### Why should I choose an independent advisor?

Independent advisors like Xeta Professional Services Corp. have access to multiple insurance carriers. This allows us to compare different plans and find the one that best fits your specific needs and budget, rather than being limited to a single company's products.

### What is FSRA regulation?

The Financial Services Regulatory Authority of Ontario (FSRA) is a regulatory body that ensures financial services providers in Ontario operate fairly, safely, and ethically. Being FSRA-regulated means we adhere to strict standards of professional conduct and consumer protection.

### How much life insurance do I actually need?

There is no one-size-fits-all answer. We typically look at factors like your outstanding debts (including mortgages), your income replacement needs, and future goals (like child education). A free consultation can help us calculate an appropriate coverage amount for your unique situation.

### Can I get a Super Visa without insurance?

No. Proof of medical insurance from a Canadian company for at least $100,000 and one year is a mandatory requirement for the IRCC (Immigration, Refugees and Citizenship Canada) to issue a Super Visa.

### Still have questions?

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