LICENSING & DISCLOSUREATLAS FINANCIAL PROTECTION GROUP
Effective Date: June 1, 2026Last Updated: June 1, 2026
This Licensing & Disclosure page provides public disclosure regarding Atlas Financial Protection Group (“Atlas,” “we,” “us,” or “our”), the use of the title “Financial Protection Advisor,” insurance licensing, agency relationships, professional coordination boundaries, compensation, conflicts of interest, jurisdictional limitations, and the scope of information made available through atlasfpg.com and related webpages, forms, booking pages, recruiting pages, communications, and digital materials.
This Licensing & Disclosure page should be read together with the Atlas Privacy Policy, Terms of Use, Cookie Notice, and any applicable client engagement agreement, privacy consent, information authorization, insurance application, agency disclosure, insurer form, professional engagement letter, or transaction-specific document that may apply to a specific matter.
This page is intended for public website disclosure purposes. It does not replace any mandatory insurer, agency, regulatory, supervisory, underwriting, replacement, delivery, financial needs analysis, product disclosure, professional engagement, or policy documentation required in connection with a specific insurance transaction, professional review, or client matter.
1. OPERATING NAME AND PUBLIC POSITIONING
Atlas Financial Protection Group is used as an operating brand, public-facing platform name, website name, and service identity for a financial protection advisory process focused on structured financial protection review, insurance-related planning, income-risk review, family protection, business-owner protection, existing coverage review, financial exposure education, and coordination of professional review where required.
Atlas is not an insurance company, bank, trust company, securities dealer, investment dealer, mutual fund dealer, portfolio manager, law firm, accounting firm, tax firm, mortgage brokerage, public accounting practice, trust company, or estate law practice.
Atlas does not issue insurance policies, underwrite insurance risks, approve insurance applications, determine final premiums, manage investment portfolios, provide legal opinions, prepare tax filings, provide audit services, provide mortgage brokerage services, or provide regulated professional services except through appropriately licensed, authorized, contracted, or qualified channels where required.
2. ADVISOR ROLE
The public role “Financial Protection Advisor” is used to describe a protection-focused advisory role. The role is intended to identify a process that reviews financial exposure before product decisions are made.
The Financial Protection Advisor role may include, depending on the circumstances and applicable licensing authority:
(a) financial protection review;(b) income-risk exposure review;(c) family protection review;(d) debt and mortgage exposure review from a protection perspective;(e) existing insurance and benefits review;(f) life insurance needs discussion;(g) accident and sickness insurance discussion;(h) disability and critical illness protection discussion;(i) business-owner protection review;(j) insurance-based implementation where suitable and permitted;(k) professional coordination where specialized input is required;(l) documentation of review findings, client instructions, protection priorities, and next steps.
The Financial Protection Advisor role is not intended to represent that Atlas or any individual associated with Atlas is acting as a lawyer, accountant, tax advisor, securities advisor, portfolio manager, mortgage broker, financial planner, estate lawyer, trust officer, corporate lawyer, or holder of any professional designation not expressly disclosed in writing.
3. INSURANCE LICENSING DISCLOSURE
Where insurance-related services are discussed, reviewed, recommended, applied for, placed, serviced, or otherwise handled, such activities are subject to applicable insurance licensing, agency, insurer, jurisdictional, suitability, underwriting, disclosure, and compliance requirements.
Oleksii Tymoshenko operates as a Financial Protection Advisor and is licensed in British Columbia as a life and accident & sickness insurance agent.
Insurance-related services are provided only within the scope of applicable licensing authority and only in jurisdictions where the advisor, agency, insurer, or applicable provider channel is properly licensed, authorized, contracted, and permitted to act.
Insurance activities may include review, discussion, recommendation, quoting, application support, underwriting coordination, policy delivery support, servicing support, replacement discussion, beneficiary review, ownership review, and related insurance documentation where permitted by applicable licensing and agency requirements.
No insurance coverage is effective unless and until all applicable insurer, agency, underwriting, premium, delivery, policy, and contractual requirements have been satisfied and the insurer confirms coverage in accordance with the applicable policy terms.
4. AGENCY RELATIONSHIP
Where insurance solutions are appropriate, insurance business may be conducted through World Financial Group Insurance Agency of Canada Inc. (“WFGIA”), where applicable.
WFGIA is not a party to every website interaction, booking request, inquiry, educational communication, professional coordination discussion, or general Atlas website visit. Where a matter proceeds into an insurance-related process, WFGIA, insurers, underwriters, supervisors, compliance personnel, or other authorized agency or insurer representatives may become involved where required by applicable insurance, agency, supervisory, compliance, or product processes.
The list of insurers, carriers, products, providers, or solutions available through an advisor or agency relationship may change from time to time based on licensing, contracting, product access, underwriting rules, jurisdiction, insurer availability, agency relationships, suitability, compliance requirements, and market conditions.
No statement on the Website should be interpreted as a guarantee that any specific insurer, carrier, provider, product, quote, policy, rider, investment option, segregated fund contract, annuity, underwriting class, premium, guarantee, or policy term will be available or suitable for a particular person.
5. INSURERS, CARRIERS, AND THIRD-PARTY COMPANIES
The Website may identify or refer to insurers, carriers, financial institutions, agencies, service providers, professional firms, public companies, regulators, or other third parties for informational, identification, contextual, or relationship purposes.
Company names, trademarks, logos, and brand identifiers remain the property of their respective owners.
Unless expressly stated in writing, reference to a third-party company does not imply endorsement, sponsorship, affiliation, ownership, approval, guarantee, recommendation, partnership, or responsibility by or for that company.
Availability of any product or service may vary by licensing, contracting, jurisdiction, product access, underwriting, suitability, professional requirements, agency relationships, provider rules, and market conditions.
6. WFG, TRANSAMERICA, AND AEGON REFERENCES
Where the Website refers to World Financial Group, Transamerica, Aegon, or related corporate relationships, such references are provided for general context and identification purposes only.
Each entity is responsible for its own contractual obligations, products, services, licensing, financial condition, operations, disclosures, underwriting, policy terms, and regulatory obligations.
Institutional scale, corporate history, agency affiliation, carrier access, or platform relationship does not replace client-specific suitability review, underwriting, policy terms, professional advice, disclosure requirements, documentation requirements, or applicable regulatory obligations.
No User should rely on corporate affiliation, market scale, or institutional history as a substitute for reviewing the actual product, policy, insurer, professional recommendation, suitability factors, fees, risks, limitations, exclusions, and documentation applicable to the User’s own circumstances.
7. SCOPE OF SERVICES
Atlas’s public service architecture is centered on financial protection review and related coordination. Depending on the circumstances, the review process may include one or more of the following:
(a) Financial Protection Review;(b) Protection Strategy Session;(c) insurance needs discussion;(d) income continuity review;(e) family protection review;(f) business-owner protection review;(g) existing coverage and benefits review;(h) mortgage and debt protection review;(i) critical illness and disability exposure discussion;(j) insurance implementation support where suitable and permitted;(k) professional coordination where required;(l) documentation of review findings and next steps.
The scope of any specific client matter will depend on the client’s circumstances, information provided, jurisdiction, licensing, applicable law, agency requirements, insurer requirements, product availability, professional involvement, suitability, underwriting, and any signed engagement or transaction-specific documents.
Atlas may decline, limit, defer, refer, route, or discontinue any inquiry, review, service request, professional coordination request, recruiting inquiry, or communication where appropriate.
8. PROFESSIONAL COORDINATION BOUNDARY
Certain matters may require specialized review by appropriately qualified professionals. These may include tax, legal, accounting, estate, securities, mortgage, corporate, trust, financial planning, or other regulated or specialized matters.
Atlas may identify such matters, organize information, prepare materials, coordinate communication, introduce qualified professionals, or integrate professional input into a broader review process. However, Atlas does not directly provide regulated professional advice outside its applicable licensing authority.
Where professional coordination occurs, each professional is responsible for services within that professional’s own engagement, qualifications, licensing, registration, scope, standards, professional obligations, and fees.
No professional-client relationship with an external professional is created merely by visiting the Website, reading Website Content, submitting a form, booking a call, or communicating with Atlas.
A professional engagement begins only when the applicable professional accepts the matter and the required engagement terms, conflict checks, documentation, and professional requirements are satisfied.
9. TAX, LEGAL, ACCOUNTING, ESTATE, SECURITIES, MORTGAGE, AND FINANCIAL PLANNING MATTERS
Atlas does not provide tax advice, legal advice, accounting advice, estate law advice, securities advice, portfolio management, mortgage brokerage advice, corporate legal advice, trust advice, or comprehensive financial planning advice unless such matter is provided through appropriately licensed, registered, authorized, or qualified professionals where required.
Website Content may discuss general concepts connected to financial protection, registered accounts, insurance, savings discipline, compounding, business-owner protection, estate liquidity, debt exposure, income continuity, and professional coordination. Such Content is general and educational only.
Any tax, legal, accounting, estate, securities, investment, mortgage, corporate, trust, or broader financial planning decision should be reviewed by the appropriate qualified professional before implementation.
Atlas may coordinate such review where appropriate, but coordination is not a substitute for advice from the professional responsible for the applicable regulated or specialized field.
10. FINANCIAL PLANNER AND FINANCIAL ADVISOR TITLE DISCLOSURE
Atlas uses the title “Financial Protection Advisor” to describe a protection-focused role. This title is not intended to represent that Atlas or any individual associated with Atlas is using the protected title “Financial Planner” or “Financial Advisor” in any jurisdiction where those titles are restricted, credentialed, protected, regulated, or subject to approval.
Unless expressly disclosed in writing, Atlas does not represent that any person associated with Atlas holds the title Financial Planner, Financial Advisor, CFP professional, QAFP professional, portfolio manager, securities advisor, investment advisor, mortgage broker, lawyer, accountant, CPA, tax professional, estate lawyer, or other professional designation.
Where a matter requires a protected title holder, designated professional, registered professional, licensed professional, or qualified specialist, such matter may be routed or coordinated through the appropriate professional where required.
11. COMPENSATION DISCLOSURE
Where a client purchases an insurance product through the advisor, compensation may be paid by the insurer through WFGIA or the applicable insurance agency channel and may then be remitted to the advisor according to applicable agency compensation arrangements.
Insurance compensation may include commissions, renewal compensation, servicing compensation, bonuses, overrides, production-based compensation, persistency-related compensation, or other compensation permitted under applicable insurer, agency, regulatory, and contractual arrangements.
Compensation may vary by insurer, product type, premium amount, policy duration, product design, placement channel, agency arrangement, and other factors.
The existence of compensation does not determine suitability. Any insurance-related recommendation should be based on the client’s needs, circumstances, suitability factors, information provided, affordability, underwriting, product features, policy terms, and applicable documentation.
Where additional fees, professional fees, review fees, coordination fees, referral fees, or other charges apply, such fees should be disclosed separately where required or agreed before the applicable service proceeds.
12. CONFLICTS OF INTEREST
Actual, potential, or perceived conflicts of interest may arise in financial protection review, insurance recommendations, product access, agency relationships, compensation arrangements, professional coordination, referrals, business relationships, recruiting activity, or other service processes.
Atlas seeks to identify, manage, disclose, avoid, or address conflicts of interest where required and appropriate.
Examples of potential conflicts may include:
(a) compensation paid by insurers or agencies;(b) differences in compensation between products or providers;(c) limited product access based on licensing, contracting, or agency relationships;(d) professional referral relationships;(e) business relationships with service providers;(f) client referrals;(g) recruiting or business opportunity discussions;(h) personal, family, business, or financial relationships that may affect a recommendation or process.
Where a conflict is material to a client matter, it should be disclosed or addressed in accordance with applicable law, agency requirements, insurer requirements, professional standards, and client documentation.
13. PRODUCT SUITABILITY AND UNDERWRITING
Insurance products and insurance-based solutions are not suitable for every person. Suitability depends on the client’s needs, objectives, income, budget, family situation, debt, business circumstances, existing coverage, health, underwriting factors, time horizon, risk tolerance where applicable, affordability, jurisdiction, professional input, product features, policy terms, limitations, exclusions, and other relevant factors.
No Website Content should be interpreted as confirming that a product, insurer, policy, rider, strategy, premium, coverage amount, guarantee, segregated fund contract, annuity, or insurance-based solution is suitable for any particular person.
Underwriting decisions are made by insurers according to their own underwriting rules, requirements, risk assessment, product rules, and approval processes. Atlas does not control final underwriting decisions, insurability determinations, premium ratings, exclusions, approval outcomes, or policy issue decisions.
14. REPLACEMENT OF EXISTING INSURANCE
Replacement, surrender, cancellation, reduction, lapse, transfer, or modification of existing insurance coverage may have significant consequences.
Such consequences may include loss of benefits, loss of guarantees, new underwriting requirements, higher premiums, exclusions, waiting periods, tax consequences, surrender charges, loss of grandfathered provisions, changes to beneficiaries, reduced coverage, or inability to obtain replacement coverage.
No User should cancel, replace, surrender, reduce, lapse, or materially modify existing insurance coverage based solely on Website Content.
Any replacement discussion must be handled through the applicable insurance review process, required forms, regulatory requirements, insurer requirements, agency requirements, client documentation, and suitability review.
15. REGISTERED ACCOUNTS, INVESTMENTS, AND SECURITIES BOUNDARY
The Website may include general education concerning registered accounts, savings discipline, compounding, tax-efficient structure, financial exposure, investment concepts, private-banking access gaps, and related financial structure topics.
Registered accounts, including TFSA, RRSP, RESP, FHSA, RRIF, and similar accounts, are account structures and not guaranteed-return products.
Atlas does not provide securities advice, portfolio recommendations, investment dealer services, mutual fund dealer services, discretionary portfolio management, or securities trading services unless such matter is handled through appropriately licensed, registered, or authorized channels where required.
Any investment or securities-related implementation must be reviewed through the appropriate licensed or registered professional channel where required.
16. ILLUSTRATIONS, GROWTH ASSUMPTIONS, AND EXAMPLES
The Website may include examples, illustrations, calculators, projections, assumptions, charts, scenarios, comparisons, or educational figures.
Such materials are provided for general illustration purposes only. They are not guarantees, expected returns, product recommendations, underwriting approvals, investment recommendations, tax advice, legal advice, accounting advice, financial planning advice, or promises of future performance.
Actual results may vary based on market performance, fees, taxation, product terms, contribution timing, withdrawals, inflation, policy charges, insurance costs, underwriting, interest rates, risk level, client circumstances, and professional advice.
Where a growth illustration is shown, it should be treated as hypothetical unless expressly stated otherwise. No illustrated rate of return should be interpreted as guaranteed, expected, safe, or available to all users.
17. RECRUITING, LICENSING, AND BUSINESS OPPORTUNITY DISCLOSURE
The Website may include information for individuals interested in learning about licensing, training, financial education, business-building, or a financial services opportunity.
Recruiting or opportunity information is general only and does not guarantee acceptance, licensing approval, contracting approval, product access, income, success, client acquisition, promotion, team development, or business results.
Licensing is required before providing regulated advice, selling insurance, soliciting insurance business, or conducting other regulated activities where required.
Any recruiting, onboarding, licensing, compensation, training, product access, agency relationship, business activity, or field activity is subject to applicable WFGIA/WFGS, insurer, provincial, securities, agency, regulatory, compliance, and contractual requirements.
Earnings are not guaranteed and vary by individual effort, licensing, activity, client base, team development, market conditions, compliance status, and other factors.
18. JURISDICTIONAL LIMITATIONS
The Website may be accessible from jurisdictions in which Atlas, the advisor, WFGIA, insurers, professionals, or other providers are not licensed, registered, contracted, authorized, or permitted to provide regulated services.
Access to the Website does not mean that any regulated service is available in the User’s jurisdiction.
Insurance, securities, investment, tax, legal, accounting, mortgage, estate, corporate, trust, and financial planning services are jurisdiction-specific. Availability depends on licensing, registration, authorization, qualification, product access, provider approval, professional requirements, and applicable law.
Atlas does not provide regulated services in any jurisdiction unless such service is provided through appropriately licensed, registered, authorized, qualified, or permitted channels where required.
19. UNITED STATES VISITORS
The Website may be accessible in the United States. Atlas does not provide insurance, securities, investment, tax, legal, mortgage, accounting, financial planning, or other regulated services in any U.S. state unless such services are provided through appropriately licensed, registered, authorized, or qualified channels where required.
No U.S. visitor should interpret the Website as an offer, solicitation, recommendation, or availability of regulated insurance or financial services in that visitor’s state.
Any U.S.-based insurance, securities, investment, mortgage, tax, legal, accounting, financial planning, estate, or professional matter must be handled through appropriately licensed, registered, authorized, or qualified channels where required.
20. LIMITATIONS OF WEBSITE DISCLOSURE
This Licensing & Disclosure page is intended to provide general public disclosure. It cannot describe every rule, exception, insurer requirement, agency requirement, professional requirement, jurisdictional requirement, product term, underwriting rule, suitability factor, conflict, compensation arrangement, limitation, exclusion, or document that may apply to a specific matter.
A specific client matter may require additional disclosures, forms, confirmations, documents, professional review, agency review, insurer review, supervisory review, or regulatory documentation.
In the event of inconsistency between this page and a signed client agreement, insurer document, agency disclosure, policy contract, professional engagement letter, regulatory document, or transaction-specific document, the more specific document will govern the specific matter to which it applies, unless prohibited by law.
21. CHANGES TO THIS LICENSING & DISCLOSURE PAGE
Atlas may amend, update, replace, or revise this Licensing & Disclosure page from time to time to reflect changes in licensing, agency relationships, service structure, website content, regulatory requirements, professional coordination practices, compensation disclosures, insurer relationships, jurisdictional availability, or business practices.
The updated version will be posted on the Website with a revised “Last Updated” date.
Continued use of the Website after an updated version is posted constitutes acknowledgement of the updated Licensing & Disclosure page, subject to applicable law.
22. LICENSING AND DISCLOSURE INQUIRIES
Questions relating to licensing, disclosure, scope of services, advisor role, insurance agency relationships, professional coordination, jurisdictional availability, or the information on this page may be submitted through the inquiry method made available on the Website.
Atlas may require reasonable verification of identity, authority, jurisdiction, or context before responding to any inquiry involving Personal Information, client information, confidential information, insurance matters, professional coordination, recruiting matters, or account-specific matters.
23. INTERPRETATION
Headings are included for convenience only and do not limit the interpretation of this Licensing & Disclosure page.
Where this page uses the words “including,” “such as,” “may,” or similar expressions, those terms are illustrative and not limiting.
This page is intended to be interpreted in a manner consistent with applicable insurance, privacy, consumer protection, electronic communications, professional, licensing, agency, insurer, regulatory, and website-use requirements.
If any portion of this page is found to be invalid, unenforceable, or inconsistent with applicable law, the remaining portions will continue to apply to the maximum extent permitted.