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Cooperative Capital Markets Regulator

Published on 07/08/2018

Submissions

IFRS 17 - Canadian request for two-year Implementation Date Deferral

Published on 02/08/2018

Financial Reporting > International Financial Reporting Standards

CLHIA 2019 Federal Pre-Budget Submission

Published on 02/08/2018

Taxation > Federal Taxation

CLHIA WELCOMES THE ANNOUNCEMENT OF CHANGES TO OHIP +

Published on 30/06/2018

Prescription Drug Costs > Provincial & territorial drug program information Pharmacare

MARK SYLVIA OF EMPIRE LIFE ELECTED AS CLHIA’S 2018-19 CHAIR

Published on 21/06/2018

CLHIA Governance > Board of Directors

CLHIA WELCOMES THE ANNOUNCEMENT OF ADVISORY COUNCIL ON THE IMPLEMENTATION OF PHARMACARE

Published on 20/06/2018

Prescription Drug Costs > Provincial & territorial drug program information Pharmacare

Adoption du projet de loi 141 sur la réforme du secteur financier

Published on 13/06/2018

Government Relations Insurance > Government Monitoring Provincial & Territorial Legislation

CLHIA RESPONDS TO ADVISOR CONCERNS OVER NEW COMPENSATION DISCLOSURE GUIDELINE G19

Published on 31/05/2018

Distribution > CLHIA Distribution guidelines and reference documents Advisor regulatory requirements

TAXING HEALTH BENEFIT PLANS WOULD HURT MAJORITY OF CANADIANS

Published on 24/05/2018

Group Insurance Prescription Drug Costs > Employee benefit plans Pharmacare

L’industrie de l’assurance tient à l’adoption du projet de loi 141

Published on 10/05/2018

Government Relations > Government Monitoring

Joint Letter to Alberta Regarding a Single Financial Sector Regulator

Published on 09/03/2018

Compliance > Conduct of business (Commercial practices)

Globe and Mail supplement: Fraud Prevention Month, March 2018

Published on 08/03/2018

Group Insurance > Employee benefit plans

NORTH AMERICAN INSURANCE ASSOCIATIONS AFFIRM SUPPORT OF NAFTA

Published on 01/03/2018

International > International Association of Insurance Supervisors (IAIS)

Comments on Health Canada’s consultation on the proposed amendments to the Patented Medicines regulations

Published on 13/02/2018

Health Care Policy Prescription Drug Costs > Drug pricing Pharmacare

CLHIA DELAYS IMPLEMENTATION OF NEW COMPENSATION DISCLOSURE GUIDELINE BY SIX MONTHS

Published on 05/02/2018

Insurance > CLHIA Insurance guidelines and reference documents

FOR CONSULTATION: Explanatory notes to Guideline G19, Compensation Disclosure in Group Benefits and Group Retirement Services

Published on 30/01/2018

Group Insurance > CLHIA Group Insurance guidelines and reference documents Employee benefit plans

LIFE AND HEALTH INSURANCE INDUSTRY WELCOMES LOWERING OF GENERIC DRUG PRICES

Published on 29/01/2018

Health Care Policy > Generic drug pricing

Consultation on the Proposed Approach to the Regulation of Cannabis

Published on 20/01/2018

Insurance Prescription Drug Costs > Federal Legislation Drug pricing

Understanding Claims for Treatment of Obstructive Sleep Apnea with Positive Airway Pressure (PAP) Devices

Published on 03/01/2018

Group Insurance > CLHIA Group Insurance guidelines and reference documents Paramedical benefits Employee benefit plans

This Reference Document is meant for informational purposes only. All claims for PAP devices will be adjudicated in accordance with the terms of the group benefit plan under which they are being claimed. In the event of a discrepancy between this Reference Document and the group benefit plan, the provisions of the group benefit plan will apply.

Industry input to the external review of Canada's eight pan-Canadian health organizations

Published on 24/11/2017

Health Care Policy > Business continuation / pandemic planning

Submssion to Health Canada

OSFI IFRS 17: Insurance Contracts Standard - Project Plan Timelines

Published on 23/11/2017

Financial Reporting > International Financial Reporting Standards

Submission to OSFI

New Regulatory Capital Framework and Taxation of Non-resident Life Insurers

Published on 22/11/2017

Capital and Assets > Minimum Continuing Capital and Surplus Requirements

Submission to Department of Finance

Improving drug access and affordability : Can public and private payers do more, together?

Published on 01/12/2017

Prescription Drug Costs > Drug pricing Pharmacare

Karen Voin, CLHIA's Vice President, Group Benefits and Anti-Fraud, presents the association's efforts on bridging the public-private divide.

CLHIA Opening Remarks to the House of Commons Standing Committee on Health - Appearance on Pharmacare

Published on 19/10/2017

Prescription Drug Costs > Drug pricing Generic drug pricing Provincial & territorial drug program information Pharmacare

Canada’s life and health insurers believe all Canadians should be able to access affordable prescription drugs. Today, prescription drugs costs are too high and we know there are gaps in coverage. However, meaningful reductions in prices and improving access for all Canadians can be achieved today working within our current system. Canada’s insurers are keen to help and believe we have much to offer.

CLHIA Views on the Ontario Private Member’s Bill 162

Published on 18/10/2017

Insurance > Provincial & Territorial Legislation

Bill 162, an Act to amend the Insurance Act to Authorize Life Settlements, seeks to amend section 115 of the Ontario Insurance Act to provide for an exception to the current rule which prohibits any person, other than an insurer or its duly authorized agent, from trafficking or trading in life insurance policies. The Bill seeks to provide an exception to this prohibition for a life insurance policy if the purchase is from the original policyholder and the policy has been held for at least 36 months. The Bill also provides for a 10-day cooling-off period, during which time the agreement for the sale of a life insurance policy may be cancelled.

CLHIA's further comments on the Life Insurance Agent Market Conduct Questionnaire

Published on 16/10/2017

Distribution > Advisor regulatory requirements

The CLHIA has identified a few comments on the Life Insurance Agent Market Conduct Questionnaire missed in our original submission. We believe these comments may be of value to FSCO and have summarized them.

Submission to the Department of Finance Canada on the Review of the Federal Financial Sector Framework

Published on 06/10/2017

Capital and Assets > Long-term investments

The Canadian life and health insurance industry appreciates the opportunity to provide comments on the Department of Finance’s second consultation paper on the review of the federal financial sector review, Potential Policy Measures to Support a Strong and Growing Economy: Positioning Canada’s Financial Sector for the Future.

LIFE AND HEALTH INSURANCE COVERAGE IN CANADA EXPERIENCES GROWTH IN 2016

Published on 27/09/2017

Pensions and Retirement > Annuities Public pensions (OAS/CPP/QPP/GIS) Employer pension plans Registered Products (RRSP, LIRA, RRIF) Retirement Income System Reviews

Financial sector reform: consumers deserve a more modern regulatory framework

Published on 27/09/2017

Insurance > Federal Legislation

The Canadian Life and Health Insurance Association (ACCAP-Quebec) joins the many other associations and businesses who have long been calling for the introduction of the financial sector reform bill.

CLHIA welcomes new detailed invoice at Quebec’s pharmacies

Published on 15/09/2017

Prescription Drug Costs > Provincial & territorial drug program information

Empowering employees to make healthy choices - Workplace wellness programs

Published on 12/09/2017

Group Insurance > Employee benefit plans

Published in the National Post's "Health Literacy" supplement

BC Dental College statement on third party billing

Published on 11/09/2017

Group Insurance > Dental insurance

The draft Statement addresses the current obligations of dentists to treat colleagues and patients fairly in all financial dealings. The insertion of a third party biller into the referral to a dental laboratory or other third party entity, can introduce inflated or hidden fees that BC plan sponsors and individual plan members may be funding. These kinds of practices can threaten the sustainability of dental benefit plans.

CLHIA Standardized Advisor Practice Review for Use in the MGA channel

Published on 21/08/2017

Distribution > CLHIA Distribution guidelines and reference documents

2018 Federal Budget Submission

Published on 04/08/2017

Taxation > Federal Taxation

Our recommendations align with the Government's priorities to support the middle class, create jobs and set the right conditions for long-term prosperity for Canadians.

CLHIA comments on the CCIR Strategic Plan 2017 - 2020

Published on 31/07/2017

Distribution > Advisor regulatory requirements

We commend the CCIR on developing a progressive Strategic Plan that balances the need for consumer protection with a thriving marketplace for life and health insurance products and services.

CLHIA response to Health Canada Consultation on amendments to Patented Medicines Regulations

Published on 26/06/2017

Prescription Drug Costs > Drug pricing

The Canadian Life and Health Insurance Association Inc. (CLHIA) appreciates the opportunity to provide comments on Health Canada’s Consultation on proposed amendments to the Patented Medicines Regulations.

Consultations on the renegotiation of the North American Free Trade Agreement (NAFTA)

Published on 24/07/2017

Trade & Commerce

On behalf of our member companies, the Canadian Life and Health Insurance Association (CLHIA) would like to take this opportunity to submit the industry’s views on the renegotiation of the North American Free Trade Agreement (NAFTA).

LIFE AND HEALTH INSURANCE INDUSTRY SUPPORTS LOWER PRICING FOR GENERIC DRUGS

Published on 17/07/2017

Health Care Policy > Generic drug pricing

The life and health insurance industry in Quebec welcomes Health Minister Gaétan Barrette’s announcement that an agreement has been reached with generic drug manufacturers to significantly lower generic drug prices.

North American Insurance Associations Agree on the Benefits of NAFTA

Published on 22/06/2017

Government Relations International > Government Monitoring International Association of Insurance Supervisors (IAIS) International Monitoring Network of Insurance Associations International Trade

The Canadian Life and Health Insurance Association, Insurance Bureau of Canada, American Council of Life Insurers, American Insurance Association, and Mexican Association of Insurance Companies have come together to issue a joint statement supporting efforts to modernise NAFTA. Insurers in all three markets continue to benefit from the agreement. As such, while we will support efforts to modernise the Agreement, we would not wish to see any changes that would jeopardise gains already achieved.

Serving Clients Through Needs-Based Sales Practices - Training Module

Published on 06/06/2017

Insurance > CLHIA Insurance guidelines and reference documents

Reference Document

Advisor Disclosure Best Practices - Training Material

Published on 06/06/2017

Insurance > CLHIA Insurance guidelines and reference documents

Reference Document

CLHIA Comments on FSCO's draft 2017 Statement of Priorities

Published on 23/05/2017

Compliance Insurance > Fair treatment of customers (FTC) Conduct of business (Commercial practices) Provincial & Territorial Legislation

Submission

APPOINTMENT: PAUL MAHON

Published on 12/06/2017

CLHIA Governance > Board of Directors

The members of the Canadian Life and Health Insurance Association (CLHIA) have elected Paul Mahon, President and CEO, Great-West Lifeco, Great-West Life, London Life and Canada Life as Chair.

A Canadian Success Story: PROMOTING TRADE IN LIFE AND HEALTH INSURANCE

Published on 16/05/2017

International > International Trade CLHIA International Trade Policy Paper

This position paper briefly describes the benefit of trade in financial services to Canada, the participation of our insurance companies in foreign markets, and the policy directions the Canadian government should take to promote and facilitate trade, particularly for financial services.

RVER : un début prometteur, selon les assureurs

Published on 28/04/2017

Pensions and Retirement > Pooled registered pension plans/PRPPs (and provincial variations)

Health care dollars lost to fraud are everyone's concern

Published on 16/03/2017

Group Insurance > Employee benefit plans

The Globe and Mail's Fraud Prevention Report

Letter to the Alberta Minister of Health Re: High cost of dental care

Published on 14/03/2017

Group Insurance > Dental insurance

Submission

Opening remarks to the Quebec Public Finance Committee as part of the consultations on the future of the Quebec Pension Plan

Published on 18/01/2017

Pensions and Retirement > Public pensions (OAS/CPP/QPP/GIS)

Submission on the document "Strengthening the Plan to Promote Greater Intergenerational Fairness", and the support document "Observations on Retirement in Quebec"

Published on 17/01/2017

Pensions and Retirement > Public pensions (OAS/CPP/QPP/GIS) Pooled registered pension plans/PRPPs (and provincial variations) Registered Products (RRSP, LIRA, RRIF) Retirement Income System Reviews

When it comes to buying life insurance, there's no time like now when you're young and healthy > notimelikenow.ca

Published on 21/03/2017

Information Updates

When it comes to buying life insurance, there’s no time like now when you're young and healthy
notimelikenow.ca

Canada’s Life and Health Insurers Announce Commitment on Use of Genetic Testing Information

Published on 11/01/2017

Genetic Testing Risk Management > Genetic Testing and Insurance Underwriting

News Release

2017 New Brunswick Budget Submission

Published on 08/12/2016

Taxation

CLHIA Response to "Pooled Registered Pension Plans (Manitoba) Act"

Published on 25/11/2016

Pensions and Retirement > Pooled registered pension plans/PRPPs (and provincial variations)

CLHIA submission to Finance Canada regarding the Review of Federal Financial Sector Framework

Published on 15/11/2016

Insurance > Federal Legislation

Submission

LIFE AND HEALTH INSURANCE INDUSTRY APPLAUDS ONTARIO ADOPTION OF PRPPS

Published on 11/11/2016

Pensions and Retirement > Pooled registered pension plans/PRPPs (and provincial variations)

LIFE AND HEALTH INSURANCE INDUSTRY WELCOMES SUPPORT FOR GREATER TRANSPARENCY AT THE PHARMACY

Published on 10/11/2016

Prescription Drug Costs > Drug pricing

Comments on Proposed Supervision Framework and Publishing Principles for FCAC Decisions

Published on 10/11/2016

Compliance > Corporate governance

Submission

2017 Manitoba Budget Submission

Published on 08/11/2016

Taxation > Provincial and Territorial Taxation

LIFE AND HEALTH INSURANCE INDUSTRY REACTS TO FEDERAL FALL ECONOMIC STATEMENT

Published on 01/11/2016

Capital and Assets > Long-term investments

IVIC Suitability Needs-Based Sales Practices

Published on 31/10/2016

Distribution > CLHIA Distribution guidelines and reference documents

Genetic Testing and Life Insurance

Published on 11/01/2017

Genetic Testing > Genetic Testing and Insurance

Our Industry’s Commitment to Canadians

CLHIA response to PMPRB Guidelines Modernization Discussion Paper

Published on 14/10/2016

Prescription Drug Costs > Drug pricing

Risk-based Global Insurance Capital Standard Version 1.0

Published on 19/10/2016

Capital and Assets > Minimum Continuing Capital and Surplus Requirements

2017 British Columbia Budget Submission

Published on 14/10/2016

Taxation > Provincial and Territorial Taxation

Review of Ontario's Solvency Funding Framework for Defined Benefit Pension Plans

Published on 30/09/2016

Pensions and Retirement > Employer pension plans

Submission to Ontario's Ministry of Finance

CLHIA response to CCIR's Travel Insurance Products Issues Paper

Published on 30/09/2016

Group Insurance > Travel insurance

Submission to CCIR Secretariat

Pension Plan Investment in Canada: The 30 Per Cent Rule

Published on 16/09/2016

Taxation > Policyholder Tax Tax Deferred Products (RRSP, RESP, TFSA, RDSP, RRIF)

In the workplace retirement sphere, CLHIA member companies are major providers of record-keeping and investment management services to Canada's defined contribution pensions, and to capital accumulation plans more broadly, primarily for small- and medium-size employers.

Canadian Life and Health Insurance Facts, 2016 Edition

Published on 15/09/2016

Capital and Assets Distribution Group Insurance Insurance Pensions and Retirement > Long-term investments Minimum Continuing Capital and Surplus Requirements Coordination of benefits Employee benefit plans Travel insurance Segregated Funds (IVICs) Annuities Public pensions (OAS/CPP/QPP/GIS) Pooled registered pension plans/PRPPs (and provincial variations) Employer pension plans Registered Products (RRSP, LIRA, RRIF)

LIFE AND HEALTH INSURANCE INDUSTRY CONTINUES GROWTH TREND BASED ON RETIREMENT SOLUTIONS MARKET

Published on 15/09/2016

Pensions and Retirement > Annuities Public pensions (OAS/CPP/QPP/GIS) Pooled registered pension plans/PRPPs (and provincial variations) Employer pension plans Registered Products (RRSP, LIRA, RRIF) Retirement Income System Reviews Wealth & Retirement

Today, the Canadian Life and Health Insurance Association (CLHIA) released the 2016 edition of Canadian Life and Health Insurance Facts. In addition to a new look for this annual publication, the industry’s “factbook” illustrates yet another year of strong growth in 2015, despite the ongoing challenging economic conditions.

Task Force on Marijuana Legalization and Regulation: Toward the Legalization, Regulation and Restriction of Access to Marijuana

Published on 02/09/2016

Group Insurance Prescription Drug Costs > Employee benefit plans Pharmacare

The Government of Canada has made its decision to legalize marijuana and we appreciate the work that the Task Force has undertaken to make recommendations related to the structure of a legalized marijuana regime.

Regulations under the Pooled Registered Pension Plans Act, 2015

Published on 19/08/2016

Pensions and Retirement > Pooled registered pension plans/PRPPs (and provincial variations)

2017 Federal Budget Submission

Published on 07/10/2016

Taxation > Federal Taxation

RETIRING SOON? -- NEW WEB-BASED RESOURCE NOW AVAILABLE

Published on 03/08/2016

Consumers Pensions and Retirement > Financial Literacy Initiatives CLHIA Consumer Publications and Tools Wealth & Retirement

CLHIA Response to Consultation Paper on Consent and Privacy

Published on 26/07/2016

Trade & Commerce > Privacy

Submission to the Office of the Privacy Commissioner of Canada

Letter to Finance Canada re Transitional Rules for "Exempt" Life Policies

Published on 02/06/2016

Taxation > Provincial and Territorial Taxation

CLHIA seeks modification to the year-end 2016 transitional rules arising from the taxation of policyholders

Industry comments on the revised draft Capital Market Stability Act

Published on 06/07/2016

Capital and Assets > Securities

Submission to the Cooperative Capital Markets Regulatory System

CLHIA Letter to Alberta Dental Association and College

Published on 30/06/2016

Group Insurance > Dental insurance

Letter to CCIR re: revised Guideline G7

Published on 29/06/2016

Compliance Group Insurance > Conduct of business (Commercial practices) Creditor’s group insurance

Letter to AMF re: Complaint Handling

Published on 29/06/2016

Consumers > Complaint Handling

Follow up on the industry’s recent meetings with the Autorité des marchés financiers (AMF) about consumer complaint handling practices

CLHIA comments on Payments Canada's consultation paper

Published on 27/06/2016

Trade & Commerce > Payments System

The Canadian Life and Health Insurance Association Inc. (CLHIA) appreciates the opportunity to provide comments on Payments Canada’s consultation document entitled Developing a Vision for the Canadian Payment Ecosystem.

CLHIA's comments on the preliminary policy recommendations of the Expert Committee

Published on 06/06/2016

Insurance > Provincial & Territorial Legislation

Submission

Consultation regarding the request to increase the scope of practice by Alberta's chiropractors

Published on 02/06/2016

Group Insurance > Regulated professions

Submission

It’s time for national cooperation on retirement income security

Published on 01/06/2016

Pensions and Retirement > Retirement Income System Reviews

On Wednesday, June 1, 2016, this open letter from a coalition of 15 organizations was published in the following 10 newspapers across the country