The Honourable Rosann Wowchuk
Minister of Finance
103 Legislative Building
450 Broadway
Winnipeg, MB R3C 0V8

Dear Minister:

Canada's life and health insurance companies are pleased to respond to the concerns identified in your March 25th public consultation paper on Canada's retirement income system. The attached comments and recommendations focus on simple changes to expand and enhance the coverage, adequacy and security of pensions and other retirement income plans. We look forward to the opportunity to discuss these proposals and the related issues with you and your officials should you have any questions.

Yours sincerely,

Ron Sanderson
Director, Policyholder Taxation and Pensions