RBC Insurance offers customers some of the lowest rates available for preferred class smokers and tobacco users and some policies available in as little as 15 minutes.

RBC Insurance is the brand name for Liberty Life Insurance Company, part of the global insurance operations of Royal Bank of Canada. We've been providing families with solid, affordable insurance for more than a century. Our financial strength and operating performance are rated "A" (Excellent) - third highest of 16 ratings - by A.M. Best, an independent rating agency.

At RBC Insurance, we help families find innovative ways to manage risk in today's complex, fast-changing world. Our promise is simple: quality protection, exceptional financial stability and outstanding service. For more information visit www.rbcinsurance.com/us.