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CLHIA Process on Electronic Declarations

Published on 24/12/2019

Trade & Commerce > Electronic Commerce

Letter to the Attorney General of Ontario Re: Bill 161, Smarter and Stronger Justice Act, 2019

Published on 23/12/2019

Insurance > Provincial & Territorial Legislation

2020 Nova Scotia Budget Submission

Published on 20/12/2019

Capital and Assets Group Insurance Prescription Drug Costs Taxation > Long-term investments Employee benefit plans Drug pricing Pharmacare Provincial and Territorial Taxation Premium tax

2020 Manitoba Budget Submission

Published on 20/12/2019

Capital and Assets Group Insurance Prescription Drug Costs Taxation > Long-term investments Employee benefit plans Drug pricing Pharmacare Provincial and Territorial Taxation Premium tax

Enhancing retirement income options for Canadians

Published on 29/11/2019

Pensions and Retirement > CLHIA Pensions and Retirement Policy Paper Public pensions (OAS/CPP/QPP/GIS) Pooled registered pension plans/PRPPs (and provincial variations) Employer pension plans

Comments on proposals to amend the Health Professions Act in British Columbia re: BC Reg 276/2008 and BC Reg 415/2008

Published on 29/11/2019

Group Insurance > Dental insurance

On November 29, the CLHIA sent a letter of support to the College of Dental Surgeons of British Columbia regarding proposed changes to align the Dentists Regulation better to the Health Professions Act. The proposals are considered ‘housekeeping’ changes, given the shared scope of practice statements and restricted activities, including changes to standardized terms to align to the other oral health colleges’ regulations.

Comments on O. Reg. 201/96, Ontario Drug Benefit Act 'Improving Value of Pharmacy Payments'

Published on 27/11/2019

Prescription Drug Costs > Drug pricing Provincial & territorial drug program information

On November 27, the CLHIA wrote to the Ontario Ministry of Health with comments on proposed regulatory changes made in October that affect public drug programs and payments to pharmacists. The government is looking to replace the tiered mark-up and Meds Check budget proposals with a time-limited (until March 31, 2023) reconciliation adjustment process, resulting in an overall reduction in payments. While the proposed changes do not appear to impact private drug plans, the industry is concerned about the unintended consequences of reducing payments to pharmacists to such a degree, and have encouraged the government to involve CLHIA as a stakeholder to implementation.

Comments on O. Reg. 201/96, Regulation 935 'Reducing Administrative Burden to Drug Manufacturers and Pharmacies'

Published on 27/11/2019

Prescription Drug Costs > Provincial & territorial drug program information

Comments on Newfoundland's Dementia Care Action Plan Consultations

Published on 25/11/2019

Health Care Policy > Long-term Care

CLHIA comments on Financial Services Regulatory Authority of Ontario (FSRA)'s proposed priorities

Published on 18/11/2019

Distribution > Market conduct

On November 18, the CLHIA responded to the Financial Services Regulatory Authority of Ontario’s (FSRA) public consultation on its draft 2020-21 priorities and budget. Priority areas for the industry include “improving licensing effectiveness and efficiency” and “enhanced market conduct oversight to protect consumers”. The CLHIA indicated support for FSRA’s proposed priorities, noting that a reduction in regulatory burden and improvement to regulatory effectiveness would protect Ontarians and support the industry. It also commented on such proposed priorities as a review of inherited guidance, title protection, sector expertise, the creation of a code of conduct, a new agent conduct team, advisor oversight expectations and MGA oversight. With respect to the budget, there is a proposed payroll increase of $4.9 million for life insurance agent conduct regulation, about which the CLHIA indicated an interest in understanding more.

Submission to Health Workforce Regulatory Oversight Branch re: RNs prescribing medications

Published on 17/11/2019

Group Insurance Prescription Drug Costs > Employee benefit plans Provincial & territorial drug program information Pharmacare

Submission to the Department of Innovation, Science and Economic Development re: PIPEDA Modernization Proposals

Published on 04/11/2019

Trade & Commerce > Intellectual Property Privacy

The CLHIA recently responded to a May discussion paper published by Innovation, Science and Economic Development Canada (ISED) aimed at modernizing PIPEDA, the private sector privacy legislation that applies to industry members everywhere in Canada except in Alberta, British Columbia and Quebec. In our submission, the CLHIA emphasized the importance of allowing for alternatives or exceptions to consent to facilitate use of personal information by business under specific circumstances including common uses of personal information for reasonable business activities. It also suggested amendments to the legislation to facilitate members’ efforts to fight fraud and confirmed the CLHIA’s interest in recognized voluntary codes of practices and certification schemes. In addition, the CLHIA reiterated its support for the Office of the Privacy Commissioner of Canada (OPC) Ombudsman model while commenting on the possible impact of giving the OPC additional powers.

Submission to the Department of Finance Proposal to Improve the Tax System

Published on 10/10/2019

Taxation Pensions and Retirement > Federal Taxation Tax Deferred Products (RRSP, RESP, TFSA, RDSP, RRIF) Annuities

On October 7, the CLHIA wrote to Finance Canada with recommendations to further expand the decumulation options for Canadians beyond what was promised in the 2019 federal budget. In particular, we advocate that insurers should be allowed to pool Variable Payment Life Annuities (VPLAs) across plans rather than requiring pooling to happen within each plan only. This would allow member to offer stand-alone "aggregator" VPLAs to increase scale and cost effectiveness for consumers. As well, we advocate that Canadians should be able to use savings in their TFSAs to purchase deferred annuities. Technical refinements to the VPLA and Advanced Life Deferred Annuity proposals have also been provided to Finance Canada.

Life and health insurers paid out nearly $100 billion to support Canadians' health and financial security

Published on 05/09/2019

Capital and Assets Consumers Disability Distribution Group Insurance Health Care Policy Prescription Drug Costs Taxation > Long-term investments Minimum Continuing Capital and Surplus Requirements Complaint Handling Long term disability Market conduct Paramedical benefits Dental insurance Employee benefit plans Travel insurance Drug pricing Pharmacare Provincial and Territorial Taxation Policyholder Tax

Earlier this month, the CLHIA released the annual “Fact book”, which is the most up-to-date collection of data on the life and health insurance industry and the products and services it provides to tens of millions of Canadians.

Data in this year’s edition show that the industry:

  • Paid out $98 billion in benefits to Canadians last year, including $36 billion in health benefits for prescription drugs and for extended health providers like dentists and physiotherapists;

  • Worked hard to meet the promise of client satisfaction, with only one in 100,000 claims resulting in a complaint;

  • Provided over 156,000 domestic jobs and made $780 billion in long-term investments that contribute to Canada’s economic growth;

  • Maintains capital reserves 39 per cent higher than regulators’ targets, making insurers among the most stable and secure financial institutions in Canada; and

  • Offered financial protection services to 60 million people in 20 countries - exporting the strength of Canada’s insurers to the world.


  • The Canadian Life and Health Insurance Facts is produced annually and is a go-to resource for policy makers, journalists, academics, and industry insiders.

    CLHIA welcomes amendments to the Patented Medicine Prices Review Board Regulations

    Published on 09/08/2019

    Prescription Drug Costs > Drug pricing Pharmacare

    2020 Federal Pre-Budget Submission

    Published on 08/08/2019

    Pensions and Retirement Prescription Drug Costs Taxation Trade & Commerce International > Annuities Registered Products (RRSP, LIRA, RRIF) Drug pricing Pharmacare Federal Taxation Corporate Tax Interprovincial Trade

    Submission to Health Canada Re: Draft Guidance (Accelerated Review of Human Drug Submissions)

    Published on 22/07/2019

    Prescription Drug Costs > Drug pricing Provincial & territorial drug program information

    On July 27, the CLHIA responded to Health Canada’s accelerated drug review pathway draft guidance, suggesting revisions in the areas of substantial evidence and promising evidence, as well as transparency in bridging indications from an established indication to a new indication. The CLHIA also suggested that there be more clarity and coordination among the national organizations assessing rare drugs, including Health Canada, pCPA, CADTH and INESSS. The draft guidance is meant to provide assistance to industry regarding the criteria to access an accelerated review, what a Notice of Compliance with conditions (NOCc) means to the manufacturer, the collection of real world evidence for rare diseases as well as other information important to manufacturers and insurers.

    2020 British Columbia Budget Submission

    Published on 28/06/2019

    Capital and Assets Group Insurance Prescription Drug Costs Taxation > Long-term investments Employee benefit plans Drug pricing Provincial and Territorial Taxation Premium tax

    Consultation on Comprehensive Review of Yukon Health & Social Services

    Published on 28/06/2019

    Prescription Drug Costs > Catastrophic drug coverage Drug pricing Pharmacare

    On June 28, the CLHIA responded to a recently established independent expert panel in Yukon that is reviewing six key areas within the delivery of healthcare and social services. The CLHIA provided comments into two areas of focus. Under Coordination of Care, within and out of territory, we cited areas of private healthcare funding for treatment/services that are being delivered remotely, including cognitive behavioral therapy and some elements of physical therapy programs. A second area of review was Pharmacare and Pharmaceutical Benefits. We agreed with the expert panel’s position that drug prices are too high and must be lowered for all Yukoners, including those with private benefit plans. The CLHIA also agreed on the need to identify those Yukoners lacking coverage or with limited coverage who could benefit from an established list of common medicines and to a coordinated private-public approach to rare diseases.

    Submission to Saskatchewan re The Massage Therapists Act

    Published on 25/06/2019

    Group Insurance > Regulated professions

    The province of Saskatchewan recently signaled its intention to regulate the practice of massage therapy by issuing the draft Massage Therapists Act for comment by stakeholders. In a submission to the Ministry of Health, the CLHIA expressed its support of regulation of massage therapy in Saskatchewan and other unregulated provinces. Regulation puts in place standards of practice, a formal complaints and disciplinary process and enhances the protection of the public in general. In addition, Saskatchewan residents would benefit from the Canadian Revenue Agency’s (CRA) tax-free treatment of services delivered by regulated healthcare providers, as this may increase access to care. Lastly, the CLHIA encouraged protection of titles such as 'Registered Massage Therapist' that are consistent across Canada.

    Alka Gautam Elected CLHIA Chair

    Published on 25/06/2019

    CLHIA Governance > Board of Directors

    BC Submission re: Cayton Report PIPA and Privacy

    Published on 14/06/2019

    Insurance Trade & Commerce Group Insurance > Provincial & Territorial Legislation Privacy Dental insurance

    CLHIA responds to final report of the Advisory Council on the Implementation of National Pharmacare

    Published on 05/06/2019

    Prescription Drug Costs > Drug pricing Pharmacare

    On June 12, the Advisory Council on the Implementation of National Pharmacare released its final report. So far the Federal Government response has been muted. The Minister of Health thanked the Council for their report but has not made any commitments with respect to next steps and the Minister of Finance has not made any public statement. The CLHIA news release can be found here.

    The highlights of the report include recommendations that:

    · Canada should adopt a universal, single-payer public pharmacare program. The program should be phased in over eight years
    · The federal government should establish a national standard formulary, and would require that out-of-pocket amounts for individuals be capped at $5 per prescription, with a co-pay of $2 per medicine up to an annual maximum of $100 per household
    · The federal government should finance the incremental costs to the provinces of moving to this model via a new dedicated federal transfer to the provinces
    · Provinces could opt-in to the program subject to agreeing to the requirements outlined above.

    Submission to Health Canada Re: Proposed Generic Drug Regulations

    Published on 07/06/2019

    Prescription Drug Costs > Generic drug pricing

    On June 7, the CLHIA wrote to Health Canada expressing support for its recent proposal to amend the definition of 'equivalence' when evaluating a new generic drug in comparison to the originator. The amended definition would allow a route to market for new generics that are not pharmaceutically equivalent to the reference product, but contain the same identical therapeutically active component, thereby improving choice and potentially resulting in lower costs for plan sponsors and members.

    CLHIA announces withdrawal of Guideline G19

    Published on 31/05/2019

    Distribution > Product disclosure Market conduct

    Proposed Changes to OHIP Out of Country coverage October 2019

    Published on 30/04/2019

    Group Insurance > Coordination of benefits Travel insurance

    On April 30, the CLHIA responded to an Ontario government proposal that would see the elimination of emergency health claim reimbursements incurred outside of Canada. The CLHIA’s submission asked for a clear communication plan for Ontarians regarding these changes. The CLHIA also requested the government’s assistance in ensuring that beds are available to Ontarians incurring medical emergencies at destination, and who are ready to return to an Ontario hospital for follow-up care.

    CLHIA supports budget proposal to improve retirement options for Canadians

    Published on 20/03/2019

    Pensions and Retirement > Annuities Retirement Income System Reviews Wealth & Retirement

    Budget measures offer sensible steps to achieve pharmacare for all who need it

    Published on 19/03/2019

    Prescription Drug Costs > Drug pricing Pharmacare

    CLHIA welcomes Saskatchewan court ruling in Ituna, Mosten and Atwater litigation

    Published on 18/03/2019

    Insurance > Provincial & Territorial Legislation

    On March 15, in separate sets of reasons, Justice Brian Scherman of the Saskatchewan Court of Queen’s Bench ruled in favour of the three member insurers (Industrial Alliance, Manulife, and BMO Life), dismissing applications brought by three limited partnership policyholders (Ituna, Mosten, and Atwater). The applications were brought seeking a declaration that the policyholders were entitled to deposit unlimited sums of money into the side accounts of universal life policies they had acquired that were issued in the late 1990’s to early 2000’s when interest rates were much higher than today. The CLHIA intervened in the applications because the position taken by the policyholders was contrary to the nature and intended purpose of the product, fundamental insurance law concepts and Canada’s regulatory system. Justice Scherman ruled that the proper interpretation of the contracts was that deposits were limited to those amounts that could be used for the cost of insurance, premium taxes and policy administration fees during the expected life of the insured, as well as amounts used for investment or savings within the policy, up to the accrual tax-exempt limits set in the Income Tax Act. This finding is consistent with the insurers’ licensing, the nature of the product and the absence of any evidence of any other intent by the original purchaser. It provides a harmonious interpretation of premium to the whole policy and would be consistent with an ordinary insured's understanding. The Court found no ambiguity in the policy wording. The CLHIA's press release on the decisions can be found here. The complaints have filed appeals for all three decisions to the Saskatchewan Court of Appeal.

    CLHIA welcomes interim report of Advisory Council on the Implementation of National Pharmacare

    Published on 06/03/2019

    Prescription Drug Costs > Drug pricing Generic drug pricing Provincial & territorial drug program information Pharmacare

    Following six months of consultations with stakeholders, including our industry, the federal panel studying national pharmacare issued its interim report on March 6. The report identified six core principles that it believes should underpin a future program, as well as three initial “building blocks” that it recommends be acted upon immediately.

    Flanked by the federal ministers of finance and health, advisory council chair and former Ontario Health and Long-Term Care Minister Dr. Eric Hoskins said the future program must improve access to prescription drugs for all Canadians, ensure portable access across Canada, provide for a comprehensive formulary, be designed with input from patients, be a partnership of all orders of government, including indigenous peoples, and include a “a robust pharmaceutical management system.”

    The report called for immediate action on a national drug agency, a comprehensive, evidence-based national formulary and improved drug data and information technology systems.

    Not missed by observers including CLHIA, is the report’s silence on the important question of how a national pharmacare would be delivered. On that, CLHIA’s response emphasized that a future program must ensure that all Canadians can access affordable prescription medicines no matter where they live and work in Canada. A balanced solution will ensure that the system is sustainable into the future and protects the health benefit plans that Canadians value.

    The advisory council’s final report is slated for release in June, four months before the federal election.

    Benefits fraud is a real crime with real consequences

    Published on 04/03/2019

    Compliance > Fraud risk management

    March is national Fraud Prevention Month and CLHIA is using the month to educate consumers of the signs, risks and real consequences of benefits fraud.

    Our efforts have continued to promote the Fraud = Fraud website and campaign launched late last year to raise awareness of benefits fraud and how to recognize, refuse and report it. As part of this, CLHIA issued a national news release, and have promoted Fraud = Fraud assets in our social media channels. To help member companies, we also prepared updated banners and a Fraud Prevention Month toolkit located on our Member Centre that includes social media content and messaging.

    Fraud Prevention Month is an annual campaign supported by the federal government and industry that seeks to help Canadians to recognize, reject and report fraud.

    Sponsored by CLHIA with the support of our member companies, the Fraud = Fraud website has attracted 99,000 unique visitors, generated national media attention and has close to 400,000 views of the video and 7,000 social media hits.

    CLHIA Comments on the Ontario Auto Insurance Consultation

    Published on 15/02/2019

    Disability Group Insurance Insurance > Long term disability Paramedical benefits Employee benefit plans Provincial & Territorial Legislation

    Comments on 2019-20 FSRA Priorities and Budget

    Published on 08/02/2019

    Compliance Insurance > Fair treatment of customers (FTC) Conduct of business (Commercial practices) Provincial & Territorial Legislation

    Earlier this month, the CLHIA made a submission to the FSRA’s public consultation on its 2019-20 priorities and budget. Our submission emphasized our support for FSRA’s proposed core priorities in the areas of reducing regulatory burden and improving regulatory effectiveness. The CLHIA recommended that the new agency find opportunities for policy review with the aim of eliminating overlap and duplication, consider establishing a dedicated life and health insurance industry advisory committee, and harmonize the fair treatment of consumers guidance with existing CCIR-CISRO Guidance.

    The CLHIA looks forward to continuing to collaborate with Ontario’s new financial sector regulator in the months ahead.

    2019 Alberta Budget Submission

    Published on 11/02/2019

    Pensions and Retirement Prescription Drug Costs Taxation > Annuities Pooled registered pension plans/PRPPs (and provincial variations) Drug pricing Premium tax

    2019 Ontario Budget Submission

    Published on 05/02/2019

    Prescription Drug Costs Capital and Assets Taxation Insurance > Drug pricing Generic drug pricing Long-term investments Provincial and Territorial Taxation Premium tax Provincial & Territorial Legislation

    Proposed Amendments to Ontario Regulation 201/96 made under the Ontario Drug Benefit Act

    Published on 31/01/2019

    Prescription Drug Costs > Provincial & territorial drug program information

    On January 31, the CLHIA responded to draft regulations on proposed changes to OHIP+ that were issued on January 2. The CLHIA recommended moving forward with Trillium Drug Program (TDP) automation as well as regulatory changes to ensure that employers do not eliminate drug coverage for youth under 25.

    The Fall Economic Statement noted that the planned changes to OHIP+ would occur in March 2019. Any child/youth with coverage through a private insurance plan must submit prescription drug claims to their existing private coverage. Children/youth without coverage through a private insurance plan will be eligible to submit any excess out-of-pocket costs to the TDP. TDP is available to all Ontarians and is means-tested so that the deductible required to be paid out-of-pocket increases with household income.

    2019 Newfoundland and Labrador Budget Submission

    Published on 30/01/2019

    Prescription Drug Costs > Pharmacare

    CLHIA Submission on the 2019 Federal Government Budget Consultation

    Published on 29/01/2019

    Pensions and Retirement Prescription Drug Costs Taxation Trade & Commerce International > Annuities Registered Products (RRSP, LIRA, RRIF) Drug pricing Pharmacare Federal Taxation Corporate Tax International Trade

    The CLHIA has submitted the industry's views into the 2019 federal pre-budget consultation and a number of provincial consultations, including BC, Alberta, Ontario, Newfoundland, Manitoba, and Nova Scotia. These submissions focused on key policy issues for the industry, including pharmacare, infrastructure investments, pensions, provincial taxes, and climate change. Final submissions can be found on the public side of the CLHIA website.

    2019 Nova Scotia Budget Submission

    Published on 17/12/2018

    Government Relations > Government Monitoring

    Global insurance industry letter on IFRS 17 follow up on IASB November Board Meeting

    Published on 07/12/2018

    International Taxation > Network of Insurance Associations International Taxation

    Submission on the 2019 Quebec Budget

    Published on 28/11/2018

    Government Relations > Government Monitoring

    CLHIA Submission on Reducing Regulatory Burden for Private Label Products

    Published on 28/11/2018

    Prescription Drug Costs > Drug pricing Generic drug pricing

    CANADIAN LIFE AND HEALTH INSURANCE INDUSTRY RESPONDS TO ADVISOR INPUT: Makes Key Changes to New Guideline on Compensation Disclosure

    Published on 21/11/2018

    Distribution > CLHIA Distribution guidelines and reference documents Advisor regulatory requirements Market conduct Sales practices

    2019 Manitoba Budget Submission

    Published on 05/11/2018

    Government Relations > Government Monitoring

    CANADIAN LIFE AND HEALTH INSURANCE INDUSTRY LAUNCHES NATIONAL CAMPAIGN TO COMBAT FRAUD

    Published on 31/10/2018

    Advocacy Campaign Group Insurance > Employee benefit plans

    Cannabis Use and Insurance

    Published on 16/10/2018

    Group Insurance Prescription Drug Costs > Employee benefit plans Drug pricing

    2019 British Columbia Budget Submission

    Published on 15/10/2018

    Capital and Assets Prescription Drug Costs Taxation > Long-term investments Drug pricing GST/HST/Sales Tax Premium tax

    Enhancing the efficiency of retirement income options for older Canadians

    Published on 27/09/2018

    Pensions and Retirement > Retirement Income System Reviews

    CLHIA Submission to Advisory Council on National Pharmacare

    Published on 03/10/2018

    Prescription Drug Costs > Pharmacare

    CANADIAN LIFE AND HEALTH INSURANCE SHOWS STRONG GROWTH ACROSS THE BOARD IN 2017

    Published on 27/09/2018

    Group Insurance > Coordination of benefits Dental insurance Employee benefit plans Travel insurance

    Consultation re Guideline No. 9 – Searching for Un‐locatable Members of a Pension Plan

    Published on 06/09/2018

    Pensions and Retirement > Employer pension plans Retirement Income System Reviews

    Unclaimed Pension Entitlements

    Published on 23/08/2018

    Pensions and Retirement

    Cooperative Capital Markets Regulator

    Published on 07/08/2018

    Submissions

    IFRS 17 - Canadian request for two-year Implementation Date Deferral

    Published on 02/08/2018

    Financial Reporting > International Financial Reporting Standards

    CLHIA 2019 Federal Pre-Budget Submission

    Published on 02/08/2018

    Taxation > Federal Taxation

    CLHIA WELCOMES THE ANNOUNCEMENT OF CHANGES TO OHIP +

    Published on 30/06/2018

    Prescription Drug Costs > Provincial & territorial drug program information Pharmacare

    MARK SYLVIA OF EMPIRE LIFE ELECTED AS CLHIA’S 2018-19 CHAIR

    Published on 21/06/2018

    CLHIA Governance > Board of Directors

    CLHIA WELCOMES THE ANNOUNCEMENT OF ADVISORY COUNCIL ON THE IMPLEMENTATION OF PHARMACARE

    Published on 20/06/2018

    Prescription Drug Costs > Provincial & territorial drug program information Pharmacare

    Adoption du projet de loi 141 sur la réforme du secteur financier

    Published on 13/06/2018

    Government Relations Insurance > Government Monitoring Provincial & Territorial Legislation

    CLHIA RESPONDS TO ADVISOR CONCERNS OVER NEW COMPENSATION DISCLOSURE GUIDELINE G19

    Published on 31/05/2018

    Distribution > CLHIA Distribution guidelines and reference documents Advisor regulatory requirements

    TAXING HEALTH BENEFIT PLANS WOULD HURT MAJORITY OF CANADIANS

    Published on 24/05/2018

    Group Insurance Prescription Drug Costs > Employee benefit plans Pharmacare

    L’industrie de l’assurance tient à l’adoption du projet de loi 141

    Published on 10/05/2018

    Government Relations > Government Monitoring

    Joint Letter to Alberta Regarding a Single Financial Sector Regulator

    Published on 09/03/2018

    Compliance > Conduct of business (Commercial practices)

    Globe and Mail supplement: Fraud Prevention Month, March 2018

    Published on 08/03/2018

    Group Insurance > Employee benefit plans

    NORTH AMERICAN INSURANCE ASSOCIATIONS AFFIRM SUPPORT OF NAFTA

    Published on 01/03/2018

    International > International Association of Insurance Supervisors (IAIS)

    Comments on Health Canada’s consultation on the proposed amendments to the Patented Medicines regulations

    Published on 13/02/2018

    Health Care Policy Prescription Drug Costs > Drug pricing Pharmacare

    CLHIA DELAYS IMPLEMENTATION OF NEW COMPENSATION DISCLOSURE GUIDELINE BY SIX MONTHS

    Published on 05/02/2018

    Insurance > CLHIA Insurance guidelines and reference documents

    LIFE AND HEALTH INSURANCE INDUSTRY WELCOMES LOWERING OF GENERIC DRUG PRICES

    Published on 29/01/2018

    Health Care Policy > Generic drug pricing

    Consultation on the Proposed Approach to the Regulation of Cannabis

    Published on 20/01/2018

    Insurance Prescription Drug Costs > Federal Legislation Drug pricing

    Understanding Claims for Treatment of Obstructive Sleep Apnea with Positive Airway Pressure (PAP) Devices

    Published on 03/01/2018

    Group Insurance > CLHIA Group Insurance guidelines and reference documents Paramedical benefits Employee benefit plans

    This Reference Document is meant for informational purposes only. All claims for PAP devices will be adjudicated in accordance with the terms of the group benefit plan under which they are being claimed. In the event of a discrepancy between this Reference Document and the group benefit plan, the provisions of the group benefit plan will apply.

    Industry input to the external review of Canada's eight pan-Canadian health organizations

    Published on 24/11/2017

    Health Care Policy > Business continuation / pandemic planning

    Submssion to Health Canada

    OSFI IFRS 17: Insurance Contracts Standard - Project Plan Timelines

    Published on 23/11/2017

    Financial Reporting > International Financial Reporting Standards

    Submission to OSFI

    New Regulatory Capital Framework and Taxation of Non-resident Life Insurers

    Published on 22/11/2017

    Capital and Assets > Minimum Continuing Capital and Surplus Requirements

    Submission to Department of Finance

    Improving drug access and affordability : Can public and private payers do more, together?

    Published on 01/12/2017

    Prescription Drug Costs > Drug pricing Pharmacare

    Karen Voin, CLHIA's Vice President, Group Benefits and Anti-Fraud, presents the association's efforts on bridging the public-private divide.

    CLHIA Opening Remarks to the House of Commons Standing Committee on Health - Appearance on Pharmacare

    Published on 19/10/2017

    Prescription Drug Costs > Drug pricing Generic drug pricing Provincial & territorial drug program information Pharmacare

    Canada’s life and health insurers believe all Canadians should be able to access affordable prescription drugs. Today, prescription drugs costs are too high and we know there are gaps in coverage. However, meaningful reductions in prices and improving access for all Canadians can be achieved today working within our current system. Canada’s insurers are keen to help and believe we have much to offer.

    CLHIA Views on the Ontario Private Member’s Bill 162

    Published on 18/10/2017

    Insurance > Provincial & Territorial Legislation

    Bill 162, an Act to amend the Insurance Act to Authorize Life Settlements, seeks to amend section 115 of the Ontario Insurance Act to provide for an exception to the current rule which prohibits any person, other than an insurer or its duly authorized agent, from trafficking or trading in life insurance policies. The Bill seeks to provide an exception to this prohibition for a life insurance policy if the purchase is from the original policyholder and the policy has been held for at least 36 months. The Bill also provides for a 10-day cooling-off period, during which time the agreement for the sale of a life insurance policy may be cancelled.

    CLHIA's further comments on the Life Insurance Agent Market Conduct Questionnaire

    Published on 16/10/2017

    Distribution > Advisor regulatory requirements

    The CLHIA has identified a few comments on the Life Insurance Agent Market Conduct Questionnaire missed in our original submission. We believe these comments may be of value to FSCO and have summarized them.

    Submission to the Department of Finance Canada on the Review of the Federal Financial Sector Framework

    Published on 06/10/2017

    Capital and Assets > Long-term investments

    The Canadian life and health insurance industry appreciates the opportunity to provide comments on the Department of Finance’s second consultation paper on the review of the federal financial sector review, Potential Policy Measures to Support a Strong and Growing Economy: Positioning Canada’s Financial Sector for the Future.

    LIFE AND HEALTH INSURANCE COVERAGE IN CANADA EXPERIENCES GROWTH IN 2016

    Published on 27/09/2017

    Pensions and Retirement > Annuities Public pensions (OAS/CPP/QPP/GIS) Employer pension plans Registered Products (RRSP, LIRA, RRIF) Retirement Income System Reviews

    Financial sector reform: consumers deserve a more modern regulatory framework

    Published on 27/09/2017

    Insurance > Federal Legislation

    The Canadian Life and Health Insurance Association (ACCAP-Quebec) joins the many other associations and businesses who have long been calling for the introduction of the financial sector reform bill.

    CLHIA welcomes new detailed invoice at Quebec’s pharmacies

    Published on 15/09/2017

    Prescription Drug Costs > Provincial & territorial drug program information

    Empowering employees to make healthy choices - Workplace wellness programs

    Published on 12/09/2017

    Group Insurance > Employee benefit plans

    Published in the National Post's "Health Literacy" supplement

    BC Dental College statement on third party billing

    Published on 11/09/2017

    Group Insurance > Dental insurance

    The draft Statement addresses the current obligations of dentists to treat colleagues and patients fairly in all financial dealings. The insertion of a third party biller into the referral to a dental laboratory or other third party entity, can introduce inflated or hidden fees that BC plan sponsors and individual plan members may be funding. These kinds of practices can threaten the sustainability of dental benefit plans.

    CLHIA Standardized Advisor Practice Review for Use in the MGA channel

    Published on 21/08/2017

    Distribution > CLHIA Distribution guidelines and reference documents

    2018 Federal Budget Submission

    Published on 04/08/2017

    Taxation > Federal Taxation

    Our recommendations align with the Government's priorities to support the middle class, create jobs and set the right conditions for long-term prosperity for Canadians.

    CLHIA comments on the CCIR Strategic Plan 2017 - 2020

    Published on 31/07/2017

    Distribution > Advisor regulatory requirements

    We commend the CCIR on developing a progressive Strategic Plan that balances the need for consumer protection with a thriving marketplace for life and health insurance products and services.

    CLHIA response to Health Canada Consultation on amendments to Patented Medicines Regulations

    Published on 26/06/2017

    Prescription Drug Costs > Drug pricing

    The Canadian Life and Health Insurance Association Inc. (CLHIA) appreciates the opportunity to provide comments on Health Canada’s Consultation on proposed amendments to the Patented Medicines Regulations.

    Consultations on the renegotiation of the North American Free Trade Agreement (NAFTA)

    Published on 24/07/2017

    Trade & Commerce

    On behalf of our member companies, the Canadian Life and Health Insurance Association (CLHIA) would like to take this opportunity to submit the industry’s views on the renegotiation of the North American Free Trade Agreement (NAFTA).

    LIFE AND HEALTH INSURANCE INDUSTRY SUPPORTS LOWER PRICING FOR GENERIC DRUGS

    Published on 17/07/2017

    Health Care Policy > Generic drug pricing

    The life and health insurance industry in Quebec welcomes Health Minister Gaétan Barrette’s announcement that an agreement has been reached with generic drug manufacturers to significantly lower generic drug prices.

    North American Insurance Associations Agree on the Benefits of NAFTA

    Published on 22/06/2017

    Government Relations International > Government Monitoring International Association of Insurance Supervisors (IAIS) International Monitoring Network of Insurance Associations International Trade

    The Canadian Life and Health Insurance Association, Insurance Bureau of Canada, American Council of Life Insurers, American Insurance Association, and Mexican Association of Insurance Companies have come together to issue a joint statement supporting efforts to modernise NAFTA. Insurers in all three markets continue to benefit from the agreement. As such, while we will support efforts to modernise the Agreement, we would not wish to see any changes that would jeopardise gains already achieved.

    Serving Clients Through Needs-Based Sales Practices - Training Module

    Published on 06/06/2017

    Insurance > CLHIA Insurance guidelines and reference documents

    Reference Document

    Advisor Disclosure Best Practices - Training Material

    Published on 06/06/2017

    Insurance > CLHIA Insurance guidelines and reference documents

    Reference Document

    CLHIA Comments on FSCO's draft 2017 Statement of Priorities

    Published on 23/05/2017

    Compliance Insurance > Fair treatment of customers (FTC) Conduct of business (Commercial practices) Provincial & Territorial Legislation

    Submission

    APPOINTMENT: PAUL MAHON

    Published on 12/06/2017

    CLHIA Governance > Board of Directors

    The members of the Canadian Life and Health Insurance Association (CLHIA) have elected Paul Mahon, President and CEO, Great-West Lifeco, Great-West Life, London Life and Canada Life as Chair.

    A Canadian Success Story: PROMOTING TRADE IN LIFE AND HEALTH INSURANCE

    Published on 16/05/2017

    International > International Trade CLHIA International Trade Policy Paper

    This position paper briefly describes the benefit of trade in financial services to Canada, the participation of our insurance companies in foreign markets, and the policy directions the Canadian government should take to promote and facilitate trade, particularly for financial services.

    RVER : un début prometteur, selon les assureurs

    Published on 28/04/2017

    Pensions and Retirement > Pooled registered pension plans/PRPPs (and provincial variations)

    Health care dollars lost to fraud are everyone's concern

    Published on 16/03/2017

    Group Insurance > Employee benefit plans

    The Globe and Mail's Fraud Prevention Report

    Letter to the Alberta Minister of Health Re: High cost of dental care

    Published on 14/03/2017

    Group Insurance > Dental insurance

    Submission

    Opening remarks to the Quebec Public Finance Committee as part of the consultations on the future of the Quebec Pension Plan

    Published on 18/01/2017

    Pensions and Retirement > Public pensions (OAS/CPP/QPP/GIS)

    Submission on the document "Strengthening the Plan to Promote Greater Intergenerational Fairness", and the support document "Observations on Retirement in Quebec"

    Published on 17/01/2017

    Pensions and Retirement > Public pensions (OAS/CPP/QPP/GIS) Pooled registered pension plans/PRPPs (and provincial variations) Registered Products (RRSP, LIRA, RRIF) Retirement Income System Reviews

    When it comes to buying life insurance, there's no time like now when you're young and healthy > notimelikenow.ca

    Published on 21/03/2017

    Information Updates

    When it comes to buying life insurance, there’s no time like now when you're young and healthy
    notimelikenow.ca

    2017 New Brunswick Budget Submission

    Published on 08/12/2016

    Taxation

    CLHIA Response to "Pooled Registered Pension Plans (Manitoba) Act"

    Published on 25/11/2016

    Pensions and Retirement > Pooled registered pension plans/PRPPs (and provincial variations)

    CLHIA submission to Finance Canada regarding the Review of Federal Financial Sector Framework

    Published on 15/11/2016

    Insurance > Federal Legislation

    Submission

    LIFE AND HEALTH INSURANCE INDUSTRY APPLAUDS ONTARIO ADOPTION OF PRPPS

    Published on 11/11/2016

    Pensions and Retirement > Pooled registered pension plans/PRPPs (and provincial variations)

    LIFE AND HEALTH INSURANCE INDUSTRY WELCOMES SUPPORT FOR GREATER TRANSPARENCY AT THE PHARMACY

    Published on 10/11/2016

    Prescription Drug Costs > Drug pricing

    Comments on Proposed Supervision Framework and Publishing Principles for FCAC Decisions

    Published on 10/11/2016

    Compliance > Corporate governance

    Submission

    2017 Manitoba Budget Submission

    Published on 08/11/2016

    Taxation > Provincial and Territorial Taxation

    LIFE AND HEALTH INSURANCE INDUSTRY REACTS TO FEDERAL FALL ECONOMIC STATEMENT

    Published on 01/11/2016

    Capital and Assets > Long-term investments

    IVIC Suitability Needs-Based Sales Practices

    Published on 31/10/2016

    Distribution > CLHIA Distribution guidelines and reference documents

    CLHIA response to PMPRB Guidelines Modernization Discussion Paper

    Published on 14/10/2016

    Prescription Drug Costs > Drug pricing

    Risk-based Global Insurance Capital Standard Version 1.0

    Published on 19/10/2016

    Capital and Assets > Minimum Continuing Capital and Surplus Requirements

    2017 British Columbia Budget Submission

    Published on 14/10/2016

    Taxation > Provincial and Territorial Taxation

    Review of Ontario's Solvency Funding Framework for Defined Benefit Pension Plans

    Published on 30/09/2016

    Pensions and Retirement > Employer pension plans

    Submission to Ontario's Ministry of Finance

    CLHIA response to CCIR's Travel Insurance Products Issues Paper

    Published on 30/09/2016

    Group Insurance > Travel insurance

    Submission to CCIR Secretariat

    Pension Plan Investment in Canada: The 30 Per Cent Rule

    Published on 16/09/2016

    Taxation > Policyholder Tax Tax Deferred Products (RRSP, RESP, TFSA, RDSP, RRIF)

    In the workplace retirement sphere, CLHIA member companies are major providers of record-keeping and investment management services to Canada's defined contribution pensions, and to capital accumulation plans more broadly, primarily for small- and medium-size employers.

    Canadian Life and Health Insurance Facts, 2016 Edition

    Published on 15/09/2016

    Capital and Assets Distribution Group Insurance Insurance Pensions and Retirement > Long-term investments Minimum Continuing Capital and Surplus Requirements Coordination of benefits Employee benefit plans Travel insurance Segregated Funds (IVICs) Annuities Public pensions (OAS/CPP/QPP/GIS) Pooled registered pension plans/PRPPs (and provincial variations) Employer pension plans Registered Products (RRSP, LIRA, RRIF)

    LIFE AND HEALTH INSURANCE INDUSTRY CONTINUES GROWTH TREND BASED ON RETIREMENT SOLUTIONS MARKET

    Published on 15/09/2016

    Pensions and Retirement > Annuities Public pensions (OAS/CPP/QPP/GIS) Pooled registered pension plans/PRPPs (and provincial variations) Employer pension plans Registered Products (RRSP, LIRA, RRIF) Retirement Income System Reviews Wealth & Retirement

    Today, the Canadian Life and Health Insurance Association (CLHIA) released the 2016 edition of Canadian Life and Health Insurance Facts. In addition to a new look for this annual publication, the industry’s “factbook” illustrates yet another year of strong growth in 2015, despite the ongoing challenging economic conditions.

    Task Force on Cannabis Legalization and Regulation: Toward the Legalization, Regulation and Restriction of Access to Marijuana

    Published on 02/09/2016

    Group Insurance Prescription Drug Costs > Employee benefit plans Pharmacare

    The Government of Canada has made its decision to legalize cannabis and we appreciate the work that the Task Force has undertaken to make recommendations related to the structure of a legalized cannabis regime.

    Regulations under the Pooled Registered Pension Plans Act, 2015

    Published on 19/08/2016

    Pensions and Retirement > Pooled registered pension plans/PRPPs (and provincial variations)

    2017 Federal Budget Submission

    Published on 07/10/2016

    Taxation > Federal Taxation

    RETIRING SOON? -- NEW WEB-BASED RESOURCE NOW AVAILABLE

    Published on 03/08/2016

    Consumers Pensions and Retirement > Financial Literacy Initiatives CLHIA Consumer Publications and Tools Wealth & Retirement

    CLHIA Response to Consultation Paper on Consent and Privacy

    Published on 26/07/2016

    Trade & Commerce > Privacy

    Submission to the Office of the Privacy Commissioner of Canada

    Letter to Finance Canada re Transitional Rules for "Exempt" Life Policies

    Published on 02/06/2016

    Taxation > Provincial and Territorial Taxation

    CLHIA seeks modification to the year-end 2016 transitional rules arising from the taxation of policyholders

    Industry comments on the revised draft Capital Market Stability Act

    Published on 06/07/2016

    Capital and Assets > Securities

    Submission to the Cooperative Capital Markets Regulatory System

    CLHIA Letter to Alberta Dental Association and College

    Published on 30/06/2016

    Group Insurance > Dental insurance

    Letter to CCIR re: revised Guideline G7

    Published on 29/06/2016

    Compliance Group Insurance > Conduct of business (Commercial practices) Creditor’s group insurance

    Letter to AMF re: Complaint Handling

    Published on 29/06/2016

    Consumers > Complaint Handling

    Follow up on the industry’s recent meetings with the Autorité des marchés financiers (AMF) about consumer complaint handling practices

    CLHIA comments on Payments Canada's consultation paper

    Published on 27/06/2016

    Trade & Commerce > Payments System

    The Canadian Life and Health Insurance Association Inc. (CLHIA) appreciates the opportunity to provide comments on Payments Canada’s consultation document entitled Developing a Vision for the Canadian Payment Ecosystem.

    CLHIA's comments on the preliminary policy recommendations of the Expert Committee

    Published on 06/06/2016

    Insurance > Provincial & Territorial Legislation

    Submission

    Consultation regarding the request to increase the scope of practice by Alberta's chiropractors

    Published on 02/06/2016

    Group Insurance > Regulated professions

    Submission

    It’s time for national cooperation on retirement income security

    Published on 01/06/2016

    Pensions and Retirement > Retirement Income System Reviews

    On Wednesday, June 1, 2016, this open letter from a coalition of 15 organizations was published in the following 10 newspapers across the country

    APPOINTMENT: DEAN CONNOR

    Published on 31/05/2016

    CLHIA Governance > Board of Directors

    The members of the Canadian Life and Health Insurance Association (CLHIA) have elected Dean Connor, President and CEO, Sun Life Financial Inc. as Chair.

    CLHIA Comments on FSCO's draft 2016 Statement of Priorities

    Published on 31/05/2016

    Insurance > Provincial & Territorial Legislation

    Submission

    CLHIA Comments on PIPEDA data breach notification & reporting regulations consultation

    Published on 30/05/2016

    Trade & Commerce > Privacy

    Submission to Innovation, Science and Economic Development Canada

    Physician referrals for chiropractic services reimbursed through health plans

    Published on 27/04/2016

    Group Insurance > Paramedical benefits Regulated professions

    Response to the Ontario Medical Association

    Big changes afoot for life agents?

    Published on 22/04/2016

    Distribution > Market conduct Sales practices

    Investment Executive May 2016

    Letter to the pan-Canadian Pharmaceutical Alliance regarding subsequent entry biologics

    Published on 21/04/2016

    Prescription Drug Costs > Drug pricing

    SEB First Principles

    Information regarding the 2016-2017 Quebec budget

    Published on 17/03/2016

    Insurance

    Reforming Canada's Patented Medicine Prices Review Board [PMPRB]

    Published on 26/02/2016

    Prescription Drug Costs > Drug pricing

    Follow up to meeting with Federal Minister of Health

    CLHIA to Minister Hunter re: ORPP cost-benefit analysis

    Published on 08/02/2016

    Pensions and Retirement > Pooled registered pension plans/PRPPs (and provincial variations)

    Submission

    Submission regarding Canada’s ratification of the Trans Pacific Partnership Agreement (TPP) Canada’s ratification of the Trans Pacific Partnership Agreement (TPP)

    Published on 22/02/2016

    International > International Trade

    Letter to Honourable Chrystia Freeland, Minister of International Trade

    Time for creativity to finance Canada’s infrastructure, Frank Swedlove, President and CEO, CLHIA

    Published on 25/02/2016

    Capital and Assets > Long-term investments

    Canada’s insurers are very able and more willing than ever to play a larger role in making sure Canada builds the infrastructure the country needs in a timely and affordable fashion.

    ACCAP-QUEBEC CALLS FOR FAIR PRICING FOR PRESCRIPTION DRUGS FOR ALL QUEBECERS

    Published on 24/02/2016

    Prescription Drug Costs > Drug pricing Generic drug pricing

    News Release

    CLHIA Response to AcSB Exposure Draft on applying IFRS 9 Financial Instruments with IFRS 4 Insurance Contracts

    Published on 08/02/2016

    Financial Reporting > International Financial Reporting Standards

    The CLHIA commends the significant efforts of the Canadian Accounting Standards Board ("AcSB") to work with the International Accounting Standards Board (IASB) to bring about potential solutions for the misalignment in the effective dates of implementing the new insurance contracts Standard and IFRS 9.

    CLHIA Submission to IASB re Applying IFRS 9 Financial Instruments with IFRS 4 Insurance Contracts Exposure Draft

    Published on 08/02/2016

    Financial Reporting > International Financial Reporting Standards

    The Association appreciates the IASB's efforts to address concerns about the misalignment in the effective dates of implementing the new insurance contracts Standard and IFRS 9. We are pleased to provide responses to the specific questions posed in the IFRS 4 exposure draft on Applying IFRS 9 Financial Instruments with IFRS 4 Insurance Contracts.

    CLHIA comments on CAPSA's strategic plan for 2016-2019

    Published on 29/01/2016

    Pensions and Retirement > Retirement Income System Reviews

    The Canadian Life and Health Insurance Association (CLHIA) appreciates the opportunity to provide input as CAPSA prepares its Strategic Plan for the 2016-2019 period.

    CLHIA Submission on FSCO Mandate Review

    Published on 18/12/2015

    Distribution > Market conduct

    Submission to the Ministry of Finance Expert Advisory Panel

    CLHIA response to the Revised Cooperative Capital Markets Act and Draft Initial Regulations

    Published on 16/12/2015

    Insurance > Federal Legislation Segregated Funds (IVICs)

    CLHIA Submission

    GFIA comments on characteristics and indicators of terrorist risks

    Published on 22/01/2016

    Compliance International > Anti-money laundering/anti-terrorist financing Financial Action Task Force (FATF) Network of Insurance Associations

    In response to a request from the Financial Action Task Force, the Global Federation of Insurance Associations surveyed insurers to see if they have developed terrorist financing characteristics and risk indicators.

    Ontario Securities Commission Rule 91-507- Trade Repositories and Derivatives Data Reporting

    Published on 01/02/2016

    Capital and Assets Insurance > Securities Segregated Funds (IVICs)

    CLHIA submission

    2016 Ontario Budget Submission

    Published on 29/01/2016

    Taxation > Provincial and Territorial Taxation

    Submission to Honourable Charles Sousa

    2016 New Brunswick Budget Submission

    Published on 18/01/2016

    Taxation > Provincial and Territorial Taxation

    Submission to the Honourable Roger Melanson

    CLHIA comments on the November 2015 position paper, Modernizing the New Brunswick Insurance Licensing Framework

    Published on 21/01/2016

    Distribution > Advisor regulatory requirements Market conduct

    Submission

    CLHIA commends PMPRB on proposed changes to the price review process for new drugs (Section C.11)

    Published on 11/01/2016

    Prescription Drug Costs > Drug pricing

    Comments on the Patented Medicine Prices Review Board's Initiative #2

    CLHIA comments on the Revised Draft Capital Markets Act (“draft CMA”) and the Draft Initial Regulations

    Published on 16/12/2015

    Capital and Assets Insurance > Securities Segregated Funds (IVICs)

    Submission

    CLHIA Comments on FICOM's bulletin on creditor's group insurance (CGI)

    Published on 04/12/2015

    Distribution > Alternate distribution

    Submission

    CLHIA comments regarding Alberta's creditor's group insurance (CGI) and critical illness coverage

    Published on 07/12/2015

    Distribution > Alternate distribution

    Submission to the Alberta Insurance Council

    Identifying cost drivers influencing dental service fees in Alberta

    Published on 30/11/2015

    Group Insurance > Dental insurance

    Submission

    CLHIA comments on OSFI Draft Guideline E-22

    Published on 26/11/2015

    Compliance > Corporate governance

    Submission

    OSFI's proposed counterparty risk charge for life reinsurance ceded to registered reinsurers

    Published on 24/11/2015

    Risk Management > Reinsurance

    Submission

    Industry feedback to CADTH on proposed changes to the Common Drug Review and Oncology Drug Review Procedures

    Published on 16/11/2015

    Prescription Drug Costs > Drug pricing Pharmacare

    Submission

    GFIA Submission on US PFIC Tax Regulations

    Published on 29/10/2015

    International > International Taxation

    CLHIA Comments on British Columbia's LLQP Course Providers

    Published on 15/10/2015

    Distribution > Advisor regulatory requirements

    Submission

    CLHIA Comments on Facilitating Pension Evolution

    Published on 16/10/2015

    Pensions and Retirement > Pooled registered pension plans/PRPPs (and provincial variations)

    Submission

    CLHIA highlights policy priorities to Prime Minister Justin Trudeau

    Published on 04/11/2015

    Government Relations > Government Monitoring

    Manitoba Budget Submission 2016

    Published on 27/10/2015

    Taxation > Provincial and Territorial Taxation

    Pre-budget consultation

    British Columbia's 2016 Budget Submission

    Published on 15/10/2015

    Taxation > Provincial and Territorial Taxation

    Submission to the Select Standing Committee on Finance and Government Services

    2015 and 2016 Alberta Budget Submission

    Published on 14/09/2015

    Taxation > Provincial and Territorial Taxation

    Pre-budget consultation

    Response to the New Brunswick Association of Optometrists

    Published on 01/10/2015

    Group Insurance > Employee benefit plans Regulated professions

    Eye wear sales over the internet

    CLHIA Comments on Proposed Draft Legislation: “Synthetic Equity Arrangements”

    Published on 02/10/2015

    Taxation > Federal Taxation

    Submission to Finance Canada

    Report on the Application of the Act respecting the distribution of financial products and services

    Published on 30/09/2015

    Insurance > Provincial & Territorial Legislation

    Submission

    LIFE AND HEALTH INSURANCE INDUSTRY WELCOMES THE ANNOUNCEMENT ON THE TRANS PACIFIC PARTNERSHIP (TPP)

    Published on 05/10/2015

    International > International Trade

    The Canadian Life and Health Insurance Association (CLHIA) is encouraged by today's announcement of a successful conclusion to the TPP negotiations.

    CLHIA expresses concerns to Federal Health Minister about costs of a national pharmacare program

    Published on 22/09/2015

    Prescription Drug Costs > Pharmacare

    Letter to Honourable Rona Ambrose

    Submission to Legislative Review of New Brunswick's Worker's Compensation Act

    Published on 25/09/2015

    Disability > Long term disability

    The submission outlines our member's concerns and further explains how NB's current Worker's Compensation (WC) legislation has negatively impacted individuals with employer-sponsored group insurance plans.

    CLHIA comments on British Columbia's initial public consultation paper on FIA and the Credit Union Incorporation Act

    Published on 15/09/2015

    Insurance > Provincial & Territorial Legislation

    The association provided input on the Initial Public Consultation Paper for the Review of British Columbia's Financial Institutions Act & Credit Union Incorporation Act.

    GFIA Comments on OECD paper "Conflicts of interest in retirement financial advice - Background report"

    Published on 14/08/2015

    International > Network of Insurance Associations

    Submission

    CLHIA Comments on Consultations on a Voluntary Supplement to the Canada Pension Plan

    Published on 03/09/2015

    Pensions and Retirement > Public pensions (OAS/CPP/QPP/GIS)

    Submission to the Department of Finance

    Regulation of Massage Therapists in Quebec

    Published on 01/09/2015

    Group Insurance > Regulated professions

    CLHIA encourages the province to follow the lead of other provinces by regulating massage therapists

    NEW NATIONAL STANDARD ESTABLISHED BY CANADIAN INSURERS AND RHEUMATOLOGISTS TO PROVIDE ACCESS TO BIOLOGIC DRUGS

    Published on 02/09/2015

    Health Care Policy Group Insurance Prescription Drug Costs > Generic drug pricing Employee benefit plans Catastrophic drug coverage Generic drug pricing Provincial & territorial drug program information Pharmacare

    GFIA comments on IAIS consultation on draft issues on conduct of business in inclusive insurance

    Published on 13/08/2015

    International > International Association of Insurance Supervisors (IAIS) Network of Insurance Associations

    GFIA comments on IAIS draft paper on issues in regulation and supervision of microtakaful (Islamic microinsurance)

    Published on 13/08/2015

    International > International Association of Insurance Supervisors (IAIS) Network of Insurance Associations

    GFIA comments on IAIS issues paper “Conduct of business risk and its management”

    Published on 13/08/2015

    International > International Association of Insurance Supervisors (IAIS) Network of Insurance Associations

    Submission to Health Canada regarding 'Potential Impacts of Draft Tamper-Resistance Properties of Drugs Regulations'

    Published on 11/08/2015

    Prescription Drug Costs > Drug pricing Provincial & territorial drug program information

    Updating Pension Portability Rules for Retiring Plan Members in Ontario

    Published on 10/08/2015

    Pensions and Retirement > Employer pension plans

    Recent changes to Ontario's Pension Benefits Act prevent defined contribution pension plan members from converting their entitlements to annuities once they pass normal retirement age, even if they are not receiving income payments from the pension plan. This submission recommends corrective, retroactive, changes to the PBA.

    Submission to Finance Canada concerning the unintended scope of Bill C-377

    Published on 05/08/2015

    Taxation > Federal Taxation

    Industry seeks amendment of section 149.01 of the Income Tax Act

    CLHIA Federal Budget Submission 2016

    Published on 11/02/2016

    Taxation > Federal Taxation

    Submission

    CLHIA is pleased to respond to the New Brunswick Literacy Secretariat's consultation paper, engageNB Literacy

    Published on 29/07/2015

    Consumers > Financial Literacy Initiatives

    The Canadian Life and Health Insurance Association (CLHIA) is pleased to respond to the New Brunswick Literacy Secretariat's consultation paper, engageNB Literacy.

    CLHIA comments on the proposed regulation "Exception from Passive Income for Certain Foreign Insurance Companies"

    Published on 23/07/2015

    Taxation > International Taxation

    Submission to the Internal Revenue Service

    CLHIA recommends New Brunswick amend pension regulation to promote retirement income sustainability and harmonization with other jurisdictions

    Published on 29/07/2015

    Pensions and Retirement > Registered Products (RRSP, LIRA, RRIF)

    Canada's life insurance industry recommends a simple regulatory amendment to reduce the risk that former members of pension plans will outlive their retirement savings

    Canadian Life and Health Insurance Industry submission on Access to Prescription Drugs in New Brunswick

    Published on 24/07/2015

    Prescription Drug Costs > Drug pricing Provincial & territorial drug program information

    Industry input to the Discussion Paper published by the Department of Health in June 2015

    CLHIA's comments on the proposed Prearranged Funeral Services Act Regulation

    Published on 28/07/2015

    Distribution > Sales practices

    Our comments on the proposed regulation relate to the provisions intended to establish special licensing requirements for funeral directors who sell prearranged funeral plans funded by insurance

    Letter to the Canadian Pharmacists Association regarding an updated pharmacy claims standard

    Published on 14/07/2015

    Group Insurance > Regulated professions

    Industry thoughts regarding our preferred governance approach for the updated claims standard.

    CLHIA responds to Finance Canada consultation on the retail payments system in Canada

    Published on 14/07/2015

    Trade & Commerce > Payments System

    CLHIA provides comments on consultation paper "Balancing Oversight and Innovation in the Ways We Pay"

    Letter to David Dodge re Infrastructure and P3s

    Published on 25/06/2015

    Capital and Assets > Long-term investments

    Canad's life and health insurance industry recommends that Alberta build on the success of Alberta Infrastructure and expand the use of P3s to fund long-term infrastructure projects.

    APPOINTMENT: Mary Forrest

    Published on 17/06/2015

    CLHIA Governance > Board of Directors

    The members of the Canadian Life and Health Insurance Association (CLHIA) have elected Mary Forrest, President and Chief Executive Officer, North America (Life) of Munich Reinsurance Company as Chair.

    CLHIA Comments on FSCO Mandate Review June 2015

    Published on 05/06/2015

    Insurance > Provincial & Territorial Legislation

    Submission on the Ontario Ministry of Finance's paper, "Review of the Mandates of the Financial Services Commission of Ontario, Financial Services Tribunal and the Deposit Insurance Corporation of Ontario"

    CLHIA Comments on FSCO's Draft 2015 Statement of Priorities

    Published on 08/06/2015

    Insurance > Provincial & Territorial Legislation

    Letter to Brian Mills, CEO and Superintendent of Financial Services (Interim)

    GFIA Comments on India's Second Exposure Draft Regulations for Registration and Operations of Branch Offices of Foreign Reinsurers (excluding Lloyd’s)

    Published on 12/06/2015

    International > Network of Insurance Associations

    Submission to the Insurance Regulatory and Development Authority of India (IRDAI)

    Letter to Alberta's new Minister of Finance regarding premium taxes and long-term disabilty contracts

    Published on 02/06/2015

    Taxation > Provincial and Territorial Taxation

    OECD's Revised Discussion Draft on BEPS Action 7 (Prevent the Artificial Avoidance of PE Status)

    Published on 12/06/2015

    International Taxation > Network of Insurance Associations International Taxation

    GFIA response

    LIFE AND HEALTH INSURANCE INDUSTRY WELCOMES NEW NATIONAL FINANCIAL LITERACY STRATEGY

    Published on 09/06/2015

    Consumers > Financial Literacy Initiatives

    The Canadian life and health insurance industry congratulates Minister of State (Finance) Kevin Sorenson and Financial Literacy Leader Jane Rooney on today's launch of a national financial literacy strategy.

    CLHIA encourages Saskatchewan to regulate massage therapists

    Published on 22/05/2015

    Group Insurance > Regulated professions

    Submission

    Insurance Association of China responds to GFIA's comments regarding C-ROSS

    Published on 11/03/2015

    Insurance Risk Management > Reinsurance Network of Insurance Associations

    Response from the President of IAC

    Submission to Ontario concerning the proposed regulations under Parts V & VII of the Insurance Act

    Published on 19/05/2015

    Insurance > Provincial & Territorial Legislation

    GFIA Documents on OECD Discussion Draft on BEPs Action 3: Strengthening CFC Rules

    Published on 01/05/2015

    International > Network of Insurance Associations

    The proposals in the discussion draft are complicated and conflicting, partly because they need to address both worldwide and territorial tax systems, which has resulted in inconsistencies due to the fundamental differences between the two approaches

    Globe and Mail supplement April 2016

    Published on 27/04/2016

    Information Updates

    Globe and Mail supplement April 2016

    Response to Ontario Rheumatology Assocation regarding criteria for access to biologics

    Published on 22/04/2015

    Prescription Drug Costs > Drug pricing

    Responding to the issue of harmonizing criteria for accessing biologics in rheumatoid arthritis.

    LIFE AND HEALTH INSURANCE INDUSTRY WELCOMES BUDGET MEASURES

    Published on 21/04/2015

    Capital and Assets > Long-term investments

    The Canadian life and health insurance industry welcomes a number of measures in today's federal budget. "We are particularly pleased with those aimed at enhancing opportunities for long-term investment," says President and CEO of the Canadian Life and Health Insurance Association (CLHIA) Frank Swedlove. "We support the increased funding for infrastructure, most notably the recognition that P3 alternative financing can be an effective contributor. We also support the further release of 50-year government bonds over the next year," he noted.

    GFIA submission to B20 on this year’s International Trade Priorities

    Published on 26/03/2015

    International > Network of Insurance Associations International Trade

    Highlights the importance of open markets and a level playing field in the global insurance sector.

    GFIA comments on Ecuador's new regulatory and supervisory regime and the impact on the reinsurance market

    Published on 13/03/2015

    International > Network of Insurance Associations

    GFIA believes such regulations could reduce the effectiveness of the Ecuadorian reinsurance market to support the development of the insurance industry, limit its ability to enhance the resilience of insurers and restrict the access to new modern international products and know-how.

    HPRAC Consultation on Podiatry and Chiropody

    Published on 20/03/2015

    Group Insurance > Employee benefit plans

    As an industry, we are supportive of change that assists in protection of the public and minimizing confusion. The proposed changes are a positive step towards those goals. However, these changes only address some of the concerns related to foot care in Ontario.

    THE BETTER WAY - PUBLIC AND PRIVATE SECTORS WORKING TOGETHER TO REFORM PHARMACARE IN CANADA

    Published on 26/03/2015

    Prescription Drug Costs > Pharmacare

    News Release

    CLHIA Comments on OECD BEPS Action Plan 8, 9 & 10

    Published on 23/02/2015

    Taxation > International Taxation

    The Canadian Life and Health Insurance Association comments on the Discussion Draft on Revisions to Transfer Pricing Guidelines (Risk, Recharacterization and Special Measures) that was released in December, 2014 by the OECD.

    GFIA comments to the Insurance Association of China regarding recent proposals by the China Insurance Regulatory Commission

    Published on 27/02/2015

    International > Network of Insurance Associations

    The Global Federation of Insurance Associations (GFIA) is concerned about recent proposals that would impose excessive capital charges and collateral requirements on transactions between Chinese ceding insurers and reputable, financially sound offshore reinsurers.

    GFIA response to the IAIS public consultation on risk-based global insurance capital standard (ICS)

    Published on 16/02/2015

    International

    The GFIA hopes that the IAIS finds this submission helpful in highlighting the many points of commonality in the insurance industry's thinking around the world

    CLHIA Submission on Ontario Retirement Pension Plan: Key Design Questions

    Published on 13/02/2015

    Pensions and Retirement > Pooled registered pension plans/PRPPs (and provincial variations)

    The life and health insurance industry strongly urges the government to reconsider several of the key design elements of the ORPP in order to better promote the retirement income prospects of Ontario workers

    NEW DATA SHOWS MAJOR PROBLEMS WITH ORPP DESIGN

    Published on 12/02/2015

    Pensions and Retirement > Pooled registered pension plans/PRPPs (and provincial variations)

    New research for the Canadian Life and Health Insurance Association (CLHIA) raises significant concerns about the impact of the proposed Ontario Registered Pension Plan (ORPP) on the retirement savings of Ontario workers.

    GFIA Comments on OECD Transfer Pricing Discussions

    Published on 06/02/2015

    International > Network of Insurance Associations

    Comments on OECD Discussion Draft on BEPS Actions 8, 9 and 10: Discussion draft on revisions to Chapter I of the Transfer Pricing Guidelines (including risk recharacterisation, and special measures)

    GFIA comments on Chairman Otoritas Jasa Keuangan's draft regulation on the “own retention and domestic reinsurance support”

    Published on 26/01/2015

    International > Network of Insurance Associations

    We believe the announced draft regulation will need careful analysis before implementation to avoid unintended, potentially harmful effects on Indonesia and its citizens.

    GFIA Comments on OECD Discussion Draft on "BEPS Action 7"

    Published on 09/01/2015

    Insurance

    Preventing the Artificial Avoidance of Permanent Establishment (PE) Status

    CLHIA Response to the Financial Consumer Agency of Canada's (FCAC) consultation paper, "Towards a National Strategy for Financial Literacy, Phase 3: Young Canadians and Adults"

    Published on 23/12/2014

    Consumers > Financial Literacy Initiatives

    The Canadian Life and Health Insurance Association Inc. (CLHIA) is pleased to provide comments in response to the Financial Consumer Agency of Canada's (FCAC) consultation paper, "Towards a National Strategy for Financial Literacy, Phase 3: Young Canadians and Adults".

    CLHIA Proposal on a Restricted Insurance Agency Licensee (RIAL) Advisory Committee of the Saskatchewan Insurance Councils

    Published on 19/12/2014

    Distribution > Alternate distribution

    As indicated in our June 2013 proposal, we strongly believe the purpose of the Advisory Committee would be to ensure the Councils have the benefit of expert information and advice when dealing with issues involving RIALs. The Advisory Committee approach could provide access to such expertise without adding unnecessary or burdensome additional structures.

    GFIA comments on the China Risk Oriented Solvency System (C-ROSS)

    Published on 18/12/2014

    International > Network of Insurance Associations

    These provisions would impose excessive capital charges and collateral requirements on cross-border transactions between Chinese ceding insurers and reputable, financially sound reinsurers located in foreign jurisdictions.

    GFIA Response to FSB Consultation on Critical Functions

    Published on 17/12/2014

    International > Network of Insurance Associations

    GFIA supports the FSB’s encouragement of cross-border supervisory co-operation on resolution and trying to develop a common understanding of critical services. GFIA also welcomes the recognition that critical functions would differ according to jurisdiction and to particular market conditions and the implication that a one-size fits-all approach would therefore not be appropriate.

    GFIA Response to IAIS Draft Procedures

    Published on 17/12/2014

    International > International Association of Insurance Supervisors (IAIS)

    Given the decision to close all meetings by default and to exclude stakeholders from the IAIS annual conference, GFIA members remain concerned about the lack of face-to-face communication between the IAIS and stakeholders

    CLHIA Comments on FCAC's consultation paper, "Toward a National Strategy for Financial Literacy, Phase 2: Priority Groups"

    Published on 10/12/2014

    Consumers > Financial Literacy Initiatives

    Submission to Jane Rooney, Financial Literacy Leader, FCAC

    GFIA comments on India's Insurance Amendment Bill

    Published on 31/10/2014

    International > Network of Insurance Associations

    Proposed Foreign Direct Investment increase

    British Columbia's proposed regime for levying administrative monetary policies

    Published on 31/10/2014

    Insurance > Provincial & Territorial Legislation

    Response to letter of September 9, 2014, re: comments on British Columbia’s proposed regime for levying administrative monetary penalties (AMPs).

    Accounting for Dynamic Risk Management: a Portfolio Revaluation Approach to Macro Hedging

    Published on 17/10/2014

    Financial Reporting > International Financial Reporting Standards

    Comments on the Discussion Paper Accounting for Dynamic Risk Management: a Portfolio Revaluation Approach to Macro Hedging, issued by the International Accounting Standard Board ("IASB")

    Proposed Amendments to the Pension Benefits Standards Regulations and Pooled Registered Pension Plan Regulations

    Published on 27/10/2014

    Pensions and Retirement > Pooled registered pension plans/PRPPs (and provincial variations)

    Detailed comments regarding proposed amendments to the Pension Benefits Standards Regulations and Pooled Registered Pension Plan Regulations

    GFIA ICS Position for Amsterdam Observer Hearings

    Published on 20/10/2014

    International > Network of Insurance Associations

    GFIA appreciates the chance to provide input into the process of the ICS development. The previous informal consultation and the ten principles put forward by the IAIS provide valuable insight into current IAIS thinking of the design of the ICS, and constitute a useful basis on which to exchange views.

    Nova Scotia Funeral Insurance Regulation Consultation

    Published on 28/10/2014

    Distribution > Alternate distribution

    CLHIA comments on proposals regarding the sale of funeral insurance at funeral homes

    Limitation Period for the Reassessment of RRSP Trusts

    Published on 21/10/2014

    Pensions and Retirement > Registered Products (RRSP, LIRA, RRIF)

    We are writing to you to highlight a recent change in practice within the Canada Revenue Agency (CRA) that we believe will have a chilling effect on a large proportion of the Registered Retirement Savings Plan (RRSP) market in Canada

    GFIA Letter to the Australian G20 Presidency

    Published on 10/10/2014

    International > G20 Network of Insurance Associations

    In advance of the Brisbane Summit we would like to express our support for the work of the G20 and the significant role it plays in coordinating international economic decision-making between members.

    CLHIA comments regarding Alberta's discussion paper on the regulation of the financial sector

    Published on 02/10/2014

    Insurance > Provincial & Territorial Legislation

    We strongly agree with the statement in the discussion paper that the "current system is working well; stakeholders and Albertans are being well served". As you move towards an integrated, single regulator for pensions, insurance and financial institutions, we recommend that you continue with the collaborative approach that has been successful in the past.

    GFIA response to the IAIS "Draft Procedures on Meeting Participation and the Development of Supervisory and Supporting Material and Draft Policy for Consultation of Stakeholders"

    Published on 02/09/2014

    International > International Association of Insurance Supervisors (IAIS) Network of Insurance Associations

    Letter urges the IAIS to reconsider its proposed decision to generally exclude stakeholders from IAIS meetings.

    Replacement Disclosure

    Published on 05/09/2014

    Distribution > CLHIA Distribution guidelines and reference documents

    Response to Canadian Federation of Nurses Unions' Report on Pharmacare

    Published on 13/08/2014

    Prescription Drug Costs > Pharmacare

    GFIA Comments on Draft Issues Paper on Anti-Bribery and Corruption

    Published on 15/08/2014

    International > Network of Insurance Associations

    Submission

    GFIA Comments on IAIS Application Paper on Approaches to Conduct of Business Supervision

    Published on 08/08/2014

    Compliance International > Fair treatment of customers (FTC) Conduct of business (Commercial practices) International Association of Insurance Supervisors (IAIS)

    GFIA commends IAIS for a thoughtful paper which provides useful examples of the variety of approaches that regulators use to support the conduct of business principles set out in ICP 19.

    GFIA comments on the IAIS' second BCR consultation

    Published on 08/08/2014

    International > International Association of Insurance Supervisors (IAIS)

    Comments on the Basic Capital Requirements for Global Systemically Important Insurers (G-SIIs)

    2015 Federal Budget

    Published on 05/08/2014

    Capital and Assets > Long-term investments

    CLHIA submission

    CLHIA Comments on BIA Statutory Review

    Published on 21/07/2014

    Trade & Commerce > Bankruptcy Legislation

    Comments on the Statutory Review of the Bankruptcy and Insolvency Act and the Companies' Creditors Arrangement Act

    CLHIA Submission to IAIS on Supervisory Colleges

    Published on 25/07/2014

    International > International Association of Insurance Supervisors (IAIS)

    The CLHIA supports the IAIS’s goals, initiatives and views on the purpose, focus and processes of supervisory colleges as outlined in paragraphs 1.2, 1.3 and 1.4.

    Comments on the Accessibility for Manitobans Act (AMA)

    Published on 15/07/2014

    Disability > Accessibility

    Feedback on Discussion Paper on an Initial Proposed Customer Service Standard.

    CLHIA comments on HPRAC Initial Consultation – Chiropody and Podiatry Review

    Published on 04/07/2014

    Group Insurance > Paramedical benefits Regulated professions

    Comments about the current model of foot care in Ontario; feedback on issues relating to the regulation of chiropody and podiatry to assist in identifying any potential changes to the existing legislation regarding these related professions.

    GFIA Supports Business 20 (B20) Recommendations to G20 Trade Ministers

    Published on 16/07/2014

    International > Network of Insurance Associations

    GFIA hopes the G20 will move forward with the actions suggested by the B20 which are outlined in this submission.

    GFIA comments on Otoritas Jasa Keuangan (OJK) Letters regarding Indonesian Reinsurance Cessions

    Published on 11/06/2014

    International > Network of Insurance Associations

    The Global Federation of Insurance Associations (GFIA) has written to Coordinating Minister Chairul Tanjung to draw attention to a recent development in Indonesia. Concerns stem from a series of informal actions undertaken by the Non-bank Financial Institutions division of the Otoritas Jasa Keuangan (“OJK”), which on December 2, 2013 sent letters to all admitted insurance companies licensed in Indonesia.

    GFIA Response to the EIOPA Informal Consultation on the Supervision of Non-EEA (Third Country) Branches

    Published on 02/07/2014

    International > Network of Insurance Associations

    The goal of achieving a consistently high level of policyholder protection, as embodied in these guidelines, is a commendable one and one we support as an industry. However, there remain several strong concerns with the guidelines as they are currently drafted, and overall we believe they are disproportionate to the aim of achieving an appropriate level of policyholder protection.

    CLHIA's comments on FCAC's recent consultation paper "Toward a National Strategy For Financial Literacy - Phase 1: Strengthening Seniors' Financial Literacy"

    Published on 14/07/2014

    Consumers > Financial Literacy Initiatives

    Our comments primarily address the first goal. We believe that creating the right conditions for seniors, indeed all Canadians, to take ownership of their financial preparedness is key to the success of the financial literacy strategy. Several important elements contribute to engagement.

    Proposed Regulation to Implement Ontario's Pension Benefits Act Section 27(2)

    Published on 12/06/2014

    Pensions and Retirement > Employer pension plans Registered Products (RRSP, LIRA, RRIF)

    Submission

    Letter to the Department of Finance Re: Pension Innovation for Canadians: The Target Benefit Plan

    Published on 23/06/2014

    Pensions and Retirement > Retirement Income System Reviews

    Letter to Ontario Ministry of Finance Re: Proposed Regulation to Implement Pension Benefits Act Section 39.1

    Published on 10/06/2014

    Pensions and Retirement > Employer pension plans Registered Products (RRSP, LIRA, RRIF)

    Letter to Financial and Consumer Affairs Authority of Saskatchewan Re: Consultation Paper: Non-Residency Unlocking of Pension Funds

    Published on 20/06/2014

    Pensions and Retirement > Employer pension plans Registered Products (RRSP, LIRA, RRIF)

    Letter to India's Finance Minister on foreign direct investment

    Published on 11/06/2014

    International > Network of Insurance Associations

    Submission by the Global Federation of Insurance Associations (GFIA)

    CLHIA Comments on FSCO's Draft 2014 Statement of Priorities

    Published on 29/05/2014

    Distribution Insurance > Advisor regulatory requirements Market conduct Federal Legislation

    Proposed Changes to "financial hardship un-locking" of Alberta locked-in products

    Published on 26/05/2014

    Pensions and Retirement > Registered Products (RRSP, LIRA, RRIF)

    Submission

    Delays in Processing Applications for New and Renewal Life Licences in New Brunswick

    Published on 23/04/2014

    Distribution > Market conduct Sales practices

    Submission

    GFIA Comments on IAIS Issues Paper "Approaches to Group Corporate Governance"

    Published on 24/04/2014

    International > International Association of Insurance Supervisors (IAIS)

    Submission

    Comments on the draft regulation respecting voluntary retirement savings plans

    Published on 22/04/2014

    Pensions and Retirement > Pooled registered pension plans/PRPPs (and provincial variations)

    Submission

    Letter to OECD: Representation of Insurance Industry in National Account

    Published on 14/03/2014

    International > Network of Insurance Associations International Trade

    Submission

    Comments regarding New Brunswick's Draft Regulations concerning the Prescription and Catastrophic Drug Insurance Act

    Published on 20/03/2014

    Prescription Drug Costs > Catastrophic drug coverage

    Submission

    Letter to The Honourable Ron Lemieux Re: Greater transparency of pharmacy fees in Manitoba

    Published on 13/03/2014

    Prescription Drug Costs > Generic drug pricing

    Submission

    Letter to Senate Committee re off-label prescribing

    Published on 04/03/2014

    Prescription Drug Costs > Generic drug pricing

    Submission

    CLHIA's Proposal on Keeping Regulators Informed

    Published on 04/03/2014

    Compliance > Culture of compliance Self-evaluation and confidentiality

    Submission

    CLHIA Comments on Insurance Council of British Columbia's proposed Conflict of Interest Guidelines

    Published on 24/02/2014

    Distribution > Market conduct Sales practices

    Submission

    CLHIA comments on CCIR's Strategic Plan 2014-2017

    Published on 13/02/2014

    Insurance > Provincial & Territorial Legislation

    Submission

    GFIA response to the IAIS Basic Capital Requirement consultation

    Published on 03/02/2014

    Capital and Assets International > Minimum Continuing Capital and Surplus Requirements International Association of Insurance Supervisors (IAIS)

    Submission

    CLHIA submission to Honourable Charles Sousa regarding the upcoming Ontario budget

    Published on 22/01/2014

    Taxation > Provincial and Territorial Taxation

    GFIA comments on FSB Guidance on Supervisory Interaction with Financial Institutions on Risk Culture

    Published on 31/01/2014

    International > Network of Insurance Associations

    CLHIA's comments on the Ministry of Finance's consultation "Securing Our Future: Strengthening Retirement Income in Ontario through Pooled Registered Pension Plans"

    Published on 20/01/2014

    Pensions and Retirement > Pooled registered pension plans/PRPPs (and provincial variations)

    Submission

    CLHIA Comments on Manitoba's second draft for a proposed Restricted Licensing Regime

    Published on 06/01/2014

    Distribution > Alternate distribution

    Submission

    Submission to Finance and Bank of Canada on Debt Management Consultation

    Published on 15/11/2013

    Capital and Assets > Securities

    2014 British Columbia Budget Submission

    Published on 15/10/2013

    Pensions and Retirement Taxation

    CLHIA Submission

    GFIA Response to Action 4 of the OECD's Action Plan on Base Erosion and Profit Shifting (BEPS)

    Published on 16/10/2013

    International > Network of Insurance Associations

    GFIA comments on FSB Draft Implementation Guidance: Resolution of Insurers Questions for consultation

    Published on 21/10/2013

    International > Network of Insurance Associations

    CLHIA comments re: Compliance and Enforcement Notice of Consultation CRTC 2013-527

    Published on 30/10/2013

    Distribution > Sales practices

    Regarding the National Do Not Call List (DNCL)

    Consultation on the document “Autonomy for All”

    Published on 21/10/2013

    Health Care Policy > Long-term Care

    Longevity risk transfer markets: market structure, growth drivers and impediments, and potential risks

    Published on 18/10/2013

    Risk Management > Actuarial Science

    Comments on the Joint Forum of Basel Committee on Banking Supervision paper

    CLHIA Comments on the Application of the Key Attributes of Effective Resolution Regimes to Insurers

    Published on 15/10/2013

    International Risk Management > International Association of Insurance Supervisors (IAIS) Actuarial Science

    Submission to the Financial Stability Board

    GFIA Letter to IAIS re: Supplemental Comments on Draft ICP 22

    Published on 20/09/2013

    International > International Association of Insurance Supervisors (IAIS)

    GFIA comments on FSB principles for an effective risk appetite framework

    Published on 30/09/2013

    International > Network of Insurance Associations

    Letter to Prime Minister Harper Re: Upcoming Speech from the Throne - Concerning prescription drugs and long-term care

    Published on 09/09/2013

    Health Care Policy > Generic drug pricing Long-term Care

    GFIA Comments on IAIS Issues Paper on Policyholder Protection Schemes

    Published on 26/08/2013

    International > International Association of Insurance Supervisors (IAIS)

    GFIA letter to OECD concerning contribution of insurers to economic growth and financial stability

    Published on 02/09/2013

    International > G20 Network of Insurance Associations

    CLHIA comments regarding CCIR's Position Paper on Electronic Commerce in Insurance Products

    Published on 26/07/2013

    Trade & Commerce > Electronic Commerce

    CLHIA comments to FICOM re: MGA Guideline

    Published on 18/07/2013

    Distribution > Advisor regulatory requirements

    CLHIA comments re: Manitoba's Proposed Framework for a Restricted Licensing Regime

    Published on 05/07/2013

    Distribution > Alternate distribution

    Opening Remarks re Bill C-377 from the Canadian Life and Health Insurance Association

    Published on 10/06/2013

    Group Insurance > Employee benefit plans

    Appearance before the Standing Senate Committee on Banking, Trade and Commerce

    GFIA comments on latest version of the IAIS Branches Issues Paper

    Published on 28/05/2013

    International > International Association of Insurance Supervisors (IAIS) International Monitoring

    This submission by GFIA consists of feedback and proposed edits (in track changes) on the latest version of the IAIS Insurance Groups and Cross-Sectoral Issues Subcommittee's paper.

    Comments regarding Alberta's Estate Administration Reform Project - Discussion Guide

    Published on 30/04/2013

    Insurance > Provincial & Territorial Legislation

    Submission to Alberta Justice and Solicitor General

    CLHIA submission on the Consultation on a Plurilateral Trade in Services Agreement (TISA)

    Published on 30/04/2013

    International > International Trade

    LIFE AND HEALTH INSURANCE INDUSTRY WELCOMES D'AMOURS REPORT ON A SUSTAINABLE RETIREMENT SYSTEM IN QUEBEC

    Published on 18/04/2013

    Pensions and Retirement > Public pensions (OAS/CPP/QPP/GIS) Pooled registered pension plans/PRPPs (and provincial variations)

    The life and health insurance industry congratulates the committee led by Alban D'Amours on its Report, Innovating for a Sustainable Retirement System, released yesterday. In particular, the industry welcomes the committee's support for voluntary retirement savings plans (VRSPs) and the recommendation for their speedy introduction.

    GFIA Letter to Russian Deputy Minister of Finance

    Published on 10/04/2013

    International > Network of Insurance Associations

    CLHIA Comments on the Nova Scotia Mortgage Regulation

    Published on 27/03/2013

    Distribution Insurance > Advisor regulatory requirements Provincial & Territorial Legislation

    GFIA Letter to Russian Central Bank

    Published on 29/03/2013

    International > Network of Insurance Associations

    GFIA Comments on the IRDA’s (Life Insurance-Reinsurance) Regulations, 2013

    Published on 02/04/2013

    International > Network of Insurance Associations

    2013 Newfoundland and Labrador Budget Submission

    Published on 18/03/2013

    Taxation > Provincial and Territorial Taxation

    2013 Nova Scotia Budget Submission

    Published on 11/03/2013

    Taxation > Provincial and Territorial Taxation

    2013 New Brunswick Budget Submission

    Published on 13/03/2013

    Taxation > Provincial and Territorial Taxation

    GFIA submission to IAIS regarding volunteer industry participation in the ComFrame Field Testing Task Force

    Published on 06/03/2013

    International > International Association of Insurance Supervisors (IAIS) Network of Insurance Associations

    GFIA Submission

    GFIA Letter to Indian Prime Minister concerning Insurance Laws Bill 2008

    Published on 05/03/2013

    International > Network of Insurance Associations

    2013 Ontario Budget Submission

    Published on 28/02/2013

    Pensions and Retirement Taxation > Pooled registered pension plans/PRPPs (and provincial variations) GST/HST/Sales Tax

    2013 Manitoba Budget Submission

    Published on 27/02/2013

    Pensions and Retirement Taxation > Pooled registered pension plans/PRPPs (and provincial variations) GST/HST/Sales Tax

    2013 Prince Edward Island Budget Submission

    Published on 21/02/2013

    Pensions and Retirement Taxation > Pooled registered pension plans/PRPPs (and provincial variations) GST/HST/Sales Tax

    GFIA comments on systemic risk in insurance

    Published on 25/02/2013

    International > International Association of Insurance Supervisors (IAIS)

    GFIA Comments on Issues Paper on Supervision of Cross-Border Operations Through Branches

    Published on 18/02/2013

    International > Network of Insurance Associations

    Letter to Monsieur Réjean Hébert Re: Regulation of Massage Therapy - Quebec

    Published on 06/02/2013

    Group Insurance > Regulated professions

    CLHIA comments on OSFI Corporate Governance Guideline for FRFIs

    Published on 15/01/2013

    Insurance > Federal Legislation

    Comments to the Canadian Securities Administrators Re: Consultation Paper 91-301

    Published on 04/02/2013

    Capital and Assets Insurance > Securities Segregated Funds (IVICs)

    Bill C-377 [An Act to amend the Income Tax Act (requirements for labour organizations)]

    Published on 31/01/2013

    Taxation Pensions and Retirement > Federal Taxation Tax Deferred Products (RRSP, RESP, TFSA, RDSP, RRIF)

    GFIA Comments regarding Confidentiality of Information for the 15 January 2013 ComFrame Dialogue

    Published on 11/01/2013

    International > Network of Insurance Associations

    Submission to Ontario Ministry of Finance Re: Proposed Changes to Ontario's Financial Hardship Unlocking Regulations

    Published on 07/01/2013

    Pensions and Retirement > Registered Products (RRSP, LIRA, RRIF)

    GFIA Corporate Governance Comments

    Published on 09/01/2013

    Compliance International > Corporate governance Network of Insurance Associations

    Observer comments to IAIS on Branches

    Published on 14/12/2012

    International > International Association of Insurance Supervisors (IAIS)

    GFIA response to the IAIS consultation on proposed policy measures for G-SIIs

    Published on 21/12/2012

    International > International Association of Insurance Supervisors (IAIS)

    France mini FATCA for trusts

    Published on 17/09/2012

    Compliance > Compliance trends and developments

    Understanding Claims for Footwear and Orthotics

    Published on 01/03/2018

    Group Insurance > CLHIA Group Insurance guidelines and reference documents Paramedical benefits Employee benefit plans

    Guaranteed Withdrawal Benefit (GWB) Illustrations

    Published on 22/03/2011

    Distribution Insurance > CLHIA Distribution guidelines and reference documents Product disclosure CLHIA Insurance guidelines and reference documents Segregated Funds (IVICs)

    The purpose of this Guideline is to describe the information that should be included in illustrations of IVICs offering guaranteed withdrawal benefits. In particular, the Guideline identifies features that could be misunderstood by consumers or which are affected by consumer decisions and recommends practices to assist in explaining these.