Frequently asked questions
Clear answers about our services, office and how to start a conversation.
Why choose A.T. Financial as your brokerage?
Care and ongoing review
We help you compare options that fit your needs, apply to appropriate providers and review your plan as your circumstances change. Our team shares information on financial planning, health, business development and marketing so you can bring informed questions to each conversation.
Accessible support
Contact us by phone or email to arrange a virtual or in-person meeting. Our team assists clients directly, including after-sales service and follow-ups. Ask your advisor about available contact methods and expected response times.
Coordinated planning
Claims, underwriting, financial planning, client relations, industry networking and investment expertise help connect your decisions in one place. As brokers, we compare relevant product features, premiums, costs and investment considerations across available providers, with your priorities and budget in mind.
As a dental student, why consider disability insurance if I have CDSPI coverage?
Review what your existing CDSPI or other student coverage includes before adding a policy. A modest amount of disability coverage during your school years may help you plan for future income protection as your career develops.
Some policies offer a future increase or insurability option that may allow additional coverage without new medical evidence. That depends on the rider, eligibility, financial evidence, timing and policy limits; it is not an unconditional guarantee of coverage for a particular income. Ask our team to compare your current protection and future increase options.
Do I need personal life insurance if I am covered at work?
Employer group life insurance is convenient, but it may fall short of your family’s needs. If your employment ends, your coverage may end or leave a gap between jobs. Check any continuation or conversion options in your group plan.
Consider whether the group benefit is enough for your spouse, other dependants, debts and future commitments. Our team can review your existing coverage with you and discuss whether personal insurance would help address a gap.
What should I consider before buying insurance?
Financial security means something different to each person. Start with the amount your family would need if something happened to you:
- Your current debts, including your mortgage.
- Expenses your family would pay after your death.
- Future needs such as childcare, education and ongoing income.
Then account for existing savings, coverage and other resources. Salary multiples can be a rough starting point, but a personal needs assessment is more useful than treating the same multiplier as a rule for every family. Once you understand the amount and purpose of coverage, compare providers and make sure you understand the policy options and terms.
Why might I need life insurance?
If you are your family’s primary wage earner, life insurance can help provide financial support after your death. If you are not the primary earner, your household may still face childcare costs, funeral expenses and other costs of replacing the support you provide.
A death benefit can help with:
- Unpaid medical bills.
- Income replacement for survivors.
- Final expenses, including burial costs.
- Unplanned or emergency expenses.
- Your mortgage balance.
- Future education funds for children.
Some life insurance products may also play a role in estate planning, tax-advantaged savings, retirement income or funding an estate’s tax liabilities. Those uses depend on the policy, its costs and your circumstances; discuss the details with the appropriate insurance, tax and legal professionals.
What does A.T. Financial Group help with?
A.T. Financial Group Inc., in partnership with AWM Financial Services Inc., brings insurance, investment and tax planning into a coordinated discussion. The website outlines wealth management, insurance, retirement, estate, tax and corporate planning. The specific service and provider depend on your needs.
Who does the team work with?
The website focuses on professionals, business owners and families, including dentists and other healthcare professionals. Your circumstances and goals guide the discussion rather than a standard package.
How do I book a discovery call?
Choose Book a Discovery Call to use Shaqeel Sarif’s 15-minute Calendly appointment calendar. The calendar displays automatically on our Contact page and opens directly from booking buttons. You can also call 905-707-1087 or email clientservices@atfg.ca to contact the office.
Where is the office?
Our office is at Unit 206–208, 9140 Leslie Street, Richmond Hill, Ontario, L4B 0A9. Contact the office before visiting to arrange your meeting.
Where can I read about insurance, savings and corporate planning?
The Resources page links to local guides on insurance, wealth creation and corporate planning. These explain options and questions to discuss with an advisor; they are general information rather than individualized advice.
How does the booking calendar load?
Calendly displays automatically on the Contact page. On other pages it loads when you open Book a Discovery Call. Calendly has its own privacy practices and cookie controls. You can also contact our office by phone or email.
What is the Contract Analyzer?
It is an access-code-protected private test for fictional or fully anonymized English Ontario dental associate agreements. It uses AI to identify questions for further review. It is not legal advice and does not replace review by an Ontario lawyer. Actual client contracts must not be submitted to the beta.