Creating value together
We provide solutions to meet the evolving needs of our members, clients and communities. Over time, these solutions lead to positive impacts and outcomes that improve both short-term and long-term financial security, sustainability and community resilience.
Our stakeholders are the people for whom we create value: our clients, members, communities and the co-operative sector, and our employees and Financial Advisors. These groups are interconnected and interdependent, among one another, and with the issues and trends that impact us all.
Our clients, members and communities provide us with the money, insights, partnerships and resources we require to operate our business and develop products, services and solutions to meet their needs.
The relationships we forge with members and clients, the products and services we develop, and the ways we invest build long-term positive environmental, social and financial impacts and outcomes for our stakeholders and the broader society.
We provide financial solutions and advice, pay claims to protect our clients’ financial security, invest in our communities, and provide financial, environmental and social value for our stakeholders.
A positive cycle powered by our stakeholders
We’ve highlighted some examples of how our value creation cycle works from the perspective of our clients, members, communities and our workforce.
$4.85 billion in direct written premium
$2.04 billion in claims and benefits paid
Clients have their financial needs covered when they need it most. Our advice, products and services lead to client trust and strong brand reputation.
Our clients have financial security and peace of mind. Clients feel they have secure financial futures and have a resilient mindset.
45 member organizations send 123 delegates from across Canada to govern our organization.
$14.6 million in Member Loyalty Program payments.
We build lasting, positive relationships with our members 98% Member Relationship Index.
Together, we help to uphold a thriving co-operative sector in Canada. The success of the co-operative business model contributes to a more democratic Canadian economy.
Insights into unmet needs in communities across Canada
Our community partners help uncover environmental, social and economic needs that require solutions.
5.3% pre-tax profit donated to support charities and non-profits.
A larger, more equitable proportion of Canadians have access to mental health supports, healthy environments, and meaningful work and employability opportunities.
Canadian communities are more sustainable and resilient.
Time and work effort
Our people work to deliver on our mission.
Growth and development
An average of $568 per employee spent on training and development.
We attract and retain top talent 93% employee retention rate.
Our employees feel part of an equitable, engaged society, whose citizens have equal opportunities to grow and realize their potential.