DOCSLIB.ORG

2014 Sustainable Development and Societal Responsibility Report

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text
2014 Sustainable Development and Societal Responsibility Report ADAPTING TO CHANGE 2014 SUSTAINABLE DEVELOPMENT AND SOCIETAL RESPONSIBILITY REPORT 2014 SUSTAINABLE DEVELOPMENT AND SOCIETAL RESPONSIBILITY REPORT 2014 was the second year in SSQ Financial Group’s five-year Sustainable Development and Societal Responsibility (SDSR) plan. Numerous concrete actions were taken, with highly satisfactory results. Reflecting its ongoing concern about human, economic, social and environmental impacts, SSQ is moving in the right direction. Our task will be to update the plan so that SSQ can meet the challenges of tomorrow. SSQ FINANCIAL GROUP — 2014 SUSTAINABLE DEVELOPMENT AND SOCIETAL RESPONSIBILITY REPORT 3 PARTNERSHIPS AND EMPLOYEE INVOLVEMENT $106,423 Money raised for Seinbiose, a research project of the Fondation du CHU de Québec, through the SSQ Quebec City Marathon fundraising event Five-year renewal of a partnership agreement with Courir à Québec for the SSQ Quebec City Marathon 5 YEARS 40% more employees benefited 10% increase in employee from the employer’s contribution contributions to to personal volunteer activities Centraide/United Way +40% 4 SSQ FINANCIAL GROUP — 2014 SUSTAINABLE DEVELOPMENT AND SOCIETAL RESPONSIBILITY REPORT INNOVATION Nearly 95% of group insurance groups use e-billing ssq.ca Launch of a brand new ssq.ca 95% SSQauto launches a mobile app allowing insureds to submit auto and home claims, produce a joint report, make an inventory of property and track vehicle repairs via Body Shop Direct Increase in number of online quotes at SSQauto SSQ FINANCIAL GROUP — 2014 SUSTAINABLE DEVELOPMENT AND SOCIETAL RESPONSIBILITY REPORT 5 Launch of Compassion Insurance, a world first in group insurance COMPASSION 34% increase in group insurance claims submitted using the mobile application Access to online claims offered to 100% of home and auto insurance 100% of group insurance customers claims are paperless from groups offering this service to their members 100 % Nearly 60% more group insurance members use online claims 60% 6 SSQ FINANCIAL GROUP — 2014 SUSTAINABLE DEVELOPMENT AND SOCIETAL RESPONSIBILITY REPORT AWARDS AND CERTIFICATIONS “Prix Distinction” award in large company category at the “Coming together for company health and wellness” event Certification of the HERE WE RECYCLE! program obtained for the Roland-Giroux building in Quebec City REAL ESTATE LEED© certification BOMA BESt© certification confirmed for for the Roland-Giroux St. Lawrence tower building and the St. Lawrence of the SSQ building tower of the SSQ building in Quebec City in Quebec City SSQ FINANCIAL GROUP — 2014 SUSTAINABLE DEVELOPMENT AND SOCIETAL RESPONSIBILITY REPORT 7 ENVIRONMENT Distribution of the policy on responsible acquisition of goods and services to all company employees and providers/ Annual improvement of more suppliers, notifying them that the than 6% of the SSQ automobile SDSR selection criteria would now fleet’s performance, with the be taken into consideration addition of new environmental standards DDRS Installation of nearly 2,000 square metres of carpet (made of recycled fishing nets) certified 100% carbon neutral at the Roland-Giroux building in Quebec City. SSQ received a certificate for this initiative Reduction of the office FSC© certification supply list generated savings of the Copy Centre of more than 25% renewed for 25% five years 8 SSQ FINANCIAL GROUP — 2014 SUSTAINABLE DEVELOPMENT AND SOCIETAL RESPONSIBILITY REPORT HUMAN COMMITMENT Action 1 – Offer an accessible and high-quality customer experience Gestures Indicators 2014 Report 1. Conduct the necessary • Surveys measuring the • 92% group insurance satisfaction rate surveys to measure member satisfaction of our insured • Claim processing times in group insurance reduced and customer satisfaction members, customers by 35% rates with our products and partners • 92% of insureds are satisfied or completely satisfied and services with the overall claim experience at SSQauto • In development in the individual insurance sector • Goals of excellence by • In development business sector 2. Develop and maintain • Training new employees • 100% of new employees trained within the specific specific training programs within six months time frame for employees who work for different customer service departments at SSQ 3. Expand our mobile and • Feasibility study detailing • In development online services the online needs to add to the overall offering • Surveys to determine • Available on ssq.ca additional needs for online services • Services with low • Complete group insurance booklet available environmental impact electronically • Electronic invoicing used by nearly 95% of our group insurance groups, up by 15% • 10% increase in direct deposits by our intermediaries • 100% of home and auto insurance claims are paperless • SSQauto receives invoices electronically SSQ FINANCIAL GROUP — 2014 SUSTAINABLE DEVELOPMENT AND SOCIETAL RESPONSIBILITY REPORT 9 Action 1 – Offer an accessible and high-quality customer experience (cont’d) Gestures Indicators 2014 Report 3. Expand our mobile and • New mobile and online • The brand new ssq.ca launched in May. Revamped online services (cont’d) services offered site now adapted to all platforms and needs of users with an updated look and browsing capabilities • Online claims are being added to Group Insurance’s mobile app (in progress) • SSQauto launches a mobile app allowing insureds to submit auto and home claims, produce a joint report, make an inventory of property and track vehicle repairs via Body Shop Direct 4. Promote the use of our • Usage of online services • The use of our online services is constantly growing online services among • Access to online claims offered to 100% of group our insured members insurance customers from groups offering this service to their members • Nearly 60% increase in group insurance members who use online claims • Nearly 30% of members use direct deposit for their claim reimbursements • Identification of the • Objectives to develop in Group Insurance, objectives of online Investment and Retirement and SSQ Insurance services by business • Objectives defined by SSQauto sector • Increase in number of online quotes at SSQauto 5. Promote the efficiency • Increased usage of SSQ • 34% increase in group insurance claims submitted and speed of SSQ Mobile Mobile Services using the mobile application Services for submitting claims 10 SSQ FINANCIAL GROUP — 2014 SUSTAINABLE DEVELOPMENT AND SOCIETAL RESPONSIBILITY REPORT Action 2 – Encourage employees to become agents of change in sustainable development Gestures Indicators 2014 Report 1. Make employees aware of • Activities to make • Regular employee updates from the 27 employees sustainable development employees aware of responsible for SDSR plan in the various sectors principles the SDSR principles • Conference on energy efficiency and water presented by the young members of the Sustainable Development Caravan as part of the training program of the Quebec network of CFERs (business and recycling training centres) • SSQ’s SDSR plan presented to all new employees 2. Build a shared company • Internal SDSR • Development of internal communication plan to vision through a communications plan mobilize and encourage employees to be key communications platform and employee players in achieving the company’s SDSR objectives dedicated to attracting mobilization activities • Dissemination of annual results to all SSQ Financial and retaining employees Group employees Action 3 – Maintain a high level of employee expertise Gestures Indicators 2014 Report 1. Encourage employees to • Budget percentage • Percentage maintained at nearly 2.5% of SSQ develop skills that help them allocated to employee Financial Group’s payroll reach their potential and training meet the needs of our customers 2. Set up a leadership training • Training and professional • Group leadership training followed by four groups and professional development programs of new managers through the LEAD program— development program a program for management staff development for managers • Budget for individual employee training maintained 3. Develop an internal • Internal communications • Policy implemented and communicated to all communications policy policy new employees that encourages dialogue between management and employees 4. Coach employees in change • Provide support with • Services offered by the change management management change management expertise centre to key stakeholders involved in change at SSQ SSQ FINANCIAL GROUP — 2014 SUSTAINABLE DEVELOPMENT AND SOCIETAL RESPONSIBILITY REPORT 11 Action 4 – Take sustainable development principles into account when managing human capital and offer an engaging work environment Gestures Indicators 2014 Report 1. Examine the results of the • Integration of SDSR • Massive 90% of all employees participated in the different organizational principles with company mobilization survey conducted in September, with surveys and sustainable business practices an overall mobilization score of 75%, corresponding development principles in to the organization’s performance results programs related to human • Important expression of recognition among resources to offer an colleagues via the Recognition Place portal used engaging work environment to email more than 1,800 recognition cards and become an employer • More than 2,000 consultations of the My Career of choice that consistently Path portal recorded. The portal provides employees promotes equality and with tools and support for their professional career, employee diversity their employability
Load more

Recommended publications
  • Ssq Financial Group Is One of Canada's Leading Financial
    SSQ FINANCIAL GROUP IS ONE OF CANADA’S LEADING FINANCIAL INSTITUTIONS • OVER 1,000,000 CLIENTS • 2,000 EMPLOYEES • NEARLY $3 BILLION IN BUSINESS VOLUME • NEARLY $11 BILLION IN ASSETS UNDER MANAGEMENT • OFFICES IN VANCOUVER, CALGARY, TORONTO, MONTREAL, QUEBEC CITY AND HALIFAX LINES OF BUSINESS SSQ Financial Group meets the needs of its clients by offering products and services in several lines of business: Group Insurance • Life insurance • Compassion insurance • Accidental death and dismemberment insurance • Health and wellness program • Disability insurance • Individual insurance — retirement and end of employment • Prescription drug insurance • Critical illness insurance • Health insurance • Long term care insurance • Travel insurance and trip cancellation insurance • Insurance for expatriates • Dental care insurance Investment • Segregated funds • Registered pension plans without member administration • Guaranteed Interest Accounts (GIAs) • Private wealth management • Individual savings and retirement plans: RRSP, TFSA, locked-in RRSP, NRSP, IPP, RRIF, locked-in RRIF and annuities Individual Insurance • Term life insurance • Permanent life insurance • Credit insurance • Critical illness insurance • Universal life insurance General Insurance • Auto insurance • Home insurance • Replacement insurance • Business insurance Real Estate • 2525 Laurier — Head office (Quebec City) • Cité Verte (Quebec City) • 2475 Laurier (Quebec City) • SSQ Place (Toronto) • 2505/2515 Laurier (Quebec City) • SSQ Tower (Longueuil) • 3000 Laurier (Quebec City)
    [Show full text]
  • Communities Make Us Summary 2018 Financial Highlights 2
    Communities make us Summary 2018 Financial Highlights 2 Chairman’s Message 4 CEO’s Message 19 Sustainable Development and Societal Responsibility Report 34 SSQ, Mutual Management Corporation 47 Consolidated Financial Statements as at December 31, 2018 Independent Auditor’s Report 48 Consolidated statement of income 50 Consolidated statement of comprehensive income 50 Consolidated statement of financial position 51 Consolidated statement of changes in equity 52 Consolidated statement of cash flows 53 Notes to the consolidated financial statements 54 SSQ, Life Insurance Company Inc. 62 Consolidated Financial Statements as at December 31, 2018 Independent Auditor’s Report 63 Consolidated statement of income 65 Consolidated statement of comprehensive income 66 Consolidated statement of financial position 67 Consolidated statement of changes in equity 68 Consolidated statement of cash flows 69 Notes to the consolidated financial statements 70 Ownership Structure 128 Boards of directors 129 Management team and corporate divisions 130 Addresses 131 Contact us 131 Insurance for the future Over the past few years, we have implemented the necessary elements to strengthen the Company with a view to positioning it more favourably in the market so that it can seize every opportunity. Together, we are working to serve our community of members and customers. As we move forward, everything is in place to deliver an even more conclusive level of performance. In this regard, SSQ Insurance remains firmly focused on the future. 2018 Financial Highlights 2018
    [Show full text]
  • Committed to All Our Members
    2016 ANNUAL REPORT COMMITTED TO ALL OUR MEMBERS Summary 02 2016 Financial Highlights 04 Chairman’s Message 16 CEO’s Message 35 2016 Sustainable Development and Societal Responsibility Report 50 SSQ, Mutual Management Corporation – Consolidated Financial Statements as at December 31, 2016 51 Independent Auditor’s Report 52 Consolidated Statement of Income 53 Consolidated Statement of Financial Position 54 Consolidated Statement of Changes in Equity 55 Consolidated Statement of Cash Flows 56 Notes to the Consolidated Financial Statements 64 SSQ, Life Insurance Company Inc. – Consolidated Financial Statements as at December 31, 2016 65 Management’s Report 66 Independent Auditor’s Report 67 Consolidated Statement of Income 68 Consolidated Statement of Comprehensive Income 69 Consolidated Statement of Financial Position 70 Consolidated Statement of Changes in Equity 71 Consolidated Statement of Cash Flows 72 Notes to the Consolidated Financial Statements 129 Ownership Structure 130 Boards of Directors 131 Management Team and Senior Management 132 Addresses 132 Contact Us Building a Community Our hope is that, by drawing inspiration from our mutualist model, our members and customers will come to form a genuine community of insureds, thus deepening their sense of belonging and ensuring that each point of contact with the Company contributes to this experience. In so doing, we are seeking to become the insurance destination of choice for our members and our customers. 2016 FINANCIAL HIGHLIGHTS SSQ Ω 2016 ANNUAL REPORT Ω 3 CONSOLIDATED DATA (M$)
    [Show full text]
  • La Capitale Assurance Montreal
    La Capitale Assurance Montreal Fiddly Lou sedate very voetstoots while Sloane remains skittish and forthright. Reassured Rockwell sometimes andgull hisunvulgarize suppedaneum her chewie. sibilantly and particularized so exceptionably! Ignatius is redder: she unfreezes aliunde Great place a waiver of la capitale homeowner protection in November, and Cadieux Beauséjour Dupras, last year. Trudeau et plusieurs inaugurations de projets de construction majeurs. Find out about our home, auto, motorcycle and recreational vehicle insurance tailored to suit your needs and much more. President of Consultants Koby inc. Select month of birth. NCO Financial Services Inc. Drive with Uber and earn money anytime it works foryou. She makes an opinion about insurance statements for la capitale assurance montreal, will report la capitale assurance de dommages affiliée à votre site and air conditioning system is required. Agent Général auprès des conseillers en sécurité financière. Ici, vous obtenez un service attentionné et des conseils personnalisés visant à vous protéger selon vos besoins. Chose the fields you want to add to your forms to collect all the info you need. Event Production Planning and Coordination for nearly a year. NEW address you gave them. Veuillez revérifier puis réessayez. Vous désirez continuer tout droit. We only want readers to access information quickly and easily using other multilingual content, rather than information only available in a specific language. Follow future shipping activity from La Capitale Assurance Et Gestion. Additional terms and conditions apply. Is the information incorrect? While still investigating this incident, the company was unable to say whether any customer or broker data could have been accessed by computer thugs.
    [Show full text]
  • THE RIGHT PLACE to GROWTH 2011 Annual Report SSQ Financial Group
    2011 ANNUAL REPORT COMMITTEDTHE RIGHT PLACE TO GROWTH 2011 Annual Report SSQ FINANCIAL GROUP SUMMARY 01 2011 FINANCIAL HIGHLIGHTS 02 NEW COMMUNICATIONS PLATFORM 04 MESSAGE FROM THE CHAIRMAN OF THE BOARD 10 MESSAGE FROM THE CHIEF EXECUTIVE OFFICER 24 2011 SOCIAL RESPONSIBILITY REPORT 24 COMMITTED TO SOLIDARITY 28 A RESPONSIBLE COMpaNY 39 EXCERPT FROM THE CONSOLIDATED FINANCIAL STATEMENTS AS at DECEMBER 31, 2011, AND 2010 40 MaNageMENT REPOrt 42 CONSOLIDATED STATEMENTS OF INCOME 43 CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME 44 CONSOLIDATED STATEMENTS OF FINANCIAL POSITION 45 CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY 46 CONSOLIDATED StateMENTS OF CASH FLOWS 47 EXCERPT FROM THE NOTES TO THE CONSOLIDATED FINANCIAL StateMENTS 75 ORGANIZATIONAL STRUCTURE 76 BOARDS OF DIRECTORS, SENIOR MANAGEMENTS AND VICE-PRESIDENCIES ADDRESSES CONtact INFORMatiON 2 SSQ FINANCIAL GROUP / 2011 ANNUAL REPORT 2011 FINANCIAL HIGHLIGHTS (IN MILLIONS OF DOLLARS) 2011 2010 VARIATION $ $ % Consolidated data Premiums and premium equivalents 2,543.1 2,359.6 7.8 Assets under management and administration 8,006.1 6,939.6 15.4 Shareholders’ equity 334.1 307.3 8.7 Net income 33.8 41.3 -18.2 Number of employees 1,627 1,632 – SSQ, Life Insurance Company Inc. Premiums and premium equivalents - Life and health Insurance 1,297.8 1,233.6 5.2 Premiums and premium equivalents - Investment and retirement 1,026.9 946.0 8.6 Assets under management - Segregated funds 3,165.9 2,623.5 20.7 SSQ General Insurance Company Inc. Written premiums 218.5 180.1 21.3 Number of insureds 262,002 181,995 44.0 Net combined ratio 94.3 89.1 5.8 SSQ Realty Inc.
    [Show full text]
  • Welcome to SSQ Insurance
    Welcome to SSQ Insurance. Group Benefit Meetings for Toronto Birth Centre Staff Company 1 Overview Company Overview Company Overview Together, we give back to the community United Way Alzheimer’s Society Covenant House Toronto & Vancouver Your Benefits 2 At A Glance YOUR BENEFITS AT A GLANCE Life Insurance Participant Basic . Mandatory coverage Life . Two times annual salary up to $250,000 . Coverage reduced by 50% at age 65 . Coverage terminates at 70 or when you retire, which ever is earliest Optional Life . Units of $10,000 up to $250,000 . Coverage terminates at age 70 or when you retire . Available to members and their spouse YOUR BENEFITS AT A GLANCE Long Term Disability Reimbursement Benefit 60% of monthly earnings Elimination Period 90 days Benefit payment maximum $3500 Taxability of benefits Non-taxable Frequency of payments Monthly Termination of insurance At age 65 or your retirement if earlier Premium Cost Sharing 100% paid by Members YOUR BENEFITS AT A GLANCE Health Coverage Reimbursement Hospital Care 100% Semi-Private room Prescription Drugs 80% until $1,200 out of pocket per calendar year is met and 100% there after Hospital 100% coverage for a semi-private room Paramedical Services Paramedical service claims for Toronto Birth Centre staff members are covered at 90%, up to a maximum of $2,500/year. There is no maximum per paramedical discipline; you can use your maximum paramedical coverage on one practitioner or on several. Private duty nursing $10,000 per calendar year YOUR BENEFITS AT A GLANCE Dental Care Diagnostic
    [Show full text]
  • About SSQ Insurance Founded in 1944, SSQ Insurance Is a Mutualist Company That Puts Community at the Heart of Insurance
    Individual insurance About SSQ Insurance Founded in 1944, SSQ Insurance is a mutualist company that puts community at the heart of insurance. With assets under management of $12 billion, SSQ Insurance is one of the largest companies in the industry. Working for a community of over three million customers, SSQ Insurance employs 2,000 people. Leader in group insurance, the company also sets itself apart through its expertise in individual life and health insurance, general insurance, and the investment sector. For more information, go to ssq.ca. Dedicated staff across Canada in the regions of Vancouver Calgary Toronto Montreal Quebec City Halifax Products overview Term Plus – All-in-one insurance solution • Flexibility to combine multiple terms of 10, 15, 20, 25, 30, 35 or 40 years with a choice of level or decreasing life insurance amount • Option to enhance life coverage by adding disability rider for credit protection, critical illness rider, and other benefits • Competitive premiums and preferred underwriting • Convertible coverage and renewable every 5 years after the initial term • Guarantee of future insurability included with life insurance and disability rider • Extreme Disability Benefit that provides an advance payment in case of a prolonged extreme disability • Exchange program available allowing your clients to extend their initial term without having to provide any further evidence of insurability Critical Illness – Simple and complete • Protection that offers temporary and permanent coverage solutions • Adult coverage of
    [Show full text]
  • Audited Financial Statements As at December 31, 2020 SSQ Funds Table of Contents
    Investment Audited financial statements as at December 31, 2020 SSQ Funds Table of contents Page SSQ Fiera Capital Money Market Fund .................................................................................................................................................................. 3 SSQ Fiera Capital Short Term Bond Fund ............................................................................................................................................................. 8 SSQ Fiera Capital Bond Fund............................................................................................................................................................................... 15 SSQ PIMCO Bond Fund ....................................................................................................................................................................................... 20 SSQ AlphaFixe Bond and Bank Loan Fund .......................................................................................................................................................... 25 SSQ PIMCO Global Bond Fund ............................................................................................................................................................................ 30 SSQ CI Signature Corporate Bond Fund .............................................................................................................................................................. 35 SSQ BlackRock Bond Index Fund .......................................................................................................................................................................
    [Show full text]
  • Individual Insurance Products Overview
    INDIVIDUAL INSURANCE PRODUCTS OVERVIEW ABOUT SSQ FINANCIAL GROUP With $11 billion in assets under management, SSQ Financial Group is a prominent mutualist diversified financial institution in Canada. It serves over 3 million customers and employs 2,000 individuals. The company is recognized for its leadership in the group insurance industry, and excellence and expertise in the general insurance, individual insurance and investment markets. For more information, please visit ssq.ca. DEDICATED STAFF ACROSS CANADA IN THE REGIONS OF Vancouver Calgary Toronto Montreal Quebec City Halifax INDIVIDUAL INSURANCE PRODUCTS OVERVIEW Flexible and affordable TERM LIFE • Renewable and convertible Term 10 and Term 20 • Unique, convertible Term 70 insurance plan • Competitive premiums and preferred underwriting • Option to double Term 10 insurance amount over 5 years using the indexation privilege benefit • Distinctive Extreme Disability Benefit that provides an advance payment in case of a prolonged extreme disability • Simple and affordable critical illness rider – automatically granted when life insurance is approved at a standard rate Multi-purpose insurance solution TERM PLUS • Flexibility to combine multiple terms of 10, 15, 20, 25, 30 or 35 years with a choice of level or decreasing life insurance amount • Option to enhance life coverage by adding disability rider for credit protection, critical illness rider and other benefits • Competitive premiums and preferred underwriting • Convertible coverage and renewable every 5 years after the initial
    [Show full text]
  • The Merger of Equals Between La Capitale and SSQ Insurance Is Now Official!
    Français The merger of equals between La Capitale and SSQ Insurance is now official! Dear Partner, I am excited and proud to announce that the merger of equals between La Capitale and SSQ Insurance is now official. Our new company is the largest insurance mutual in Canada, with more than 3.5 million members and clients. The head office will stay in Quebec City. For now, you won’t notice any change. Our new identity will be released in the fall, and the transition will be gradual. The same goes for La Capitale and SSQ Insurance members, clients and business partners. All current agreements will be honored as they were signed. You do not need to do anything. If you work with La Capitale or SSQ Insurance, you will continue to work with the same entity, communicate with the same person, and follow the same procedures as usual. We will keep you informed of next steps. If you have any questions, please reach out to your usual contact person. For more information on our merger and to learn more about our new leadership team, visit www.thelargestmutual.ca. Our new company is the top group insurer in Quebec and the 4th in Canada. It ranks 3rd in Québec in general insurance and 13th in Canada. It becomes the 4th largest individual insurer in Québec and the 6th largest individual insurer in Canada. It also ranks 7th in Canada in segregated funds. Building on our long tradition of cooperative enterprise, we become a new player with nationwide influence. Thank you for putting your trust in us.
    [Show full text]
  • 2015 ANNUAL REPORT Message from the Chair
    2014 -15 Annual Report Growing through service & collaboration Contents 1 Highlights + Total Activity 2 Message from the Chair 4 Message from the Executive Director 6 Complaints Handling Process 7 Case Study 1 9 Complaint Statistics About OLHI 13 Case Study 2 The OmbudService for Life & Health Insurance (OLHI) is a 15 Investigation Statistics national, independent complaint 17 Case Study 3 resolution and information service for consumers of Canadian life 19 Enquiry Statistics and health insurance products and services. These include life, 21 Web Statistics disability, employee health 23 Member Companies benefits, travel, and insurance investment products such as 24 Locations + Board Members annuities and segregated funds. 25 Financials OLHI’s free, bilingual services Click on this icon to return to the are available to any consumer Table of Contants whose life or health insurer is an OLHI member; currently, 99% of Canadian life and health insurers are OLHI members. OLHI’s operations are overseen by the Canadian Council of Insurance Regulators (CCIR). For more information, visit www.olhi.ca. + Total Activity Highlights Highest number of contacts with the public in OLHI’s history Growth of 18.2% over last year and 32.5% over three years Internet remains the most-used means for the public to reach out to OLHI Total Contacts Web visits up 22% over last year and 46% over three years 87,488 Investigations: Settlement ratio of 50%, up from 30% in prior years Enquiries Complaint volume of over 2,400 matches last year’s 13,732 historic peak Complaints Phone information requests level off at over 13,000 as Internet enquiries grow 2,464 OLHI’s profile enhanced by national and international media coverage Web Visitors 71,292 t 1 OLHI 2014-2015 ANNUAL REPORT Message from the Chair Dr.
    [Show full text]
  • 2017 Annual Report
    2017 Annual Report Summary 2017 Financial Highlights 2 Chairman’s message 4 CEO’s message 14 2017 Sustainable Development and Societal Responsibility Report 31 SSQ, Mutual Management Corporation 41 CONSOLIDATED FINANCIAL STATEMENTS AS AT DECEMBER 31, 2017 Independent auditor’s report 42 Consolidated statement of income 43 Consolidated statement of comprehensive income 43 Consolidated statement of financial position 44 Consolidated statement of changes in equity 45 Consolidated statement of cash flows 46 Notes to the consolidated financial statements 47 SSQ, Life Insurance Company Inc. 57 CONSOLIDATED FINANCIAL STATEMENTS AS AT DECEMBER 31, 2017 Independent auditor’s report 58 Consolidated statement of income 59 Consolidated statement of comprehensive income 60 Consolidated statementof financial position 61 Consolidated statement of changes in equity 62 Consolidated statement of cash flows 63 Notes to the consolidated financial statements 64 Ownership structure 127 Boards of directors 128 Management team and corporate divisions 129 Addresses 130 Contact us 130 Communities make us Community spirit was the cornerstone of SSQ Insurance nearly 75 years ago. Drawing on its various constituent parts, the company has subsequently become an innovative, accessible, committed, respectful and ethical member of the community. The “communities make us” tagline continues to be our driving force. Now more than ever, we believe that the notion of community should lie at the heart of insurance because stronger communities make every individual stronger.
    [Show full text]