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Life • Health • Peace of Mind

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.

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, Ruslana spent more than 20 years working in medicine, education, and research. That background taught her to listen carefully, ask the right questions, and explain things clearly.

Today, she helps individuals and families understand their options and choose coverage that makes sense for their lives.

Services I Offer

Helping You Choose Protectionwith Confidence and Care

Insurance decisions are easier when the options are explained clearly. Ruslana helps clients understand coverage choices and build protection around real needs, budgets, and life stages.

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
  • Support for eligible medical-related expenses
  • Guidance based on needs, budget, and life stage

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
  • Guidance before travel dates

04

Disability Insurance

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

  • Income protection planning
  • Coverage for qualifying illness or injury situations
  • Support based on eligibility and provider terms

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
  • Complements other forms of protection
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

Explore the insurers available through Ruslana. She explains the differences in coverage, eligibility, and policy terms so you can compare options with confidence.

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.

How It Works

A Simple Process for Choosing theRight Coverage

You do not need to know exactly what policy you need before reaching out. We start with your situation and narrow down the options together.

Ruslana explaining a protection plan during a conversation
1

Book an appointment

Choose a convenient time for a first conversation.

2

Discuss your situation

We’ll review your family, budget, current coverage, and protection goals.

3

Review suitable options

Compare coverage choices that may fit your needs and eligibility.

4

Choose a protection plan

Move forward with the option that makes sense for your situation.

5

Receive ongoing support

Get help understanding next steps and keeping your protection current.

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, life, travel, disability, and critical illness insurance options for individuals and families.

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.