Services for every stage of your plan
Most people arrive with pieces — a group benefit here, an RRSP there. We put the pieces in order, then fill the gaps in the right sequence.
Life insurance, living benefits and tailored coverage for families and business owners.
- Term & permanent life
- Critical illness & disability
- Tailored solutions
Registered and non-registered savings built around your timeline and tax situation.
- GICs
- Segregated funds
- RRSP & TFSA
Grow your wealth now, then turn it into dependable monthly income later.
- Growth & wealth
- Retirement transitions
- CPP, OAS & RRIF timing
Pass on more of what you own, with less tax, delay and family friction.
- RRSP / RRIF estate planning
- Life insurance estate planning
- Beneficiary & probate review
Key person, buy-sell, corporate-owned insurance and health spending accounts.
IRCC-compliant coverage for visiting parents and grandparents, issued same day.
Emergency medical for visitors to Canada, students, and Canadians travelling abroad.
Your income pays for everyday life and tomorrow’s goals. We help you explore disability coverage that supports your household if illness or injury interrupts your ability to work.
View page →Explore insurance-based investment options in the context of your family, your time horizon and the legacy you want to leave. We help you decide whether the added features are worth the cost for your plan.
View page →Explore personal health and dental coverage around your needs, existing benefits and budget. We help you understand what a plan includes and where its limits apply.
View page →Explore employee benefits around your team, your priorities and your budget. We help business owners compare group coverage and understand the decisions involved in setting up and maintaining a plan.
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Built for the way the GTA actually lives
Cover the mortgage, the childcare years and the income that pays for both.
Supervisa and visitor coverage that meets IRCC requirements, issued quickly.
Move money out of the corporation efficiently and protect the business from a single absence.
Turn savings into a paycheque, and keep the estate out of a long probate.
Three conversations, then a plan
30 minutes, in person in Toronto or by video. We map what you own, what you owe and who depends on you. No products discussed.
We shop the market and come back with quotes side by side, the tax logic explained in plain English, and a priority order.
We handle applications, medicals and paperwork — then review annually as your income, family and goals change.
What clients say
We had three policies from three places and no idea if we were covered. One meeting later we understood everything and were paying less.
My parents' Supervisa policy was issued the same afternoon I called, with the letter the visa office needed.
As an incorporated consultant I needed someone who understood both the corporation and my family. That is exactly what I got.
Your questions, answered
Get to know Xeta, explore our approach and find answers to common questions about planning for your family or business.
What does Xeta Professional Services Corp. do?
Xeta Professional Services Corp. helps individuals, families, professionals and business owners understand their insurance, investment, retirement and estate-planning needs.
Our approach focuses on understanding your financial situation, identifying potential gaps and helping you evaluate suitable strategies based on your goals, priorities and circumstances.
What makes Xeta different?
We believe financial planning should go beyond simply purchasing a product.
Our process focuses on understanding the bigger picture, including your family, income, assets, liabilities, existing insurance, investments, business interests, retirement goals and estate-planning priorities.
Our goal is to help clients make informed financial decisions with greater clarity and confidence.
What happens during the first meeting?
The first meeting is primarily a discovery conversation.
We may discuss:
- Your financial goals
- Family situation
- Income and expenses
- Existing insurance
- Investments
- Mortgage and other liabilities
- Business or corporate interests
- Retirement objectives
- Estate-planning priorities
- Concerns or financial gaps you would like to address
After understanding your situation, we can determine what areas may require further analysis.
How much life insurance do I need?
There is no single amount that is appropriate for everyone.
Your insurance needs may depend on factors such as:
- Income replacement
- Mortgage and debts
- Children's education
- Final expenses
- Family lifestyle needs
- Business obligations
- Estate taxes
- Charitable intentions
- Existing savings and insurance
A proper needs analysis can help determine an appropriate amount of protection.
What is the difference between term insurance and permanent insurance?
Term insurance generally provides coverage for a specified period and can be useful for temporary needs such as mortgages, income replacement and family protection.
Permanent insurance is designed to provide long-term or lifetime coverage and may also include cash-value features depending on the product.
The appropriate solution depends on your objectives, affordability and financial circumstances.
Can Xeta help me organize investments that are held at different institutions?
Yes.
A financial review can help identify how your different investments fit together.
We can look at areas such as:
- RRSP
- TFSA
- RESP
- Non-registered investments
- Segregated funds
- Employer retirement plans
- Corporate investments
- Risk tolerance
- Asset allocation
- Retirement objectives
Any investment recommendation would be subject to appropriate licensing, suitability assessment and product availability.
Can my corporation own life insurance?
In certain circumstances, a corporation can own and pay premiums for life insurance on the life of a shareholder, director, key employee or another person in whom the corporation has an insurable interest.
Corporate-owned insurance can involve significant tax, legal and estate-planning considerations.
Your accountant and legal advisor should be involved when implementing complex corporate insurance strategies.
Can Xeta help incorporated professionals?
Yes.
Incorporated professionals can have different financial-planning considerations from salaried individuals.
Planning may involve coordinating:
- Personal and corporate cash flow
- Insurance
- Investments
- Retirement planning
- Corporate retained earnings
- Estate planning
- Shareholder protection
- Tax-efficient strategies
Complex tax strategies should always be coordinated with the client's accountant and legal professionals.
I already have insurance. Can Xeta review it?
Yes.
An insurance review can help determine whether your existing coverage continues to match your circumstances.
We may review:
- Coverage amount
- Policy type
- Ownership
- Beneficiaries
- Premiums
- Riders
- Existing cash values where applicable
- Business ownership
- Changes in family circumstances
- Changes in income or debt
A review does not necessarily mean replacing an existing policy.
Do you work with my accountant and lawyer?
Yes.
For corporate, estate and advanced-planning situations, collaboration with your accountant and lawyer can be very important.
Our role is not to replace your tax or legal professionals. Instead, we can work alongside them where appropriate to help coordinate the insurance and financial-planning components of your strategy.
Will you recommend a product during the first meeting?
Not necessarily.
Our preferred approach is to first understand your needs, financial circumstances, priorities and affordability.
Where a product recommendation is appropriate, we want the recommendation to have a clear purpose within your overall financial strategy.
How do I book a consultation with Xeta?
You can contact Xeta Professional Services Corp. through our website, telephone or email to request an introductory consultation.
We will learn more about what you are looking to accomplish and determine the appropriate next step.