About
Meet Rachna
Independent Insurance Advisor, based in Richmond Hill, ON — helping individuals, families, and business owners across Ontario find coverage that actually fits.
Independent advice, personally delivered
I'm Rachna, an independent insurance advisor based in Richmond Hill, ON, working with individuals, families, and business owners across Ontario to find Life, Health, Travel, and Business insurance coverage that actually fits their situation.
Rather than representing a single insurance company, I work across multiple insurers as an independent broker — which means the recommendations you get are based on what suits your health, budget, and goals, not on what one company happens to be selling. I'm a licensed life and health advisor (LLQP), and I work with clients in English, Hindi, and Punjabi.
Every relationship starts with a conversation, not a sales pitch: understanding what you're trying to protect, what you can comfortably budget, and what coverage actually makes sense for your stage of life. From there, it's about presenting clear options and helping you make a confident decision — and staying available afterward for renewals, changes, and claims.
How I work
What you can expect
Advice first, products second
The conversation starts with your goals and budget. The insurance product is whatever fits that — never the other way around.
Straightforward, no pressure
You'll get clear comparisons and honest recommendations, with time to think it over. No high-pressure sales tactics.
Here after the sale
Policies change, life changes. I stay your point of contact for questions, changes, and claims — not just the initial sign-up.
Let's talk about your coverage
A short conversation is often all it takes to find out where the gaps are — and what it would cost to fix them.