Xponent Insurance Service
Insurance is more than protection—it is an important part of a well-structured financial plan. The right insurance strategy can help protect your family, preserve your wealth, support business continuity, and create greater certainty for the future.
At Xponent Wealth Management, we help clients understand how different insurance solutions may fit into their broader financial, estate, and legacy planning needs, so coverage is aligned with what matters most at every stage of life.
Protect the people and plans that matter most.
Life insurance can help provide financial security for your family, replace lost income, cover liabilities, and support estate and legacy planning. We help you evaluate coverage based on your financial priorities, family needs, and long-term goals.
Protect • Preserve • Pass On
Personal Life Insurance
Charitable Giving Through Insurance
Turn your legacy into lasting impact.
Life insurance can be incorporated into charitable and estate planning to help create a meaningful future gift while preserving other assets for family and beneficiaries.
Depending on how the policy and charitable gift are structured, eligible charitable donations may also generate tax benefits.
Give with Purpose • Build a Legacy • Create Impact
CDA Planning
Certain corporate-owned life insurance proceeds may contribute to a corporation's Capital Dividend Account.
Insurance Solutions for Every Stage of Wealth
Corporate Life Insurance
Protect your business while strengthening long-term planning.
For business owners and incorporated professionals, corporate-owned life insurance can support key-person protection, succession planning, estate equalization, and corporate wealth strategies.
When structured appropriately, life insurance proceeds received by a private corporation may also create a credit to its Capital
Dividend Account (CDA), providing additional planning opportunities for Canadian-resident shareholders.
Business Protection • Succession • Corporate Planning
Critical Illness Insurance
Financial flexibility when your health becomes the priority.
A serious illness can affect more than your health—it can also disrupt income, savings, and long-term financial plans. Critical illness insurance can provide a lump-sum benefit when a covered condition meets the policy requirements, giving you greater flexibility to focus on recovery.
Funds can generally be used according to your needs, whether for everyday expenses, additional care, business obligations, or protecting existing investments.
Protect Income • Preserve Savings • Focus on Recovery
Featured Insurance Solutions
Explore innovative insurance solutions that go beyond traditional protection.
01 · Insurance as an Asset Class
Sun Life / Manulife
Protection meets long-term wealth planning.
For affluent families and business owners, permanent life insurance can be incorporated into a broader asset allocation strategy — combining lifelong protection with tax-advantaged value accumulation and efficient wealth transfer.
Tax Efficiency · Portfolio Diversification · Estate Value
02 · Manulife Vitality
Insurance that rewards healthier living.
Turn healthy choices into meaningful rewards.
Manulife Vitality combines life insurance with a wellness rewards program. Everyday activities — from exercise and healthy sleep to preventive health actions — can earn Vitality Points and unlock benefits, rewards and potential insurance savings.
Live Healthier · Earn Rewards · Insurance Savings
ProDucts Information
Learn about the details of the products we represent
