United Life Financial provides a wide range of insurance and investment solutions, including:
- Life insurance
- Health and dental plans, including small business coverage
- Disability insurance
- Critical illness insurance
- Segregated funds and other investment products
- Visitor insurance, super visa insurance, travel insurance, and student insurance
We operate under the name United Life Financial in Ontario, and in Alberta, New Brunswick, Nova Scotia, and British Columbia under the name Ram Bavanari, in compliance with provincial licensing regulations.
As an independent insurance brokerage, we work with leading Canadian insurance companies and financial institutions to provide tailored insurance and investment solutions. Some products are offered directly through our brokerage as a Managing General Agency (MGA), while others are distributed through contracted MGAs where we act as an Agent General Agency (AGA).
Segregated Funds & Investment Risk Disclosure
Segregated funds are investment products offered by insurance companies and are not guaranteed deposits. Their value can fluctuate based on market performance. Past performance is not indicative of future results. Fees and charges may apply. Clients should carefully review the contract terms, fund prospectus, and disclosure documents before investing and consider seeking advice from a licensed investment advisor.
General Disclaimer
The information on this website is for general informational purposes only and does not constitute personalized financial, legal, tax, or investment advice. Product availability, features, and eligibility may vary depending on your province of residence and the underwriting or regulatory requirements of the respective providers.
We make every effort to ensure the accuracy and timeliness of the information presented, but we cannot guarantee its completeness or applicability to your individual circumstances. Clients are encouraged to seek personalized advice from a licensed insurance or investment advisor before making decisions.
United Life Financial and Ram Bavanari assume no responsibility for any loss, damage, or liability resulting from the use of or reliance upon the information on this website.
MGA / AGA Relationship Disclosure
United Life Financial works with multiple Canadian insurance carriers and financial institutions. For certain products, we act as a Managing General Agency (MGA); for others, we operate as an Agent General Agency (AGA) through contracted MGAs. Our recommendations are based on your needs and the most suitable solutions available through our network.
Privacy & Data Protection
United Life Financial respects your privacy and is committed to protecting your personal information in accordance with PIPEDA (Personal Information Protection and Electronic Documents Act) and applicable provincial regulations.
- Information collected on this website is used solely to provide insurance and investment solutions, process inquiries, and communicate with clients.
- We do not sell, trade, or rent personal information to third parties.
- By using this website or submitting information, you consent to our collection, use, and disclosure of your information as described in our Privacy Policy.
- For more information or to request access to your personal information, please contact us at info@unitedlife.ca.
