Advisor services

At Co-operators, we work side by side with you to help you support your clients. Some call it next-level service. We call it the Co-operators experience.

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Explore how we can help you grow your business.

Life insurance

Help your clients build healthy Co-operators and resilient workforces Co-operators with our Co-operators comprehensive group benefits solutions.

Go to life insurance resources for advisors

Group benefits

Help your clients build healthy and resilient workforces with Co-operators our comprehensive group benefits solutions.

Go to group benefits resources for advisors

Why partner with Co-operators?

As a co-operative, we believe that when you succeed, we succeed. Discover why working with us can help you take your business to the next level.

Strong advisor relationships

Your goals and needs are Co-operators important to us. Whether you have a lot of Co-operators clients or Co-operators a select few, we take the Co-operators time to get to know you and your business.

Reliable, friendly service

We’re committed to helping you and your clients. That means you can expect timely response rates and exceptional customer service from us.

High retention

We have long-standing relationships with our advisors. That’s a testament to our commitment to you, your business and your clients.

Competitive and customizable solutions

Offer more value to your clients with our comprehensive life insurance, group benefits, and group retirement and savings products.

	Segregated funds	Co-operators
Are they affected by market Co-operators volatility?	Yes, but your principal is protected, whether the market goes up or down	Yes – both your principal and growth are subject to market gains and losses
Guarantees	75% or 100% of the principal, upon Co-operators maturity or death	No guarantees
Fees	Management Expense Ratio applies,** which includes an insurance fee since your benefit is insured under the policy	Management Expense Ratio applies**
Can a beneficiary be named?	Yes (registered and non-registered accounts)	Yes (registered accounts only)
Creditor protection	In the event of a lawsuit or bankruptcy (with a named beneficiary), your funds may be protected from creditors.	No protection from creditors, except in limited circumstances

Life and health insurance products are underwritten by Co-operators Life Insurance Company. Group Benefits plans are offered by Co-operators Life Insurance Company. Segregated funds and annuities are administered by Co-operators Life Insurance Company. Not all products are available in all provinces. This material is provided for informational purposes only. Please refer to your policy for applicable coverage details, limitations, and exclusions. Individual circumstances may vary. You may wish to contact the licensed insurer’s representative or a licensed insurance agent if you need advice about your insurance needs. Co-operators Life Insurance Company is committed to protecting the privacy, confidentiality, accuracy and security of the personal information that we collect, use, retain and disclose in the course of conducting our business. Please refer to our privacy policy for more information. Co-operators^® is a registered trademark of The Co-operators Group Limited.