FAQ on our business integration
It’s official! La Capitale and SSQ Insurance are now Beneva. New name, same caring approach rooted in mutualism that reflects who we are: people protecting people.
Rest assured, this doesn’t affect your current policy. You benefit from the same coverage and the same good people are still looking out for you.
General
Based on the type of product you hold, details of the change to Beneva can vary.
The following chart explains how this change applies to your situation:
| Type of product you hold | How this change affects you |
|---|---|
| Home, car or recreational vehicle insurance with SSQ, Life Insurance Company Inc. (including replacement insurance) | Your home, car or recreational vehicle insurance policy underwritten by SSQ, Life Insurance Company Inc. and its renewal have been transferred to Beneva Insurance Company, your property and casualty insurer since January 1, 2023. You continue to benefit from the same coverage until your next renewal and your claims are processed as usual. Until December 31, 2022, Beneva Insurance Company was known as La Capitale General Insurance Inc. |
| Home, car or recreational vehicle insurance with La Capitale General Insurance Inc. | On January 1, 2023, La Capitale General Insurance Inc. changed its name to Beneva Insurance Company. You continue to benefit from the same coverage until your next renewal and your claims are processed as usual. |
| Home, car or recreational vehicle insurance with Beneva Insurance Company | Your insurance policy was issued or renewed with Beneva Insurance Company as of January 1, 2023. |
| Group benefits, life and health insurance, or investment products with SSQ, Life Insurance Company Inc. or La Capitale Civil Service Insurer Inc. | On January 1, 2023, La Capitale Civil Service Insurer Inc. and SSQ, Life Insurance Company Inc. joined forces to become Beneva Inc., your new life and health insurer. This won’t affect your current coverage. Claims and disability benefits are processed as usual and there are no changes to your investments. No action is required on your part. |
| Mutual fund investments handled by a Beneva Inc. representative | Beneva Inc. transferred its mutual fund brokerage business to its subsidiary, Beneva Investment Services Inc. This won’t affect your investments or business relationship with your representative. He or she will simple be attached to Beneva Investment Services Inc. from now on as a distribution partner for mutual funds. No action is required on your part. |
| Individual life and health insurance with La Capitale Financial Security Insurance Company | On January 1, 2024, La Capitale Financial Security becomes Beneva inc., your new life and health insurer. But rest assured, this doesn't change your coverage, claims, disability insurance or investments, and no action is required on your part. |
We’re always available to answer your questions and provide guidance. Visit our Contact us page.
The full transition to Beneva will take some time. The visual references to La Capitale and SSQ insurance will gradually disappear.
Of course. Beneva is the result of two local companies with mutualist roots joining together, whose purpose has always been to protect people. By uniting La Capitale and SSQ Insurance, Beneva has become the largest mutual insurance company in Canada. With Beneva, you get the expertise of people who have been dedicated to protecting people for over 75 years.
Home, car and recreational vehicle insurance
La Capitale clients
Yes. Your home insurance and car insurance policy number will change when you renew with Beneva. You can find this number on your contract or your invoice.
Policy numbers for commercial insurance and boat insurance will however stay the same.
SSQ Insurance clients
Your home insurance policy number will change when you renew with Beneva.
Your car insurance policy number, however, will remain the same. This number appears on your contract or invoice.
The same teams are there to ensure you get the same standout service.
Yes, until you renew, your contract remains as is.
A new Beneva offer will be available to you when it's time to renew your contract.
Except for group insurance, your multi-product discounts will be added when all your products are renewed with Beneva.
If you receive your policy by mail, your insurance certificate appears after the Declarations section. The certificate is printed on white paper similar to the rest of the document. You can also find it in the Client Centre and print a copy, if needed.
If you opted for the online contract, you can find your certificate in the Client Centre. Simply got to the Home, Auto and Leisure Vehicles section once you’re logged in. Even if you normally access your insurance contract online, you will still receive a copy by mail.
Our Claims department continues to operate in the same manner. If you have a pending claim, it has the same claim number, and the people who guide you remain the same as well.
To submit a new claim, you can get in touch with our claims adjusters at 1 855 747-7711.
Group insurance
You can continue to submit your claims the same way as before via the Client Centre, mobile app, or using our forms.
The hard copy of your current card remains valid, and you won’t receive a new one. Only the visual aspect of your electronic card (accessible via the Client Centre or mobile app) has changed. Your group and identification numbers remain the same.
No. Your group insurance plan remains the same. You don't have to do anything.
You can contact us at the usual phone numbers.
Life, health and disability insurance
No. Beneva honours all La Capitale and SSQ Insurance contracts. You therefore continue to benefit from the same coverage for your current contracts and products until your next renewal. You can make changes to your insurance at such time.
Yes, of course. You will continue to receive your benefits, as there is no change to your insurance contract.
You’ll simply notice that your benefits are now paid by Beneva.
You do everything the same way as before. The procedure to amend your contract remains the same and your financial security advisor will continue to guide you. The same teams are here for you.
Savings and investments
Since January 1 2023, Beneva, which was created through the union of La Capitale and SSQ Insurance, continues to offer your products and coverage. You don't have to do anything: the terms and conditions of your investments, as detailed on the investment certificates that were mailed to you, will remain the same. If you have any additional questions about your investments, contact your financial security advisor.
No. The terms and conditions of your investments remain the same. On January 1, 2023, the service provider(s) listed as payee(s) on your bank’s website and mobile app changed to Beneva.
Yes. You will continue to receive your payments, as there is no change to your annuity contract.
You do everything the same way as before. The process for amending a contract remains the same, and your financial security advisor will continue to guide you. The same teams will remain in place.
Billing and payments
Are there any changes to billing?
Yes. All La Capitale and SSQ Insurance products and services are now invoiced by Beneva.
If you have home, car or recreational vehicle insurance:
Your invoice now shows premiums by policy or contract number.
If you own SSQ Insurance or Beneva products, your invoice will show the premiums by policy or contract number.
If you still own La Capitale products, they will be grouped on your invoice by product number until their renewal.
Therefore, depending on the product held, there could be section of your invoice that includes renewed products and products grouped by policy as well as a section of La Capitale products grouped according to product detail.
Furthermore, the only name appearing on an invoice is the policyowner’s. The names of all insured persons appear in the contract.
I received an invoice by mail for my car, home or recreational insurance. Is that normal?
You will also receive your invoice in the mail if you chose to receive a paper copy of your contract. Please note that it’s not sent with your contract; you could receive it before or after.
Will there be any changes to the way I make my payments?
Yes. Your financial institution has changed the service providers listed as payee to Beneva. If you haven't already set up your online payments, you will have to select one of the payees from the following list depending on the product you hold.
Service providers listed as payees on your bank’s website or mobile app by product category (since January 1, 2023)
| Product category | Payee since January 1, 2023 |
|---|---|
| La Capitale Group Insurance | Beneva – La Capitale Group Insurance |
| SSQ Group Insurance | Beneva – SSQ Group Insurance |
| SSQ Insurance - Privilege | Beneva - Privilege |
| Product category | Payee since January 1, 2023 |
|---|---|
| Life and Health Insurance | Beneva – Individual Insurance |
| La Capitale Financial Security (Disability and Hospital Insurance) | Beneva – Accident Health (as of January 1, 2024) |
| Product category | Payee since January 1, 2023 |
|---|---|
| Home/Car & Commercial Insurance | Beneva – General Insurance |
| Collections on claims | Beneva - Recovery |
| Liability Insurance | Beneva - Liability Insurance |
What reference number should I use to make online payments for my home, car or commercial insurance?
Whether your contract is with Beneva, La Capitale or SSQ Insurance, use the 15-digit reference number that appears on your invoice to make your payments.
Will my payment date change for my home, car or recreational vehicle insurance?
No. The date of your pre-authorized debit remains the same every month. However, Beneva can only make debits on business days. No payment will be debited on weekends and holidays.
Will there be any changes to payments by cheque?
Yes. Cheques must be made payable to Beneva Inc. The total amount must be paid in one installment.
We protect your personal information
Rest assured that all necessary measures have been put in place to protect the confidentiality and security of your personal information.
The content of this FAQ is provided to you for informational purposes only. In the event of a discrepancy, the clauses of your insurance contract prevail at all times.
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