With over 25 years of experience in the insurance and financial services trenches, Richard Sist doesn’t just sell policies—he architects protection. As the Managing Partner of Resist Insurance, Richard has built his career on a singular, defiant mission: helping businesses and individuals resist the risks that standard, automated brokers often overlook.
The Strategic Edge
Richard’s approach is unique in the industry. As an annual participant of Benefits Canada’s Leadership Council on Drug Plan Partnerships and an active member of the Canadian Group Insurance Brokers (CGIB.ca), he views insurance through the lens of a high-level strategist. He is also a founding member of the Smart Health Benefits Network, where he contributes to the evolution of modern, sustainable employee benefits.
A Leading Voice
A recognized expert in the field, Richard is a frequent public speaker and presenter. He has shared his insights on the shifting medical landscape, specializing in the integration of virtual healthcare and the nuances of private health care plans. He doesn’t just process paperwork; he analyzes the complex landscape of Group Benefit plans, pensions, and healthcare spending accounts (HSAs) to find the most efficient and effective path forward for his clients.
Consultant vs. Order-taker
In an era of “robo-quotes” and automated service, Richard leans into the human element. Whether he’s working with a small business of 10 or a growing firm of 70+, his philosophy remains the same: Listen first, strategize second, and explain the complex in straightforward, down-to-earth terms. His tenure at leading firms like Sun Life and Oracle RMS, combined with his MBA in International Business, gives him the “big picture” expertise needed to safeguard your life’s work.
Beyond the Boardroom
Richard’s commitment to “resisting” the ordinary extends to his personal life. A dedicated member of the Ontario community, he is a regular plasma donor with Canadian Blood Services. When he’s not deconstructing a benefits plan, you’ll likely find him on the open road; he and his wife recently earned their motorcycle licenses together, embracing the freedom of the ride.
Based in Toronto and serving clients across Ontario, Richard is a father of three sons and a firm believer that the best relationships are built on transparency, integrity, and a little bit of grit.
At Resist Insurance, we believe that your company’s future is far too valuable to be determined by an algorithm. In an era where “instant quotes” and “thirty-second chatbots” have become the industry standard, we choose a different path. We founded Resist Insurance on a simple but defiant principle: true security isn’t found in a generic formula, but in the strength of a dedicated, human partnership. We are here for the businesses that refuse to be treated like a data point.
We understand that every business has its own unique pulse—a specific blend of payroll intricacies, team demographics, and corporate culture. That’s why we trade shortcuts for deep dives. When you work with us, you aren’t just purchasing a policy; you’re engaging in a personal conversation. We take the time to understand the fine details of your workforce, ensuring that your group insurance plan is as dynamic and resilient as the people it protects.
You don’t have time to be an insurance expert. You need someone who can translate “actuarial speak” into “business results.” We take the burden off your plate. We manage the renewals, we handle the claims disputes, and we keep you compliant.
Key truth: You may have the right insurance company but not the right broker/consultant.
Not all brokers work the same way. Some process paperwork. Some build strategy. Here’s the difference you’ll feel:
We will always be competitive, but we will never sacrifice quality for a cheaper premium. A “cheap” policy that doesn’t pay out when your top executive is sick is the most expensive policy you can buy. We prioritize “peace of mind” and “safety nets” over bottom-of-the-barrel pricing.
This is where you feel the difference right away. When you partner with Resist Insurance, you don’t just get coverage—you get backup. Real support. The kind that helps you resist business risk on the people side, not just the policy side.
* Some value-added services are typically available for employer groups with 10+ employees.
Strategic alignment is at the heart of everything we do. We don’t believe in one-size-fits-all coverage because your goals aren’t one-size-fits-all. By consulting directly with your executive suite, we ensure your benefits package supports your long-term vision and corporate philosophy. We “Resist” the cookie-cutter approach to bring you a strategy that is intentionally designed to attract top talent and protect your bottom line.
Our mission is to bring the “human” back to the insurance industry. We are advocates for the leaders who demand more than a robo-quote and the teams that deserve more than the bare minimum. At Resist Insurance, we provide the peace of mind that only comes from expert insight and genuine care. We aren’t just your brokers; we are your partners in securing a future that is built to last.
Swap automated shortcuts for real conversations. We build group insurance around the nuances of your payroll and the people who make your mission possible.
