Supporting individuals, families, and business owners with personalized coverage since 2009.
CLU® CERTIFIED
CHS™ CERTIFIED
Serving Clients Since
Over 15 years of trusted guidance in health and life insurance planning.
Client-First Approach
Every recommendation is built around your unique needs, not a one-size-fits-all policy.
Advanced Designations
CLU® and CHS™ certified. Specialized expertise you can count on.
Backed by two of the insurance industry’s most respected designations, every recommendation I make is grounded in deep expertise and a commitment to your long-term wellbeing.
An advanced designation focused on life insurance planning, estate needs, and long-term financial protection strategies. The CLU® designation demonstrates a high level of expertise in life insurance and wealth transfer planning, helping clients navigate complex financial decisions with confidence.
Specialized expertise in health coverage, disability insurance, and living benefits planning. The CHS™ ensures you receive guidance rooted in the most current and comprehensive health insurance knowledge available.
From protecting your family today to planning for what comes next, the right coverage makes all the difference. Here’s a look at the full range of solutions available to you.
Getting the right coverage shouldn’t be complicated. My process is designed to be clear, personal, and built entirely around you from the first conversation to ongoing support as your life evolves.
Discuss your goals and situation
Design coverage just for you
Adjust when life-changing events occur
From our very first conversation to ongoing check-ins as your life changes, I’m with you every step of the way so your coverage always reflects where you are and where you’re headed.
Insurance can feel overwhelming, but it doesn’t have to be. Here are answers to some of the most common questions clients bring to the table.
There’s no single answer. Coverage depends on your lifestyle, financial responsibilities, dependents, and long-term goals. We’ll work through this together to arrive at a number that makes sense for your specific situation.
Employer-sponsored coverage can be valuable, but it may not always provide the flexibility or protection you need. Personal coverage may help because:
• Employer coverage is often tied to your job and may not move with you if you change employers.
• The amount of coverage provided may not fully meet your needs.
• You may have limited control over the policy features and options.
• Personal coverage can be tailored to your specific goals, health needs, and long-term plans.
A review can help determine whether your current coverage is sufficient or if there may be gaps worth addressing.
Each type of coverage is designed to protect against different risks, from income loss to health emergencies, final expenses to estate planning. I’ll walk you through your options clearly so you can make an informed, confident choice.
Absolutely. Your coverage can be tailored from day one and adjusted as your circumstances change, whether that’s a new home, a growing family, or a shift in your business needs. Flexibility is built in.
Choosing insurance is a personal decision, and the right advice should reflect your needs, not a one-size-fits-all approach. At Santos Ruiz Insurance, clients value:
• Personalized guidance based on their unique situation
• Experience built from serving clients since 2009
• Advanced expertise in health and life insurance planning
• A thoughtful approach focused on clarity, trust, and long-term planning
We help you make informed decisions with confidence.
Whether you’re reviewing an existing plan or starting from scratch, you don’t have to navigate it alone. I’m here to listen, guide, and build a plan that fits your life at whatever stage you’re in.
Phone & WhatsApp: +1 (416) 880-8938
Email: shirley@srinsurance.ca
CLU® CERTIFIED
CHS™ CERTIFIED
