We are Canada’s independent complaint resolution service for consumers of Canadian life and health insurance.
Canadians trust us to resolve their insurance complaints about life, disability, employee health benefits, travel, and investment products such as annuities and segregated funds. We also provide general information about life and health insurance.
Our bilingual services are free and available to any consumer whose insurance company is an OLHI member. Canadian law requires most life and health insurance companies to be members of an independent dispute resolution service.
We are funded by our member companies that pay fees based on their size or volume of business. Our budget and associated fees are set each year by our Board of Directors based on the advice of staff.
To ensure impartiality, our operations are overseen by the Canadian Council of Insurance Regulators (CCIR) as well as our independent Board of Directors.