Insurance Belongs at the Core of your Financial Plan
Business Planning & Tax Management
Asset Transition Strategy
Insured Income Strategies
Insurance for Investment
Whole Life as an Asset Class
Guaranteed Investment Funds
Guaranteed Interest Accounts
Family Risk Management
Child Life and Critical Illness Protection
Raintree Insurance Services is a firm dedicated to finding the best insurance solutions for our clients. Raintree Insurance Services operates in partnership with Finaeo, an industry leading insurance technology company, and HUB International, one of Canada’s largest insurance brokerages. These relationships allow us to act more efficiently while making available a tremendous amount of options for our clients.
The insurance industry is experiencing a digital transition. Finaeo is building the infrastructure necessary to take a legacy industry from an analog past into a digital future. Finaeo’s digital marketplace connects insurance carriers, advisors and clients through an integrated platform to accelerate policy fulfillment and streamline distribution.
Raintree Insurance Services is part of the Raintree Capital Group of Companies, which includes:
Raintree Financial Solutions: A private capital firm with advisors across the country helping clients invest their money responsibly in our Core + ExploreTM investment strategies. Our Private Wealth Advisors work with their clients to help navigate their financial plans and incorporate alternative investment strategies, where appropriate.
Raintree Wealth Management: A registered portfolio management firm that provides discretionary investment management for clients with offices in Toronto and Edmonton.
Raintree Corporate Finance: An investment banking firm helping entrepreneurs with their succession and exit strategies. Additionally, RCF provides capital structuring and other advisory services for companies looking to grow by attracting capital.
If you would like assistance in selecting the right insurance strategies for your business or family, please contact us.
The Right Solution
Insurance is such an important part of your financial or tax plan, but in our experience, most clients don’t want to spend a lot of time figuring it out. Let us help. Our goal is to understand what our clients’ needs are and offer the best solutions. This requires a discovery process that involves one of our financial professionals learning more about you, your family and your business. This allows us to recommend strategies that help manage risk as well as potentially structure your affairs in a tax effective manner. We can draw together the best ideas and the right team members to ensure you get the best advice.
The following discloses our information gathering and dissemination practices for the raintreeis.com website. Please note that when you access any external links, they may have different privacy policies specific to those sites. We encourage you to read all applicable privacy policies.
As an organization that collects, uses and discloses personal information, Raintree Insurance Services is subject to the federal Personal Information Protection and Electronic Document Act (or by similar laws in the provinces of Alberta, British Columbia and Québec), effective January 1st, 2004. In complying with these laws, it is important that Raintree Wealth Management provide you with information so that you may fully understand the purposes for which your personal information is collected.
What Personal Information Do We Gather From Those Who Visit Our Site?
When you visit our website, you may provide us with two types of information: personal information you knowingly choose to disclose, and information that we automatically collect as you browse our website.
Information You Voluntarily Submit
We collect and store any information you enter on our website, or provide to us in offline contacts we have with you. Information is collected from visitors to the website in the following areas:
Email Forms – If you use our email forms, we will generally ask you to provide contact information.
Surveys – At times, you may be asked to complete survey questions that appear on the website.
Information Collected and Stored Automatically
When you browse our website, you and your web browser may also transmit information that we automatically collect. We do log your IP address (the Internet address of your computer), the web pages you visit and the time of your visit, and other click-stream data. This information may be combined with other personal information you have provided. The only other type of information automatically provided to us is the type of computer, operating system and browser you are using. This information is provided by your browser, which we us to improve the performance of our site.
We may also place small data files, called “cookies,” in the browser file of your computer’s hard drive. These cookies automatically identify your browser to our server whenever you interact with the website. We use the cookies to record website statistics. Most browsers automatically accept the cookies, but you usually can change your browser setting to prevent the acceptance of cookies. Certain web pages may not function properly if you choose not to accept cookies.
How We Use Your Personal Information
We use your personal information to communicate with you, if and when necessary, in connection with your use of our website, to respond to your questions, or to send you material and information you request. We may use your information to:
Consider your suggestions
Possibly respond directly to you for clarification
Process your request for materials if you make one
Try to and answer your questions if you ask them
We may also use your website information in order to help diagnose problems with our site. We may use all information we collect to analyze statistical use patterns and demographic data (basically, where our visitors come from and what demographic characteristics they have) and to improve our site to better serve our customers. We use your IP address to help diagnose problems with our servers, and to administer our website. Your IP address is used to help identify you to gather broad demographic information.
Information Given via Conversation, Direct Email or Through the Investment Process
Over the course of your relationship with Raintree Insurance Services and your Advising Representative, personal information will be collected in order to administer your account. This information typically includes your financial information, net worth, income and investment objectives, in addition to your current investments, banking information and your social insurance number.
Purposes of Collection
Information of a personal nature allows us to meet our regulatory duty to “know our client” and act in your best interests in recommending the purchase or sale of investments on your behalf. It also allows us to report to you and administer your account in a manner that complies with regulations.
Disclosing Your Personal Information To Others
Raintree Insurance Services respects your privacy. We protect your personal information and adhere to all privacy regulations. We do not rent, sell, or trade our mailing lists. The information you provide will be used to deliver services and to keep you informed and up to date on the activities of Raintree Insurance Services.
At times, Raintree Insurance Services may be required to provide this information to investment manufacturers and trust companies as well as securities and other regulators or law enforcement agencies. In particular, Raintree Insurance Services is regulated by various securities commissions in Canada. These regulators may require access to the personal information of current and former clients, employees, agents, directors, officers, partners and others that has been collected or used by Raintree Insurance Services. Regulators collect, use or disclose such personal information for regulatory purposes, including:
Surveillance of trading-related activity,
Sales and financial compliance review and other regulatory audits,
Investigation of potential regulatory and statutory violations,
Enforcement or disciplinary proceedings,
Information-sharing with securities regulatory authorities, regulated Marketplaces and law enforcement agencies in any jurisdiction in connection with any of the above.
Please note: Raintree Insurance Services must decline to accept or administer an account if you do not consent to collection, use or disclosure of personal information for these purposes. Therefore, by maintaining your account with Raintree Insurance Services, you have impliedly consented to our collecting, using and disclosing your personal information in the limited manner described above.
Since we are committed to your privacy and security, we have put in place physical, electronic, and managerial procedures to attempt to safeguard and help prevent unauthorized access, maintain data security, and correctly use the information we collect online and through more direct contact. However, please remember that no transmission of data over the Internet or any wireless network can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, we cannot ensure or warrant the security of any information that you transmit to us or from us, and you do so at your own risk.
The activation of certain links on this website may, under certain circumstances, cause the user to leave the Raintree Insurance Services website. Raintree Insurance Services has not reviewed all the sites linked to the Raintree Insurance Services website and accepts no responsibility for the contents thereof or for any products, services or other offers available on them. The inclusion of a link does not imply endorsement by Raintree Insurance Services This also applies to websites that offer links to the Raintree Insurance Services website. Furthermore, explicit prior authorization must always be obtained for a link leading from an external website to the Raintree Insurance Services website.
References on this website to third party goods or services should not be regarded as an endorsement of these goods or services. By accessing any of the links provided you will be leaving this site. Raintree Insurance Services is not responsible for the information contained on these websites.
This web site is intended for Canadian residents only and the information contained herein is subject to change without notice. This Website does not constitute an offer or solicitation in any jurisdiction in which such offer or solicitation is not authorized or to any person to whom it is unlawful to make such offer or solicitation.
This web site is for general information only and is not intended to provide specific personalized advice including, without limitation, investment, financial, legal, accounting or tax advice. Please consult an appropriate professional regarding your particular circumstances.