Licensing, regulatory and compensation information for Imperial Wealth Solutions Ltd. and Navjot Singh.
Insurance Licensing
Navjot Singh is an individually licensed Life and Accident & Sickness insurance agent in the Province of Ontario, licensed by the Financial Services Regulatory Authority of Ontario (FSRA), Licence No. 22200567.
Navjot Singh is an independent agent contracted with World Financial Group Insurance Agency of Canada Inc. (WFGIAC), which offers life insurance and segregated funds. Insurance and segregated fund products are issued by the insurance companies that underwrite them and are subject to the terms and conditions of each contract.
About Imperial Wealth Solutions Ltd.
Imperial Wealth Solutions Ltd. is an Ontario corporation used as a business and marketing name. Imperial Wealth Solutions Ltd. is not a licensed insurance agency and does not hold a corporate agency licence with FSRA. All insurance and segregated fund products are offered by Navjot Singh in his individual capacity as a licensed agent, and clients deal directly with him for those products.
You can verify any insurance agent’s licence using FSRA’s public licence search at www.fsrao.ca.
Securities and Mutual Funds
Navjot Singh is not registered to sell mutual funds or other securities, and no securities are offered through this website.
Real Estate
Navjot Singh, Real Estate Salesperson, is registered with the Real Estate Council of Ontario (RECO), Registration No. 5022731, and trades in real estate on behalf of Property.ca Inc., Brokerage.
All real estate services are provided through Property.ca Inc., Brokerage. Imperial Wealth Solutions Ltd. is not a real estate brokerage. Real estate services are separate from, and are not offered through, World Financial Group Insurance Agency of Canada Inc.
You can confirm the registration of any real estate agent or brokerage on RECO’s public register at www.reco.on.ca.
Mortgage Referrals
Navjot Singh and Imperial Wealth Solutions Ltd. are not licensed to deal or trade in mortgages and do not arrange, negotiate or provide advice on mortgages.
Where a client is interested in mortgage financing, we may refer them to an independent mortgage brokerage, broker or agent licensed by FSRA. Any mortgage advice, application or arrangement is provided solely by that licensee, who is responsible for it. Before any referral is made, you will be told in writing who you are being referred to, the nature of our relationship with them, and whether we may receive a referral fee or other benefit. You are under no obligation to use any professional we refer you to.
Products and Services
- Life insurance (term, whole life and universal life)
- Critical illness and disability insurance
- Segregated fund contracts and annuities
- Retirement, education (RESP) and wealth-transfer planning discussions
- Insurance-based planning for business owners and corporations
- Residential real estate services, through Property.ca Inc., Brokerage
- Referrals to independent, FSRA-licensed mortgage professionals
Not every product is suitable for every person. Recommendations are based on a review of your needs, financial situation, objectives and risk tolerance.
Compensation and Conflicts of Interest
For insurance and segregated fund products, Navjot Singh is generally compensated by commissions paid by the issuing insurance companies. Depending on the product and arrangement, compensation may also include renewal or trailing commissions, bonuses, and override compensation on business written by agents he supervises or mentors. Some insurers may also provide non-monetary benefits such as training or conference attendance, in accordance with industry rules.
For real estate services, compensation is paid through Property.ca Inc., Brokerage, as set out in your written agreement with the brokerage. For mortgage referrals, any referral fee will be disclosed to you in writing before the referral.
Because compensation can differ between products, insurers and services, a potential conflict of interest exists. Our practice is to identify and disclose these conflicts and to place your interests first. You may ask at any time how Navjot Singh is paid on a product or service recommended to you. World Financial Group also publishes a Canada Conflict of Interest Disclosure at worldfinancialgroup.com.
Consumer Protection
Assuris
Life insurance and segregated fund contracts issued by Assuris member companies are protected by Assuris, a not-for-profit organization that protects Canadian policyholders if their life insurance company fails. Current protection levels are:
| Benefit | Assuris protection (whichever is higher) |
|---|---|
| Death benefit | $1,000,000 or 90% of the promised benefit |
| Cash values and segregated fund guarantees | $100,000 or 90% |
| Monthly income (e.g. annuities, disability) | $5,000 per month or 90% |
| Health expenses | $250,000 or 90% |
Assuris protection applies only if an insurer becomes insolvent; it does not protect against market losses. Segregated funds are not protected by the Canada Deposit Insurance Corporation (CDIC). Details are available at www.assuris.ca.
Segregated Funds
Any amount allocated to a segregated fund is invested at the risk of the contract holder and may increase or decrease in value. Maturity and death benefit guarantees apply only as described in the contract and are reduced proportionally by withdrawals. Please read the Information Folder and Fund Facts before investing. Past performance does not guarantee future results.
Complaints
If you have a concern, we want to hear about it. Please start by contacting Navjot Singh directly using the details below. You may also contact:
Insurance and segregated funds
- World Financial Group Insurance Agency of Canada Inc. — Complaint Handling page at worldfinancialgroup.com, or 416-225-2121.
- The insurance company that issued your policy, through its complaints or ombudsman office.
- OmbudService for Life & Health Insurance (OLHI) — free, independent dispute resolution: www.olhi.ca.
- FSRA — 25 Sheppard Avenue West, Suite 100, Toronto, ON M2N 6S6 · 416-250-7250 · Toll-free 1-800-668-0128 · www.fsrao.ca
Real estate
- Property.ca Inc., Brokerage — through the brokerage’s Broker of Record.
- Real Estate Council of Ontario (RECO) — www.reco.on.ca
Mortgages
- Complaints about mortgage services should be directed to the licensed mortgage brokerage that provided them and, if unresolved, to FSRA.
Privacy
Personal information you provide is collected, used and disclosed only to assess your needs, provide the products and services you request, and meet legal and regulatory obligations. It is shared with insurers, World Financial Group, Property.ca Inc., Brokerage, or a referred mortgage professional only as required to provide the service you request, with your consent, or as required by law. Personal information is handled in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA). Please see our Privacy Policy for details.
General Disclaimer
The content on this website is provided for general educational and informational purposes only. It is not financial, investment, tax, legal, accounting or mortgage advice and should not be relied on as such. Information may not apply to your circumstances and may change without notice. Please consult a qualified professional before acting on any information found here.
Examples and illustrations are hypothetical and are not guarantees of future results. Insurance coverage is subject to underwriting approval and the terms, conditions, limitations and exclusions of each policy.
This website may contain links to third-party websites. We are not responsible for the content, accuracy or privacy practices of those sites.
World Financial Group is a registered trademark of Transamerica Corporation. Imperial Wealth Solutions Ltd. is independently owned and operated.
Contact
Navjot Singh
Imperial Wealth Solutions Ltd.
Phone: 647-321-8468
Email: info@imperialwealthsolutions.com
Last updated: October 2026
