Randy Rosenblat · Insurance Specialist
Tax and Estate Planning Specialist
Helping Canadian Families and Businesses manage what matters most to them.
Since 2019, Randy Rosenblat has partnered with the team at HUB Financial to help clients protect, grow and plan for their financial future. With access to every major Canadian insurance market, Randy provides unbiased, expert guidance to find the right insurance solutions for each family and business.
- Years serving Canadians
- 10
- Clients & families served
- 500+
Randy Rosenblat
CLU · HUB Financial Inc.
- CLU Designation
- HUB Financial Inc. · MGA
- Licensed in BC and Ontario
Who I help
Helping our Community plan for the future
Our clients range from young families who are just getting started and need to focus on risk management while on a budget, to more sophisticated investors & business owners who want to maximize their estate planning potential by investing through life insurance.
We work with teams of accountants, lawyers, underwriters or other industry experts to bring tremendous benefits to your families and estate through proper financial planning.
We don't just secure basic insurance for our clients, we show them how to invest with life insurance and benefit from a lifetime of tax-sheltered growth for every member of your family.
Life insurance is a valuable tool that should be a part of every Canadian's financial plan, securing your vision of a successful future today, while building towards something even greater over time.
We also offer expert advice and solutions related to other common types of living benefit insurance solutions, such as group or privately owned Disability Insurance, Critical Illness Insurance, Travel Insurance, Health and Dental Insurance. We provide our clients with holistic advice that is tailored to match your changing situation, so that everyone is prepared for many of life's big changes.
Incorporated business owners
CCPC shareholders balancing salary, dividends and retained earnings.
Professional corporations
Doctors, dentists, lawyers, accountants and engineers.
Self-employed professionals
Consultants and contractors without group coverage.
Young families
Building the financial foundation that everything else rests on.
High-net-worth individuals
$1M+ investable assets with tax-efficiency goals.
Ultra-high-net-worth families
$5M+ with estate and intergenerational transfer needs.
Real estate investors
Debt, liquidity and capital gains exposure at death.
Tech professionals & founders
Equity-heavy compensation and liquidity events.
Products & services
We build comprehensive solutions
From Risk Management to Investing with Life Insurance, we offer products from every insurance carrier in Canada and always work to set you up for long-term success.
Life can be unpredictable, but when it comes to your insurance solutions, we want to get our clients and community top-quality coverage with guaranteed solutions and premiums.
We are in it for the long haul, giving life-changing advice and looking after each generation.
We can explore all your options together. Your needs for insurance will naturally change over time, let's plan today and be ready for tomorrow.
Life Insurance
- Term Life (10 / 20 / 30 year)
- Whole Life (Participating)
- Joint Last-to-Die / Joint First-to-Die
- No-medical / Simplified Issue
Living Benefits
- Critical Illness Insurance
- Personal Disability Insurance
- Business Overhead Expense
Group Benefits
- Group Health & Dental
- Group Life & Disability
- Group Retirement (Group RRSP / DPSP / DCPP)
- Health Spending Accounts (HSA)
Advanced Planning
- Corporate-owned life insurance
- Buy-Sell Funding
- Key Person Insurance
- Insured Retirement Plan (IRP)
- Immediate Financing Arrangement (IFA)
- Estate Equalization
- Capital Dividend Account (CDA) Strategies
- Intergenerational Wealth Transfer (IAT / CAT)
Travel
- Travel Insurance
Estate & Tax
- Estate Planning
All Major Carriers represented
We can explore all your options together.
- Manulife
- Canada Life
- Sun Life
- Equitable Life
- ivari
- RBC Insurance
- BMO Insurance
- Empire Life
- Assumption Life
- Beneva
- Canada Protection Plan
- Desjardins Insurance
- Edge Benefits
- Foresters Financial
- Humania Assurance
- iA Financial Group
Let's start with a simple conversation
Just 3 easy steps
Your needs for insurance will naturally change over time, let's plan today and be ready for tomorrow.
- 01
Discovery Call & Needs Analysis
Thirty minutes, at no cost and with no obligation. We discuss your family, your business, and what you want protected. You deserve to have the right advisor build you a financial plan.
- 02
Strategies & Recommendations
A clear plan, plain-language, multiple carrier options.
- 03
Implementation & Maintenance
Annual review at minimum, always available between.
Insurance carriers pay commission on policies that are placed. You are not billed separately for planning, analysis or ongoing reviews — we will be here to follow up and check in with you regularly.
Get to know me
The plan behind the plan
I'm Randy Rosenblat, a CLU-designated insurance specialist working with Canadian business owners, professional corporations and families in Toronto and across Canada. With over ten years of experience, I've helped more than 500 clients plan for their financial future.
Let my team of experts help you navigate the insurance landscape and take advantage of my expertise as a tax and estate planning specialist. We help business owners secure the most value for their families, conduct succession planning and build tax-efficient strategies alongside your accountants and lawyers. We have a team approach to build you the best solution possible.
Through HUB Financial and my position as an independent broker and advisor, I have access to all major Canadian carriers and will never present just one carrier solution. I have no tied selling practices and always make my recommendations based on the best solutions available at that time. We make informed decisions together and adjust our solutions over time as your situation changes.
I proudly serve clients across Canada, both in person and remotely, always making myself available when you need me.
FAQ
Questions I'm asked most
Thirty minutes, at no cost and with no obligation. We discuss your family, your business, and what you want protected. If I'm not the right fit, I'll say so.
Insights
Reading worth your time
- Life Insurance
Individually Owned Life Insurance vs. Mortgage Insurance: What's the Real Difference?
Before you accept the mortgage insurance offered by your lender, compare it to individually owned term life insurance. The coverage isn't as similar as it looks.
Read article - Life Insurance
Simplifying Life Insurance: Should You Rent, Lease, or Own Your Coverage?
Term, permanent, and cash-value life insurance don't have to be confusing. Here's a simple rent-lease-own framework to help you choose the right type of coverage.
Read article - Retirement Planning
Are You Saving Enough for Retirement? A Realistic Look at Closing the Gap
Inflation and longer lifespans are putting pressure on Canadian retirement plans. Learn the key building blocks to a retirement income plan that actually holds up.
Read article
Get in touch
Book a discovery call
Let’s Start With A Simple Conversation
We’ll talk about what matters most to you
30 minutes, no cost, no obligation
Toronto, Ontario · Serving clients across BC, ON by video call.