Companies and Groups

Innovative wellbeing solutions.
A simplified,
personal experience.

2024 Achievements in Group Benefits and Retirement Solutions

Highlights

Over 70 years of expertise: we efficiently manage group plans and support the total wellbeing of over 1.7 million Canadians.

Invested in you

Meeting ever-changing needs

Symbiosis

Launch of an all-in-one offering unique in the Canadian employee benefits market

Group FHSA

New savings instrument to improve access to home ownership

Disability

New partnerships for an optimized experience

4 inclusive coverages

Support for gender affirmation and families

Offer a simplified, personal experience

First-class service

  • Average customer service wait time 25% shorter than market benchmark
  • NMG 2023 study recognizes us as leader of their Business Capability Index[1]

Resource centre for plan administrators and sponsors

More flexibility in day-to-day plan management

Supporting total wellbeing

+ 147,000 views

on our education website

+ 500,000 people

have benefited from our financial health tools

+ 1,000 people

have taken advantage of our November webinars to learn how to better manage their finances

Educating and inspiring

Experts available from coast to coast

Nearly 60 activities throughout the year

Insights

New industry reference space featuring content that combines our expertise with a visionary perspective

1 The NMG Business Capabilities Index is a comprehensive composite score that evaluates provider performance by amalgamating intermediary feedback across 45 essential capabilities spanning relationship management, technology, proposition, product offer, initiatives, and operational management.

Download our 2024 highlights download

In the spotlight

Group insurance and retirement savings

Industry trends: our observations

Learn more

Group insurance and retirement savings

Symbiosis program: An innovative all-in-one offering

Learn more

Group insurance

Four new inclusive coverages

Learn more

Group retirement savings

Group FHSA: Improving access to home ownership

Learn more

Our achievements

Total wellbeing

Our education website has continued to grow in popularity since its launch last year, with an 11% increase in the number of users and a cumulative total of over 147,000 views. Creating value for organizations, this reference space reflects our commitment to meeting plan members’ need for information and education.

New webinar offering

In addition to constantly enriching the site with new articles, tips and advice, we’re now offering webinars to help plan members better understand the workings and benefits of their group plans and make informed decisions about their total wellbeing.

In November, we launched our first series of four webinars on managing personal finances during Financial Literacy Month. These webinars helped more than 1,000 people learn to better manage their finances and deepen their knowledge of retirement savings.

Find out more about our past and future webinars.

We offer a variety of information sessions, ranging in length from 20 to 60 minutes, to inform plan members and answer their questions.

To date, we offer some fifteen topics related to group insurance, retirement savings and total wellbeing. To best meet ever-changing needs, we have added three new sessions to our offering this year:

  • Group insurance 101
  • Investing for women | Building confidence
  • Debt management

To raise awareness among group insurance plan administrators and their employees, offer useful tips and help them change their perceptions and behaviours about mental health, we have rolled out a practical guide.

Our awareness and prevention guide contains five fact sheets that highlight these essential topics:

  • Stress management
  • Life-work balance
  • The impact of physical activity, sleep and diet on mental health

Discover our guide download .

In parallel, we also developed two podcasts on mental health:

November is Financial Literacy Month in Canada. To mark the occasion, we held a month-long communication campaign.

The objective of this campaign was to tackle the subject of personal finance management by highlighting the stories and experiences of three people with different profiles.

Topics covered

  • Paying off debt and saving
  • Buying a first home
  • Financial challenges related to immigration
  • Managing unforeseen events
  • Preparing for retirement

We also presented a series of webinars, in addition to other initiatives for plan members.

Find out more about our campaign.

Once again this year, we have deployed several campaigns to help plan members make informed decisions about managing their personal finances.

Here are a few examples of the campaigns:

  • RRSP
    Developed around the theme of the importance of adopting healthy financial habits, this campaign highlighted the advantages and simplicity of making contributions through pre-authorized payments or online. Whether it be the net cost of a contribution, the benefits of starting to save early in order to take advantage of compound interest, or the importance of completing an investor profile, all the essentials were presented in a clear and concise way.
  • Tax refund
    Based around the article “5 smart ways to use your tax refund,” this campaign, which ran over several months, was designed to help group plan members make the most of their tax return. We wanted to show how easy it can be to turn this once-yearly extra cash into a lasting financial boost.

Throughout the year, our specialists have contributed to the In your interest! podcast. These podcasts cover a range of topical issues relating to the economy and total wellbeing, in less than 10 minutes.

To optimally support plan members’ financial health and provide them with up-to-date information, tools and advice, we have enriched the Your Financial Wellness section with new content.

Group plan members can therefore benefit from over 90 varied articles in My Client Space, our secure website, on the following four personal financial pillars:

  • Make your budget
  • Protect your finances
  • Set your financial goals
  • Plan your retirement

The Financial Wellness Assessment questionnaire is also available in this section. It consists of four modules that each person can complete at their own convenience and pace. Plan members receive an overall score, personalized action plans and suggested resources to help them adopt and maintain good financial habits.

Total wellbeing

Our education website has continued to grow in popularity since its launch last year, with an 11% increase in the number of users and a cumulative total of over 147,000 views. Creating value for organizations, this reference space reflects our commitment to meeting plan members’ need for information and education.

New webinar offering

In addition to constantly enriching the site with new articles, tips and advice, we’re now offering webinars to help plan members better understand the workings and benefits of their group plans and make informed decisions about their total wellbeing.

In November, we launched our first series of four webinars on managing personal finances during Financial Literacy Month. These webinars helped more than 1,000 people learn to better manage their finances and deepen their knowledge of retirement savings.

Find out more about our past and future webinars.

We offer a variety of information sessions, ranging in length from 20 to 60 minutes, to inform plan members and answer their questions.

To date, we offer some fifteen topics related to group insurance, retirement savings and total wellbeing. To best meet ever-changing needs, we have added three new sessions to our offering this year:

  • Group insurance 101
  • Investing for women | Building confidence
  • Debt management

To raise awareness among group insurance plan administrators and their employees, offer useful tips and help them change their perceptions and behaviours about mental health, we have rolled out a practical guide.

Our awareness and prevention guide contains five fact sheets that highlight these essential topics:

  • Stress management
  • Life-work balance
  • The impact of physical activity, sleep and diet on mental health

Discover our guide download .

In parallel, we also developed two podcasts on mental health:

November is Financial Literacy Month in Canada. To mark the occasion, we held a month-long communication campaign.

The objective of this campaign was to tackle the subject of personal finance management by highlighting the stories and experiences of three people with different profiles.

Topics covered

  • Paying off debt and saving
  • Buying a first home
  • Financial challenges related to immigration
  • Managing unforeseen events
  • Preparing for retirement

We also presented a series of webinars, in addition to other initiatives for plan members.

Find out more about our campaign.

Once again this year, we have deployed several campaigns to help plan members make informed decisions about managing their personal finances.

Here are a few examples of the campaigns:

  • RRSP
    Developed around the theme of the importance of adopting healthy financial habits, this campaign highlighted the advantages and simplicity of making contributions through pre-authorized payments or online. Whether it be the net cost of a contribution, the benefits of starting to save early in order to take advantage of compound interest, or the importance of completing an investor profile, all the essentials were presented in a clear and concise way.
  • Tax refund
    Based around the article “5 smart ways to use your tax refund,” this campaign, which ran over several months, was designed to help group plan members make the most of their tax return. We wanted to show how easy it can be to turn this once-yearly extra cash into a lasting financial boost.

Throughout the year, our specialists have contributed to the In your interest! podcast. These podcasts cover a range of topical issues relating to the economy and total wellbeing, in less than 10 minutes.

To optimally support plan members’ financial health and provide them with up-to-date information, tools and advice, we have enriched the Your Financial Wellness section with new content.

Group plan members can therefore benefit from over 90 varied articles in My Client Space, our secure website, on the following four personal financial pillars:

  • Make your budget
  • Protect your finances
  • Set your financial goals
  • Plan your retirement

The Financial Wellness Assessment questionnaire is also available in this section. It consists of four modules that each person can complete at their own convenience and pace. Plan members receive an overall score, personalized action plans and suggested resources to help them adopt and maintain good financial habits.

Products and services

Always attentive to our clients’ needs, we broke ground with the launch of Symbiosis. We are the only provider of group insurance and retirement savings solutions in the country to offer a structured program which enables organizations to bring all their group plans under one roof.

Our comprehensive and fully integrated benefits solution enables organizations to benefit from a 360° view of their needs, an enhanced experience and preferential pricing, in addition to supporting their employees’ total wellbeing.

Discover the advantages of Symbiosis.

To support organizations in their equity, diversity and inclusion (EDI) initiatives, we launched four inclusive coverages that can be added to their group insurance plans.

These coverages focus on gender affirmation and family support (fertility, surrogacy and adoption). They make certain drugs, care and treatments more accessible to plan members and their dependents.

À la carte coverage for more flexibility

As each inclusive coverage is offered à la carte, each organization can select those that best meet the diverse needs of its workforce. In addition, for added flexibility, we offer a customizable formula that allows organizations to choose the maximum amounts for each coverage.

Discover our inclusive coverages.

We’re committed to offering flexible, intuitive and easy-to-manage solutions to drive high value for our partners and clients and support their diverse needs.

That’s why we’ve added the group first home savings account (FHSA) to our product lineup and began offering it in the fall of 2024.

For more information, refer to the group FHSA brochure download .

Because each person’s financial situation and goals are unique, a personalized approach is a key element in achieving financial wellbeing.

Our personalized advice service provides members with advice on how to make the most of their group retirement savings plan and optimize their personal finances. Since 2024, we have been offering this service to all our clients.

Plan management

In 2024, we developed partnerships with Opifiny and Medaca to optimize disability management processes and client experience.

Pilot project with Opifiny

With this partnership, we aim to simplify data exchange with Canadian medical specialists to improve client experience:

  • Smoother, faster processes
  • Automation of tasks to save time and improve efficiency
  • Increased security and better traceability of information exchanges
  • Accelerated processing times and generation of medical reports

Complementary offer to our mental health services with Medaca

Mental health is the most common cause of disability. This partnership with one of Canada’s leading treatment services providers for workplace mental health enables us to offer optimal support to plan members:

  • Early psychological assessments
  • Personalized intervention plans
  • Access to psychiatrists
  • Active collaboration of Medaca employees with the physician for consistent and effective interventions

In support of governments and medical associations to reduce the administrative burden on physicians, and in line with industry practice, we have stopped requiring medical referrals from our group insurance clients for access to paramedical care and services. New quotations and contracts no longer include the medical referrals clause since July 1, 2024.

Benefits for plan members

  • Simplified access to paramedical care, services or treatments
  • Faster processing of claims submitted online
  • Enhanced experience
  • Time savings

Putting people first

Changing the way we do business reflects our commitment to supporting the total wellbeing of group insurance plan members and their dependents.

To better serve our clients and offer them greater flexibility in the day-to-day management of their plans, we added a new Group Insurance section to the Resource centre for plan administrators and sponsors.

Group insurance plan administrators, as well as group retirement savings plan sponsors, now have access to a variety of content to help them find answers to their questions about the management of their plans.

The self-service content includes:

  • Video tutorials on fundamental topics such as how to create a My Client Space account, enrolment, reporting and billing, etc.
  • Frequently asked questions covering everyday administrative tasks, plan member support, how to understand their contract, and more
  • Webinar sign-up information for plan administrator training

Discover the Resource centre for plan administrators and sponsors.

As we always strive to promote drug plan sustainability, our strategies seek to preserve plan members’ physical and mental health while ensuring effective cost management.

This year, we continued to introduce optimal strategies to ensure the long-term viability of our group drug plans.

Weight management drug

The drug Wegovy, indicated as an adjunct to a reduced calorie diet and increased physical activity for chronic weight management, is now covered by plans that include coverage of weight management drugs. To encourage optimal use of this drug, reimbursement is subject to prior authorization.

We recommend that treatments for obesity and weight management be covered by drug plans, according to pre-established criteria. As these treatments have an important preventive component, we believe that reducing excess weight can have significant, positive benefits on health and, by the same token, on group insurance plan expenses.

Biosimilars

This year, we continued to roll out our biosimilar transition program. As soon as a new biosimilar drug comes onto the market, we encourage plan members to transition their biological drug to the biosimilar.

The importance of ESG factors

When it comes to responsible investment, fund managers employ a variety of strategies, the most widely used of which is the integration of environmental, social and governance (ESG) factors into their decision-making processes. We are therefore interested in how the fund managers in our investment platform carry out this integration and adopt the best practices recommended by bodies such as the United Nations PRI, Climate Action 100+ and Net Zero Asset Managers.

Tool to assess ESG practices

Our team of specialists has established its own grid to assess the ESG integration—and the progress in this respect—of each fund manager.

In concrete terms, we analyze various elements related to these five pillars:

  • Corporate culture
  • ESG resources
  • Integration in the investment process
  • Shareholder engagement
  • Improvements

We then assign each firm an overall score that reflects its level of integration of ESG practices.

Although each rating is a subjective qualitative assessment aimed at analyzing the extent of ESG integration throughout the entire company, we believe this provides you with a basis for better understanding how fund managers approach ESG and active ownership issues.

Our investment specialists continuously monitor the investment funds offered to our Group Savings and Retirement clients. They make sure that the high quality standards they have established are met and that the fund offering remains comprehensive, distinctive and competitive.

With this in mind, we have made changes to our fund lineup:

  • Addition of three sustainable investment funds to our standard lineup
  • Closure of thirteen investment funds and transfer of amounts invested to a replacement fund

Client experience

Protecting personal information is a priority for us. To help protect the financial and personal information we store on our online platforms, we have strengthened security by integrating multi-factor authentication into the Advisor Centre and My Client Space.

This mechanism is designed to reduce the risk of identity theft, online fraud and hacking.

First class service

Client experience and service quality are central to our values and guide every action of our Customer Service agents. We continuously seek opportunities for improvement by gathering feedback after each interaction with clients.

Our commitment is paying off, with an average customer service wait time 25% shorter than the market benchmark! In addition to exceeding our targets in terms of average wait time, dropped-call rate and satisfaction, we also surpassed certain established standards.

We are also honoured to be recognized as the leader of the NMG Business Capability Index1 as part of their 2023 Canadian Group Retirement Study. This performance underscores, once again, our steadfast focus on relationship management and operational excellence to better serve our clients and partners.

Our commitment

Satisfying the needs of organizations and their employees is integral to our mission. Clients are invited to participate in the Net Promoter Score survey at any time. The “Voice of the Customer” program also enables us to promptly receive feedback from organizations and take action to maintain first-class service.

1 The NMG Business Capability Index is a comprehensive composite score that evaluates provider performance by amalgamating intermediary feedback across 45 essential capabilities spanning relationship management, technology, proposition, product offerings, initiatives, and operational management.

Total wellbeing

Our education website has continued to grow in popularity since its launch last year, with an 11% increase in the number of users and a cumulative total of over 147,000 views. Creating value for organizations, this reference space reflects our commitment to meeting plan members’ need for information and education.

New webinar offering

In addition to constantly enriching the site with new articles, tips and advice, we’re now offering webinars to help plan members better understand the workings and benefits of their group plans and make informed decisions about their total wellbeing.

In November, we launched our first series of four webinars on managing personal finances during Financial Literacy Month. These webinars helped more than 1,000 people learn to better manage their finances and deepen their knowledge of retirement savings.

Find out more about our past and future webinars.

We offer a variety of information sessions, ranging in length from 20 to 60 minutes, to inform plan members and answer their questions.

To date, we offer some fifteen topics related to group insurance, retirement savings and total wellbeing. To best meet ever-changing needs, we have added three new sessions to our offering this year:

  • Group insurance 101
  • Investing for women | Building confidence
  • Debt management

To raise awareness among group insurance plan administrators and their employees, offer useful tips and help them change their perceptions and behaviours about mental health, we have rolled out a practical guide.

Our awareness and prevention guide contains five fact sheets that highlight these essential topics:

  • Stress management
  • Life-work balance
  • The impact of physical activity, sleep and diet on mental health

Discover our guide download .

In parallel, we also developed two podcasts on mental health:

Once again this year, we have deployed several campaigns to help plan members make informed decisions about managing their personal finances.

Here are a few examples of the campaigns:

  • RRSP
    Developed around the theme of the importance of adopting healthy financial habits, this campaign highlighted the advantages and simplicity of making contributions through pre-authorized payments or online. Whether it be the net cost of a contribution, the benefits of starting to save early in order to take advantage of compound interest, or the importance of completing an investor profile, all the essentials were presented in a clear and concise way.
  • Tax refund
    Based around the article “5 smart ways to use your tax refund,” this campaign, which ran over several months, was designed to help group plan members make the most of their tax return. We wanted to show how easy it can be to turn this once-yearly extra cash into a lasting financial boost.

Throughout the year, our specialists have contributed to the In your interest! podcast. These podcasts cover a range of topical issues relating to the economy and total wellbeing, in less than 10 minutes.

Products and services

Always attentive to our clients’ needs, we broke ground with the launch of Symbiosis. We are the only provider of group insurance and retirement savings solutions in the country to offer a structured program which enables organizations to bring all their group plans under one roof.

Our comprehensive and fully integrated benefits solution enables organizations to benefit from a 360° view of their needs, an enhanced experience and preferential pricing, in addition to supporting their employees’ total wellbeing.

Discover the advantages of Symbiosis.

To support organizations in their equity, diversity and inclusion (EDI) initiatives, we launched four inclusive coverages that can be added to their group insurance plans.

These coverages focus on gender affirmation and family support (fertility, surrogacy and adoption). They make certain drugs, care and treatments more accessible to plan members and their dependents.

À la carte coverage for more flexibility

As each inclusive coverage is offered à la carte, each organization can select those that best meet the diverse needs of its workforce. In addition, for added flexibility, we offer a customizable formula that allows organizations to choose the maximum amounts for each coverage.

Discover our inclusive coverages.

Plan management

In 2024, we developed partnerships with Opifiny and Medaca to optimize disability management processes and client experience.

Pilot project with Opifiny

With this partnership, we aim to simplify data exchange with Canadian medical specialists to improve client experience:

  • Smoother, faster processes
  • Automation of tasks to save time and improve efficiency
  • Increased security and better traceability of information exchanges
  • Accelerated processing times and generation of medical reports

Complementary offer to our mental health services with Medaca

Mental health is the most common cause of disability. This partnership with one of Canada’s leading treatment services providers for workplace mental health enables us to offer optimal support to plan members:

  • Early psychological assessments
  • Personalized intervention plans
  • Access to psychiatrists
  • Active collaboration of Medaca employees with the physician for consistent and effective interventions

In support of governments and medical associations to reduce the administrative burden on physicians, and in line with industry practice, we have stopped requiring medical referrals from our group insurance clients for access to paramedical care and services. New quotations and contracts no longer include the medical referrals clause since July 1, 2024.

Benefits for plan members

  • Simplified access to paramedical care, services or treatments
  • Faster processing of claims submitted online
  • Enhanced experience
  • Time savings

Putting people first

Changing the way we do business reflects our commitment to supporting the total wellbeing of group insurance plan members and their dependents.

To better serve our clients and offer them greater flexibility in the day-to-day management of their plans, we added a new Group Insurance section to the Resource centre for plan administrators and sponsors.

Group insurance plan administrators, as well as group retirement savings plan sponsors, now have access to a variety of content to help them find answers to their questions about the management of their plans.

The self-service content includes:

  • Video tutorials on fundamental topics such as how to create a My Client Space account, enrolment, reporting and billing, etc.
  • Frequently asked questions covering everyday administrative tasks, plan member support, how to understand their contract, and more
  • Webinar sign-up information for plan administrator training

Discover the Resource centre for plan administrators and sponsors.

As we always strive to promote drug plan sustainability, our strategies seek to preserve plan members’ physical and mental health while ensuring effective cost management.

This year, we continued to introduce optimal strategies to ensure the long-term viability of our group drug plans.

Weight management drug

The drug Wegovy, indicated as an adjunct to a reduced calorie diet and increased physical activity for chronic weight management, is now covered by plans that include coverage of weight management drugs. To encourage optimal use of this drug, reimbursement is subject to prior authorization.

We recommend that treatments for obesity and weight management be covered by drug plans, according to pre-established criteria. As these treatments have an important preventive component, we believe that reducing excess weight can have significant, positive benefits on health and, by the same token, on group insurance plan expenses.

Biosimilars

This year, we continued to roll out our biosimilar transition program. As soon as a new biosimilar drug comes onto the market, we encourage plan members to transition their biological drug to the biosimilar.

Client experience

Protecting personal information is a priority for us. To help protect the financial and personal information we store on our online platforms, we have strengthened security by integrating multi-factor authentication into the Advisor Centre and My Client Space.

This mechanism is designed to reduce the risk of identity theft, online fraud and hacking.

First class service

Client experience and service quality are central to our values and guide every action of our Customer Service agents. We continuously seek opportunities for improvement by gathering feedback after each interaction with clients.

Our commitment is paying off, with an average customer service wait time 25% shorter than the market benchmark! In addition to exceeding our targets in terms of average wait time, dropped-call rate and satisfaction, we also surpassed certain established standards.

We are also honoured to be recognized as the leader of the NMG Business Capability Index1 as part of their 2023 Canadian Group Retirement Study. This performance underscores, once again, our steadfast focus on relationship management and operational excellence to better serve our clients and partners.

Our commitment

Satisfying the needs of organizations and their employees is integral to our mission. Clients are invited to participate in the Net Promoter Score survey at any time. The “Voice of the Customer” program also enables us to promptly receive feedback from organizations and take action to maintain first-class service.

1 The NMG Business Capability Index is a comprehensive composite score that evaluates provider performance by amalgamating intermediary feedback across 45 essential capabilities spanning relationship management, technology, proposition, product offerings, initiatives, and operational management.

Total wellbeing

Our education website has continued to grow in popularity since its launch last year, with an 11% increase in the number of users and a cumulative total of over 147,000 views. Creating value for organizations, this reference space reflects our commitment to meeting plan members’ need for information and education.

New webinar offering

In addition to constantly enriching the site with new articles, tips and advice, we’re now offering webinars to help plan members better understand the workings and benefits of their group plans and make informed decisions about their total wellbeing.

In November, we launched our first series of four webinars on managing personal finances during Financial Literacy Month. These webinars helped more than 1,000 people learn to better manage their finances and deepen their knowledge of retirement savings.

Find out more about our past and future webinars.

We offer a variety of information sessions, ranging in length from 20 to 60 minutes, to inform plan members and answer their questions.

To date, we offer some fifteen topics related to group insurance, retirement savings and total wellbeing. To best meet ever-changing needs, we have added three new sessions to our offering this year:

  • Group insurance 101
  • Investing for women | Building confidence
  • Debt management

To raise awareness among group insurance plan administrators and their employees, offer useful tips and help them change their perceptions and behaviours about mental health, we have rolled out a practical guide.

Our awareness and prevention guide contains five fact sheets that highlight these essential topics:

  • Stress management
  • Life-work balance
  • The impact of physical activity, sleep and diet on mental health

Discover our guide download .

In parallel, we also developed two podcasts on mental health:

November is Financial Literacy Month in Canada. To mark the occasion, we held a month-long communication campaign.

The objective of this campaign was to tackle the subject of personal finance management by highlighting the stories and experiences of three people with different profiles.

Topics covered

  • Paying off debt and saving
  • Buying a first home
  • Financial challenges related to immigration
  • Managing unforeseen events
  • Preparing for retirement

We also presented a series of webinars, in addition to other initiatives for plan members.

Find out more about our campaign.

Once again this year, we have deployed several campaigns to help plan members make informed decisions about managing their personal finances.

Here are a few examples of the campaigns:

  • RRSP
    Developed around the theme of the importance of adopting healthy financial habits, this campaign highlighted the advantages and simplicity of making contributions through pre-authorized payments or online. Whether it be the net cost of a contribution, the benefits of starting to save early in order to take advantage of compound interest, or the importance of completing an investor profile, all the essentials were presented in a clear and concise way.
  • Tax refund
    Based around the article “5 smart ways to use your tax refund,” this campaign, which ran over several months, was designed to help group plan members make the most of their tax return. We wanted to show how easy it can be to turn this once-yearly extra cash into a lasting financial boost.

Throughout the year, our specialists have contributed to the In your interest! podcast. These podcasts cover a range of topical issues relating to the economy and total wellbeing, in less than 10 minutes.

To optimally support plan members’ financial health and provide them with up-to-date information, tools and advice, we have enriched the Your Financial Wellness section with new content.

Group plan members can therefore benefit from over 90 varied articles in My Client Space, our secure website, on the following four personal financial pillars:

  • Make your budget
  • Protect your finances
  • Set your financial goals
  • Plan your retirement

The Financial Wellness Assessment questionnaire is also available in this section. It consists of four modules that each person can complete at their own convenience and pace. Plan members receive an overall score, personalized action plans and suggested resources to help them adopt and maintain good financial habits.

Products and services

Always attentive to our clients’ needs, we broke ground with the launch of Symbiosis. We are the only provider of group insurance and retirement savings solutions in the country to offer a structured program which enables organizations to bring all their group plans under one roof.

Our comprehensive and fully integrated benefits solution enables organizations to benefit from a 360° view of their needs, an enhanced experience and preferential pricing, in addition to supporting their employees’ total wellbeing.

Discover the advantages of Symbiosis.

We’re committed to offering flexible, intuitive and easy-to-manage solutions to drive high value for our partners and clients and support their diverse needs.

That’s why we’ve added the group first home savings account (FHSA) to our product lineup and began offering it in the fall of 2024.

For more information, refer to the group FHSA brochure download .

Because each person’s financial situation and goals are unique, a personalized approach is a key element in achieving financial wellbeing.

Our personalized advice service provides members with advice on how to make the most of their group retirement savings plan and optimize their personal finances. Since 2024, we have been offering this service to all our clients.

Plan management

To better serve our clients and offer them greater flexibility in the day-to-day management of their plans, we added a new Group Insurance section to the Resource centre for plan administrators and sponsors.

Group insurance plan administrators, as well as group retirement savings plan sponsors, now have access to a variety of content to help them find answers to their questions about the management of their plans.

The self-service content includes:

  • Video tutorials on fundamental topics such as how to create a My Client Space account, enrolment, reporting and billing, etc.
  • Frequently asked questions covering everyday administrative tasks, plan member support, how to understand their contract, and more
  • Webinar sign-up information for plan administrator training

Discover the Resource centre for plan administrators and sponsors.

The importance of ESG factors

When it comes to responsible investment, fund managers employ a variety of strategies, the most widely used of which is the integration of environmental, social and governance (ESG) factors into their decision-making processes. We are therefore interested in how the fund managers in our investment platform carry out this integration and adopt the best practices recommended by bodies such as the United Nations PRI, Climate Action 100+ and Net Zero Asset Managers.

Tool to assess ESG practices

Our team of specialists has established its own grid to assess the ESG integration—and the progress in this respect—of each fund manager.

In concrete terms, we analyze various elements related to these five pillars:

  • Corporate culture
  • ESG resources
  • Integration in the investment process
  • Shareholder engagement
  • Improvements

We then assign each firm an overall score that reflects its level of integration of ESG practices.

Although each rating is a subjective qualitative assessment aimed at analyzing the extent of ESG integration throughout the entire company, we believe this provides you with a basis for better understanding how fund managers approach ESG and active ownership issues.

Our investment specialists continuously monitor the investment funds offered to our Group Savings and Retirement clients. They make sure that the high quality standards they have established are met and that the fund offering remains comprehensive, distinctive and competitive.

With this in mind, we have made changes to our fund lineup:

  • Addition of three sustainable investment funds to our standard lineup
  • Closure of thirteen investment funds and transfer of amounts invested to a replacement fund

Client experience

Protecting personal information is a priority for us. To help protect the financial and personal information we store on our online platforms, we have strengthened security by integrating multi-factor authentication into the Advisor Centre and My Client Space.

This mechanism is designed to reduce the risk of identity theft, online fraud and hacking.

First class service

Client experience and service quality are central to our values and guide every action of our Customer Service agents. We continuously seek opportunities for improvement by gathering feedback after each interaction with clients.

Our commitment is paying off, with an average customer service wait time 25% shorter than the market benchmark! In addition to exceeding our targets in terms of average wait time, dropped-call rate and satisfaction, we also surpassed certain established standards.

We are also honoured to be recognized as the leader of the NMG Business Capability Index1 as part of their 2023 Canadian Group Retirement Study. This performance underscores, once again, our steadfast focus on relationship management and operational excellence to better serve our clients and partners.

Our commitment

Satisfying the needs of organizations and their employees is integral to our mission. Clients are invited to participate in the Net Promoter Score survey at any time. The “Voice of the Customer” program also enables us to promptly receive feedback from organizations and take action to maintain first-class service.

1 The NMG Business Capability Index is a comprehensive composite score that evaluates provider performance by amalgamating intermediary feedback across 45 essential capabilities spanning relationship management, technology, proposition, product offerings, initiatives, and operational management.

Insights

Trends, issues, unique viewpoints, diverse and innovative solutions: Content that combines our know-how with a visionary perspective to better understand the evolution of the industry and inspire action.

Be inspired by our experts
iA partner of choice

iA Financial Group,
a partner of choice

iA Financial
Group, a partner
of choice

iA Financial Group, a partner
of choice

We’re invested in you to help you offer your clients innovative total wellbeing solutions to meet ever-changing needs. We join forces with you to offer a simplified, personal client experience that puts listening, trust and technology at the heart of what we do.

Partnering with iA Financial Group means combining your expertise with ours to grow your business.