You’ve spent a lifetime building your wealth—growing a business, investing wisely, providing for your family. But what happens if life throws a curveball? At Afshar & Machaalani Group Private Wealth Management, we specialize in high-net-worth insurance strategies that do more than protect—they preserve.
Whether you’re safeguarding an estate, ensuring business continuity, or planning for future generations, our approach to insurance planning is detailed, disciplined, and always personal. We work with affluent families, professionals, and business owners to ensure the wealth you’ve built can withstand whatever comes next.
Life insurance families can depend on
Life insurance isn’t just about covering funeral costs or paying off the mortgage. It’s about peace of mind—the kind that lets you rest easy knowing your family, business, and legacy are protected. Our life insurance strategies are integrated with your tax and estate plans to maximize impact and minimize erosion.
Whether you’re funding a buy-sell agreement, equalizing an inheritance, or preserving your estate’s liquidity, we ensure your life insurance plan works where it matters most—protecting what you’ve built for the people who matter most.
Critical illness insurance professionals can trust
Cancer, stroke, heart attack—none of us see them coming, but they can derail everything. With critical illness insurance, you receive a tax-free lump sum that provides financial breathing room during the most challenging times. Cover household expenses or step back from work to focus on recovery.
Our critical illness insurance solutions in Edmonton and beyond help protect your lifestyle when your health is under threat, giving you flexibility and financial support at a time you need it most.
Disability insurance entrepreneurs count on
Your income is the engine behind your lifestyle. Without it, everything else is at risk. Disability insurance provides income replacement if you’re unable to work due to illness or injury—and for business owners, it’s especially critical.
We design disability insurance Edmonton professionals and business owners can rely on, helping maintain your cash flow, protect your business obligations, and keep your family financially secure. It’s not just about protection—it’s about continuity.
Insurance planning that fits your bigger picture
Insurance planning is about asking the right questions:
- What would happen if I couldn’t work for six months—or ever again?
- How would my family manage without my income?
- Could my business survive without me?
- Would my estate face a tax bill that forces the sale of assets?
We create protection strategies that fit seamlessly into your overall financial plan. Whether it’s building liquidity for estate tax, funding a retirement plan, or preparing for a business transition, your insurance plan is designed to support every other piece of your financial life.
Preserving estates with insurance
For high-net-worth families, insurance is one of the most efficient tools available for estate preservation. Rather than liquidating property or selling assets to cover final expenses, insurance creates instant liquidity—ensuring your heirs receive what you intended, without unnecessary tax drag or emotional strain.
We help structure insurance plans that integrate with trusts, wills, and legacy strategies—providing clarity, security, and long-term protection for your family’s future.
Long-term partnership
Your life is unique, and your insurance planning should be too. We take the time to understand your priorities—family, business, philanthropy—and build a plan that reflects them all.
Whether we’re reviewing outdated coverage, exploring annuities, or coordinating with your tax and legal advisors, our job is to ensure your plan grows with you, protects you, and empowers you.