Canadian Life Elements and Health Technology Association

What Canadian Life Elements and Health Technology Association does

The Canadian Life and Health Insurance Association (CLHIA) is a not-for-profit, membership-based trade association founded in 1894 and headquartered in Toronto, with regional offices in Ottawa (government relations) and Montreal (Quebec/bilingual engagement). CLHIA represents 99% of Canada's life and health insurance companies across 60+ member organizations plus an affiliate program covering claims/anti-fraud, legal, and industry service providers. Its core activities comprise collective federal and provincial policy advocacy (submissions on prescription drugs, retirement savings, insurance distribution, international trade, and modernizing business law frameworks), maintenance of 18 industry-wide CLHIA Guidelines (G1–G18) covering product disclosure, advisor suitability, segregated funds, group insurance, and coordination of benefits, and operation of five major annual industry conferences (Tax Conference, Legal Annual Meeting, Wealth & Retirement Conference, Claims and Anti-Fraud Conference, and Compliance and Consumer Complaints Conference).

CLHIA's revenue model is membership-fee-driven (recurring subscription, tiered by member premium volume) supplemented by conference registration, cancellation administration fees ($100–$200), and sponsorship revenue; the organization is not publicly traded, has no parent company, and does not disclose financial figures. It serves four customer segments: member life and health insurance companies (primary), industry affiliates, Canadian consumers (via guides and fraud-prevention programming such as the Fraud = Fraud campaign), and healthcare providers/advisors/MGAs (via educational resources and compliance materials). The association is a member of the Global Federation of Insurance Associations (GFIA) for international coordination, and is governed by a Board of Directors drawn from member insurers, currently chaired by Zahid Salman (President and CEO of GreenShield) effective 2026, with Stephen Frank serving as President and CEO of the association staff.

The technology footprint is described as a digital-first platform: a modern website (clhia.ca) built on Sitecore, with member-only portals, electronic declaration processes for government policy submissions, and event management systems for conferences. CLHIA does not develop commercial products, holds no patents, has no app, and operates no disclosed AI/ML capabilities. Its intellectual property is concentrated in the codified G1–G18 guidelines, the annual Canadian Life and Health Insurance Facts publication, and consumer-facing insurance guides — assets that function as quasi-regulatory standards shaping market conduct across Canada.

Name

Canadian Life Elements and Health Technology Association

Legal name

Canadian Life and Health Insurance Association Inc.

Website

https://clhia.ca

Company type

Private

Founded year

1894

Operating status

Operating

Headcount range

51–100 employees

Short description

The Canadian Life and Health Insurance Association (CLHIA) is a not-for-profit, membership-based trade association representing 99% of Canada's life and health insurance companies through policy advocacy, 18 industry guidelines, and five annual conferences.

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 operates as a not-for-profit, membership-based organization representing 99% of Canada's life and health insurance companies. Revenue is generated through annual membership fees from member companies and affiliates, which fund the association's advocacy, research, and industry development activities.

Pricing tiers

Distribution channels4 records

Marketing channels6 records

Core offering

Canadian Life Elements and Health Technology Association is a not-for-profit trade association that represents virtually all of Canada's life and health insurance companies. It provides collective industry advocacy, develops industry guidelines and standards, and delivers member services such as education, conferences, and research to its insurance company members.

Product overview

The Canadian Life and Health Insurance Association (CLHIA) is a not-for-profit, membership-based trade association that represents 99% of Canada's life and health insurance companies. Rather than offering a commercial product or platform, CLHIA provides industry advocacy, regulatory guidance through CLHIA Guidelines (G1-G18), consumer education resources including insurance guides (life insurance, critical illness, disability, travel health, supplementary health, long-term care, coordination of benefits), reference documents, and industry events. The association facilitates five annual conferences for members and produces policy submissions to government on behalf of member insurers.

Differentiator

Problem solved

Functional benefit

Products and services

• Industry Advocacy and Policy Representation Collective representation of Canadian life and health insurers before government, regulators, and other stakeholders on policy, regulatory, and public-affairs matters. The audience is the association's member insurance companies.
• Industry Guidelines and Standards Development and dissemination of industry guidelines, standards, and best practices for the Canadian life and health insurance sector. The audience is the association's member insurance companies and the broader Canadian insurance industry.
• Member Education and Training Educational programs and training resources provided to member insurance company staff to support professional development and industry knowledge. The audience is employees of member insurance companies.
• Industry Conferences and Events Conferences and events convened for the Canadian life and health insurance industry to support networking, knowledge sharing, and discussion of industry issues. The audience is member insurance companies and broader industry participants.
• Industry Research and Publications Research, reports, and publications covering the Canadian life and health insurance industry for use by member companies, policymakers, and other stakeholders.

Named customers10 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

One partnership is on record.

• Global Federation of Insurance Associations (GFIA)majorOthersCLHIA is a member of the Global Federation of Insurance Associations (GFIA), an international body that coordinates insurance industry positions and advocacy on global regulatory and trade matters affecting life and health insurers worldwide.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• LIMRA: A global insurance industry membership organization focused on research, benchmarking, and professional development for life insurers and financial services firms. Overlaps with CLHIA's research, conference, and industry-data functions (e.g., the Canadian Life and Health Insurance Facts publication).
• American Council of Life Insurers: The US national trade association representing life insurers and fraternal benefit societies, with the same advocacy, policy submission, guideline development, and conference model as CLHIA. It is the closest international analog in mandate, structure, and member composition.
• Insurance Information Institute: A US-based insurance industry association that provides consumer education, industry data, and public-facing communications. Closely comparable to CLHIA's combined industry-representation and consumer-education roles, including fraud awareness.
• Property Casualty Insurers Association of America: A US national trade association for property and casualty insurers, operating the same advocacy, policy submission, and member services model as CLHIA. A directly comparable peer for understanding the trade-association operating model, though in the P&C rather than life and health segment.
• Association of British Insurers: The UK trade association for insurance and long-term savings providers, performing equivalent advocacy, policy engagement, and industry standard-setting functions to CLHIA. It is one of the most directly comparable non-US peers given the similar common-law regulatory environment.
• Insurance Council of Australia: The Australian insurance industry peak body representing general and life insurers, operating with a similar model of policy advocacy, industry representation and member services. Comparable in mandate and governance, though serving a different national jurisdiction.

Others

• Canadian Insurance Services Regulatory Organizations: The coordinating body for provincial and territorial insurance regulators in Canada. Not a member association like CLHIA but the institutional counterpart on the regulatory side of the same Canadian market, and the primary counterpart in many of CLHIA's policy submissions.
• National Association of Insurance Commissioners: The US state-level insurance regulatory standards-setting body. Not a trade association, but the institutional counterpart with which peer bodies like ACLI engage, providing a useful comparison point for how Canadian regulators (and CLHIA's interactions with them) are structured.
• European Insurance and Occupational Pensions Authority: The EU-level insurance and pensions supervisory authority. Not a trade association but the supranational regulatory counterpart to national bodies like CLHIA, providing a useful structural analog for how European insurance industry advocacy is organized in relation to a pan-regional regulator.
• Global Federation of Insurance Associations: The international federation of which CLHIA is itself a member. Functions as a peer-of-peers umbrella organization that coordinates positions across national insurance associations; comparable to CLHIA in mandate but at the international rather than national level.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/clhia

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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M&A

Investments

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

Frequently asked questions about Canadian Life Elements and Health Technology Association