A.T. Financial Group

What A.T. Financial Group does

A.T. Financial Group Inc. is a Canadian private insurance brokerage and financial services firm headquartered in Richmond Hill, Ontario, founded in 1990 and operating with 11–50 employees. The firm distributes insurance and wealth creation products to healthcare professionals (with a primary focus on dentists across all career stages — students, associates, practice owners, and retirees — and a secondary focus on physicians), as well as to corporations and individual consumers. Its product portfolio spans individual insurance (life, critical illness, disability, travel), corporate insurance (group benefits, Medical Benefits Trust, key-person coverage, business overhead expense), and registered wealth accounts (RESP, RDSP, TFSA, RRSP, RRIF, Insured Annuity). The firm earns revenue primarily through commissions from a network of 17+ insurance carrier partners (including Canada Life, Empire Life, Desjardins, Equitable Life, Manulife, BMO, RBC, Allianz, Blue Cross, Tugo, and others) on placed policies, with recurring revenue from policy renewals supplementing initial placement commissions.

The firm operates a sales-led and community-led go-to-market model. Direct sales is conducted through licensed financial advisors and independent agents recruited via a structured FSRA-licensed pathway with E&O insurance support and access to an Advisor Portal. Community-led growth is centered on the Dentistry Enlightenment Club (DEC) partnership, through which A.T. Financial Group hosts seminars and webinars at universities and symposiums targeting dental professionals. Co-branding with AWM Financial Services Inc. extends operational capacity and product breadth. The firm has no proprietary technology platform; its digital infrastructure consists of a basic advisor portal, online quote tools, and appointment booking forms.

The company's competitive positioning rests on vertical specialization in healthcare/dental professionals, multi-carrier shopping capability, and community-based lead generation rather than proprietary technology or scale advantages. Geographic operations are concentrated in Ontario, Canada, with no disclosed expansion outside the Canadian market. The firm maintains no disclosed funding rounds, M&A activity, or external investment, indicating organic growth funded through operating cash flow.

Name

A.T. Financial Group

Legal name

A.T. Financial Group Inc.

Website

https://atfinancialgroup.com

Company type

Private

Founded year

1990

Operating status

Operating

Headcount range

11–50 employees

Short description

A.T. Financial Group is a Canadian insurance brokerage and financial services firm, founded in 1990 and based in Richmond Hill, Ontario, that distributes life, disability, critical illness, travel, group, and wealth creation products to dentists, physicians, corporations, and individual consumers through licensed advisors and a network of 17+ carrier partners.

Ownership category

akta.pro rank

Product category

Insurance Brokerage and Financial Advisory

NAICS

Insurance Agencies and Brokerages (524210), Portfolio Management and Investment Advice (523940), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411), Investment Advice (6282)

akta.pro industry

PRIMARYFSAAACAI

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions)

Financial & Insurance/Asset & Wealth Management/Registered Investment Advisors (RIAs) & Independent Wealth Managers

SECONDARYFSAEAKAE

Trust & Estate Tax Planning & Compliance

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Fiduciary, Trust & Estate Advisory

SECONDARYFSAAABAF

Trust & Fiduciary Advisory for HNW/UHNW (Trust Structuring & Trustee Oversight)

Financial & Insurance/Asset & Wealth Management/Private Banking & HNW/UHNW Wealth Management

Keywords

• Insurance brokerage services
• Wealth creation planning
• Corporate group benefits
• Financial advisory services
• Travel insurance coverage

Headquarters

HQ city

Richmond Hill

HQ country

Canada

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Infrastructure

Revenue model

1. Insurance Brokerage Commissions: A.T. Financial Group acts as an insurance brokerage, earning commissions from multiple insurance carrier partners (including Canada Life, Empire Life, Equitable Life, Desjardins, Allianz, and others) on placed insurance policies for life, critical illness, disability, travel, and group/corporate insurance products. Commissions are earned on both new policy placements and renewals.

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

A.T. Financial Group Inc. operates as a Canadian insurance brokerage and financial advisory firm, placing life, critical illness, disability, travel, and group insurance policies on behalf of clients through a network of 17+ carrier partners including Canada Life, Empire Life, Desjardins, and Allianz. The firm complements its insurance brokerage with wealth creation products (RRSP, TFSA, RESP, RDSP, RRIF, Insured Annuity) and corporate solutions (Medical Benefits Trust, Individual Pension Plans, Group Benefits). It specializes in serving healthcare professionals—particularly dentists and physicians—at every career stage.

Product overview

A.T. Financial Group Inc. is a financial services brokerage offering a comprehensive portfolio of insurance and wealth creation products. The core offering centers on individual insurance products (Life, Critical Illness, Disability, Travel) and corporate insurance solutions (Group Benefits, Medical Benefits Trust), supplemented by specialized dental professional insurance. Their wealth creation division provides registered accounts (RESP, RDSP, TFSA, RRSP, RRIF) and Insured Annuity products. The company operates through an Advisor Portal platform and provides digital quote and appointment booking tools. They partner with multiple insurance carriers (including Canada Life, Manulife, Desjardins, Empire Life) to offer clients options across their product range.

Differentiator

Problem solved

Functional benefit

Products and services

• Life Insurance Financial protection product providing death benefits to cover final expenses, debts, and income replacement for families; can serve as collateral for lines of credit or tax-advantaged savings. Distributed through carrier partners including Canada Life, Empire Life, and others.
• Critical Illness Insurance Lump-sum, tax-free payment for up to 26 covered critical illnesses to cover loss of income, nursing care, or out-of-country medical treatment. Placed through multiple carrier partners.
• Disability Insurance Replaces monthly income when the policyholder cannot work due to accident or illness; customizable benefits and riders typically leveled to age 65. A 20% discount is available for dental professionals through Canada Life.
• Travel Insurance Coverage for travelers including Emergency Medical Plans (USA and Non-USA World Plans up to $10 million) and All-Inclusive Plans with trip cancellation, interruption, and 24/7 emergency assistance; serves visitors to Canada, Super Visa applicants, and international students.
• Group Insurance Employee benefit plans providing life, critical illness, and disability coverage for groups through employers.
• Insurance for Dentists Specialized insurance solutions for dental students, associate dentists, practice owners, and retiring dentists covering disability (with guaranteed future insurability), life, and critical illness needs.
• Medical Benefits Trust Employee benefit program combining Health & Welfare Trust (HWT) and Private Health Services Plan (PHSP) features for employer-employee benefit arrangements.
• Group Benefits Trust Trust-based group employee benefit program providing medical and health coverage for employees and their families.
• Corporate Insured Retirement Plans Corporate retirement planning solutions integrated with insurance products for business owners and corporations.
• Individual Pension Plans Pension planning solutions providing structured retirement income arrangements for individuals and corporate clients.
• Business Overhead Expense Insurance Coverage that pays for a business's daily operating expenses if the owner becomes unable to work due to disability.
• Key Person Critical Illness Insurance Coverage for sudden or temporary loss of a company's key person through company joint ownership arrangements, sharing costs and tax benefits with the company.
• Commercial Insurance Competitive commercial insurance products for dental and medical practices offered through the firm's strategic partner network.
• Registered Education Savings Plan (RESP) Tax-sheltered savings vehicle for a child's post-secondary education with federal government grants of 20% on contributions up to $2,500/year per beneficiary; lifetime maximum grant of $7,200.
• Registered Disability Savings Plan (RDSP) Long-term savings plan for beneficiaries eligible for the disability tax credit, with maximum lifetime contributions of $200,000 and tax-deferred growth.
• Tax-Free Savings Account (TFSA) Tax-free savings program allowing accumulation of savings with all withdrawals being tax-free; 2023 annual contribution limit of $6,500 per year.
• Registered Retirement Savings Plan (RRSP)

Quantifiable outcome

• A 20% discount on disability insurance is available for dental professionals through the Canada Life partnership.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

19 partnerships are on record, tiered core and supporting.

• Canada LifecoreChannel Partner/ Reseller/ DistributorCanada Life is a major Canadian insurance carrier partner. A.T. Financial Group places life, disability, critical illness, and group insurance products through Canada Life. A 20% discount on disability insurance for dental professionals is offered through this partnership.
• Empire LifecoreChannel Partner/ Reseller/ DistributorEmpire Life is a Canadian insurance carrier partner through which A.T. Financial Group offers insurance products including life, critical illness, and disability coverage.
• DesjardinscoreChannel Partner/ Reseller/ DistributorDesjardins is a major Canadian financial services cooperative and insurance provider that serves as a key carrier partner for A.T. Financial Group's insurance product offerings.
• Equitable LifecoreChannel Partner/ Reseller/ DistributorEquitable Life of Canada is an insurance carrier partner providing life and health insurance products distributed through A.T. Financial Group.
• ForesterssupportingChannel Partner/ Reseller/ DistributorForesters is a fraternal benefit society and insurance carrier partner for A.T. Financial Group's product offerings.
• BMOsupportingChannel Partner/ Reseller/ DistributorBMO (Bank of Montreal) is a financial institution partner whose insurance products are distributed through A.T. Financial Group.
• RBCsupportingChannel Partner/ Reseller/ DistributorRBC (Royal Bank of Canada) is a financial institution partner whose insurance products are distributed through A.T. Financial Group.
• ivarisupportingChannel Partner/ Reseller/ Distributorivari is a Canadian insurance carrier partner providing products through A.T. Financial Group's brokerage.
• Industrial AlliancesupportingChannel Partner/ Reseller/ DistributorIndustrial Alliance (iA Financial Group) is a Canadian insurance and wealth management company partner for A.T. Financial Group.
• Assumption LifesupportingChannel Partner/ Reseller/ DistributorAssumption Life is a Canadian life insurance carrier partner for A.T. Financial Group.
• AllianzsupportingChannel Partner/ Reseller/ DistributorAllianz is an international insurance provider that partners with A.T. Financial Group to serve Canadian clients, including travel insurance.
• Canada Protection PlansupportingChannel Partner/ Reseller/ DistributorCanada Protection Plan is a Canadian insurance carrier partner for A.T. Financial Group, specializing in no-medical and simplified issue life insurance products.
• SSQ FinancialsupportingChannel Partner/ Reseller/ DistributorSSQ Financial is a Canadian insurance and financial services company partner for A.T. Financial Group's product distribution.
• Blue CrosssupportingChannel Partner/ Reseller/ DistributorBlue Cross is a health and travel insurance provider partner for A.T. Financial Group, offering supplemental health and travel coverage.
• TravelancesupportingChannel Partner/ Reseller/ DistributorTravelance is a travel insurance specialist partner providing travel coverage distributed through A.T. Financial Group.
• Travel Underwriters (Tugo)supportingChannel Partner/ Reseller/ DistributorTravel Underwriters (operating as Tugo) is a travel insurance provider partner for A.T. Financial Group serving visitors to Canada, out-of-province travellers, and international students.
• GMS (Green Shield Canada)supportingChannel Partner/ Reseller/ DistributorGMS (Green Shield Canada) is a health and dental insurance provider partner for A.T. Financial Group's group benefits and travel insurance offerings.
• Dentistry Enlightenment Club (DEC)coreStrategic or Co-development PartnerA.T. Financial Group partners with the Dentistry Enlightenment Club (DEC) to co-host seminars, webinars, and events seasonally at universities and symposiums. DEC is a community platform for dental professionals. The firm leverages this partnership for community engagement, brand visibility, and lead generation among dental students and practicing dentists. Industry professionals from accounting, law, practice management, marketing, and banking are invited to speak at DEC events.
• AWM Financial Services Inc.coreStrategic or Co-development PartnerAWM Financial Services Inc. is a co-branding and operational partner of A.T. Financial Group Inc. The firm describes itself as operating 'in partnership with AWM Financial Services Inc.' to deliver financial guidance, services, and products spanning insurance, investment, and tax planning.

Recent moves6 records

Expansion highlights5 records

Market position

Weaknesses5 records

Competitive moat4 records

Customer concentration

• Facebookfacebook.com/atfinancialgroup
• LinkedInlinkedin.com/company/a-t-financial-group-inc

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about A.T. Financial Group