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Fraser Group

Life and Health

Fraser Group offers a wide slate of products and services to vendors in the employee benefits industry.

Clients use our information on market size, market share and operational effectiveness to improve strategic decisions and to assess operational efficiency.

Our clients include most Canadian insurance carriers and reinsurers. We also serve other participants in the sector including:

  • Industry associations
  • Market intermediaries
  • Other service providers.

Group Life and Health

Claims Data Bank (LTD)

Fraser Group, in association with Denis Garand and Associates, created the LTD Claims Data Bank in 2007 as a permanent facility to study LTD incidence and termination patterns.

The Data Bank stores claim data from the year 2000 and is augmented each year with current data. At regular intervals, updated incidence and termination tables and other studies are made available to participants in the project.

Participants include both the reinsurance industry and direct writers.

Cost Structure Analysis

This benchmarking service provides industry comparisons of operating expenses recognizing the differences in the mix of client segments and lines of benefit among participants.

Unit costs are computed for three client segments:

  • Small Cases
  • Regular Group
  • Major Accounts.

Group Universe Report

The Group Universe Report presents comprehensive, segmented statistical information on the group life and health benefits market in Canada.

Published annually, the Group Universe Report contains detailed estimates of revenue, sales and lapse rates on a consistent basis for all companies. The information is segmented by benefit, region and case size.

MV Trend Survey

MV Trend is a quarterly survey which tracks trend factors used in medical and dental benefit pricing.

Sources of Profit Study

This Study measures the profitability of the group benefits business for the insurance industry.

Data is collected on a gross basis before reinsurance. Results are reported using confidential codes.

Individual Life and Health

Cost Structure Individual

This product provides participants with industry comparisons of individual life operating expenses recognizing the variations associated with different product segments.

Individual Health Market

This product provides market activity statistics for the individual health insurance market segmented by region, distribution channel and age category.

This annual report provides national and regional statistics for revenue and new business activity as well as policy counts.