• Raintree Insurance Services

    Insurance Belongs at the Core of your Financial Plan

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Raintree Insurance Services helps Canadians develop a financial plan that includes risk management and tax planning considerations. We specialize in helping entrepreneurs, professionals and families access the right insurance products to protect their finances. As Part of the Raintree Capital Group of Companies, Raintree Insurance Services plays a key role in “bringing it all together” inside a financial plan. We work closely with other professionals including accountants and lawyers to ensure our advice is the best fit for your unique circumstances.

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Business Planning & Tax Management

  • Asset Transition Strategy

  • Insured Income Strategies

  • Estate Equalization

  • Buy/Sell

  • Group Benefits

  • Group RRSPs

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Insurance for Investment

  • Whole Life as an Asset Class

  • Estate Funding

  • Guaranteed Investment Funds

  • Guaranteed Interest Accounts

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Family Risk Management

  • Life Insurance

  • Critical Illness

  • Income Protection

  • Child Life and Critical Illness Protection

Background

About Us

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.

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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.

Our Management Team

Raintree Insurance Services is a subsidiary of Raintree Capital Inc. We benefit by leveraging the resources of the entire group of companies. The leadership team of Raintree Insurance Services is:

Peter Kinkaide, CFA
Chief Executive Officer
Corey Ferrier
Managing Director
Background

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 Raintree Insurance Services team can be contacted at:

Westgate Business Park
10243 – 178 Street
Edmonton, Alberta
T5S 1M3

P 780.443.0340
F 780.443.2656
TF 1.855.443.0340

cferrier@raintreeIS.com

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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 Insurance Services 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,
Regulatory databases,
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.

Security

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.

Linked Sites

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.

Changes In Privacy Policy & Terms of Use

By using our website or retaining our services, you consent to our collection and the use of your personal information as described in this Privacy Policy & Terms of Use. If we change our privacy policy and procedures, we will post these changes on our website. You have the opportunity to review the Privacy Policy & Terms of Use each time you use the website so that you are aware of any modifications made to these policies.

Questions About Our Privacy Policy & Terms of Use

If you have questions about our website and our Privacy Policy & Terms of Use or disclaimer, please feel free to contact our designated Privacy Policy Officer at info@raintreeis.com.

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.