FaithLife Financial, formerly known as Lutheran Life Insurance Society of Canada, is a fraternal benefit society,
incorporated by an Act of the Parliament of Canada on June 28, 1972.
Its head office is in Waterloo, Ontario. Its operations are governed by
the federal Insurance Companies Act and the Insurance Acts of the
provinces in which the Society operates (presently British Columbia,
Alberta, Saskatchewan, Manitoba, Ontario, Nova Scotia and Prince Edward
In July 2004, FaithLife Financial opened membership to the broader
Christian community to enable the organization to grow and increase the
impact of its fraternal outreach.
Lutheran Life Insurance Society of Canada officially adopted the
trade name, FaithLife Financial in March 2005. In December 2008, the
legal name was officially changed to FaithLife Financial.
The laws of the Province of Ontario and the federal laws of Canada applicable therein govern the use of this website.
Terms and Conditions for Use of This Website
The following information constitutes FaithLife
Financial's terms and conditions for use of this website. This site is
provided for your personal, non-commercial use. If you do not agree to
any of the following terms and conditions, please do not use this site.
FaithLife Financial may revise these terms and conditions from time to
time. Visit this page periodically to review current terms and
conditions for use of our website.
When you browse or download information from our website, our servers
automatically collect limited amounts of standard information for
traffic monitoring and statistical purposes. The information is analyzed
for operational trends, performance, and for ways to improve our site.
The Company cannot identify you from this information. We collect the
following standard types of information:
- Internet Protocol (IP) addresses of the computers being used to access our site
- the operating systems and the types and versions of browsers used to access our site
- the Internet Service Providers used by visitors to our site
- the dates and times users access our site
- the pages visited
- the key words users enter into our search engine
- the names and sizes of files requested
At FaithLife Financial, we understand that you value your privacy.
Any information you provide through our website is used for FaithLife
Financial's purposes only - to serve you better. We will not collect
personally identifiable information - such as names, addresses, postal
codes, e-mail addresses, and so on - unless you provide it to us
voluntarily and knowingly. (For example, if you've expressed interest in
a program, or in volunteering through a FaithLife Financial Chapter, we
may collect personally identifiable information in order to respond to
At present this site does not use "cookies" - small text files that websites create on your hard drive when you visit a site.
FaithLife Financial does not sell names and addresses of our members
and prospective members to third party organizations. We will only share
information in situations where the law requires us to do so.
Code of Ethics
As a member of the Canadian Life and Health Insurance Association
(CLHIA), FaithLife Financial is committed to conducting business in
accordance with the principles in the CLHIA Consumer Code of Ethics. For
more information, see the following links to the CLHIA's Consumer Code
of Ethics, Consumer Publications, and Consumer Assistance Centre.
This website is not intended to provide specific professional advice.
Rather, the information provided here is for general reference purposes
only. While we have made reasonable efforts to ensure the information
on this site is correct, it may contain inaccuracies or typographical
errors. FaithLife Financial does not warrant the quality, accuracy,
timeliness or suitability for any particular purpose of any information
contained herein, and will not be liable for damages arising out of the
use of information on this website.
For professional insurance and investment planning expertise specific to your situation, contact your FaithLife Financial representative(if known) or your nearest FaithLife Financial office or call Member Services toll-free 1-800-563-6237.
This site makes use of the Secure Sockets Layer (SSL)
protocol with 128-bit encryption. (If you are unable to establish a
secure connection to this site, your Web browser may be out of date. Try
downloading an updated version from the Internet.) To verify that
encryption is operational, look for an unbroken lock or key indicator in
the status bar of your Web browser. Certain areas of our website (e.g.
Matching Grant Application) also have enhanced security measures,
including the use of a user-id and password combination unique to the
individual. Advise FaithLife Financial if your user-id or password
become known to another person.
Links to Other Websites
This site includes links that connect to other websites. We hope you
find them interesting and useful. However, FaithLife Financial makes no
endorsements, and no assurances, representations or warranties as to the
accuracy, quality, condition or completeness of the information
contained in those third party websites. Similarly, links from other
websites to this site should not be considered to be an endorsement of
Copyright FaithLife Financial is the owner of the
intellectual property rights for the material on this website. The
layout and contents of this site (e.g. graphics, images, logos, button
icons, text and other materials) are protected by copyright. You may not
make any commercial use of the material on this website. However, you
are welcome to display on your computer, print, download and use the
material on this website for non-commercial, personal or educational
use, provided that you do not modify such material, and you maintain our
copyright and other notices on your reproduction of such materials. Any
other use, including the reproduction, modification, redistribution or
retransmission of content on this site without our express permission is
Trademarks of FaithLife Financial logo®, FORTRESS®, LifeTimes®,
HealthMatch® and Caring Options®. These trademarks may not be reproduced
without our express permission except for the limited purposes outlined
Products and Services
All life insurance products and services referred to in this website,
including annuity contracts and variable contracts (segregated
FORTRESS® investment funds), are distributed by FaithLife Financial.
The organization is licensed to sell these products in British Columbia,
Alberta, Saskatchewan, Manitoba, Ontario, Nova Scotia and Prince Edward
FORTRESS® Funds consist of 26 segregated funds maintained by
FaithLife Financial in respect of variable deferred annuity contracts
issued under the FORTRESS® Funds plan. The assets of each fund are
segregated from the other assets of the Society and are invested in
funds managed by professional money managers. The funds are not separate
FaithLife Financial distributes disability insurance products manufactured by RBC Insurance.
Members of FaithLife Financial benefit from our
financial gains. Our profits help to provide our member and fraternal
benefits. Financial returns not required to support the Society's
ongoing operations are shared with members by crediting current
investment returns and by distributing dividends in accordance with the
Society's Dividend Policy.