You Pick!

My name is James Heidebrecht, the owner of Policy Architects! 

We work with people throughout Canada to help them find the right coverage at the right prices.

The thing is, life is tough. Most of us need two incomes to keep the train on the tracks financially. Which means each and every dollar counts.

My job is to educate people about life insurance so they can find incredible coverage that won’t break the bank. I don’t want you to pay a penny more than you should and part of that equation is having info BEFORE you speak to an agent.

In fact, if you speak to Policy Architects we may be able to save you THOUSANDS over the course of your term.

So with that out of the way let’s get into the RBC Life Insurance Review!

You are not getting any younger, so even if you don’t have kids yet, it’s probably the best time to get life insurance. You can always cancel it later, but you can’t go back and find a new policy at a lower rate. Lock it in now and you’re set for decades to come.

I signed up for $1 million of life insurance before I ever had kids, and I’d tell any 20-something to do the same, Business Insider 

RBC Life Insurance Reviews Question

Ah I see, you're a life insurance agent...
Hmmmm...

RBC Life Insurance Reviews Answer

Of course this is why I've got the goods. Hey we all have to make a living and life insurance is my day gig. That being said, I would still recommend life insurance coverage to ANYONE with debt & dependents. 

Life Is Expensive! 

Life costs a bomb. I think a lot of us are in denial about how much it really takes to run a home, get kids to school and programs, pay the bills and be a good parent.

What would happen if your paycheck just suddenly CEASED to exist?

Could your spouse or partner keep up with the obligations ALONE…

….or would they be overwhelmed by debt.

Chances are it’s the latter situation and to be honest this is the case for most people. That’s where life insurance comes to the rescue.

If a worst-case scenario unfolds you’re set and your family can continue to live the life they are accustomed to.

RBC Life Insurance

RBC Life Insurance Reviews 
History

RBC Life Insurance Reviews Question

OK I'm familiar with RBC Life Insurance can you tell me a little bit about them? 

RBC Life Insurance Reviews Answer

SURE! They are one of the better known insurers. So let's find out how they came to be! 

RBC started out in 1864 as the Merchants Bank of Halifax. It was a commercial bank that financed the fishing and timber industries and European and Caribbean import/export businesses.

In 1901, the Royal Bank of Canada (RBC) was formed and moved their head office to Montreal…

…expanded its presence in Manitoba, Saskatchewan, and Ontario at the same time.

By the 1960’s RBC Insurance was formed.

After a series of mergers, in 2007 RBC was named one of the top 100 most powerful brands in the world!

As you can see this company has a very strong financial presence. For the purposes of this article, we are going to stick to RBC life insurance offerings.

But to give you some idea of their wide array of insurance products they carry check this out:

  • Life insurance
  • Health Insurance
  • Auto Insurance
  • Home Insurance
  • Travel Insurance
  • Wealth and reinsurance advice
  • Creditor and business insurance services for individual, business and group clients
Life Insurance Canada

RBC Life Insurance Reviews:
Financial Rating 

RBC Life Insurance Reviews Question

Wow RBC is clearly a powerhouse. That means they are financially stable right? 

RBC Life Insurance Reviews Answer

Well you don't need to guess because you can easily dig up their financial rating. Let's take a look! 

Doing your homework when it comes to this sort of investment is VERY important.

Yes, Siree.

But the good news is, it’s pretty darned easy because we have financial ratings. Experts review current insurers to see how they are performing so you can make an educated choice.

AM Best has affirmed the Financial Strength Rating (FSR) of A (Excellent) and the Long-Term Issuer Credit Rating (Long-Term ICR) of “a+” of RBC Life Insurance Company (RBC Life) (Mississauga, Ontario). The outlook of these Credit Ratings (ratings) is stable.

AM Best Affirms Credit Ratings of RBC Life Insurance Company, MarketWatch 2019

Oh YEAH! Now that’s what I like to hear. You can sleep like a baby knowing the RBC life insurance has your back friends.

RBC Life Insurance

RBC Life Insurance Reviews on the 'Net

Ok.

I want you to hear me when I say life insurance company reviews are a slippery slope. To be perfectly honest I don’t put a ton of faith in them.

Why? Because from what I have seen over the past two years writing these reviews is that people sure like to complain.

Don’t get me wrong I am sure many, many of the complaints are justified. The thing is you have to remember that companies like RBC close THOUSANDS of transactions every year…

…and chances are you aren’t hearing from the people that had a terrific experience. That’ because they EXPECT good service.

You also have to bear in mind the product people are reviewing when they draft their review. Some of these companies, like RBC, carry tons of products.

So you want to make sure the product you want is the one being panned.

RBC Life Insurance Reviews Google 

OK, I really want to know how they do this. RBC life insurance is a seriously HUGE company but they don’t have reviews.

In my humble opinion, this is just plain smart. They are a huge company and run the risk of having people tear a sheet off of them if they are frustrated.

I think Sun Life chose to do the same thing.

Sure it makes it tougher to get a handle on what people think about their services but you never know who is going to review you and why.

So in a nutshell, I can’t give you any sort of information here.

Hmmmmm…..

RBC Life Insurance Reviews Google

RBC Life Insurance Reviews: Insureye 

RBC Life Insurance Reviews Insureye

Well as you can see you can only try to control your image online just so much.

Insureye is an independent platform that allows people to air their grievances and kudos.

Sadly RBC life insurance only received 1.6 out of 5 stars.

Remember what I said about looking through the reviews to find out what people are irritated about? Well, I perused the comments and found that it’s a real mixed bag.

Lots of clients are frustrated by the service they received for life insurance, auto insurance, disability insurance, and group benefits.

It’s seems their customer service may be lacking.

RBC Life Insurance Reviews Question

Now that doesn't look too great does it? 

RBC Life Insurance Reviews Answer

Not really, but bear in mind people are seriously stressed out when they are making claims or shelling out money for products. We just don't know the whole story my friends. 

RBC Life Insurance

RBC Life Insurance Products 

Oh yeah! This is my favorite part.

As a life insurance agent, it’s really important for me to be familiar with the products I sell. They are constantly changing and each insurer has their own take.

Don’t assume that all life insurance companies are created equal because they are not.

Each one has its own niche and specialties. So let’s find out what RBC has to offer right now!

RBC Term Life Insurance 

RBC YourTerm Life Insurance 

RBC YourTerm Life Insurance:  Offers 10 year to 40 year terms. Yes that’s right, 40 year term life insurance!

….So for example, you can purchase a 40 year term policy up to the age of 45 years. Not bad – guaranteed level monthly cost to age 85. 

In fact, RBC YourTerm allows you to customize any term period from 10 to 40 years in one year increments.

…Gotta mortgage amortized over 25 years? No problem, you can purchase a 25 year RBC YourTerm policy to cover that. If you’re in your 50’s and have taken on a 2nd mortgage or some longer-term debt, you can lock down any period of coverage up to age 85. For example, 35 year term for a 50 year old, 30 year term for a 55 year old & 27 year term for 58 year old.

You can purchase YourTerm as a single policy or a Joint first-to-die.

What’s a joint first-to-die?

It’s a policy that has two people on it, usually a couple, designed to pay out a benefit on the first death only. For example, a married couple purchase an RBC joint first-to-die 20 year term policy for $500,000. When the husband dies prematurely from a massive heart attack, his spouse is paid out the $500,000 death benefit. After that point in time, they no longer has coverage. Why would anyone want this type of a policy? Sometimes joint first-to-die coverage for a couple can be an affordable alternative to purchasing 2 individual term policies. A good idea to get in touch with an experienced independent broker who can help you crunch the numbers!

One of the unique features of RBC YourTerm Life Insurance is they offer very high coverage amounts. For example, you can get from $100,000  – $25,000,000 of protection for 10 – 40 years.  So if you are a high net individual or have business interests this may be of interest to you. 

As to be expected, all RBC YourTerm policies are convertible to RBC Universal Life or RBC Term 100 up to the age of 71. This is must-have feature with any term insurance policy. It means if God forbid, your health takes a turn for the worst or something happens, your insurability is guaranteed moving forward. Believe it or not, Primerica Canada does NOT have this feature with any of their term insurance offerings. 

Optional RBC YourTerm Riders include:

    • RBC YourTerm Rider
    • Children’s Term Rider 
    • Accidental Death Benefit Rider
    • Total Disability Waiver of Premium Benefit Rider
    • Payor Death and Disability Waiver of Premium Benefit Rider

RBC Simplified Term Life Insurance 

RBC Simplified Term Life Insurance  is touted as a quick way to get up to $1 million of term coverage without having to jump through a lot of hoops (ie. medical exams). Take a closer look at the fine print and you’ll see it says, “may not require a medical exam”. This is code for, ‘if you have any health issues whatsover, expect to undergo a life insurance medical.’

This may be a good route to take if you’re under the age of 50 and have no health issues whatsover. Keep in mind, with this type of underwriting, you’re likely limited to a standard health class rating. 

Just like RBC YourTerm, you can purchase 10 – 40 year term and anything inbetween. It also has pretty much the same options and guarantees. The coverage amounts available are $50,000  – $1,000,000.

RBC Permanent Life Insurance 

RBC Guaranteed Acceptance Life Insurance (No Medical)

If you are looking for final expense insurance this may be a good bet for you. You may obtain coverage from $5,000 – $40,000. This is perfect to cover funerals, outlying debt or to provide a nest egg for a loved one.

This coverage is offered to Canadians from ages 40 – 75.  The good news is you are instantly approved with no medical exam or health questions required. As with anything else, there’s a bit of a catch. You have to live past the 2 year waiting period before your benefits are ready to go.

Hey and by age 95, no further premiums are required, you’re all paid up!

I don’t recommend Guaranteed Acceptance for people who are healthy as it always costs more and comes with a waiting period.

RBC Guaranteed Issue Life Insurance

RBC Term 100 Life Insurance (for Conversion ONLY)

You cannot buy RBC Term 100 if you walk in off the street. It is ONLY available to existing RBC policy holders for conversion purposes. The information on RBC’s site leads you to believe you can purchase this coverage right out of the gate but that’s just not the case.

My understanding is that there was time when RBC had a guaranteed term 100 product on the market. After the market dip in 2008, they took it off the market but still needed a product to convert to. Thus RBC term 100 became available for conversions only.

RBC’s conversion option means that anyone who has an in force term policy with RBC is eligble to exchange it for permanent coverage (RBC Term 100). The great thing about it? You can do so without having to provide any medical evidence of insurability. This is a standard option with almost all term policies regardless of the carrier. It guarantees your future insurability which is a good thing.

The name “Term 100” is also confusing as it contains the word “Term” which makes you think it’s NOT permanent. However, at the end of the day Term 100 is permanent insurance…think permanent in the sense of one hundred years.

Term 100 provides you with coverage until the day you die. 

How does it work? You pay level premiums until you die or reach the age of 100. Sounds kind of strange doesn’t it, I mean, how many people are going to live to be 100? With Term to 100, you’re paying the pure cost of the insurance. Unlike whole life, there is NO cash value in the policy.

RBC Term 100 Coverage is available from $50,000 and up to people who are 18 – 85 years of age.

Options available:

  • Joint First-to-Die and Joint Last-to-Die Options
  • Term 10 or 20 Rider
  • Children’s Term Rider
  • Accidental Death Benefit Rider
  • Total Disability Waiver of Premium Benefit Rider
  • Payor Death and Disability Waiver of Premium Benefit Rider
 

RBC Universal Life Insurance (For Conversion ONLY)

Similar to RBC term 100, RBC Universal Life Insurance is available only to consumers who already have an inforce term policy with RBC.

Universal Life Insurance offers coverage until the day you die. RBC gives clients two options:

  • Level protection: Pays out a death benefit equal to the coverage amount OR the amount accumulated in your policy. The greater amount will be paid to your beneficiary.
  • Increasing protection: Pays out a death benefit equal to the coverage amount PLUS the accumulation value.

You can puchase this policy from ages 0 – 85.

Select from the following options:

  • Joint First to Die or Joint Last to Die Options
  • Disability Benefit
  • Compassionate Advance: If you get terminally ill you can get a cash advance of up to 50% of the death benefit (Max $250K)
  • Additional Term Insurance
  • Children’s Term Rider
  • Accidental Death Benefit Rider

RBC Personal Accident Insurance 

RBC Personal Accident Insurance is meant to protect your family from financial ruin in case you die in a fatal accident. 

Coverage amounts are from $50,000 – $250,000 for people from 18 – 69 years of age. This is not a guaranteed level term (premiums can rise 5% every 2 years).

The policy covers you and your spouse until age 80 for:

  • Accidental Death 
  • Air Travel Accident 

Select family coverage you get:

  • Child Care Benefits 
  • Education Benefits 
  • Spousal Job Training Benefit 
NOTE** Did you know the chances of having an accidental death are infintesimally small? 

RBC Critical Illness Insurance 

If you’ve been reading my blog you know that critical illness insurance is a policy meant to cover the  gaps left between your health insurance and life insurance.
 

People are increasingly getting illnesses like cancer, but due to technology, they are living years past their diagnosis. 

What happens to your family if you DON’T die?

This where Critical Illness insurance comes in. RBC offers two different plans: 

Critical Illness Recovery Plan 

This plan protects you from over 30 illnesses and conditions. You can purchase coverage from ages 18 – 65. Coverage amounts available are $25,000 – $2,000,000 for a term of your choice.

One cool option is you can convert your coverage to Long Term Care Insurance with no medical exam from 55 – 65 years of age.

You also have access to the following services :

  • Best Doctors 
  • Medical Confidence 
  • Daily Living Assistance 
  • The Healing Journey Program
  • Early Assistance Benefit 

Please note preexisting conditions are NOT covered and there is a 90 day survival period attached to Cancer.

There are three payment options:

  • Level premiums to age 75 (non-cancellable)
  • Level premiums to age 65 or 75 (guaranteed renewable)
  • 10-year term renewable to age 75

Critical Illness Insurance Plan 

This plan protects you from the most common critical illness claims:

  • Cancer 
  • Heart Attack 
  • Stroke 

Because it covers few conditions it’s less expensive. People ages 18 – 50 can purchase a 10 year renewable term to age 65. Coverage amount available are:

  • Lump Sum: $10,000, $25,000, $50,000 or $75,000

You also have access to the following services :

  • Best Doctors 
  • Medical Confidence 
  • Daily Living Assistance 
  • The Healing Journey Program
  • Early Assistance Benefit 
  • Return of Premium (this is optional) 

Please note preexisting conditions are NOT covered and if you have certain medical consitions you may not qualify at all. There is a 90 day survival period attached to Cancer.

Critical Illness Final Thoughts

Critical Illness insurance is a complicated product as claims are ONLY paid out when your illness fits the very specific definitions laid out in your policy. I agree with those advisors who think critical illness coverage should be considered once you’ve addressed your life and disability insurance needs first.

RBC Disability Insurance

Disability insurance is a good thing to have. Did you know the following percentages of our population have a disability:

  • 13% of our youth
  • 20% of working adults 25 – 64 years of age 
  • 38% of seniors 65 and older 

The numbers speak for themselves…

…and 1.6 million Canadians with disabilities were unable to afford required aids, medications or devices due to costs. 

This sort of coverage protects you and your family should a disability befall you and RBC has a number of options:

  1. RBC Simplified Disability Insurance: Affordable protection from 18 – 55 years of age. You can protect up to 75% of your income or $500, $1000 or $1500 per month. No medical exam is required but you have to work more than 30 hours per week.
  2. Professional Series: This policy is made for professionals who need more protection. Coverage is available from 18 – 60 years of age and benefits may be recieved for 2 or 5 years to age 65. There are a lot more options available with this plan and it’s also more expensive.
  3. Foundation Series: This is total disability protection and return to work assistance. Available for people 18 – 60 years of age and benefits may be recieved for 2, 5 or 10 years to age 65.
  4. Bridge Series: This is disability protection and return to work assistance similar to the Foundation Series for less money. Available for people 18 – 60 years of age and benefits may be recieved for 2 or 5 years to age 65.
  5. Quantum: Disability coverage and return to work assistant meant to cover a 20% reduction of your income or less. Available for people 18 – 60 years of age and benefits may be recieved for 2 or 5 years to age 65.
  6. Fundamental Series: Simple Illness coverage – just answer three questions to qualify. Available for people ages 18 – 64 for illness and ages 18 – 69 for injury (monthly benefit).
  7. Retirement Protector: If you are totally disabled this coverage contributes to your RSP if you can’t. Available for people ages 18 – 55.
RBC Life Insurance Reviews Question

Wow RBC has some interesting products. Is that all they do? 

RBC Life Insurance Reviews Answer

Nope! No way, no how. RBC is a HUGE insurance company and financial services provider BUT for my sanity and brevity we are going to stick with Life Insurance related products. I threw in the Critical Illness and Disability insurance because they work hand in glove with life insurance. 

Life Insurance Canada

RBC Life Insurance - Application Process

RBC Simplified Issue Term 

Wow! I sure like the RBC quick quote for their Simplified Issue Term Insurance. 

You just answer a few simple questions and they give you a basic online quote. They don’t require your contact information. It’s fast and efficient. Questions include: 

  • gender
  • date of birth
  • smoking status 
  • desired term
  • coverage amount.

RBC then spits out the result – the monthly premium with an option to “Buy Now”.

RBC Life Insurance Quote Online
RBC Life Insurance Reviews Question

Awesome, you can purchase your RBC policy online WITHOUT using an agent!


RBC Life Insurance Reviews Answer

Not so fast... In theory it sounds good but it's misleading. You can't really purchase life insurance in Canada online without speaking with a human being. 

Many life insurance companies today lead consumers to believe that they can purchase coverage online with just the click of a mouse. Personally, I’ve never heard of anyone buying life insurance online without having to speak with an agent or bank employee at some point. It’s a nice idea but in reality, it doesn’t happen. You fill in all your information online but at some point, someone has to call you to verify your information.  As soon as you introduce a human being into the chain, it;s not really buying online is it. 

Purchasing life insurance to protect your family or business is way too important to leave anything to chance. I would NEVER recommend purchasing a life insurance policy online if it was even possible or, directly from a bank or financial institution. 

You can, however, purchase life insurance over the phone, non-face-to-face. As long as you’re dealing with an experienced indpendent broker, this is a totally valid way to have your insurance needs met. Technology has made these types of transactions commonplace. 

Bottom line? All life insurance products have a comission built into the price regardless of where or how you purchase it. If you know you’re paying a comission anyways, you might as well get your money’s worth and speak with a knowlegable independent broker who can add some real value. 

Our client is a 30 year old woman looking for a 30 year term. She’s just starting her family and wants to make sure they are covered during their most vulnerable years.

Because she’s young and healthy she thinks RBC is a good fit. We get her a quote for the simplified issue and she seems pretty happy with their offer of $81.00 per month.

The thing is she can do better. Even if she gets a standard rating, BMO offers her coverage for less. If she calls Policy Architects and spends a little time taking a physical she saves $3,402.00 over her term. Which is pretty nice.

…BUT if she gets a preferred plus rating she saves a bomb! $9,284.00 to be exact! I bet she can think of better uses of this money.

The moral of the story? Simplified issue is NEVER the way to go if you are young, healthy and interested in saving money.

This is a very simplistic way to look at things because there are so many variables as every life insurance company differs when it comes to products and your medical assessment.

Give Policy Architects a call today to get some free advice on how you can save thousands!

RBC Also Has Some Cool Tools 

  1. You can compare their products to see which is the right one for you. It’s good to see their offerings side by side. They fill you in on whether a medical exam is necessary and the basic details of each offer.
  2. There is a small quiz to see if you need life insurance. 
  3. They also provide needs analysis calculations. 

I really like how much information they provide BEFORE you contact an agent.

For their products they suggest contacting an RBC advisor. Keep in mind a captive agent will only be allowed to sell you RBC products. If there’s a better option for you with another carrier, don’t expect to hear about it. I mentioned before employing the services of an independent life insurance agent makes the most sense as we have access to the best life insurance companies in Canada, including RBC.

RBC Life Insurance Reviews Question

AWESOME! RBC does seem to make things easy for their perspective clients! 

RBC Life Insurance Reviews Answer

They sure do. I think their site and tools are some of the best in the industry. I also appreciate their candid approach to their products. 

Humania

RBC Life Insurance Rates

This is the part of the review everyone wants to see.

I get it! It’s important to get a ballpark idea of how much life insurance is going to set you back. The thing to remember is it’s not a science.

Online rates should only be used to get a general idea of costs. The truth is you have no idea how an underwriter is going to view you…

…and that’s VERY important. Your rating makes a HUGE difference in how much you spend…

…as does your choice of company. They are not all created equal and some are more lenient than others when it comes to medical conditions.

Policy Architects
Age$250,000$500,000
35 Year Old Male$22.28$34.07
35 Year Old Female$17.24$25.74
40 Year Old Male$30.26$48.78
40 Year Old Female$22.75$36.68
45 Year Old Male$48.33$77.76
45 Year Old Female$34.22$55.44
50 Year Old Male$77.42$130.77
50 Year Old Female$54.97$89.51
55 Year Old Male$137.36$242.73
55 Year Old Female$92.16$171.86
60 Year Old Male$245.21$460.40
60 Year Old Female$164.50$308.70
65 Year Old Male$383.18$732.92
65 Year Old Female$257.85$498.60

*Quotes above are for RBC YourTerm 20, Standard Health Class, non-smoker. Your rates may differ depending on your unique circumstances. November 2019. 

Now let's take a look at RBC's Pros & Cons! 

RBC Life Insurance

RBC Life Insurance Pros

RBC Life Insurance Pros

RBC has a GREAT history and Financial Rating 

RBC is one of the most powerful brands in the world. They also have a long and illustrious history.

This isn’t just my opinion. AM Best gives them an A rating, so you can rest easy knowing your financial investment is safe with them.

RBC Life Insurance Pros

A Terrific & Easy to Navigate Platform 

RBC provides a lot of information about their products on their website.

You can easily find information about the cost and also compare and contrast different products with a simple tool. 

I truly appreciate this as a lot of companies keep this information close to the vest.

Also, if you want to apply immediately they do offer this option for their guaranteed acceptance and simplified issue products.

Although I will reiterate that you should ALWAYS get information from an independent agent before taking the plunge. Chances are we can save you a pretty penny.

RBC Life Insurance Pros

Nice Selection of Products 

RBC has a good selection of products. They have Simplified Term, Traditional Term, Permanent conversion options, Critical Illness and Disability Insurance.

RBC Life Insurance Pros

Most Affordable Term Coverage on the Market

RBC has some very good rates! Honestly they are an excellent company and often come up as one of the less expensive insurers. Some insiders speculate that RBC lures consumers in with low term insurance rates in order to create opportunities to cross-sell their other product lines. 

RBC Life Insurance Pros

Longer Term Coverage - Up To 40 Years!

RBC has some of the longest term coverage available in the Canadian Market place. Within prescribed age limits, you can get term 40 coverage. That’s guaranteed level monthly cost for 40 years!

RBC Life Insurance Pros

Great Disability Insurance Product Suite

RBC has some of the longest term coverage available in the Canadian Market place. Within prescribed age limits, you can get term 40 coverage. That’s guaranteed level monthly cost for 40 years!

Life Insurance Canada

RBC Life Insurance Cons

RBC Life Insurance Cons

No Competitive Permanent Life Insurance Products

RBC only offers Permanent insurance as a conversion option for their in force term policyholders. If you’re looking for permanent coverage right out of the gate like whole life, for example, you’d better look elsewhere.

RBC Life Insurance Cons

Limited Conversion Options 

RBC only offers Term 100 and Universal Life conversion option for their term policyholders. Also, their prices are not as competitive with other carriers.

RBC Life Insurance Cons

Strict Underwriting

RBC life insurance underwriters have a reputation for being conservative. If you have any health issues like, for example, well-managed diabetes, I’d give them a pass.

A knowledgable independent agent will be able to point you in the direction of a more lenient carrier. 

RBC Life Insurance Cons

Poor Reviews 

As I’ve mentioned before I don’t put a lot of stock into bad online reviews UNLESS I see a pattern.

Yes, there are some complaints about life insurance products. So if you are looking for flawless customer services RBC may NOT be the right choice for you.

That being said, there are MANY, MANY people who have had good experiences with RBC. Unfortunately, reviews are a platform that primarily encourages people to air their grievances NOT give their praise.

Life Insurance Canada

Is RBC Life Insurance the Right Company For Your Family?

If you have been reading my life insurance reviews I am sure you notice a common thread.

First and foremost, always consult an independent life insurance agent if you want the best possible prices. We know the ins and outs of the best life insurance companies in Canada.

They all have different niches. Depending on your medical history a company may work a treat or it may not.

Even if you have a VERY complicated situation, we can shop your circumstances out to different companies to see what an outcome may be BEFORE we apply formally.

If you are thinking about using RBC for your life insurance needs I highly recommend calling us today!

Let’s find out if RBC is the best insurer for YOU!

James Heidebrecht RBC Life Insurance

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1 comment

Industrial Alliance Life Insurance: All You Need to Know About This Insurer! December 1, 2019 at 3:09 pm

[…] Once again we have a company that doesn’t have Google reviews. I visited this issue in my RBC Life Insurance review. […]

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