+1 654-123987
Personalized Financial & Insurance Plans Designed for Canadians
Protect your family, your future, and your business with expert guidance you can trust
At Ravi Sharma Financials, we provide tailored Life Insurance, Critical Illness coverage, Retirement Planning, and Corporate Insurance solutions built around your real needs—not generic templates.
Our Partners
Safeguard Your Future with Tailored Protection
Protect what matters most with financial strategies and insurance plans built for long-term stability.
Whether you’re securing your family’s future or strengthening your business, we design solutions that evolve with you.
About Us
Expert Guidance from Dedicated Advisors
At Ravi Sharma Financials, we believe that the right advice can transform your financial future. With years of experience serving families and businesses across Toronto, we provide personalized insurance and retirement strategies designed to protect what matters most.
From choosing the right life or critical illness plan to building a strong retirement roadmap, we guide you every step of the way with clarity, transparency, and genuine care. Our client-first approach ensures that every recommendation is aligned with your goals, your budget, and your long-term vision.
Your financial peace of mind is our highest priority—and we’re here to help you make confident decisions for a secure future.
Comprehensive Critical Illness Insurance Solutions
Critical illnesses can appear without warning—but your financial stability shouldn’t be at risk when life takes an unexpected turn. Our Critical Illness Insurance plans provide a tax-free lump-sum payout upon diagnosis of major illnesses, giving you the freedom to focus on recovery, treatment, and supporting your family.
You can expect:
- Financial protection during medical emergencies and life-altering diagnoses
- Flexible coverage options that fit your health needs and budget
- Peace of mind knowing you’re safeguarded against unexpected expenses
- Protect your future health and financial stability with coverage designed to support you when you need it most.
Reliable Insurance Plans for Every Stage of Life
Whether you’re starting a family, buying a home, or planning for retirement, our reliable insurance plans are here to protect you at every step. We offer personalized coverage for health, life, property, and more, ensuring that you’re covered when you need it the most.
Why Choose Us
Be Prepared with Our Flexible Financial & Insurance Solutions
Life brings unexpected challenges. Our comprehensive plans ensure you’re protected—no matter what comes your way.
- Flexible options for every budget
- Transparent guidance you can trust
- Reliable support from a dedicated advisor
- Financial strategies with long-term stability
Our Services
Proven Financial Stability
Life is full of surprises. Be ready for the unexpected with our flexible insurance solutions.
Life Insurance
Life is full of uncertainties, but protecting your family’s financial well‑being should never be one of them. Read More
Travel Insuranse
Visitor to Canada Insurance is essential for anyone traveling to Canada who is not covered by provincial healthcare plans. Medical expenses in Canada can be extremely costly for visitors, with even routine emergency treatment amounting to thousands of dollars. Read More
Retirement Planning
Focus on the need to protect a company’s leadership, assets, and operations from various business risks. Read More
Critical Illness Insurance
Critical Illness Insurance is one of the most powerful forms of financial protection you can have while you’re alive. Read More
Corporate & Business Insurance
Focus on the need to protect a company’s leadership, assets, and operations from various business risks. Read More
Investment Services – Ravi Sharma Financials
First Home Savings Account (FHSA)
The First Home Savings Account (FHSA) is one of Canada’s most beneficial and innovative savings tools for aspiring home owners. Read More
Dedicated Guidance from an Experienced Advisor
Focus on the relationship and support aspect of the service, highlighting the advisor’s commitment to the client. Read More
What We Offer
Responsible, Transparent, and Client-Focused Solutions
We combine expert insight with ethical, client-first practices to help you make confident financial decisions.
Comprehensive Coverage Options
Insurance and financial planning designed around your goals.
Personalized strategies for families, individuals, and businesses.
Trustworthy & Reliable Advisor
Expect honest guidance and dependable support every step of the way
Modern & Tech-Enabled Processes
Quick applications, digital documentation, and simplified claims.
We offer Life Insurance, Critical Illness Insurance, Health Benefits, Retirement Planning, Corporate Insurance, and more. Each plan can be customized for your needs.
We assess your goals, financial situation, family needs, and future plans to recommend the best-fit solutions.
Absolutely. All plans are fully adjustable based on your lifestyle and priorities.
We guide you through reinstatement options and ensure your coverage remains secure whenever possible.
If you miss a payment, we offer a grace period during which you can make the payment without losing your coverage. After the grace period, your policy may lapse, but we’ll work with you to find a solution and avoid interruptions in coverage.
A deductible is the amount you pay out of pocket before your insurance coverage kicks in. For example, if you have a $500 deductible and your claim is $2,000, you will pay $500 and the insurance will cover the remaining $1,500.
Frequently Asked Questions
Innovative and Tech-Savvy Solutions
How We Can Help You Today?
Why Choose Us
Secure Your Future: Retirement & Life Insurance Solution
Your financial future deserves expert attention. Let us help you build a secure retirement plan while protecting your family with industry-leading insurance solutions.
Ravi helped me understand my options clearly and build a plan that actually fits my life. Highly recommended
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