Ritu Verma is a licensed Canadian insurance advisor offering simple, stress-free insurance and savings advice.
Licensed Insurance Professional in Canada
Independent Wealth & Protection Advisor
I'm a licensed insurance professional in Canada, holding an MBA from Thames Valley University, UK, and dedicated to delivering independent, client-first financial advice with NestSure Insurance Services. My goal is to help individuals and families better understand their financial protection and explore solutions aligned with their goals.
“Good planning starts with listening - understanding your family, your responsibilities and what matters most to you.”
Independent Financial & Insurance Advisory
Learn More About Me
Life, health and income protection designed to keep your family and financial foundations secure against the unexpected.
Disciplined savings and investment strategies tailored for steady capital growth, tax efficiency, and long-term compounding.
A holistic roadmap guiding your retirement income, estate wishes, and wealth legacy with confidence at every major stage.
Family Defense
Term and permanent coverage conversations
Travel Protection
For visitors, Canadians and trips abroad
Growth & Security
Values can rise or fall; fees and terms apply
Savings & Growth
Two different tools for different goals
Child's Future
Build education savings over time
Home Ownership
Eligibility and annual limits apply
Child's Future
Government grants and long-term security
Insurance-based investment solutions that may provide investment growth potential together with certain insurance features, depending on the contract.
Features and guarantees depend on contract terms and conditions. Investment values can fluctuate.Conversations about savings goals, retirement income needs, RRSP, TFSA and long-term planning at a pace that makes sense for you.
Whether you are taking your first career steps, raising a family, expanding a business, or preparing for retirement the right conversation begins with where you are today.
Building income protection, disciplined savings habits, and early financial resilience.
Protecting income, family responsibilities, and future goals for growing dependants.
Planning for wealth accumulation, tax-smart strategies, and legacy considerations.
Exploring corporate protection, key person security, and long-term liquidity.
Preparing for retirement, pension drawdowns, income needs, and estate clarity.
Learn about your family, income, debts, current coverage, savings and goals.
Identify potential gaps in protection, savings and retirement planning.
Review suitable insurance and financial solutions.
Help put selected solutions in place.
Revisit the plan as life and financial needs change.
When our twins arrived, we knew our coverage was inadequate, but dealing with high-pressure agents was exhausting. Nestsure Insurance Services walked us through our options with zero sales pressure, compared 8 Canadian carriers side-by-side, and secured comprehensive term life and critical illness coverage that protects our mortgage and kids.
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Operating an incorporated trade business in Canada carries unique liabilities. Nestsure Insurance Services structured a key-person protection and corporate disability plan that works seamlessly with our accountant's tax strategy. His proactive annual reviews prove he is committed to our long-term success.
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Market volatility kept us on edge as our retirement approached. Nestsure Insurance Services restructured our savings into segregated funds that guarantee our principal while preserving steady growth and bypassing probate fees. Having an advisor who patiently answers every question made our transition completely stress-free.
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Before accepting our lender's mortgage insurance, Nestsure Insurance Services reviewed the contract terms with us. He explained why an individual term policy was far superiorour payout remains fixed, premiums are guaranteed, and my partner is the direct beneficiary. Transparent, objective advice from day one.
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Transferring our family land and agricultural assets involved intricate estate considerations. Nestsure Insurance Services collaborated with our tax accountant to establish permanent life solutions that offset future capital gains taxes cleanly, ensuring our children inherit smoothly without heavy administrative burdens.
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As an independent consultant without corporate group benefits, living benefits protection was indispensable. When I required sudden surgery and recovery time, the tax-free critical illness benefit kept our household running seamlessly without touching our long-term investments. That guidance saved our family finances.
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A useful conversation is not about collecting products. It is about clarifying your goal, understanding the trade-offs and choosing only what fits.
A simple way to think about income, debts, dependants and future goals when estimating coverage.
Read Article
How the two approaches differ in duration, cost structure and the needs they are typically used for.
Read ArticleAn overview of how each account works and questions to consider when planning your savings.
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Our results-focused strategies are designed to deliver measurable business and family financial security.
Contact UsYes, absolutely. Our initial consultation is completely complimentary and educational. We take the time to learn about your family’s situation, answer your questions, and present multi-carrier comparison quotes without any fee or pressure to commit. You will never receive a surprise bill.
We respect your time. During regular business hours (Monday to Friday, 8:00 AM – 7:00 PM MST), an advisor typically connects with you within 2 hours. If you reach out outside business hours or over the weekend, we will reach out by the next business morning.
You have total flexibility. Consultations are conducted conveniently via phone or secure video calls (Zoom / Microsoft Teams) from the comfort of your home or office. We can share screens to compare rates side-by-side and execute all documentation through secure Canadian electronic signatures.
You don't need a mountain of paperwork. If you have existing life insurance policies, mortgage insurance certificates, or group benefits booklets, having those handy helps us compare. If you're exploring retirement or segregated funds, a recent RRSP or TFSA statement is beneficial. If you don't have them, don't worrya simple conversation about your priorities is all that's required to start.
Because we operate as an independent brokerage with NestSure Insurance Services, we are compensated directly by the insurance carriers and financial institutions if you choose to implement a policy or investment plan with us. Our compensation model is consistent across Canada’s 25+ major carriers, eliminating any financial bias toward any single company.
Yes, this is one of our most requested services. Many Canadians hold bank mortgage life insurance (which pays the bank, not the family) or employer group coverage with declining benefits. We provide a completely objective review of your existing contracts to see if your rates are competitive and if your coverage truly protects your family.
Tell Ritu what you are trying to protect or prepare for. She will help you identify the right questions and explain the next steps.
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