Protect Your Family, Your Income & Your Legacy

At Mangat Wealth, we help you manage life’s risks with strategic insurance solutions designed to protect the lifestyle you’ve worked hard to build.

Your life, your family, and your future deserve a personalized insurance plan - not one-size-fits-all coverage.

📅 Book a Free Insurance Planning Session

Insurance Is the Foundation of a Strong Financial Plan

Our Core Insurance Solutions

Life Insurance

Protect your family from financial hardship with coverage tailored to your needs; whether it’s income replacement, debt coverage, or legacy protection.

We offer:

  • Term Life Insurance

  • Permanent Life Insurance

  • Term-to-Perm Conversion Strategies

  • Insurance for Business Owners

  • Estate Transfer Planning

Critical Illness Insurance

Receive a lump-sum, tax-free payout if you’re diagnosed with a covered illness, helping you focus on recovery; not finances.

Disability Insurance

Your ability to earn an income is your most valuable asset. Disability insurance provides steady monthly income if you’re unable to work due to illness or injury — so you can maintain your lifestyle and stay on track financially.

Ideal for:

  • Professionals

  • Business owners

  • Self-employed individuals

  • High-income earners

Business Insurance

Business owners face unique risks. Insurance protects your company, employees, and long-term plans.

Solutions include:

  • Key Person Insurance

  • Buy-Sell Agreement Funding

  • Shareholder Protection

  • Corporate Estate Planning

  • Tax-Efficient Wealth Transfer

Estate Protection - Protect Your Home, Business & Investments

Estate planning is more than distributing assets; it’s ensuring your wealth is protected and transferred efficiently.

Insurance can help you:

  • Pay estate taxes

  • Protect real estate and business shares

  • Leave tax-free money to loved ones

  • Equalize inheritances

  • Support charitable goals

  • Preserve family wealth for future generations

For many Canadians, permanent life insurance is one of the most effective tools for estate planning.

Guaranteed Income (Annuities)

Build a retirement income stream you can’t outlive; bringing certainty to your long-term planning.

Benefits of annuities:

  • Guaranteed income

  • Protection against market volatility

  • No investment management required

  • Peace of mind during retirement

Our Process: Simple, Strategic, Personalized

Life Milestones That Deserve an Insurance Review

  • New Home or Mortgage

  • Growing Family

  • Business Ownership

  • Career Change

  • Retirement Planning

  • Estate & Legacy Planning

  • We assess your current coverage and financial situation.

  • You receive a tailored insurance plan that fits your goals.

  • We help you choose the right products and manage the application process.

  • Coverage evolves with your life - we update plans as needed.

💬 Ask Us a Question
⏳ Only 5 days left to: • Lock in the 2025 CESG • Avoid losing thousands in long-term growth • Make sure your RESP is structured correctly, not just opened Dec 31 is the deadline to secure the 2025 CESG. Delay costs more than you think
Your time is your most expensive investment; yet it’s the one people trade away the fastest. Somewhere along the way, “doing it all” became a badge of honour; even when the cost was evenings, weekends, and peace of mind. But the t
Grateful for the opportunity to host our clients in a private theatre for an exclusive movie experience! Beyond portfolios and planning, wealth management is about trust, meaningful conversations, and long-term relationships. Thank you to our clien
A RESP isn’t just about saving for school; it’s about timing, structure, and using government incentives correctly so your child has options when the time comes. This is one of the most common conversations I have with parents who thoug
Time is the one thing money can’t buy; but it’s the best thing money can have. The financial habits you build in your 20s and 30s often determine how much flexibility you have in your 50s and beyond. You can’t rewind the clock, bu
Grateful for the opportunity to return to MRU through the Alumni Classroom Takeover program and speak with students about my career in financial planning. There’s something powerful about sharing real experiences: the wins, the lessons, and th
RRSP withdrawals, OAS clawbacks, pension choices. Most people guess. 📝High-net-worth Canadians plan. If you want to retire with less tax and more control, it starts with strategy, not chance.♟️

Frequently Asked Questions - Insurance Simplified

  • How much coverage do I need?

    That depends on income, debt, family situation, and goals.

    Most families need 10-15x annual income.

  • Are insurance payouts taxable?

    Life insurance payouts to beneficiaries in Canada are typically tax-free.

  • Where are you licensed to provide insurance and financial advice?

    Alberta & British Columbia - with many of our clients residing in Calgary, Edmonton, St. Albert, Red Deer, Vancouver, Surrey, Richmond, Prince George

  • What’s the difference between term and permanent life insurance?

    Term Life provides affordable coverage for a set period (e.g., 10–30 years).
    Permanent Life provides lifelong coverage with potential cash value.
    We help you determine which type aligns with your goals and budget.

  • Is critical illness insurance worth it?

    Yes. Critical illness insurance offers a tax-free lump-sum payment if you’re diagnosed with a covered condition. This money can help with medical costs, recovery time, or replacing lost income.

  • Can I have multiple insurance policies?

    Yes. Many people combine employer-provided benefits with personal coverage. Layering policies ensures you’re fully protected if one plan has gaps.

  • How do I know if my current policy is still right for me?

    If it has been more than a year - or your life circumstances have changed; it’s worth reviewing. We can assess whether your current coverage still aligns with your goals.

⏳ Only 5 days left to: • Lock in the 2025 CESG • Avoid losing thousands in long-term growth • Make sure your RESP is structured correctly, not just opened Dec 31 is the deadline to secure the 2025 CESG. Delay costs more than you think
Your time is your most expensive investment; yet it’s the one people trade away the fastest. Somewhere along the way, “doing it all” became a badge of honour; even when the cost was evenings, weekends, and peace of mind. But the t
Grateful for the opportunity to host our clients in a private theatre for an exclusive movie experience! Beyond portfolios and planning, wealth management is about trust, meaningful conversations, and long-term relationships. Thank you to our clien
A RESP isn’t just about saving for school; it’s about timing, structure, and using government incentives correctly so your child has options when the time comes. This is one of the most common conversations I have with parents who thoug
Time is the one thing money can’t buy; but it’s the best thing money can have. The financial habits you build in your 20s and 30s often determine how much flexibility you have in your 50s and beyond. You can’t rewind the clock, bu
Grateful for the opportunity to return to MRU through the Alumni Classroom Takeover program and speak with students about my career in financial planning. There’s something powerful about sharing real experiences: the wins, the lessons, and th
RRSP withdrawals, OAS clawbacks, pension choices. Most people guess. 📝High-net-worth Canadians plan. If you want to retire with less tax and more control, it starts with strategy, not chance.♟️