CLHIA

What CLHIA does

CLHIA (Canadian Life and Health Insurance Association Inc.) is a not-for-profit, membership-based trade association founded in 1894 and incorporated in Canada, representing 99% of the country's life and health insurance companies. Its members collectively hold nearly 1.2 trillion CAD in assets, employ over 180,000 Canadians, and provide coverage to approximately 30 million policyholders. The association is headquartered in Toronto with regional offices in Ottawa and Montreal, and is governed by a Board of Directors elected from member companies, reinvesting surplus revenues into advocacy and operations rather than distributing to shareholders.

CLHIA's core offerings are not commercial products but industry infrastructure: the 18 CLHIA Guidelines (G1–G18) covering product disclosure, distribution practices, segregated funds, group insurance, advisor suitability, and market conduct; the annual Canadian Life and Health Insurance Facts publication; free Consumer Guides; technical Reference Documents; the secure Member Centre portal; the three-tier Affiliates Program; and five annual industry conferences (Tax, Legal Annual Meeting, Claims & Anti-Fraud, Compliance & Consumer Complaints, and Wealth & Retirement). It also runs the Fraud = Fraud public awareness campaign and coordinates industry adoption of AI-enabled fraud detection across health and dental benefits claims.

Revenue is generated primarily through membership dues calculated as a percentage of each member's premium income, supplemented by conference and event registration fees, publication revenue, and affiliate program fees. CLHIA does not publicly disclose pricing or revenue figures. Its customer segments are B2B (federally licensed and provincially incorporated insurers as primary members, plus Managing General Agencies, advisors, and affiliated service providers such as law firms and claim adjudication organizations) and B2C indirectly via consumer guides and fraud-prevention resources reaching Canadian insurance consumers.

Name

CLHIA

Legal name

Canadian Life and Health Insurance Association Inc.

Website

https://clhia.ca

Company type

Private

Founded year

1894

Operating status

Operating

Headcount range

101–250 employees

Short description

CLHIA is a not-for-profit trade association founded in 1894 that represents 99% of Canada's life and health insurance companies, setting industry guidelines, advocating on policy, and serving members who collectively hold nearly 1.2 trillion CAD in assets.

Ownership category

akta.pro rank

Headquarters

HQ city

Toronto

HQ country

Canada

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Distribution channels1 record

Marketing channels7 records

Core offering

CLHIA is a not-for-profit trade association that develops industry guidelines, advocates for policy, and provides standards, publications, conferences, and consumer education resources on behalf of 99% of Canada's life and health insurance companies. Its portfolio includes the 18 CLHIA Guidelines, annual Canadian Life and Health Insurance Facts publication, consumer guides, reference documents, five annual conferences, and a Member Centre portal for member companies and affiliates.

Product overview

CLHIA is a not-for-profit, membership-based trade association representing 99% of Canada's life and health insurance companies. Rather than a single product, CLHIA offers a portfolio of industry standards, publications, and services including 18 CLHIA Guidelines (G1-G18) covering product disclosure, distribution, and market conduct; the annual Canadian Life and Health Insurance Facts publication; Consumer Guides providing free insurance education; Reference Documents on technical topics; and five annual conferences. Member companies access a secure Member Centre portal, while the CLHIA Affiliates Program provides pathways for industry service providers to participate in association activities.

Differentiator

Problem solved

Functional benefit

Products and services

• CLHIA Guidelines (G1-G18)
• Canadian Life and Health Insurance Facts
• Consumer Guides
• Reference Documents
• CLHIA Conferences and Events
• Member Centre and Account Portal
• CLHIA Affiliates Program
• Material for Advisors and MGAs
• Fraud = Fraud Public Awareness Campaign

Segments3 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Partnerships

One partnership is on record.

• Global Federation of Insurance Associations (GFIA)minorOthersCLHIA is a member of the Global Federation of Insurance Associations (GFIA), an international body that represents the interests of insurance associations globally. This membership allows CLHIA to participate in international insurance policy discussions and benchmark Canadian practices against global standards.

Scale indicators4 records

Expansion highlights5 records

Direct peers

• LIMRA: Global insurance industry research and marketing association serving life insurers and financial services. Comparable through its industry research, conference programming, and standard-setting around distribution and product practices.
• Insurance Europe: Pan-European insurance and reinsurance federation representing national member associations. Highly comparable as a higher-order advocacy body whose CLHIA is already linked to through GFIA.
• Association of British Insurers (ABI): The UK trade body for insurers offering life, health, and general insurance. Comparable to CLHIA on national advocacy, member-led code development, and cross-government consultation work.
• American Council of Life Insurers (ACLI): The US national trade association representing life insurers and annuity providers. ACLI is the closest structural analogue to CLHIA and is highly comparable on advocacy, federal-level engagement, and member-driven guideline development.
• Insurance Bureau of Canada (IBC): National trade association for Canadian property and casualty insurers. IBC operates as a parallel advocacy body in Canada with a similar federal-provincial policy stance, multi-office footprint, and consumer-education mission.
• AHIP (America's Health Insurance Plans): US national trade association for health insurance providers. Comparable to CLHIA on group benefits, supplemental health, and policy advocacy around pharmacy, mental health, and consumer protection.
• Financial Services Council (Australia): Australian peak industry body for the financial services sector, including life insurers and superannuation funds. Comparable through its similar members, advocacy cadence, and consumer-facing education outputs.

Broad incumbents

• Canadian Insurance Services Regulatory Organizations (CISRO): Canadian umbrella body for the insurance regulators and self-regulatory organizations across provinces. Comparable because it sits in the same regulatory ecosystem that CLHIA engages with around licensing, market conduct, and consumer protection.

Others

• Global Federation of Insurance Associations (GFIA): International federation of insurance associations of which CLHIA is itself a member. Comparable as the coordinating umbrella body through which CLHIA participates in global policy discussions and benchmarking.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/clhia

Revenue estimate

Valuation estimate

Number of profiles

Profiles16 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 CLHIA