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Ravi Soni

Ontario

Licensed in Ontario. Based in Edmonton. Served remotely.

One honest page instead of a dozen city pages for cities I have never worked in. I hold an Ontario licence, the process runs entirely remotely, and the disclosure Ontario requires is published in full.

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What being licensed in Ontario means for you

I hold a Life, Accident & Sickness licence in Ontario, regulated by the FSRA, alongside my Alberta licence. That means I can advise you and place your business with the same nine insurers listed on Companies I represent, under Ontario’s rules and Ontario’s complaint process.

Verify it. Search the FSRA licensee list at fsrao.ca before you speak to me or to anyone else. It takes under a minute and it is the most useful thing a consumer can do first.

Why there are no Toronto or Ottawa pages on this site

Because a page claiming local presence in a city where I have no office is dishonest, and search engines have been demoting exactly that pattern for years. I am in Edmonton. I am licensed to serve you in Ontario. Those two facts fit on one page.

The remote process, which is genuinely better

  1. A twenty-minute video call. What you are worried about, what you already have.
  2. A written needs analysis, emailed to you, with the arithmetic shown.
  3. Two or three options from different insurers, with real premiums and the actual policy wording.
  4. The insurer’s own e-application. I complete the sections I can and the insurer sends you a secure link to finish and sign your own portion.
  5. Your SIN goes into their system, never mine. You type it into the insurer’s portal. I never see it, never store it, and never have to explain how I protect it.

That last point is not a workaround. It is the correct place for that information — the issuer needs it for CRA reporting and is the regulated party obligated to protect it. It is also why there is no social insurance number field anywhere on this website.

On titles, since Ontario cares about this

Ontario’s Financial Professionals Title Protection Act, 2019 restricts the titles “Financial Planner” and “Financial Advisor” to people holding an FSRA-approved credential. The rule follows the Ontario client, not the advisor’s address.

I do not hold one of those credentials, so I use Financial Professional — which describes a licensed insurance intermediary and contains neither protected word. If someone serving you in Ontario uses either of the protected titles, ask which approved credential they hold. It is a fair question and the answer is informative.

Regulatory positions on this page were verified on 2026-08-24.

Related

Common questions

Are you actually licensed in Ontario?
Yes — a Life and Accident & Sickness licence, regulated by the Financial Services Regulatory Authority of Ontario. You can and should verify it yourself on the FSRA licensee list at fsrao.ca. My certificate number is published in the footer of every page on this site.
How does a remote meeting work?
Video call for the conversation and the needs analysis. When you decide to apply, I open the insurer's e-application and they send you a secure link to complete and sign your own portion — including your social insurance number, which goes into their system and never touches mine. It is a better process than the in-person one, not a worse one.
Why do you not have Toronto or Mississauga pages?
Because I do not have an office in either place, and pretending otherwise would be both a ranking problem and a credibility problem. I am based in Edmonton and licensed to serve Ontario clients remotely. One honest page beats twelve thin ones.
Does the title protection rule affect me?
It affects me, and that is why you see "Financial Professional" everywhere on this site. Ontario's Financial Professionals Title Protection Act restricts "Financial Planner" and "Financial Advisor" to holders of approved credentials, and it follows the Ontario client rather than the advisor's address. Anyone serving you in Ontario while using those titles without an approved credential is in breach.
Which insurers can you place my business with in Ontario?
The same nine listed on Companies I represent. Ontario's O. Reg. 347/04 requires that list in writing, along with conflict-of-interest disclosure, which is why it is published rather than handed over at a meeting.

A video call works as well as a kitchen table.

Most Ontario business runs entirely remotely, and the insurer's own e-signature process is more secure than paper ever was.

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