Financial Protection & Planning Advisory · Serving Alberta, Ontario & British Columbia
Vital Shield Risk Advisory
We compare your options across a broad range of Canadian carriers and providers — living benefits, group plans, HSA/WSA, retirement, estate, and wealth — in plain language, without product pressure.
Free · About 5 minutes · No medical questions
For business owners, professionals and families across Alberta, Ontario and British Columbia.
Our approach
Our actuarial science and management consulting background shapes a practical, numbers-first review. We map your income, business, family and retirement priorities before discussing products. We compare eligible options across a broad range of insurers and providers and explain the trade-offs in plain language — without product pressure.
Multi-carrier comparison
Numbers before products
Free, plain-language review
Support at claim time
Protection and planning
From income and group benefits to retirement, estate and wealth considerations, start with the exposure that matters most and connect the rest over time.
01 · Core protection
Critical illness, disability, hospitalization and life protection built around the income your household or business depends on.
Who it’s for: For professionals, families, self-employed people and employees whose plans leave an income gap.
What’s different: Compare definitions and eligible options across a broad range of Canadian insurers and providers.
02 · Core protection
Group benefits, HSA/WSA, overhead protection and ownership continuity for solo corporations, employers, startups and established businesses.
Who it’s for: For incorporated professionals, employers with 1–50 staff, founders and owners planning continuity or transition.
What’s different: Compare group, HSA/WSA and business-protection approaches that can scale with the company.
General information only; not tax, legal or investment advice.
Explore protection03
A structured review of retirement, cash flow, debt, registered savings and protection for complex family or business situations.
Who it’s for: For pre-retirees, executives, professionals and owners connecting today's decisions with future income.
What’s different: A numbers-first review that coordinates protection and planning rather than treating each account in isolation.
General information only; not tax, legal or investment advice.
Explore this service04
Life insurance, estate-document support, education savings and wealth considerations shaped around the people and plans that matter to you.
Who it’s for: For families, established professionals and business owners protecting dependants, assets and a future legacy.
What’s different: Connect life protection, estate priorities and family wealth goals through one coordinated advisory relationship.
General information only; not tax, legal or investment advice.
Explore this service05
Plain-language guidance on travel, health and dental coverage, including options for newcomers and people without a complete workplace plan.
Who it’s for: For newcomers, travellers, families, self-employed people and employees with health or dental gaps.
What’s different: Clear eligibility and limitation guidance before you rely on a personal plan or travel policy.
Single owner-operators may not need a traditional group size. Eligibility, plan design and tax treatment depend on the arrangement and should be confirmed with qualified tax professionals.
Not sure which options apply to you? Start with your free Risk Assessment.
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From review to ongoing support
A no-cost conversation to understand your income structure, dependants, business obligations and what is already in place.
An actuarially grounded review that quantifies where a health event, injury or death would create real financial pressure.
Options are modelled side by side across multiple Canadian carriers, with the trade-offs explained in plain language.
Secure digital application and documentation, underwriting managed on your behalf, policy delivered and explained.
Periodic reviews as income, family or business circumstances change — plus support at claim time when it matters most.
Your advisor
Founder & Principal Advisor
LLQP-qualified, Licensed Life And Health Advisor in Alberta, Ontario and British Columbia
Shashank Gupta founded Vital Shield to give Canadians the same quality of financial risk advice that was once reserved for large organizations. With an actuarial science and management consulting background, he compares protection and planning options without an agenda and explains them in plain language. His main goal is to build relationships and use his expertise to develop the best solution for each client's unique needs.
Shashank Gupta is a Partner – Risk Advisory, Financial Protection Solutions & Investment Strategies at Eau Claire Partners. Through Eau Claire Partners he has access to a broad range of Canadian insurers and providers, and brings their service orientation to every client relationship. More importantly, he focuses on clients' genuine needs and determines what will serve them best; bringing living benefits, life, group benefits, retirement, estate, and wealth considerations together under one advisory. He also conducts regular reviews to keep pace with his clients' evolving needs.
General information only; not tax, legal or investment advice.
Where we work
Alberta's economy runs on trades, energy, transport and owner-operated businesses — occupations where income stops the moment health does. Vital Shield is headquartered in downtown Calgary and advises households and business owners across the province.
From the GTA to Northern Ontario, self-employed contractors, tradespeople and small business owners carry income risk that group plans rarely cover. Vital Shield advises Ontario clients virtually with secure digital applications.
High cost of living and a large self-employed workforce make income protection critical across British Columbia. Vital Shield provides Living Benefits and risk advisory to BC clients from the Lower Mainland to the Interior and the North.
Ready to see where you’re exposed? It takes about 5 minutes.
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