Insurance Group Claims Investments About us

Innovative creditor insurance
solutions
for your business

We offer the protection your customers are looking for, and the innovative solutions your business needs. Discover how our creditor insurance program can drive results for your lending operations.

Why partner with Co-operators?

Co-operative values that put people first

Our co-operative identity comes to life through our values. As a purpose-led organization, we design solutions and innovate products that provide financial security for Canadians and their communities. We meet our clients where they are and serve them in the ways that they need. And we bring that same energy to our business partnerships.

Insurance solutions that align with your lending needs

We can deliver an innovative, strategic and bespoke creditor insurance program that makes sense for your business and your clients.​ And as a leading carrier of embedded insurance, we’ll help your business navigate the regulatory frameworks that are critical to creating a successful program.

Value for you and your customers

We work with financial institutions, mortgage brokerages, fintechs and other specialty lenders to design creditor insurance programs that offer your customers stability and peace of mind while your business builds top-line growth.

Flexible multi-line coverage

We’re a multi-line business offering life, disability, critical illness, loss of employment, balance protection insurance and more. Working with us, you have access to our full range of insurance products for complete flexibility and choice.


Custom business solutions

We don’t believe in one-size-fits-all solutions. Whether you’re a mortgage broker, auto lender or other financial institution, we’ll build your program, adapt our commission models and customize our products with your unique needs and lending ecosystem in mind.

Expertise you can trust

We know what it takes to deliver a successful insurance program that puts customers first. You can rely on our knowledgeable team of insurance professionals to answer your questions and guide your implementation project.



Intelligent advice and analytics

Our business intelligence team will help make sure your customers are protected. Using detailed analytics, sales dashboards and support data, we’ll provide relevant insights that support the success of your program.

Adaptive point-of-sale systems and integrations

We’ve invested in technology to provide a seamless sales experience for your team and your customers. The choice is yours: Use our point-of-sale technology or integrate our custom APIs into your existing platform, depending on your needs.

On-demand training and support

Empower your product and sales teams to discuss, promote and sell creditor insurance through training and coaching. We provide both face-to-face and virtual options to deliver the support however you need it.


Connect with our dedicated team

Together we can build a creditor insurance program that meets the needs of your customers and grows revenue for your business.

Email us at specialtymarkets@cooperators.ca to start the conversation.

Creditor’s group insurance is optional and is underwritten by Co-operators Life Insurance Company. Supporting services, such as enrolment intake, medical underwriting and claims administration, are provided by the employees of CUMIS Services Incorporated, a subsidiary of Co-operators Life Insurance Company. Coverage is governed by the terms and conditions of the creditor group insurance policy issued to the creditor and is subject to terms, conditions, exclusions and eligibility requirements.