Skip to main content
Ruslana Kharkovenko logo

Feel Secure with Insurance Guidance That Truly Cares

I’m Ruslana Kharkovenko, an insurance adviser in Winnipeg. I help individuals and families understand their options and choose protection that fits their needs, budget, and stage of life.

Booking your consultation is free of charge.

Or message Ruslana directly

TelegramWhatsAppFacebook
Ruslana Kharkovenko standing against a deep navy backdrop
Ruslana smiling during a relaxed client conversation
About Me

From Medicine to Insurance — People Still Come First

Before becoming an insurance adviser, I spent more than 20 years working in medicine, education, and research. That background taught me to listen carefully and explain things clearly.

Today, I help you and your family understand the available options and choose coverage that truly fits your life.

Services I Offer

Helping You Choose Protectionwith Confidence and Care

Insurance decisions are easier when the options are explained clearly. I’ll help you compare options and find coverage that fits your needs, budget, and stage of life.

Ruslana explaining insurance options during a consultation

01

Health Insurance

Coverage options that can help with healthcare-related expenses and provide added support beyond basic public coverage.

  • Personal and family health coverage options
  • Coverage for illness and injury treatment
  • Dental Benefits

02

Life Insurance

Protection designed to help your loved ones stay financially secure if the unexpected happens.

  • Family protection
  • Income replacement planning
  • Mortgage, debt, and future expense considerations

03

Travel Insurance

Coverage designed to help protect you from eligible unexpected medical costs while travelling.

  • Emergency medical travel coverage options
  • Trip-related protection depending on plan terms
  • Super Visa insurance options

04

Disability Insurance

Income protection options if illness or injury prevents you from working.

  • Income protection planning
  • Coverage for illness or injury
  • Policies for small business owners and self-employed individuals

05

Critical Illness Insurance

Financial support if you are diagnosed with a covered serious illness.

  • Lump-sum benefit for covered conditions
  • Support during treatment and recovery
  • Coverage for conditions such as cancer, heart attack, and stroke
Experience

Experience Built on CareMedicine and Trust

20+

Years of professional healthcare experience

150+

Coverage Reviews

75+

Clients Guided

300+

Consultation Hours

Ruslana in a personal insurance consultation
Insurance Providers

Provider Options Explained Clearly

I’ll help you compare available insurance providers, coverage terms, and application requirements so you can make an informed choice.

logo Benevalogo Serenia Life Financiallogo Canada Lifelogo Assumption Lifelogo BMO Insurancelogo Canada Protection Planlogo Foresters Financiallogo iA Financial Grouplogo Humania Assurancelogo Manulifelogo RBC Insurancelogo Empire Lifelogo Equitablelogo ivarilogo Sun Lifelogo Desjardinslogo UV Insurancelogo TruStage

Provider and product availability may change. Eligibility, pricing, policy terms, and underwriting requirements vary by insurer and applicant.

Client Testimonials

What My Clients Say

  • Olena K.

    “Ruslana explained my insurance options clearly and helped me choose coverage that matched my situation. She was patient, professional, and easy to speak with.”

  • Michael T.

    “I appreciated that Ruslana did not pressure me into buying anything. She answered all my questions and gave me time to make the right decision.”

  • Iryna P.

    “Ruslana made a complicated insurance process simple and understandable. Her medical background was especially helpful when discussing health-related coverage.”

  • Daniel R.

    “Very professional and attentive service. Ruslana carefully reviewed my family’s needs and found an affordable option with the coverage we wanted.”

  • Natalia S.

    “I had a positive experience working with Ruslana. She responded quickly, explained every step, and continued helping even after the policy was issued.”
FAQ

Your Questions Answered

Straightforward answers to common questions about insurance and working with Ruslana.

Ruslana can help with health and dental, life, travel and Super Visa, disability, and critical illness insurance options for individuals and families in Manitoba.

Get in Touch

Let’s Build Your Protection PlanTogether

Start with a conversation about your needs, your family, and the coverage options that may fit your situation.