Actuarial Notes

Guideline G3: Group Life and Group Health Insurance

By Canadian Life and Health Insurance Association Inc. · 2026 · Guideline G3

Study guide: Exam GH-201C

A CLHIA guideline intended to help ensure consistent practices amongst member companies in the administration of a group insurance contract, covering the group insurance plan description for plan members, the life insurance conversion privilege, continuation of a disabled plan member's life insurance or disability income insurance, change of insurer, and coordination with cost-of-living adjustments in government plans. It applies to group life and group health insurance such as accidental death and dismemberment, disability, dental or drug coverage, and not to annuities, creditor's group insurance, personal accident and sickness insurance or uninsured plans.

On the syllabus

  • Exam GH-201C — Regulation & Taxation, outcome 3b; the whole guideline (the syllabus reading GH201-621-26).

1 Introduction

  • Group life and group health insurance is purchased by group policyholders on a voluntary basis for their plan members, and helps provide the plan members and their eligible dependents with protection for planned and unexpected life events.
  • Where the guideline conflicts with any applicable law, the law takes precedence to the extent of the conflict.

2 Purpose

  • It is intended to help ensure consistent practices amongst member companies in the administration of a group insurance contract in regard to the plan description for plan members, the life insurance conversion privilege, continuation of a disabled plan member's insurance, change of insurer, and coordination with cost-of-living adjustments in government plans.

3 Scope

  • It applies to group life and group health insurance; it does not apply to annuities, creditor's group insurance, personal accident and sickness insurance, or uninsured plans.

4 Definitions

5 Group Insurance Plan Description for Plan Members

6 Life Insurance Conversion Privilege

7 Continuation of a Disabled Plan Member's Life Insurance or Disability Income Insurance

8 Change of Insurer

9 Non-Paper Technologies

10 Coordination with Cost-of-Living Adjustments (COLA) in Government Plans

Sources