About Us

Reliable Life Insurance Company ("Reliable Life") is a Canadian federally licensed life insurance company, with our head office in Hamilton, Ontario. Reliable Life has been providing insurance solutions for Canadians since 1887.

Reliable Life is part of the Old Republic Insurance Group, which in Canada, consists of Reliable Life and Old Republic Insurance Company of Canada. Old Republic Insurance Group is the Canadian operation for Old Republic International Corporation ("ORI" on the New York Stock Exchange), one of the 50 largest publicly held groups of specialty insurers in North America, with over CAD $13 billion in assets and a market valuation of CAD $5 billion. Old Republic is an insurance holding company whose subsidiaries market, underwrite and provide risk management services for a wide variety of coverages, principally in the property and casualty, mortgage guaranty and title insurance fields. Old Republic’s major insurance subsidiaries are rated "A+" (Superior) by A.M. Best Company. Old Republic’s financial strength is rated "AA" (Very Strong) by Standard and Poor’s.

Reliable Life is a specialty life insurer, focused on manufacturing and administering customized, private-label products for distributors of travel, life, child accident, disability and health insurance. Old Republic Insurance Company of Canada is a property and casualty insurer whose principal business is underwriting long haul trucking. More information is available on Old Republic International from their website at www.oldrepublic.com.

Products, Rates and Compensation

Reliable Life and Old Republic Insurance Group provides a competitive and comprehensive package of products to meet your needs. Our pricing models span varied North American blocks of specialty travel insurance programs, so there is no model we cannot manage.


When we say custom, we mean custom. That means that our service model is as customized as the programs we design. Paying claims is where our expertise shines, so we always handle adjudication and payment of claims.

Multiple Branding

To Reliable Life, there is only one approach to branding...yours. We deal exclusively in the private-label market, both in Canada and in the U.S. We administer and/or underwrite 13 private labelled programs, and we never directly compete against our partners. Why? We understand client relationships, and know that our strength comes from reinforcing your brand in the eyes of your clients.

We’re BIG in Travel

Over 1 million passengers are protected by our policies each year. Our strength comes as the result of an infrastructure that has the knowledge and capabilities to operate as a major player in both the Canadian and U.S. travel insurance markets. We are the largest private label insurer in Canada, and also the largest Canadian – based travel insurance supplier in the U.S. market. Our high quality services, coupled with our integrated administrative/claims capabilities, have supported double digit growth in both our Canadian and U.S. programs for several consecutive years.

We have the scale and capacity to take
care of our client’s needs now, and into the future.

Innovative Technology

Reliable Life has invested heavily in technology. Our back office systems, agency based point of sale systems and consumer Internet sites use state-of-the-art technology. Our data is tracked at a high level of detail, providing the flexibility to report the same data from differing perspectives and time periods. Our systems resources are in-house and always available to make enhancements to our systems or develop specialized tools and reporting to meet partner needs.

The Best People

Our greatest resource is our people and our success is directly attributed to the quality of our people at all levels of the organization. Our team consists of outstanding professionals, in all the required disciplines, supporting our operations on a daily basis. Our team at Reliable Life is unparalleled.