About SSQ Insurance

SSQ Insurance is one of the largest companies in the industry with :

  • More than 3 million customers
  • 2,000 employees
  • $12 billion in assets under management
 

We are

positive, supportive, modern

 

Awards and distinctions

SSQ Insurance is proud of each award it receives; each one underscores the efforts the Group makes in its pursuit of excellence.

Awards and distinctions

 

Sustainable Development

SSQ Insurance wants to be socially responsible and committed to helping the community. 

This is clearly reflected in our corporate culture and business practices, which have led us to find ways to reconcile economic and financial issues with social and environmental ones.  We have followed this path from the very beginning, as we strongly believe that all companies must serve people.

Sustainable Development Report

 

Donations and sponsorships

SSQ Financial Group provides financial support to social and charitable organizations as well as events and projects that are an extension of its values

Donations and sponsorships policy

We are SSQ Insurance

Mission and Values

Our mission is to serve the interests of our members and clients by offering high-quality products and services to help them plan and protect their financial security throughout their lives, while drawing inspiration from the mutualist values that place people and social development at the very heart of what we do.

Mutualism

The principles of co-operation and mutualism have been with us since the company was founded and constantly guide our management practices. The values of equality, equity, solidarity and democracy are at the heart of our convictions and guarantee our stability. As they elect the majority of the board directors, members of our mutual have a true say in the directions the company will take and its development.

Accessibility

Concerned with offering exemplary service to our clients, we take the necessary steps to remain an accessible company. We make it easy to access our services by developing high-performance, user-friendly tools and by providing efficient and courteous customer service. We strive to be transparent in all our communications by ensuring that the information we provide is clear, pertinent and complete.

Expertise

Our broad range of knowledge and skills enables us to offer quality products and services adapted to meet the needs of our clients. Attention to detail and responsible actions make us a highly sought-after partner. Our qualified, committed and motivated employees accomplish their work with precision and efficiency. They are encouraged to continue to upgrade their career skills to achieve their full potential.

Social Commitment

Social commitment means taking an active role in the development and well-being of the community. It also means supporting humanitarian and community organizations by funding a variety of projects and supporting our employees in their volunteer initiatives. For our employees, commitment is manifested by everyone's determination to invest and excel in order to reach the objectives and provide clients the best possible service.

Integrity

We act responsibly and transparently in everything we do. The principles of honesty and integrity are reflected in our daily actions. We apply the most rigoeous standards of conduct and confidentiality, which is how we continue to build lasting relationships that are based on trust with our employees, clients, members, partners and neighbouring communities.

Respect

Mutual respect is a fundamental principle upheld at SSQ, both within the company and with clients and partners. We are interested in new ideas and different points of view, which we demonstrate by recognizing the importance of the contributions of all to SSQ's overall success. In terms of our business practices, respect also means protecting the privacy of our clients by ensuring the confidentiality of their personal information.

Management Team

 

Jean-François Chalifoux

Chief Executive Officer

 

Geneviève Hamel

Transformation Bureau Lead

 

Marie Lamontagne

Strategic Advisor

 

France LeBlanc

Risk Management Lead

 

Patrick Cyr

Senior Vice-President
Finance

  • Financial information, accounting, monitoring, taxation and capital management
  • Investments and financing
  • Corporate actuarial and reinsurance
  • Realty, material resources and office layout management

 

Geneviève Fortier

Senior Vice-President
Distribution

  • Sales by networks: consulting actuaries, brokers, affiliated agents, dealerships, representatives and affinity groups
  • Business development and activities

 

Carl Laflamme

Vice-President
Strategic Alliances

  • Fostering strategic alliances with our key partners and business leaders in our target niches
  • Establish promising relationships with our strategic partners

 

Denis Légaré

Senior Vice-President
Human Resources and Corporate Affairs

  • Talent acquisition, management and development
  • Communications
  • Culture and mobilization
  • Compensation, labour relations and administration
  • Legal and compliance services

 

Michel Loranger

Senior Vice-President
Information Technology

  • Business architecture
  • Systems development
  • Operations and security
  • IT, telephone and office infrastructures
  • Document production

 

Gilles Mourette

Senior Vice-President
Customer Experience and Operational Management

  • Customer service
  • Customer experience
  • Benefits and claims
  • Billing and administration
  • Organizational performance
  • Direct sales

 

Éric Trudel

Senior Vice-President
Strategy and Product Management

  • Strategies and innovation
  • Branding, marketing and e‑business
  • Product development
  • Pricing
  • Selection, underwriting and indemnity standards
  • Translation
 
 
Governance Practices

SSQ Assurance manifeste un sens élevé des responsabilités en adoptant de saines pratiques de gouvernance qui vont au-delà des plus hautes normes de l'industrie.

Sa structure organisationnelle et ses pratiques d'affaires fondées sur ses valeurs traditionnelles assurent à sa clientèle un service de qualité supérieure et, à ses employés, un environnement de travail exceptionnel.

Independent Boards of Directors

Since SSQ's inception, the functions of Chairman of the Board of Directors and Chief Executive Officer have been separate, thereby ensuring the Board of Director's independence from senior management.

This independence is also ensured by the majority of external administrators whose primary interest is that of the members and the financial group.

One of the main tasks of the Board of Directors is to ensure that the senior managements of the Group carry out their work with integrity and expertise.

Specialized Committees

For each insurance company, four committees have been created to support their Board of Directors:

  • Executive and Human Resources Committee
  • Audit and Risk Management Committee
  • Investment Committee
  • Ethics Committee
Financial Information

Annual Report

download the 2017 annual report

Previous annual reports: 2016, 2015, 2014, 2013, 2012

Credit Ratings

Credit agencies measure the financial strength of insurance companies and their ability to honour their commitments towards their insureds and creditors.

A.M. Best is one of the most prestigious information and credit rating agencies in the insurance market.

Credit Ratings Assigned to SSQ, Life Insurance Company Inc.

  Cotes Perspective
Financial strength

A-

(excellent)

Stable
Issuer's credit

A-

(excellent)

Stable

Updated on September 20, 2017

A Collective Success Story

A company with working-class roots: highly diverse social groups converge to form a cooperative capable of holding its own in a highly competitive industry, resulting in a success story and beacon of hope for all those who subscribe to cooperative ideals.

Read our story online

SSQ Insurance published A Collective Success Story, 1944-2014. It tells the story of the company, from its foundation in 1944 to its 70th anniversary in 2014.

Download (PDF, 20 Mo)