Chairman of Advisory Board
Dr. Manjinder Singh
Dr. Manjinder Singh, CFP, CLU, CHS, is the President and Founder of Wage Guard. With over two decades of experience in wealth management and insurance, he is a distinguished leader in Canada's financial services industry. Prior to founding Wage Guard, he established one of the country's leading independent managing general agencies. Guided by integrity, innovation, and a client-first philosophy, Dr. Singh is dedicated to delivering trusted insurance solutions that help Canadians protect their financial future.
Chief Distribution Officer
Dr. Summit Mutti
Dr. Sumit Mutti is the Chief Executive Officer and Chief Distribution Officer at Wage Guard. A forward-thinking leader, he combines strategic vision with a passion for innovation to expand access to modern income protection solutions across Canada. Committed to excellence, collaboration, and advisor success, Dr. Mutti is dedicated to helping Canadians build greater financial security.
National Director, Individual Insurance
Central And Western Canada
Alex Mustafa
Alex Mustafa is the National Director of Individual Insurance (Central & Western Canada) at Humania Assurance. As an experienced sales executive and growth strategist, he drives strategic partnerships and oversees sales operations across Canadian markets. He currently assists Wage Guard, a joint digital innovation backed by Max Financial and underwritten by Humania Assurance, focusing on scaling business development and providing collaborative leadership to simplify insurance solutions for advisors and clients.
Vice President of Compliance,
Innovation & Channel Strategy
Khalid Nazir
Khalid Nazir is Vice President of Compliance, Innovation, and Channel Strategy at Wage Guard. He brings deep expertise in anti–money laundering (AML), financial compliance, risk management, and governance. Prior to this role, he held senior leadership positions in financial compliance and risk management. An ACAMS member, he combines regulatory expertise with leadership in technology and innovation.
Director of Business Development
Sandeep Saluja
Sandeep Saluja serves as the Director of Business Development, specializing in strategic sales management, comprehensive insurance planning, and market expansion.Operating across the Greater Toronto Area, he drives new business development and establishes high-value strategic partnerships.Through a results-driven approach, Sandeep empowers professionals and helps clients navigate risk to build robust, long-term wealth portfolios.He remains deeply committed to expanding market footprints through strong relationship building, transparency, and high-impact growth solutions.
Sales Representative
Ontario, Manitoba
Simon Ioia
Simon Ioia is the Regional Sales Director for Individual Life and Living Benefits (Ontario & Manitoba) at Humania Assurance. An experienced sales leader, he acts as the primary business development partner for independent advisors, offering dedicated regional support for Wage Guard, a collaborative solution by Max Financial and underwritten by Humania Assurance. He specializes in advisor development and strategic sales to help partners effectively grow their business.
