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Consumer Publications

CLHIA produces the following consumer publications on life and health insurance designed to assist Canadian consumers in making informed choices for themselves and their families.

You can also read these publications on any wireless device such as your smart phone or tablet.

A guide to the coordination of benefits
This guide will help you navigate the claims process when you have access to benefits from more than one health or dental plan. Learn which plan pays first and how they deal with dependent children, post-secondary students and retirees. It will also explain how your benefits are calculated and what special rules can apply.
A guide to disability insurance
This guide is designed to help you understand disability insurance and explain what your options are for income replacement in the event you become disabled.
Questions about life annuities
This guide is designed to help you understand a life annuity contract between you and a life insurance company.
A guide to life insurance
An essential guide to life insurance: types of policies; premiums, riders and dividends; and services offered by agents and advisors. The reader is also taken through the application and claims process.
A guide to long-term care insurance
This booklet is designed to help you understand long-term care insurance and how it can help you prepare financially for future long-term care needs. More information – and help – is available from your financial advisor or insurance company.
Key facts about segregated funds contracts
Essential reading if you are considering adding a segregated fund contract to your investment portfolio. This Key Facts booklet will help you understand the basics of segregated fund contracts, their special features and guarantees, who is qualified to sell segregated fund contracts and what you should ask before you buy. Read this booklet and become a more informed investor.
A guide to supplementary health insurance
A nuts-and-bolts guide to the supplementary health insurance that complements your public health insurance coverage. Whether you are covered under a group plan provided by your employer or are thinking of purchasing an individual policy, this easy-to-read booklet can help with key information such as what services are covered; how deductibles, coinsurance and maximums work; and how to make a claim.
A guide to travel health insurance
A review of the supplementary health insurance Canadians need when they travel out of country or out of province. Readers are provided with a list of questions to ask in order to understand better the provisions and restrictions of their policies. Tips are also included to help make the claims process as smooth as possible.
Your Virtual Shoebox Guide: keeping track of your personal and financial household documents