Legal • FaithLife Financial


Legal Notices

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, New Brunswick, and Nova Scotia).

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 you.)

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.

To view our privacy policy, please click here.

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 on CLHIA’s Consumer Code of Ethics, Consumer Publications, and Consumer Assistance Centre please visit the CLHIA’s Consumer section on their website.


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 any kind.

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 prohibited.


Trademarks are FaithLife®, FaithLife Financial logo®, FORTRESS® and HealthMatch®. These trademarks may not be reproduced without our express permission except for the limited purposes outlined above.

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, New Brunswick, and Nova Scotia.

FORTRESS® Funds consist of 24 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 legal entities.


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.