Learn about how xl Financial Insurance works with xl Community and its partners to provide resources to the underrepresented, underserved and marginalized communities (including women, BIPOC, veterans, students and athletes).

Comprehensive Insurance Solutions:

Your Reliable Brokerage for Consumer and Business Coverage

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Join the Waitlist to Secure Your Founder-Level* Account at XL Financial Consumer and/or Business banking and receive discounted rates to xl Insurance.

Tailored consumer insurance plans:

Your shield against life's uncertainties.

With our diverse lineup of consumer insurance plans, you can rest assured knowing that you're equipped with the right coverage to confidently navigate challenges with ease.

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Vital security for your family, home, and more...

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Boat, yachts and personal watercraft

Condo

Earthquake

Fine arts

Flood

High net worth

Homeowners

Individual health

Jewelry

Medicare supplemental

Personal umbrella

Renters

Travel

Securing your business:

Shielding from unpredictability with insurance protection.

Count on our experience and customized services to empower you in driving business growth with peace of mind, knowing you're guarded against unexpected challenges.

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Safeguarding your enterprise from uncertainties...

Property Insurance

Liability Insurance

Business Interruption Insurance

Commercial Auto Insurance

Workers' Compensation Insurance

Professional Liability Insurance

Cyber Insurance

Directors and Officers (D&O) Insurance

Employment Practices Liability Insurance (EPLI)

Product Liability Insurance

Get Started on Your Path to Financial Success:

Secure Your Founder-Level* Account at XL Financial.

*as a Founder-Level account client (for either personal, student or business banking and/or credit), you will receive life-time one-on-one live support and an xl Financial Founder metal debit and/or credit card.

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1. Xl Financial is a financial technology company, not a bank. Banking services provided by TBD, Member FDIC.

2. The Xl Financial Debit and Credit Cards are issued by our banking partner pursuant to a license by Mastercard® International or VISA® U.S.A. Inc.

3. If you choose to link your Xl Financial Debit Card to an Xl Financial Community Program. You'll have the option to donate your spare change to any of the active Programs available. Each time you make a transaction with your Xl Financial Debit Card feature in your Xl Financial Checking Account, we'll round up the transaction amount to the nearest whole dollar (from $0.01 to $0.99) for every person who participates in the program. The excess amount will then be transferred to an Xl Financial Community Partner Account. Please note that even-dollar transactions ($xx.00) are not eligible for this service.

4. Out-of-network ATM withdrawal fees apply. Xl Financial will charge an ATM Withdrawal Fee or $2.50, in addition to any fees charged by the ATM operator. Please refer to account terms and conditions.

5. Xl Financial Inc is not a lender. All decisions and terms offered are the responsibility of the participating lenders. Your results will be unique based on the items showing in your credit report, zip code and other factors for certain products and services. Not all consumers will qualify for the advertised rates and certain restrictions may apply depending on the type of loan.

6. Xl Financial Invest Edge Accounts are held at a broker-dealer and qualified custodian TBD, Member SIPC and FINRA. Cash and investments in this account are protected by SIPC up to $500,000, with a limit of $250,000 for cash. For details, please see https://www.sipc.org are held at a broker-dealer and qualified custodian.

7. Investments in securities are Not FDIC Insured, Not Bank Guaranteed and May Lose Value

8. Investment advisory services are provided by Xl Financial Investment Advisory, LLC, an SEC registered investment adviser. Brokerage services are provided by DriveWealth LLC, member FINRA/SIPC.

9. Xl Financial Invest Edge, by Xl Financial Advisory, LLC, an SEC-registered investment adviser, seeks to earn net returns up to 5.43% annually on your idle cash. Net yield numbers as of 03/04/2024, and assumes total Xl Financial deposits of $20M+.

10. Xl Financial Invest Edge, by Xl Financial Advisory, LLC, an SEC-registered investment advisor. Registration with the SEC does not imply a certain level of skill or training. SEC registration does not mean the SEC has approved of the services of the investment adviser.  

11. Xl Financial Advisory, LLC (the “Firm”) is an investment management firm that offers a wrap fee program that allows small businesses to invest idle cash in relatively low-risk, short-term instruments. The performance discussed herein is historic and reflects an investment for a limited period of time. It should not be assumed that future investors would experience returns, if any, comparable to those illustrated herein. Past performance is not indicative of future returns. Investment results will fluctuate. Returns are not guaranteed. All investments are subject to the risk of loss, including the loss of principal. No representation is being made that an investment account has, will, or is likely to achieve profits or losses equal to the profits or losses shown. Actual returns will vary greatly and depend on personal and market conditions. Before investing, consider your financial goals and the costs of using the program.   

12. Furthermore, the information set forth has been obtained from sources that the Firm believes to be reliable; however, these sources cannot be guaranteed as to their accuracy or completeness. The information contained herein is not, and should not be construed as, an offer to sell or the solicitation of an offer to buy any securities. The information has been prepared solely for the purpose of determining your level of interest in Xl Financial Treasury and to provide general background information on such algorithmic investment program.   

13. This information contains certain “forward-looking statements,” which may be identified by the use of such words as “believe,” “expect,” “anticipate,” “should,” “planned,” “estimated,” “potential” and other similar terms. Examples of forward-looking statements include, but are not limited to, estimates with respect to financial condition, results of operations, and success or lack of success of the depicted investment strategy. All are subject to various factors, including, but not limited to general and local economic conditions, changing levels of competition within certain industries and markets, changes in interest rates, changes in legislation or regulation, and other economic, competitive, governmental, regulatory and technological factors affecting operations that could cause actual results to differ materially from projected results.   

14. Targeted returns (e.g., forward-looking statements of performance up to a stated return) reflects the returns that the Firm is seeking to achieve over a particular period of time. Projected returns reflect the Firm’s performance estimate – i.e., the returns that the Firm believes can be achieved using the advertised investment services. Target returns are presented to inform clients or potential clients about the Firm’s risk tolerances when managing the Xl Financial Invest Edge strategy and to provide information useful to a client or potential client when assessing how the Firm’s strategy fits within the investor’s overall portfolio. Target returns are not guarantees or promises of future return.   

15. Xl Financial Invest Edge is not insured by the FDIC. Xl Financial Invest Edge are not deposits or other obligations of our sponsor bank, and are not guaranteed by them. Xl Financial Invest Edge products are subject to investment risks, including possible loss of the principal invested.

16. To receive cash-back, your Xl Financial accounts must be open and in good standing, meaning they cannot be suspended, restricted, past due, or otherwise in default.

17. Deposits in Xl Financial checking and savings accounts are held by our partner bank TBD, Member FDIC.

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