David Fernandez, Insurance Advisor - Life, Health & Wealth, RBC Insurance

08/31/2026

It’s the middle of the night and like many others, financial worries have a way of seeping in. Do I have the right insurance coverage? What happens if I’m unable to earn an income? Will my family be okay if I’m not around?

So you ask an AI app. The answers come quickly and conveniently, and that can be a decent starting point. But there’s a lot it can’t surface: coverage gaps you didn’t know to look for, questions you haven't thought to ask, or how your specific situation changes the picture.

That's where I come in. Not to replace your research, but to build on it and bring some clarity to what you've found. Because here's what I've found from working with clients: the biggest gaps tend to surface through deeper, personal conversations about your goals and circumstances.

Our latest article explores how human expertise can complement your online research to help you make confident, informed decisions.

When it comes to purchasing insurance and protecting your future, AI and human advisors are teammates.

08/05/2026

Protecting your financial future can feel complicated. Perhaps you’ve done some research, asked an AI chatbot, and discovered that insurance can be one of the most important financial tools to protect what you’ve built.

My job isn’t to take you back to square one, it’s to pick up where your research left off. To catch what might have slipped through. To help you move from "thinking about it" to having the right insurance protection in place.

Here’s an interesting read on how AI and human advice work together. And when you’re ready to take that next step, let’s talk.

When it comes to purchasing insurance and protecting your future, AI and human advisors are teammates.

04/01/2026

If you are an accountant, you may be eligible for an exclusive 20% off RBC Disability Insurance. Contact me to learn more: https://bit.ly/3UQ4Ja2

03/29/2026

Exciting news! Three of our RBC Guaranteed Investment Funds (RBC GIF) won FundGrade A+ awards for 2025. These awards recognize consistent, outstanding performance, validating your choice to work with a provider that's among the best of the best.

Notably, the underlying Select Conservative Fund from our RBC Universal Life fund lineup has also earned this prestigious award.

Let's connect to explore how our full range of RBC GIF solutions can help strengthen your investment portfolio and drive growth.

03/26/2026

Going solo in retirement? According to Farzana Damji, Senior Director of Product Development at RBC Insurance, single Canadians face unique financial challenges, but the right strategy makes all the difference.

Don't leave your financial security to chance. Start planning today.

Article is in English only.

Those depending on a single income in retirement have some unique challenges to consider.

03/24/2026

What is cyber crime, and how do we protect ourselves from online criminals? Here’s how to avoid phishing, ransomware, and other fraudulent internet scams.

02/17/2026

Happy Lunar New Year!

02/17/2026

Announcing Insurance Matters, the video series where insurance advisors get direct access to the leaders shaping our industry strategy. Our executives. Real conversations.

Join the conversation. Watch now 👉

02/14/2026

Buying a home is an exciting milestone, but it also comes with important decisions – like how to protect your mortgage if the unexpected occurs. HomeProtector insurance helps safeguard your home, now with extra time to decide if it’s right for you. Let’s discuss what protection means for you and your family.

Have an RBC Royal Bank mortgage? Discover how HomeProtector Insurance can help protect the home you and your family love.