Canadian Life and Health Insurance Association Inc.

What Canadian Life and Health Insurance Association Inc. does

CLHIA (Canadian Life and Health Insurance Association Inc.) is a not-for-profit, membership-based trade association incorporated under Ontario law that represents 99% of Canada's life and health insurance companies. It functions as the unified industry voice on federal and provincial legislative, regulatory, distribution, and tax matters affecting Canadian life and health insurers, and operates three offices (Toronto headquarters, Ottawa federal government relations, Montreal Quebec regional) to support its advocacy mandate.

CLHIA's core offerings are non-technological in nature and consist of: (1) the G1–G18 industry guidelines establishing standards for product disclosure, segregated funds, group insurance, travel insurance, advisor suitability, and market conduct; (2) technical reference documents covering agent licensing, disability benefits fraud, pension governance, and electronic declarations; (3) the annual Canadian Life and Health Insurance Facts publication presenting authoritative industry statistics; (4) five annual industry conferences (Tax, Legal Annual Meeting, Wealth & Retirement, Claims & Anti-Fraud, Compliance & Consumer Complaints); (5) fraud prevention and consumer education resources; and (6) formal policy submissions to federal and provincial governments on issues including prescription drugs, retirement savings, insurance distribution, and international trade. The organisation also operates a secure Member Centre portal for authenticated access to guidelines, reference documents, and event presentations.

CLHIA is funded through three revenue streams: voluntary annual membership dues from life and health insurers (subscription/recurring model), conference registration, sponsorship, and exhibitor fees (event-based), and publication and document access fees. Membership spans at least 15 named enterprise insurers, including Manulife, Sun Life, Canada Life, RBC Life, TD Life, BMO Life, Desjardins Financial Security Life Assurance, iA Financial Group, GreenShield, Foresters Financial, Beneva, Equitable Life, Medavie Blue Cross, Aviva Canada, and Acadia Life. Distribution and member engagement are delivered through the website (clhia.ca), the CLHIA Affiliates Program (Claims & Anti-Fraud, Legal, and Industry affiliates), the conference series, and a dedicated communications team handling media and government submissions. The organisation holds no patents, develops no proprietary technology, and operates no API or SDK surface.

Name

Canadian Life and Health Insurance Association Inc.

Legal name

Canadian Life and Health Insurance Association Inc.

Website

https://clhia.ca

Company type

Private

Founded year

1894

Operating status

Operating

Short description

Canadian Life and Health Insurance Association Inc. (CLHIA) is a not-for-profit trade association representing 99% of Canada's life and health insurance companies, delivering industry guidelines, government advocacy, annual conferences, and consumer education.

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, Technology or R&D

Revenue model

1. Membership Fees: CLHIA generates revenue through membership fees from life and health insurance companies licensed to do business in Canada. Membership is voluntary and open to any life or health insurance company licensed in Canada or insurance-related organizations deemed appropriate by the Board of Directors.
2. Conference and Event Fees: The association hosts annual conferences including Tax Conference, Legal Annual Meeting, Wealth and Retirement Conference, Claims and Anti-Fraud Conference, and Compliance and Consumer Complaints Conference. Revenue is generated through registration fees, sponsorship opportunities, and exhibitor fees.
3. Publication Sales and Document Access: CLHIA publishes industry guidelines, reference documents, and the annual Canadian Life and Health Insurance Facts report. Some member-only content requires authentication to access.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

CLHIA is a not-for-profit, membership-based trade association that represents approximately 99% of Canada's life and health insurance companies. It provides industry representation, policy advocacy, government relations, industry guidelines (CLHIA Guidelines G1–G18), reference documents, annual industry statistics, consumer education resources, anti-fraud materials, and annual conferences. Its members are life and health insurance companies operating in Canada.

Product overview

CLHIA is a not-for-profit trade association providing a suite of products and services to Canada's life and health insurance industry. The core offerings include 18 CLHIA Guidelines (G1-G18) establishing industry standards for distribution, product disclosure, and market conduct; Reference Documents covering agent licensing, fraud prevention, and pension governance; the annual Canadian Life and Health Insurance Facts publication; Consumer Guides on insurance products; five annual industry conferences; fraud prevention resources; and a secure Member Centre for exclusive content access. The organization does not sell insurance products but serves as the trusted voice and regulatory guidance body for 99% of Canada's life and health insurers.

Differentiator

Problem solved

Functional benefit

Products and services

• CLHIA Guidelines (G1–G18) Numbered industry guidelines (G1 through G18) covering standards for accident and sickness insurance, group benefits, individual insurance, and market conduct, made available to member insurance companies to harmonize industry practices.
• Reference Documents Technical reference documents supporting the application of CLHIA Guidelines, made available to member insurance companies.
• Canadian Life and Health Insurance Facts Annual industry statistics publication documenting the size, performance, and contribution of the Canadian life and health insurance industry.
• Consumer Guides and Education Resources Consumer-facing educational guides and resources explaining life and health insurance products, intended for the general public.
• Anti-Fraud Resources Industry fraud prevention resources, including guidance and information for member insurers and consumers to combat insurance fraud.
• CLHIA Annual Conference and Industry Events Annual conferences and industry events organized by CLHIA for member insurers, industry stakeholders, and partners.
• Policy Submissions and Government Representation Formal policy submissions, position papers, and government relations representation on federal and provincial regulatory and legislative matters affecting the Canadian life and health insurance industry.
• Membership in CLHIA Annual membership in the Canadian Life and Health Insurance Association, available to Canadian life and health insurance companies, providing access to guidelines, reference materials, policy submissions, and member events.

Named customers15 records

Segments5 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered moderate and core.

• Global Federation of Insurance Associations (GFIA)moderateStrategic or Co-development PartnerCLHIA is a member of the Global Federation of Insurance Associations, an international body that facilitates cooperation among national insurance associations. This membership enables Canadian insurance industry perspectives to be represented in global insurance policy discussions.
• OmbudService for Life & Health Insurance (OLHI)coreOthersCLHIA directs consumers with complaints to OLHI, an independent dispute resolution service for Canadian life and health insurance policyholders. OLHI investigates complaints on behalf of consumers who cannot resolve issues directly with their insurer.
• AssuriscoreOthersCLHIA references Assuris as the policyholder protection organization that protects Canadian policyholders in the event their life insurance company fails. Assuris is an independent, not-for-profit organization established and funded by the industry.

Scale indicators3 records

Recent moves2 records

Expansion highlights6 records

Broad incumbents

• Global Federation of Insurance Associations: The international umbrella federation of national insurance associations of which CLHIA is itself a member; operates at the global level aggregating national associations' perspectives and is the structural parent-organization equivalent for CLHIA's international engagement.
• LIMRA: A US-based research and consulting organization serving the life insurance and financial services industry globally; comparable to CLHIA in serving the life insurance sector but operates as a broader industry research and membership services body rather than a pure advocacy association.

Regional players

• Insurance Council of Australia: The Australian insurance industry peak body representing general insurers; comparable to CLHIA as a national insurance trade association in another English-speaking market, though focused on the general insurance segment rather than life and health.
• Association of British Insurers: The UK trade association for the insurance and long-term savings industry; the closest international functional peer to CLHIA in a different geographic market, sharing the membership-association model and policy advocacy mandate for life and health insurers.

Direct peers

• American Council of Life Insurers: The US national trade association representing life insurance companies; the closest functional counterpart to CLHIA in the United States, providing policy advocacy, industry research, and standards-setting for a comparable member base of life insurers.
• Investment Funds Institute of Canada: The Canadian trade association for the investment funds industry; comparable to CLHIA in structure (membership-based, policy advocacy, industry guidelines) and domestic scope, serving an adjacent segment of Canadian financial services with overlapping institutional members.
• Canadian Bankers Association: The Canadian trade association representing the domestic banking industry, sharing the same membership-association business model, federal government relations focus (Ottawa office), and policy advocacy mandate as CLHIA within the broader Canadian financial services sector.
• Insurance Bureau of Canada: The national trade association for the property and casualty insurance industry in Canada; operates the same membership association model as CLHIA but serves the P&C segment, providing a closely comparable structural peer in the same domestic market.
• AHIP (America's Health Insurance Plans): The US national trade association for health insurance companies, covering many of the same functional areas (advocacy, market conduct standards, industry data) as CLHIA's health insurance segment, though focused on the US market.

Others

• Canadian Life and Health Insurance Compensation Corporation: Assuris, the policyholder protection organization for Canadian life insurance company failures, is referenced by CLHIA in its consumer materials; an adjacent ecosystem organization rather than a peer association, but closely related through industry funding and policyholder protection mandate.

Market position

Strengths3 records

Weaknesses5 records

Competitive moat5 records

Key risks4 records

Customer concentration

• LinkedInlinkedin.com/company/clhia

Compliance2 records

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 Canadian Life and Health Insurance Association Inc.