Working together to succeed - RBC Insurance

Working together
to succeed
2007 Corporate Profile

Contents
IFC A message from Jim Westlake
IFC RBC overview
1 A message from Neil Skelding
2 2007 highlights
3 Financial highlights
3 Corporate organization
4 Executive committee
6 Life and health
8 Property and casualty
10 Reinsurance
11 Other insurance products
and assistance services
12 RBC Insurance locations
IBC Directors
OUR VISION
“Always earning the right to be
our clients’ first choice”
A message from Jim Westlake
Group Head, Canadian Banking, RBC
The Canadian Banking segment of
RBC ® , which includes our Global
Insurance business, had a solid year
in 2007, part of a record year for RBC
as a whole. In 2007, we generated
strong revenue growth, reflecting
our focus on growth initiatives and
our strong national retail presence across all products and
markets. Combining our broad capabilities with investments in
client-facing staff, distribution networks and enhanced product
offerings has positioned us well for future success.
Specifically, within Global Insurance we saw very good results
with full year earnings increasing significantly over the previous
year. The insurance client loyalty scores also remain well above
industry levels. We know that loyal clients reward us with more
of their business and refer their family and friends to us.
I believe our insurance business, with its strong product suite,
extensive distribution capabilities and industry-leading focus
on client service, is well-positioned to deliver significant
progress in achieving its priorities. I recognize that our success
comes from our people and sustained success comes from
how we work together to deliver performance. I am confident
that together, we will continue to deliver strong results across
Canadian Banking.
Jim Westlake
Group Head, Canadian Banking, RBC
RBC overview
Royal Bank of Canada (RY on TSX and
NYSE) and its subsidiaries operate under
the master brand name of RBC and may
be referred to in this text as RBC. We
are Canada’s largest bank as measured
by assets and market capitalization
and one of North America’s leading
diversified financial services companies.
We provide personal and commercial
banking, wealth management services,
insurance, corporate and investment
banking and transaction processing
services on a global basis. Our Global
Technology and Operations and Global
Functions teams enable business growth
with expert professional advice and
state-of-the-art processes and technology.
We employ more than 70,000 full- and
part-time employees, who serve more
than 15 million personal, business,
public sector and institutional clients
through offices in Canada, the U.S. and
36 other countries.

A message from Neil Skelding
President & CEO, RBC Insurance
RBC Insurance ® has grown significantly in
the past year. Our 2007 net income after
tax increased 46% over 2006, which is
nearly triple where we were just three
years ago.
This exceptional performance is a
testament to the commitment of our
employees, leadership in our chosen markets and a continued
focus on providing superior client service.
As part of our commitment to clients, we surveyed Canadians
to better understand how we could help meet their insurance
needs. We know that people often think of insurance as
complicated and difficult to understand; however no financial
plan is complete without considering insurance.
The RBC Insurance/Ipsos Reid survey found that only one in four
(23%) of insured Canadians regularly review their insurance
needs without prompting and one-third (33%) of Canadians don’t
know if they even have the right amount or type of insurance.
RBC Insurance is committed to providing Canadians with a
superior experience by offering insurance products, services
and advice that help meet their needs.
When our clients succeed, we succeed. I am pleased to
say that we had a number of key client successes in 2007.
RBC Insurance was selected as the winner of the 2006
Large Institution Program of the Year Award from the Bank
Insurance & Securities Association (BISA). We won this Award
of Excellence for innovation and leadership in providing
13 million Canadian RBC clients with insurance advice,
choice and solutions.
RBC Insurance also developed an innovative wireless claims
dispatch system that enhances the client experience by
increasing the speed and efficiency of the claims assessment
process. In 2007, RBC won a prestigious award for this new
process and was named one of the banking and financial
services industry’s 25 most innovative people, companies
and technologies in the sixth annual Innovator ranking by
Bank Technology News.
We also broadened our product portfolio to include a wider
range of options for clients. This includes a new simplified
critical illness insurance product that provides basic coverage
and a simplified application process. In addition to this
change we enhanced our Critical Illness Recovery Plan
policy to include an industry-leading long term care insurance
conversion feature.
Expanding our retail insurance branch network remained a
priority over the past year. RBC Insurance now has 23 retail
insurance branches located in Ontario, Quebec, Nova Scotia,
New Brunswick and Alberta. These branches offer a convenient
retail option for customers wishing to meet face to face with
an insurance advisor for home, auto, travel and simplified
life insurance.
In 2008, we will focus on three strategic priorities.
First, we need to drive increased sales through multiple
distribution channels. We will also maintain strength in
our third party distribution channels.
Second, we will strive to deepen client relationships.
To do this, we will deliver on key projects that enhance the
client experience and allow us to effectively cross sell to our
existing insurance clients based on their needs.
Our final strategic priority is to simplify the way we do
business for both our clients and employees. This means
streamlining our processes while continuing to make it
easier for clients to do business with us.
While we are proud of the success we had in 2007, we will
focus on these priorities to accelerate our momentum and
deliver on another exceptional year for RBC Insurance in 2008.
Neil Skelding
President & CEO, RBC Insurance
2007 CORPORATE PROFILE 1

In 2007, we focused on three strategic priorities: putting clients first
by delivering best-in-class products and services, continuing to lead in
chosen markets by building on our Canadian leadership positions and
improving our client experience.
2007 highlights
Over the past year, we made significant progress against all of
our strategic priorities. From a product perspective, we enhanced
existing options and introduced new products for clients. Our
simplified critical illness insurance product provides consumers
with basic coverage and a simplified application process.
We also enhanced the Critical Illness Recovery Plan policy to
include a new long term care insurance conversion feature.
In the United States, we launched four new fixed annuities
and an indexed universal life product for U.S. clients.
RBC Insurance also expanded its retail insurance branch network
over the past year, opening 12 new branches in 2007. We now
have a total of 23 branches in Ontario, Quebec, Nova Scotia,
New Brunswick and Alberta.
We continued to lead in chosen markets gaining recognition
for innovation from both the Bank Insurance & Securities
Association (BISA) and Bank Technology News. RBC Insurance
was selected as the winner of the 2006 Large Institution
Program of the Year Award from BISA for innovation and
leadership in providing 13 million Canadian RBC customers
with insurance advice, choice and solutions. RBC Insurance
also developed an innovative wireless claims dispatch system
that provides home and auto claims road adjusters with
on-site access to critical claims data. This unique program
enhances customer service by improving the speed and
efficiency of the claims assessment process. RBC won an
award for this new process when we were selected as one
of the top 25 innovators of 2007 in the sixth annual Bank
Technology News ranking.
We also improved our risk management and operational
processes and maintained several important financial
strength ratings in 2007.
In order to maintain our momentum and position our
business for continued growth and expansion, RBC Insurance
introduced a Lean Six Sigma (LSS) program last year. This
initiative will help ensure our processes make it easy for
clients to do business with us, allow us to operate efficiently
and position RBC Insurance for continuous improvement.
RBC Life Insurance Company, our Canadian life insurance
operating entity, and Liberty Life Insurance Company, our
U.S. life insurance operating entity, renewed their “A”
(Excellent) financial strength ratings from A.M. Best. Royal
Bank of Canada Insurance Company Ltd., an RBC reinsurance
subsidiary located in Barbados, also maintained its “A”
(Excellent) financial strength rating from A.M. Best and its
AA– counterparty credit and financial strength rating from
Standard & Poor’s.
2 RBC INSURANCE

Financial highlights
RBC Insurance † net income after taxes (NIAT) for 2007 was $442 million, representing a 46%
increase over 2006. Premiums and deposits were also strong, reflecting new sales growth and
stronger client retention.
†
RBC Insurance operates through a number of legal entities. Please refer to the chart below for a listing.
Global Insurance
Premiums and Deposits
($ millions)
Global Insurance
NET INCOME AFTER TAXES
($ millions)
Global Insurance
Non Interest Expenses
($ millions)
Global Insurance
full time equivalent staff
3,288
3,406
3,460
21.6% CAGR ††
155
302
442
501
517
537
1,480
1,569
1,576
2005 2006 2007
2005 2006 2007
2005 2006 2007
2005 2006 2007
††
Compound Annual Growth Rate for NIAT
Corporate organization
At RBC Insurance, we offer a wide range of life, health, travel,
home and auto insurance products and creditor insurance
services to individual and business clients in Canada and the
United States, as well as reinsurance for clients around the world.
RBC Insurance, which operates as part of the Canadian Banking
segment of RBC, is the largest Canadian bank-owned group
of insurers.
We continue to lead in the creditor, travel, life and individual
living benefits insurance markets in Canada. We also have a
fast growing home and auto insurance business and a leading
reinsurance operation.
RBC Insurance
Canadian
operations
RBC Insurance
Services Inc.
RBC Life
Insurance
Company 1
RBC Insurance
Company of
Canada
RBC General
Insurance
Company
Assured
Assistance Inc.
U.S.
operations
Liberty Life
Insurance
Company 1
The Liberty
Marketing
Corporation
International
operations
RBC Reinsurance
(Ireland) Limited
This chart does not represent the organization’s actual legal or divisional structure.
Royal Bank
of Canada
Insurance
Company Ltd. 2
1
“A” (Excellent) financial strength rating from A.M. Best.
2
Royal Bank of Canada Insurance Company Ltd. has an “A” (Excellent) financial strength rating from A.M. Best and an AA– counterparty credit and financial strength rating from Standard & Poor’s.
2007 CORPORATE PROFILE 3

RBC Insurance Executive Committee
From left to right: Stan Seggie, Head, Travel Insurance > John Hillis, Head, Business & Client Strategy > Kathy Pryden, Head, Reinsurance &
International Markets > William Onuwa, Head, Insurance Risk Management > Tom Dalinda, Head, Investments > Louise Mitchell, Head, Bank
Insurance Distribution > François Boulanger, Head, Home and Auto Insurance > Neil Skelding, President & CEO, RBC Insurance > John Young,
Head, Life and Health Insurance > David Black, Head, U.S. Insurance > Diane Churilla, Head, Finance > Rino D’Onofrio, Head, Insurance Operations
4 RBC INSURANCE

RBC INSURANCE 9
2007 CORPORATE PROFILE 5

Our life and health insurance business provides a wide range of
individual and group life and health insurance solutions to individual
and business clients in Canada and the United States.
Life and health
6 RBC INSURANCE

RBC Insurance offers life and health insurance, as well as
wealth solutions, to individual and group clients in Canada
and the United States. This includes term and universal
life, critical illness, disability and long term care insurance,
as well as group benefits and segregated funds in Canada.
We also offer variable life insurance, and fixed and variable
annuities in the United States. In Canada, these products are
distributed through more than 17,000 independent brokers
affiliated with producer groups, financial planning companies
and investment dealers, as well as through direct sales and a
network of more than 300 proprietary insurance advisors.
Distribution in the United States is through regional and
independent broker-dealers, national marketing organizations,
RBC banking and investment channels, the Internet, other
direct marketing channels and a field force of approximately
250 sales agents, operating primarily in the southeastern
United States.
In 2007, we focused on enhancing manufacturing and service
capabilities, broadening our distribution channels and
improving technology. We launched a number of initiatives
over the past year which supported these priorities and
enabled us to further grow and expand our life and health
insurance business.
From a product perspective, we introduced a new Guaranteed
Standard Issue ® life insurance product. This unique product
— which is a first in the Canadian industry — uses a group
underwriting approach to offer individual life insurance
products. It is geared toward employer/employee groups of
10 or more and uses a group-like enrollment process rather
than a traditional individual life insurance application process.
We also launched a simplified critical illness insurance option,
which targets a broader range of consumers. The new product
features a simplified application and underwriting process and
provides a solid solution to consumers who are looking for an
affordable alternative for meeting fundamental critical illness
insurance needs. As part of our review of our critical illness
product portfolio, we also enhanced our Critical Illness Recovery
Plan policy to offer consumers improved and unique features,
including an increased number of covered conditions and an
industry-leading long term care insurance conversion option.
The RBC Insurance Guaranteed Investment Funds (GIFs),
which were launched in 2006, had a strong year, including
the introduction of enhancements and two new fund options.
These changes broaden the appeal of the product to a wider
audience and allow clients to further diversify their holdings.
We also introduced new rates for both our disability and term
life insurance products to improve competitiveness in these
key markets. We added a new Term 10 Policy Exchange option
as well, which allows clients to exchange their Term 10 policy
for a Term 20 option without providing evidence of insurability.
Enhancing our technology platform remained a key priority
in 2007. The completion of several phases of our major
technology transformation resulted in most new Canadian
living benefits insurance business now being processed
through these new systems.
We also completed the transitioning of our independent
contracted representatives to RBC Insurance commissioned
employees. As a result of this change and the increased focus
on streamlining this business, our Canadian career sales
insurance advisors saw record total production in 2007, with
a 125% increase in productivity per advisor in the last year.
In 2007, our term life and simplified critical illness insurance
solutions continued to be offered through the RBC Insurance
retail insurance branch network. These branches provide a
convenient retail option for clients who are looking to meet
face to face with an insurance advisor for home, auto, travel,
term life and simplified critical illness insurance products.
There are now 23 retail RBC Insurance branches located in
markets across Canada.
U.S. operations
In the United States, RBC Insurance strengthened its position
as a leading provider of directly marketed optional mortgage
life and mortgage accidental death insurance to customers
of U.S. financial institutions, contracting with a new national
mortgage account and expanding marketing opportunities
with a key existing national account. We also implemented a
new marketing protocol based on target package design and
prospect modelling.
We saw continued strong growth in sales of our term insurance
products. The RBC ExpressTERM TM policy, our fully automated
term insurance product, increased 28% over 2006. The
RBC LevelTERM ® policy, traditionally underwritten term
insurance with highly competitive rates for tobacco users,
was up 23%.
We also introduced four new fixed annuities (three indexed
and one traditional) and an indexed universal life insurance
product working with a new third party administrator for
product development. This significant expansion of our
product development capability provides increased design
flexibility and enables us to accelerate new product introductions.
Our U.S. proprietary sales force also saw the highest average
agent productivity in our history, nearly doubling in the past
four years. We implemented a new agent activity model
designed to significantly improve first year agent retention.
Over the next year, our focus will be on further expanding
our North American life and health insurance operations by
building our distribution capabilities through retail insurance
and online options, strengthening our independent and
proprietary channels and enhancing our product portfolio to
provide options that appeal to a broader range of consumers.
2007 CORPORATE PROFILE 7

Our property and casualty products include home, auto and travel
insurance for individual and business clients in Canada. We also have
a growing U.S. travel insurance business.
Property and casualty
Home and auto insurance
At RBC Insurance, we offer Canadians a comprehensive range
of personal home and auto insurance products, including
coverage for houses, condominium units, apartments,
cottages, automobiles, motorcycles, recreational vehicles
and snowmobiles. RBC Insurance home and auto insurance
products are offered to clients through direct sales channels,
including face to face in retail insurance branches, as well as over
the phone, on the Internet and through group insurance plans.
Our group insurance program is designed to give employers
and affinity groups the opportunity to offer employees and
members value-added insurance options without the cost
of maintaining an additional benefit program. Over the past
year, we added 20 new organizations to this rapidly growing
program. We now provide group home and auto insurance
benefits to more than 80 groups across Canada, representing
over 550,000 eligible members and employees.
In 2007, we continued to expand our home and auto insurance
business. Key highlights include introducing new products,
services and programs to enhance client experience and grow
our overall business.
We launched a new RBC Deductible Choice TM option for home
and auto insurance clients in Ontario. This feature allows
clients to select any deductible they would like, from $250
to $10,000. This option complements the RBC Insurance
Deductible Rewards program, which was introduced in 2006 and
allows Ontario clients to decrease their deductible by $50
for every year they are claim free, up to a maximum of $250.
The Deductible Rewards program and the Deductible Choice
option will be introduced in other provincial markets in 2008.
From a claims perspective we piloted the Auto Watch program,
which allows clients to monitor repairs of their vehicles online.
We are also continuing the expansion of our unique valet
program to other areas across Canada. As part of this innovative,
client-friendly program, RBC Insurance picks up a client’s
damaged vehicle, takes it to a repair facility and delivers
a replacement rental vehicle to the client’s home or work
place — whichever is more convenient. When the repairs are
complete, the vehicle is returned and the rental car picked up.
RBC Insurance implemented a full end-to-end wireless claims
dispatch system and mobile claims application in 2006, providing
home and auto claims road adjusters with on-site access to
critical claims data. Available in all major Canadian cities, this
unique program enhances the customer service by improving
the speed and efficiency of the claims assessment process.
In 2007, RBC won a prestigious award for this new process and
was named one of the banking and financial services industry’s
25 most innovative people, companies and technologies in the
sixth annual Innovator ranking by Bank Technology News.
We also introduced a credit-based platform in Quebec that
enables RBC Insurance to be more competitive in the marketplace
and provide pricing tailored to our clients.
Over the next year, we plan to continue to grow our business
by enhancing the overall client experience and expanding
our distribution channels, with a particular emphasis on retail
insurance branches and group insurance.
8 RBC INSURANCE

Travel insurance
RBC Insurance is the leading provider of travel insurance in
Canada. We were also the recipient of the Baxter Travel Agents’
Choice award for favourite travel insurance provider in Canada,
marking the sixth consecutive year we have received this honour.
Our travel insurance business provides a wide range of products
and services, including trip cancellation, interruption and
emergency assistance services to clients in Canada and the
United States. These products are offered through a network of
travel distributors, as well as over the Internet. In Canada travel
insurance products and services are also distributed through
approved bank channels, our network of proprietary insurance
advisors, insurance brokers and retail insurance branches.
In 2007, we continued to grow our Canadian business by
launching new technology solutions and enhancing the
products we provide to distributors and their clients.
Over the past year we launched a new electronic application for
Travel HealthProtector ® insurance for use within bank branches,
replacing the use of paper applications. This has facilitated a
more positive client experience as the new application is faster
to use, easier to understand and streamlines our administrative
processes. New Travel HealthProtector product and sales
fulfillment training was also provided to the bank sales force
over the past year.
We also launched several process improvements, including
automated policy fulfillment, which gives us the ability to
provide customized policy language to travel insurance clients
— a first in the Canadian travel industry. With this new process,
the travel agent’s primary responsibility will be to offer travel
insurance, with the policy fulfillment being carried out by
RBC Insurance. Upon a sale, we promptly deliver a client’s
policy directly to them by email or mail. We also introduced
an online travel insurance claim form and proactive follow
up on claims information, which improved the efficiency of
claims processing.
We continued to build our U.S. travel insurance business by
signing up new accounts and leveraging our strong Canadian
business expertise.
RBC Insurance plans to grow its travel insurance business by
exploring additional distribution channels and enhancing and
simplifying our products, processes and structures.
2007 CORPORATE PROFILE 9

Reinsurance
RBC Insurance reinsures risks to other insurance and reinsurance
companies in order to provide greater diversification, limit loss
exposure to large risks and provide additional capacity for future
growth. We have focused our reinsurance business on life retrocession
and trade credit reinsurance.
Life retrocession
RBC Insurance continues its participation in excess reinsurance
pools and quota-share deals of most North American and
European reinsurers by accepting a portion of reinsurance risk
on life and critical illness insurance policies.
We are now participating in the longevity risk associated
with payout annuities. This is done by assuming the expected
payments on blocks of annuities and reimbursing the reinsurers
for the actual payments made to the annuitants.
Going forward we will continue researching new product
lines and identifying growth opportunities in other
international markets.
Credit and financial products reinsurance
Our credit and financial products business underwrites
traditional trade credit, surety and financial-based risk,
primarily in the European credit markets. We participate
in quota-share programs and excess-of-loss layers with all
primary trade credit insurers. We also selectively participate
in facultative transactions for specific risks.
We plan to continue to increase our share of the trade credit
reinsurance market and to take on selective business that
fits within our credit limits and return on capital requirements.
We offer our clients responsiveness, capacity and relationship
commitment along with strong counterparty credit ratings.
10 RBC INSURANCE

RBC Insurance is involved in a number of key insurance and related
activities that generate fee income for the organization, including
creditor and travel assistance services.
Other insurance products
and assistance services
Creditor insurance
RBC Insurance supports the creditor insurance products and
services for individual and business clients of RBC Royal Bank ® .
This includes life and disability insurance for mortgages, loans
and Visa* cards.
In 2007, we continued to enhance our leadership position in
this market. Over the past year the underwriting threshold for
life and disability insurance on mortgages increased from
$300,000 to $500,000 and the longer form application was
replaced with tele-underwriting, making it faster and easier
for clients to qualify for insurance. We also integrated the
BalanceProtector ® product into the online Visa application
process, providing access to clients who apply for an
RBC Royal Bank Visa card online.
Late in the year, we launched a disability creditor insurance
option and tele-underwriting for the Business Loan Insurance
Plan. RBC Royal Bank is the first major Canadian financial
institution to launch a creditor disability product for businesses.
Going forward we plan to support the enhancement of existing
creditor insurance products by offering additional solutions
to business and personal clients to make it easier for consumers
to understand and access creditor insurance coverage.
Travel assistance services
RBC Insurance, through Assured Assistance Inc. (AAI), is one
of North America’s leading providers of emergency travel and
medical assistance services.
AAI provides 24/7 multilingual travel assistance, medical case
management, cost containment and network access to more
than three million worldwide travellers annually.
In 2007, we continued to expand our medical provider network
through direct relationships with top quality medical providers
in key travel destinations. We also continued to contract with
preferred provider networks to deliver access to top quality medical
providers with superior savings.
AAI develops and implements advanced quality tracking and
measurement tools focusing on delivering superior client
experience, industry-leading claim savings and improved
workflow efficiencies.
Going forward, our continued focus is on delivering a superior
client experience, expanding our worldwide medical provider
relationships, claim savings and operational efficiencies.
2007 CORPORATE PROFILE 11

RBC Insurance locations
CANADA
Canadian Head Office
6880 Financial Dr., Tower 1, Mississauga, ON L5N 7Y5
T (905) 949-3663 F (905) 813-4853
RBC Insurance Branches
Bonnie Doon insurance branch
82nd Avenue & 83rd Street, Unit 155, Edmonton, AB T6C 4E3
T (780) 944-5832 F (780) 944-4395
Calgary Main insurance branch
195 - 315 8th Avenue SW, Calgary, AB T2P 4K1
T (403) 299-4588 F (403) 299-4586
Dieppe insurance branch
231 Champlain Street, Suite 101, Dieppe, NB E1A 1N9
T (506) 870-3717 F (506) 870-3781
Fredericton insurance branch
1206 Prospect St., Fredericton, NB E3B 3C1
T (506) 450-2344 F (506) 451-6626
Clayton Park insurance branch
287 Lacewood Drive, Unit 110, Halifax, NS B3M 3Y7
T (902) 421-5518 F (902) 421-7937
Dartmouth insurance branch
50 Tacoma Drive, Suite 15, Dartmouth, NS B2W 3E5
T (902) 421-2161 F (902) 421-4234
Centre Mall insurance branch
1227 Barton Street E, Hamilton, ON L8H 7J3
T (905) 548-5790 F (905) 548-5401
Queen’s Quay insurance branch
207 Queen’s Quay West, Unit 121, Toronto, ON M5J 1A7
T (416) 955-2550 F (416) 955-2588
Kingston insurance branch
65 Princess St., Unit 2, Kingston, ON K7L 1A6
T (613) 549-7300 F (613) 549-7655
Milton Mall insurance branch
65 Ontario St. S., Unit F6, Milton, ON L9T 2T2
T (905) 875-3144 F (905) 875-0744
Dixie & Burnhamthorpe insurance branch
4141 Dixie Road, Unit 7, Mississauga, ON L4W 1V5
T (905) 625-3034 F (905) 625-3996
Highway 10 & Eglinton insurance branch
4557 Hurontario Street, Unit B3, Mississauga, ON L4Z 3M2
T (905) 712-3236 F (905) 712-8959
Meadowvale insurance branch
6880 Financial Drive, Mississauga, ON L5N 7Y5
T (905) 286-5099 F (905) 286-1187
Oakville insurance branch
361 Cornwall Road, Unit 107, Oakville, ON L6J 7Z5
T (905) 815-8121 F (905) 815-8844
Finch & McCowan insurance branch
Woodside Square, 1571 Sandhurst Circle
Scarborough, ON M1V 1V2
T (416) 292-6466 F (416) 292-6490
Warden & Finch insurance branch
2900 Warden Avenue, Unit 209, Scarborough, ON M1W 2S8
T (416) 497-1226 F (416) 497-1262
Bloor & Yonge insurance branch
2 Bloor Street East, Lower Concourse, Toronto, ON M4W 1A8
T (416) 974-2760 F (416) 974-2878
Leslieville insurance branch
1015 Lake Shore Blvd. East, Unit 2A, Toronto, ON M4M 1B4
T (416) 461-3970 F (416) 461-3969
Southdale & Wonderland insurance branch
3089 Wonderland Rd. South, Unit A, London, ON N6L 1R4
T (519) 680-6022 F (519) 680-6029
Place Portobello insurance branch
7250 Taschereau Blvd., Unit 16, Brossard, QC J4W 1M9
T (450) 923-5122 F (450) 923-5121
Place Grilli insurance branch
3535 St. Charles Blvd., Kirkland, QC H9H 5B9
T (514) 630-1908 F (514) 630-5001
Place Ville-Marie insurance branch
1 Place Ville-Marie, Galeries Level, Montreal, QC H3B 3Y1
T (514) 874-2282 F (514) 874-2141
Mascouche insurance branch
222 Montée Masson, Mascouche, QC J7K 3B5
T (450) 966-3467 F (450) 966-3484
12 RBC INSURANCE
Life and Health Offices
10655 Southport Rd. S.W., Suite 600, Calgary, AB T2W 4Y1
T (403) 264-8686 F (403) 263-5591
10117 Jasper Ave., Suite 610, Edmonton, AB T5J 1W8
T (780) 423-0066 F (780) 428-1925
300-2985 Virtual Way, Vancouver, BC V5M 4X7
T (604) 689-1738 F (604) 683-3320
220 Portage Ave., Suite 1206, Winnipeg, MB R3C 0A5
T (204) 985-9497 F (204) 944-8855
5161 George St., 12th Floor, Halifax, NS B3J 1M7
T (902) 492-3444 F (902) 492-2171
1122 International Blvd. Box 5044, Burlington, ON L7R 4C1
T (905) 319-9501 F (905) 319-9490
30 Duke St. W., 8th Floor, Kitchener, ON N2H 3W5
T (519) 579-4770 F (519) 579-4787
380 Wellington St., Suite 205, London, ON N6A 5B5
T (519) 679-9590 F (519) 679-4649
90 Sparks St., 2nd Floor Mezzanine Level, Ottawa, ON K1P 5T6
T (613) 239-3038 F (613) 239-3022
483 Bay Street, Suite 1000, North Tower, Toronto, ON M5G 2E7
T (416) 594-3700 F (416) 861-0897
2110 Amy Lynn Park Dr., Windsor, ON N9E 4N1
T (800) 265-1523 F (519) 945-4383
1100, boul. René-Lévesque O., bur 710, Montreal, QC H3B 4N4
T (514) 954-1205 F (514) 954-1206
1000, route de L’Église, bur 470, Ste-Foy, QC G1V 3V9
T (418) 623-7285 F (418) 623-9608
135-21 St. E., Ste 201, Saskatoon, SK S7K 0B4
T (306) 933-3222 F (306) 665-1106
Career Sales Offices
10216 124th St., Suite 606, Edmonton, AB T5N 4A3
T (780) 944-8774 F (780) 944-8795
10655 Southport Rd. S.W., Suite 600, Calgary, AB T2W 4Y1
T (403) 271-4422 F (403) 278-3774
3960 Quadra St., Suite 507, Victoria, BC V8X 4A3
T (250) 953-2300 F (250) 881-7497
2985 Virtual Way, Suite 301, Vancouver, BC V5M 4X7
T (604) 718-4300 F (604) 718-4375
20434 64th Ave., Suite 110 Langley, BC V2Y 1N4
T (604) 532-2650 F (604) 532-2656
220 Portage Ave., Suite 1305, Winnipeg, MB R3C 0A5
T (204) 953-0500 F (204) 947-2733
525 Main St., Moncton, NB E1C 1C4
T (506) 857-8025 F (506) 853-7939
6880 Financial Dr., Tower 1, 2nd Floor, Mississauga, ON L5N 7Y5
T (905) 858-8890 F (905) 858-5860
3027 Harvester Rd., Suite 502, Burlington, ON L7N 3G7
T (905) 631-7550 F (905) 631-8705
3300 Highway #7, Suite 320, Concord, ON L4K 4M3
T (905) 760-8060 F (905) 760-7701
2075 Kennedy Rd., Suite 600, Scarborough, ON M1T 3V3
T (416) 289-5661 F (416) 289-4177
383 Richmond St., Suite 801, London, ON N6A 3C4
T (519) 645-6840 F (519) 642-1421
111 Grangeway Ave., Suite 400, Scarborough, ON M1H 3E9
T (416) 289-8779 F (416) 289-7120
238A Brownlow Avenue., Suite 101, Dartmouth, NS B3B 2B4
T (902) 492-4100 F (902) 429-7646
40 Hines Rd., Suite 400, Kanata, ON K2K 2M5
T (613) 592-8007 F (613) 592-8077
9900 Cavendish Blvd., Suite 310, St. Laurent, QC H4M 2V2
T (514) 856-8666 F (514) 856-8699
3100 Le Carrefour Blvd., Suite 115, Laval, QC H7T 2K7
T (450) 686-4299 F (450) 686-4644
1260 Lebourgneuf Blvd., Suite 200, Quebec City, QC G2K 2G2
T (418) 654-1222 F (418) 654-2036
2010 11th Ave., Suite 500, Regina, SK S4P 0J3
T (306) 569-7666 F (306) 569-7733
Home and Auto Offices
10303 Jasper Ave., Suite 2050, Edmonton, AB T5J 3N6
T (866) 715-3757 F (866) 804-2228
10655 Southport Rd. S.W., Suite 600, Calgary, AB T2W 4Y1
T (866) 715-3757 F (866) 804-2228
111 Grangeway Ave., Suite 406, Scarborough, ON M1H 3E9
T (888) 269-2515 F (905) 813-4791
1 Place Ville Marie, Suite 1300, East Wing, Montreal, QC H3C 2S1
T (800) 769-2526 F (514) 384-5088
Travel Offices
10655 Southport Rd., S.W., Suite 600, Calgary, AB T2W 4Y1
T (403) 271-0504 F (403) 271-8168
2985 Virtual Way, Suite 300, Vancouver, BC V5M 4X7
T (604) 718-6700 F (604) 718-6752
1 Place Ville Marie, 13th Floor, South Wing, Montreal, QC H3C 3A9
T (514) 748-1457 F (514) 748-2588
United States
U.S. Head Office
2000 Wade Hampton Blvd., P.O. Box 1389, Greenville, SC 29602
T (864) 609-3600 F (864) 609-4100
Life and Health Offices
2 Pershing Square, 2300 Main St., Suite 450, Kansas City, MO
64108
T (816) 218-6500 F (816) 218-6611
Agency Sales Offices
Baton Rouge
10755 Linkwood Ct., Baton Rouge, LA 70810
T (225) 766-1116 F (225) 766-1154
Charleston
885 Island Park Dr., Suite 102, Charleston, SC 29492
T (843) 856-2257 F (843) 856-3589
Charlotte
13860 Ballantyne Corporate Place, Suite 175, Charlotte, NC
28277
T (704) 540-2663 F (704) 540-2824
Columbia
4406 — A Forest Dr., Suite 3, Columbia, SC 29206
T (803) 743-0071 F (803) 743-0880
Florence
1810 Second Loop Rd., Suite 12, Florence, SC 29501
T (843) 662-3632 F (843) 665-7633
Greenville
100 Verdae Blvd., Suite 402, Greenville, SC 29607
T (864) 281-0684 F (864) 281-0539
Lake Charles
1415 West Prien Lake Rd., Lake Charles, LA 70601
T (337) 474-0488 F (337) 474-7504
Lexington
1510 Newtown Pike, Suite 152, Lexington, KY 40511
T (859) 255-7959 F (859) 253-3124
Myrtle Beach
2024 Corporate Centre Dr., Suite 303, Myrtle Beach, SC 29577
T (843) 626-6252 F (843) 626-6274
Raleigh
Highwoods Tower Two, 3201 Beechleaf Ct., Suite 490, Raleigh,
NC 27604
T (919) 878-0440 F (919) 878-0442
SE Florida
801 Brickell Ave., Suite 570, Miami, FL 33131
T (305) 810-1770 F (305) 810-1779
Spartanburg
Oak Forest Shopping Center, 2401 Reidville Rd., Suite 7
Spartanburg, SC 29301
T (864) 587-6570 F (864) 587-6575
Travel Offices
2000 Wade Hampton Blvd., Greenville, SC 29615
T (864) 609-3030 F (864) 609-3737
INTERNATIONAL
Reinsurance Offices
Suite A5, Beacon Court, Sandyford, Dublin 18, Ireland
T (353) 1-293-7120 F (353) 1-293-7130
Chelston Park, 1st Floor, Building #1, Collymore Rock
P.O. Box 1335, St. Michael, Barbados, West Indies
T (246) 228-7544 F (246) 228-7553

Directors
PETER R.P. EVELYN > Attorney-at-Law
Peter Evelyn & Co., Bridgetown, Barbados
Royal Bank of Canada Insurance Company Ltd.
JOHN LARKIN > Partner
William Fry, Solicitors, Dublin, Ireland
RBC Reinsurance (Ireland) Limited
JAMES MCKENNA > Business Consultant
Dublin, Ireland
RBC Reinsurance (Ireland) Limited
PETER B. PATTERSON > Business Director
Wycliffe College, Toronto, Ontario
RBC Life Insurance Company
RBC Insurance Company of Canada
RBC General Insurance Company
JOHN E. PELLER > President & CEO
Andrew Peller Limited, Grimsby, Ontario
RBC Life Insurance Company
RBC Insurance Company of Canada
RBC General Insurance Company
WILLIAM M. TOMLIN > President/Director
CGM Insurance Brokers, Bridgetown, Barbados
Royal Bank of Canada Insurance Company Ltd.
JOHN F. T. WARREN > Partner and National
Business Department Leader
Borden Ladner Gervais, LLP, Toronto, Ontario
RBC Life Insurance Company
RBC Insurance Company of Canada
RBC General Insurance Company
CHARLES D. WHELLY, Q.C. > Barrister and Solicitor
Cox & Palmer, Saint John, New Brunswick
RBC Life Insurance Company
RBC Insurance Company of Canada
RBC General Insurance Company
This list does not include RBC officers who sit on any of our boards of directors.
®
Registered trademarks of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
TM
Trademarks of Royal Bank of Canada.
* Registered trademark of Visa International Service Association. All used under license.
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www.rbcinsurance.com
For more information, contact RBC Insurance toll-free at 1-888-526-2056.
RBC Insurance
6880 Financial Drive, Tower 1
Mississauga, Ontario
Canada L5N 7Y5
82040 (03/2008)