One of the CLHIA's strategic objectives is to foster sound and equitable principles in the conduct of the business of member life and health insurers that carry on business in Canada.

CLHIA Guidelines are designed to promote consistent practices and standards for the life and health insurance industry and to reinforce the best interests of consumers and the industry.

Guideline G2, Individual Variable Insurance Contracts (IVICs) Relating to Segregated Funds This Guideline establishes industry standards for disclosure in point-of-sale IVIC documents and contracts, advertising disclosure, audit and accounting requirements, and minimum investment standards.	Download this Guideline
Guideline G6, Illustrations This Guideline recommends practices for the preparation and distribution of illustrations, both at point-of-sale and for in-force policies.	Download this Guideline
Guideline G7, Creditor's Group Insurance This Guideline protects the interests of Debtors by promoting consistent practices for insurers and by providing operating and disclosure standards for the transaction of Creditor's Group Insurance.	Download this Guideline
Guideline G10, 10-Day Insurance Contract Rescission Right This Guideline calls for a 10-day “free look” in the case of individual life insurance contracts and individual accident and sickness insurance contracts. More specifically, and subject to section 7 below, this Guideline calls on insurers to provide a 10-day “free look” for a purchaser of an individual life insurance or accident and sickness insurance contract to allow him or her time to review the policy to confirm that it is consistent with what was expected when he or she applied for the policy. If the purchaser is not satisfied, this Guideline calls on insurers to allow the purchaser to cancel the contract within the time provided for a refund of premiums paid.	Download this Guideline
Guideline G12, Capital Accumulation Plans This Guideline sets out regulators' expectations regarding the rights and duties of plan members, sponsors and service providers relating to employer-sponsored, tax assisted, savings plans known as Capital Accumulation Plans ("CAPs"). The Guideline also recommends comparable practices for non-tax-assisted plans.	Download this Guideline
Reference Document
The 2009 CLHIA Reinsurance Treaty Reference Document sets out sample treaty wording for Individual Life business, reflecting what is considered to be common industry practice at this time.	Download this Document
CLHIA POSITION STATEMENT ON GENETIC TESTING The industry's policy is that insurers would not require an applicant for insurance to undergo genetic testing. However, if genetic testing has been done and the information is available to the applicant for insurance and/or the applicant’s physician, the insurer would request access to that information just as it would for other aspects of the applicant’s health history.	Download this Document
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