RESPONDING TO YOUR QUESTIONS & CONCERNS Consumers with questions or complaints can call the OmbudService for Life and Health Insurance (OLHI) for bilingual information and assistance. The OLHI is an independent service that provides free information about life and health insurance companies and insurance products and services, as well as assistance with complaints. Questions For information enquiries call the national toll-free information lines in English or French between 9am and 5pm Eastern time.  In English 1-800-268-8099 In Toronto 416-777-2344 In French 1-800-361-8070 In Montreal 514-845-6173 Concerns For assistance with a complaint call the national toll-free telephone lines in English or French between 9am and 5pm Eastern time. In English 1-888-295-8112 In Toronto 416-777-9002 In French 1-866-582-2088 In Montreal 514-282-2088
ENSURING YOUR FINANCIAL PROTECTION Impact of current financial market events on life insurance and annuity policyholders Download this publication       Consumer Protection Plan Assuris is an independent, not-for-profit organization established and funded by the industry. It protects Canadian policyholders in the event that their life insurance company should fail. Call the Assuris Information Centre: 1-866-878-1225
HELPING YOU UNDERSTAND INSURANCE PRODUCTS 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.
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.		Download this publication
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.		Download this publication
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.		Download this publication
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.		Download this publication
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.		Download this publication
Key Facts About Segregated Fund 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.		Download this publication
Consumer Tips: RRSPs with Life Insurance Companies An overview of current RRSP contribution guidelines; types of RRSPs available through life insurance companies; and the advantages offered by life insurance companies.		Download this publication

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