2021 Trends and Issues

As the world changes, we change with it.

In a dynamic and fast-changing society, we stay connected to trends and issues that emerge, and take action to anticipate, as well as respond and adapt to change.

Learn more about 2021 trends and issues (pdf)

Climate Crisis

Climate change is the greatest challenge of our times. In Canada, climate-related risks are expanding, and there has been a stark increase in catastrophic losses in recent decades. Setting net-zero targets, expanding impact investing and transition finance goals, and building resilience through our climate-risk protection products and advice are some of the actions we’re taking. Learn more about our climate action and advocacy.


The COVID-19 pandemic continued to impact our clients, members, communities and organization, as epidemiological waves occurred across Canada and around the world. We prioritized the financial security of our clients through ongoing financial relief, we invested in community resilience with expanded community contributions, and we prioritized employee health and well-being in remote work environments.

Truth and Reconciliation

The intergenerational traumas inflicted against Indigenous communities in Canada were brought to the forefront in 2021 — precipitated by the tragic uncovering of the unmarked graves of 215 Indigenous children of the K’emlúps te Secwépemc First Nation at a residential school in Kamloops, British Columbia. There is an urgent need for justice and the dismantling of systemic racism against Indigenous communities. Co-operators is working with partners, like the Canadian Centre for Diversity and Inclusion, to integrate principles of Truth and Reconciliation into our governance, our business decisions, and the social-impact frameworks that guide our business strategy, practices, partnerships and programs.

Consumer preferences

As society continues to adapt to a world of physical distancing, due to the pandemic, the rise of digital engagement is only accelerating. More and more, whether it’s shopping for shoes or booking a hotel, business transactions are conducted virtually, from the comfort of home. And, now, insurance and investing services are being held to the same standard. It’s imperative that we stay competitive — not only within our industry, but with the new level of digital experiences that our clients have come to expect. Learn more about our digital evolution.

We’re working together, in a cycle of shared prosperity

Through our advice, products, investments and partnerships, we provide solutions that meet the needs of our members, clients and communities. Over time, these solutions lead to positive impacts and outcomes that improve financial security, sustainability and resilience.

Find out how we create value (pdf)