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.

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.

Our clients
Inputs

Client premiums

$4.85 billion in direct written premium

Outputs

Financial protection

$2.04 billion in claims and benefits paid

Outcomes

Clients have their financial needs covered when they need it most. Our advice, products and services lead to client trust and strong brand reputation.

Impacts

Our clients have financial security and peace of mind. Clients feel they have secure financial futures and have a resilient mindset.

Our members
Inputs

Democratic governance

45 member organizations send 123 delegates from across Canada to govern our organization.

Outputs

Financial protection

$14.6 million in Member Loyalty Program payments.

Outcomes

We build lasting, positive relationships with our members 98% Member Relationship Index.

Impacts

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.

Canadian communities and the co-operative sector
Inputs

Insights into unmet needs in communities across Canada

Our community partners help uncover environmental, social and economic needs that require solutions.

Outputs

Community investments

5.3% pre-tax profit donated to support charities and non-profits.

Outcomes

A larger, more equitable proportion of Canadians have access to mental health supports, healthy environments, and meaningful work and employability opportunities.

Impacts

Canadian communities are more sustainable and resilient.

Employees and Financial Advisors
Inputs

Time and work effort

Our people work to deliver on our mission.

Outputs

Growth and development

An average of $568 per employee spent on training and development.

Outcomes

We attract and retain top talent 93% employee retention rate.

Impacts

Our employees feel part of an equitable, engaged society, whose citizens have equal opportunities to grow and realize their potential.