Co-operators Life Insurance Company

Complaint resolution process

Step 1: Let us know

Talk to your financial advisor or a representative from your advisor’s office. They know you best and can often resolve issues quickly.

Or, you may contact the appropriate client service team:

Client service team Phone Email
Group Benefits
(Health, Dental and Disability)
1-800-667-8164 Group_client_services@cooperators.ca
Group Wealth Management
(Pension, RRSP, GRIP/GRIS)
1-877-347-634,
option 5
wm_admin@cooperators.ca
Individual Life Insurance 1-800-454-8061 Phs_individual_life@cooperators.ca
Individual Wealth Management
(RRSP/RRIF, TFSA, Non-Registered)
1-800-454-8061,
option 2

Phs_wealth_mgmt@cooperators.ca

Creditor Group Insurance 1-855-587-8595

CreditProtectionCoverageSupport@cooperators.ca

 

Step 2: Escalate your complaint

If you’re not satisfied following a discussion with your advisor’s office or the client service team, ask to whom you can escalate your concern. Depending on the product or service, you may be referred to a manager or an appeals process.

Step 3: Contact the Ombuds Office

If your concern remains unresolved after speaking with a manager, you may contact the Ombuds Office:

Mail: Ombuds Office
The Co-operators Group Limited
130 Macdonell Street
Guelph, ON N1H 6P8
E-mail: ombuds@cooperators.ca
Phone: 1-877-720-6733
Fax: 1-519-823-9944

After the Ombuds Office review, you’ll receive a written response, except in the case where a simple complaint or concern can be cleared up over the phone. We complete most investigations within 30 business days of receiving your complaint and all supporting documentation. If we can’t meet this deadline, we will contact you and tell you why we need extra time and when you can expect a response.

The written response from the Ombuds Office is considered the company’s final position.

Independent assistance

If we are not able to resolve your concerns to your satisfaction and you want to pursue the matter further, you may contact the OmbudService for Life & Health Insurance (OLHI). The OLHI is an independent service that offers recourse to consumers who have not been able to resolve their complaint by dealing with their insurance company.

For clients in Quebec, the Autorité des marchés financiers (AMF) also provides support. The AMF is a regulatory body established by the provincial government of Quebec.

For Quebec residents

The Autorité des marchés financiers (AMF) provides a complaint process for Quebec clients. The AMF is a regulatory body established by the provincial government of Quebec. You can also use AMF’s register to determine whether an individual or firm has the right to purse activities related to a financial product.

You will need this information about us if filing a complaint with the AMF:

Name of firm:
Co-operators Life Insurance Company

Contact:
1920 College Avenue,
Regina, SK, S4P 1C4

Sectors registered with the AMF:

  • Life insurance
  • Accident and sickness

Our registration number with the AMF is: 511944

For clients in Saskatchewan, you may also contact the Superintendent of Insurance:

Mail: Financial and Consumer Affairs Authority of Saskatchewan
Insurance and Real Estate Division
Attention: Superintendent of Insurance
Suite 601-1919 Saskatchewan Drive
Regina, SK S4P 4H2
E-mail: fcaa@gov.sk.ca
Phone: 1-306-787-6700
Fax: 1-306-787-9006

Regulation of complaint handling procedures

We have filed our complaint handling procedures with the Financial Consumer Agency of Canada (FCAC), an independent government body that regulates consumer provisions relating to financial services, including insurance. If you have a specific concern regarding our complaint process or a specific consumer provision, you may raise these concerns with the FCAC. The FCAC can provide tips on how to make a complaint; however, they do not get involved in individual disputes.