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Whole life insurance: Fierce competition over dividend rates

By Alain Thériault | Oct. 16, 2024, 10:59 a.m.

Photo: Freepik | Vectorarte

Some insurers are leading the pack, while others lag behind.

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Headlines

Canadian life insurance application activity was flat in November

Number of Canadians smoking cannabis is on the decline

Affluent clients: Coverage is more expensive and less easily available

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Flash

Number of Canadians smoking cannabis is on the decline

Affluent clients: Coverage is more expensive and less easily available

Insurance executives say artificial intelligence is coming

Low-income rates drop among those over age 65

Permanent Life

Canadian life insurance application activity was flat in November

Number of life insurance policies sold declines in third quarter

Cash value and interest rates bolster permanent life insurance

Life insurance application activity increases across the board in October

Whole life

Life and health insurers paid out a record amount in benefits in 2023

Canadian life application activity flat in August

Term life insurance policies see the highest increase in 2023

Life insurance application activity in the second quarter higher despite June declines

Life Insurance

Healthcare in Canada expected to cost $370 billion in 2024

Reinsurer calls on industry to support psychological resilience research

Employer-sponsored coverage decreases odds of medication nonadherence

Stable outlook for Canadian life and general insurance companies

ASSUMPTION LIFE

Segregated funds: the capital reset guarantee has lost its allure

Critical illness insurance: cancer and heart attack dominate claims

Age makes all the difference for 20-year term insurance

Pension plans ramp up risk reduction transactions

SERENIA LIFE FINANCIAL (ex-FAITHLIFE FINANCIAL)

FaithLife announces new brand name

FaithLife aims to expand its reach

Fraternal insurer enters into agreement with digital distribution provider

Advisors can help their clients leave a philanthropic legacy

EQUITABLE

Critical illness insurance: One client shifts the market

Critical illness insurance: flexibility is key to sales success

A veteran of the Client Management Software industry returns

Several new developments in permanent life insurance

EMPIRE LIFE

Empire Life reports strong third-quarter earnings

Guaranteed Withdrawal Benefits under pressure from regulators

Investors concerned about major US companies’ stock performance

Inflation eases in a cautious climate

SUN LIFE FINANCIAL

Sun Life increases earnings by 55% in the third quarter of 2024

Estate expenses: numerous disparities across Canada

IG Wealth Management aims to make its mark in life and health insurance

Economic uncertainty fails to dampen Canadian life insurers' performance

CANADA LIFE

Great-West Lifeco’s third-quarter net earnings decline

Disability insurance: 17 products examined by InsuranceINTEL

Canadians struggling with burnout are less likely to view their employers favourably

Groupe Cloutier brings in insurer as a minority shareholder

DESJARDINS

Desjardins’ insurance surplus earnings down 32% in third quarter

Deaths among off-road vehicle riders on the rise

Mental Health challenges: Effective solutions often overlooked

Desjardins reports 152% surge in insurance surplus earnings for the second quarter

BANK OF CANADA

Pension plans show strength amid market volatility

May a month of mixed results for pension plans

Growing use of private assets by insurers raises concerns about liquidity risk

Bank of Canada cuts rates as growth slows more than forecast

RBC

RBC reports 29% rise in third-quarter wealth management earnings

Managing change and transformational initiatives

Pension investment returns positive in the second quarter of 2024

Investors flock to equity exchange-traded funds

MANULIFE

Disability: Culture shift needed in labour market

Manulife announces $5.4-billion reinsurance transaction

Roy Gori steps down as President and Chief Executive Officer of Manulife

Manulife third-quarter earnings up 82%

CO-OPERATORS

Co-operators General reports loss due to major summer claims

Co-operators General reports $96 million profit in second quarter

Insurers should abandon fossil fuels, say investors

AIG continues restructuring by selling travel insurance portfolio

FORESTERS

Insurance poised for significant growth... among the wealthiest

In-force business: Data providers still missing

Term insurance: A product more complex than it seems

Life insurance: Financial results of 25 insurers in Canada in 2022

IA FINANCIAL GROUP

Five advisors share how they defy time and conventions

iA Financial Group quintuples its earnings in the third quarter of 2024

iA Financial Group reports 5% increase in net income for second quarter of 2024

Markets confirm the value of long-term financial plans

Distribution

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Majority of companies underinsured against profit-threatening risks

Arthur J. Gallagher makes acquisition in Ontario

Leverage catastrophe awareness to educate homeowners about earthquake risk

Analytic

Cancer remains leading cause of death in Canada

Funded status of Canadian pension plans increases in October

Ransomware attacks are increasingly complex and sophisticated

Commercial truck driving: improved safety, performance and professionalism needed

Infographic

A new model tops the list of most stolen vehicles in 2023

Summer's catastrophe losses highlighted by Aviva Canada

Definity reports higher earnings despite catastrophe claims

Intact increases earnings despite catastrophic claims

Economy

Majority of new enterprises formed in 2020 survived into 2022

Annuities remain popular despite falling interest rates

CIBC fined by life insurance regulator

End of disability insurance at age 65: alternatives emerge

Product tables

Overhead expense insurance to prevent business disruption

Buy-sell insurance: A safeguard in tough times

Interest rates: A selling point for credit insurance

Segregated funds and annuities: Two products for life