2 0 1 5 rapport annuel du surintendant des assurances affaires de

Transcription

2015
RAPPORT ANNUEL DU SURINTENDANT
DES ASSURANCES
AFFAIRES DE 2014
Ce rapport fait état des transactions effectuées par les assureurs autorisés dans la
province du Manitoba au cours de l’exercice ayant pris fin le 31 décembre 2014.
MG-7929
CENT-NEUVIÈME
RAPPORT ANNUEL
DU SURINTENDANT DES ASSURANCES
AFFAIRES DE 2014
Publié conformément aux dispositions de l’article 20 de la Loi sur les assurances du Manitoba
TABLE DES MATIÈRES
Page
Rapport du surintendant ....................................................................................................................
1
Assureurs établis au Manitoba
- Assureurs autorisés par le gouvernement fédéral...................................................................
- Assureurs autorisés par le gouvernement provincial ..............................................................
6
7
Liste des courtiers spéciaux et des assureurs autorisés
- Autorisés par le gouvernement fédéral ...................................................................................
- Autorisés par le gouvernement provincial ...............................................................................
- Assureurs en cessation d’affaires ...........................................................................................
- Bourses d'assurance réciproque ............................................................................................
- Courtiers spéciaux .................................................................................................................
8
11
12
12
13
Tableaux
- Résumé comparatif des primes et des pertes.........................................................................
14
Classes d’assurance incendie, accidents, risques divers :
- Assurance maladie et accidents corporels .............................................................................
- Assurance aviation .................................................................................................................
- Assurance automobile ............................................................................................................
- Assurance bris de machines ..................................................................................................
- Assurance détournement et assurance de cautionnement .....................................................
- Assurance contre la grêle.......................................................................................................
- Assurance responsabilité .......................................................................................................
- Assurance maritime ...............................................................................................................
- Assurances diverses non classées ailleurs ............................................................................
- Assurance de biens................................................................................................................
15
23
18
20
22
21
24
21
17
26
Assurance vie :
- Prestations aux souscripteurs versées et encourues
Contrats d’assurance et de rente (individuels et collectifs) .................................................
- Recettes tirées des primes directes payées au Manitoba .......................................................
- Conciliation de l’assurance vie au Manitoba ...........................................................................
30
29
28
Bourses d'assurance réciproque ..............................................................................................
19
Sociétés de secours mutuel .....................................................................................................
31
PROVINCE DU MANITOBA
Ministère des Finances
Le 1er septembre 2015
Destinataire :
M. Greg Dewar
Ministre des Finances
Gouvernement du Manitoba
Winnipeg (Manitoba)
Monsieur le ministre,
J’ai l’honneur de vous présenter le cent-neuvième rapport annuel du surintendant des assurances, affaires de 2014, pour
l’exercice terminé le 31 décembre 2014, concernant les divers assureurs titulaires d’une licence en vertu de la Loi sur les
assurances du Manitoba.
Sur les 230 assureurs titulaires d’une licence faisant du commerce d’assurance dans la province au cours de la dernière année de
licence, 182 étaient des assureurs à charte fédérale et 48 étaient des assureurs à charte provinciale.
Au 31 décembre 2014, les 182 assureurs à charte fédérale titulaires d’une licence en vertu
de la Loi sur les assurances du Manitoba étaient classés comme suit :
Assurance IARD (y compris les mutuelles) .................................................
Assurance vie ou assurance vie, accident et maladie ...................................
Sociétés de secours mutuel ..........................................................................
Bourse d’assurance réciproque ....................................................................
En cessation d’affaires .................................................................................
Total
119
50
10
0
3
182
Au 31 décembre 2014, les 48 assureurs à charte provinciale titulaires d’une licence en vertu
de la Loi sur les assurances du Manitoba étaient classés comme suit :
Assurance IARD (y compris les mutuelles) .................................................
Assurance vie ou assurance vie, accident et maladie ...................................
Assurance vie, assurance IARD...................................................................
Sociétés de secours mutuel ..........................................................................
Bourse d’assurance réciproque ....................................................................
En cessation d’affaires .................................................................................
Total
1
25
13
1
0
9
0
48
NOUVEAUX ASSUREURS À CHARTE FÉDÉRALE TITULAIRES D'UNE LICENCE EN 2014
ET AUTORISÉS À SOUSCRIRE LES ASSURANCES SUIVANTES
Nom
Classes d’assurance
Darwin National Assurance Company
Biens, grêle, bris de machines, crédit, détournements,
responsabilité, frais de justice et maritime
Starr Insurance & Reinsurance Limited
Biens, accidents corporels et maladie, aviation, bris de
machines, crédit, détournements, responsabilité, maritime
et cautionnement
NOUVEAUX ASSUREURS À CHARTE PROVINCIALE TITULAIRES D'UNE LICENCE EN 2014
ET AUTORISÉS À SOUSCRIRE LES ASSURANCES SUIVANTES
Nom
Classes d’assurance
Orion Travel Insurance Company
Biens et accidents corporels et maladie
ASSUREURS À CHARTE FÉDÉRALE DONT LE NOM A CHANGÉ EN 2014
De
À
International Insurance Company of Hannover Plc
Penncorp, La Compagnie d’assurance-vie
Provenance, compagnie d’assurance-vie
Sompo Japan Insurance Inc.
Sunderland Marine Mutual Insurance Company Limited
(Canada Branch)
XL Insurance Company Limited
International Insurance Company of Hannover SE
La Capitale sécurité financière
Girafe & Cie, compagnie d’assurance-vie
Assurances Sompo Nipponkoa du Japon Inc.
Société d'assurance maritime Sunderland Limitée
(succursale canadienne)
Compagnie d'assurance XL
ASSUREURS À CHARTE PROVINCIALE DONT LE NOM A CHANGÉ EN 2014
Aucun
2
ASSUREURS À CHARTE FÉDÉRALE QUI ONT FUSIONNÉ EN 2014
AXA Assurances (Canada)
AXA Pacifique compagnie d'assurance
Intact, Compagnie d'assurance
Nom de la compagnie issue de la fusion :
Intact, Compagnie d'assurance
L'Assurance financière CT
TD, Compagnie d'assurance-vie
TD, Compagnie d'assurance-vie
Société d’assurance générale Northbridge
Société d’assurance d’indemnisation Northbridge
Société d’assurance générale Northbridge
ASSUREURS À CHARTE PROVINCIALE QUI ONT FUSIONNÉ EN 2014
Aucun
ASSUREURS À CHARTE FÉDÉRALE
AYANT CESSÉ LEURS ACTIVITÉS COMMERCIALES AU MANITOBA EN 2014
Arch Insurance Company
AXA Assurances (Canada)
AXA Pacifique Compagnie d'Assurance
L'Assurance Financière CT
Société d’assurance d’indemnisation Northbridge
The Shipowners’ Mutual Protection & Indemnity Association (Luxembourg)
ASSUREURS À CHARTE PROVINCIALE
AYANT CESSÉ LEURS ACTIVITÉS COMMERCIALES AU MANITOBA EN 2014
AXA Assurances Inc./AXA Insurance Inc.
3
LICENCES D’AGENT ET LICENCES D’EXPERT DÉLIVRÉES PAR LE SURINTENDANT DES ASSURANCES
Au cours de l’année de licence allant du 1er juin 2014 au 31 mai 2015, le surintendant des assurances a délivré 830 licences
d’agent, classées comme suit :
Grêle .............................................................................................................
Accidents et bagages ....................................................................................
Bétail ............................................................................................................
Maritime .......................................................................................................
Aviation ........................................................................................................
160
666
3
1
0
Total
830
Au cours de l’année de licence allant du 1er juillet 2014 au 30 juin 2015, le surintendant des assurances a délivré 81 licences
d’experts en assurance contre la grêle.
LICENCES D’AGENT ET LICENCES D’EXPERT EN SINISTRES DÉLIVRÉES PAR LE CONSEIL D’ASSURANCE
DU MANITOBA
Au cours de l’année de licence allant du 1er juin 2014 au 31 mai 2015, le Conseil d’assurance du Manitoba a délivré
13 599 licences d’agent, classées comme suit :
IARD (toutes classes sauf l’assurance vie) ................................................... 5 486
Assurance vie ............................................................................................... 4 058
Assurance accidents corporels et maladie ..................................................... 4 055
Total
13 599
Au cours de l’année de licence allant du 1er juillet 2014 au 30 juin 2015, le Conseil des assurances du Manitoba a délivré
439 licences d’expert en sinistres, classées comme suit :
Experts .......................................................................................................... 145
Experts adjoints ............................................................................................ 294
Total
439
RAPPORTS SINISTRES-PRIMES POUR CHACUNE DES CLASSES D’ASSURANCE
AUTRES QUE L’ASSURANCE VIE
(Pertes subies, y compris les frais d’expertise, par rapport aux primes directes souscrites)
Accidents corporels et maladie .........
Aviation............................................
Automobile.......................................
Bris de machines ..............................
Détournements et cautionnement .....
Grêle .................................................
Responsabilité ..................................
Maritime ...........................................
Biens ................................................
4
2011
2012
52,98 %
17,57
92,02
29,73
-26,42
17,38
40,66
50,26
58,13
53,58 %
127,48
85,38
31,92
19,26
61,89
45,45
53,13
62,13
2013
2014
54,93 %
29,84
91,75
24,45
1,80
38,56
-8,45
55,08
61,22
55,34 %
132,88
96,17
3,49
49,21
44,00
23,86
80,92
77,06
LOIS ET RÈGLEMENTS APPLIQUÉS
Loi sur les assurances
Loi sur l’imposition des compagnies d’assurance
Perception de la taxe stipulée dans le Règlement sur les cotisations relatives à l’assurance sur les biens, un
règlement d’application de la Loi sur la prévention des incendies et les interventions d’urgence
Loi sur l’assurance maritime
En septembre 2014, des modifications ont été apportées à la Loi sur les assurances. Ces modifications ont
actualisé la Loi et l’ont harmonisée avec des articles comparables en vigueur dans plusieurs autres administrations.
MANDAT
Fournir un cadre législatif et réglementaire pour promouvoir le secteur des assurances au Manitoba et éduquer les consommateurs
sur les questions d’assurance. Le respect de ce mandat exige l’accomplissement des tâches suivantes :
Répondre aux demandes de renseignements généraux sur les assurances
Accorder aux assureurs les licences nécessaires aux opérations commerciales dans le domaine de l’assurance
Vérifier la solvabilité des assureurs constitués en corporation au Manitoba
Vérifier les activités réglementaires du Conseil d’assurance du Manitoba et assurer la liaison avec cet organisme
Régler par la médiation des litiges entre les consommateurs, les agents, les experts en sinistres et les assureurs
Rédiger le rapport annuel requis en vertu de la Loi sur les assurances
En outre, la Direction perçoit :
l’impôt sur les primes perçues conformément à la Loi sur l’imposition des compagnies d’assurance;
le montant prévu dans le Règlement sur les cotisations relatives à l’assurance sur les biens en vertu de la Loi sur
la prévention des incendies et les interventions d’urgence.
PERSONNEL
Le personnel de la Direction de la réglementation des institutions financières applique la Loi sur les assurances. La Direction est
également chargée de l’application de la Loi sur les caisses populaires et les credit unions, de la Partie XXIV de la Loi sur les
corporations et de la Loi sur les coopératives.
En date du 1er octobre 2012, la Direction a été incorporée à un nouvel organisme de service spécial : l’Office des services
financiers du Manitoba. En plus de la Direction de la réglementation des institutions financières, l’Office des services financiers
du Manitoba assure le fonctionnement de la Commission des valeurs mobilières du Manitoba.
Au 31 mars 2015, le personnel de la Direction de la réglementation des institutions financières comptait neuf personnes.
CONSEIL CANADIEN DES RESPONSABLES DE LA RÉGLEMENTATION D’ASSURANCE
La conférence annuelle du Conseil canadien des responsables de la réglementation d’assurance a eu lieu à Fredericton, au
Nouveau-Brunswick, les 2 et 3 octobre 2014. Toutes les provinces et tous les territoires étaient représentés.
Les personnes suivantes assumaient la direction du Conseil en 2014 :
Présidente ...................... Carolyn Rogers, surintendante des assurances, Colombie-Britannique
Vice-président ............... Philip Howell, directeur général et surintendant des services financiers, Ontario
Vice-président ............... Doug Murphy, surintendant des assurances, Nouvelle-Écosse
Vice-président ............... Patrick Dery, surintendant de la solvabilité, Québec
La Province de Terre-Neuve-et-Labrador accueillera la conférence de 2015 à St. John’s.
Le tout respectueusement soumis,
Le surintendant des assurances par intérim,
Ken Lofgren
5
FEDERALLY LICENSED INSURERS BASED IN MANITOBA
C.E.F.G. FEDERATED INSURANCE COMPANY OF CANADA
Silvy Wright, Chief Agent in Canada
255 Commerce Dr., Box 5800, Winnipeg, MB R3C 3C9, Telephone: (204) 786-6431
B.
GREAT-WEST LIFE ASSURANCE COMPANY, THE
Paul A. Mahon, Chief Agent in Canada
100 Osborne St. N., Winnipeg, MB R3C 3A5, Telephone: (204) 946-7575
C.F.G.
PORTAGE LA PRAIRIE MUTUAL INSURANCE COMPANY, THE
John G. Mitchell, Chief Agent in Canada
749 Saskatchewan Ave. E., Box 340, Portage la Prairie, MB R1N 3B8, Telephone: (204) 857-3415
Frat.
UKRAINIAN FRATERNAL SOCIETY OF CANADA
Michael A. Lasko, Chief Agent in Canada
235 McGregor St., Winnipeg, MB R2W 4W5, Telephone: (204) 586-4482
B.
WAWANESA LIFE INSURANCE COMPANY, THE
Graham Haigh, Chief Agent in Canada
400 - 200 Main Street, Winnipeg, MB R3C 1A8, Telephone: (204) 985-3821
C.E.F.G. WAWANESA MUTUAL INSURANCE COMPANY, THE
Graham Haigh, Chief Agent in Canada
191 Broadway, Winnipeg, MB R3C 3P1, Telephone: (204) 985-3821
C.F.
WESTERN FINANCIAL INSURANCE COMPANY
Jody S. Langhan, Chief Agent in Canada
300-600 Empress Street, Winnipeg, MB R3G 0R5, Telephone: (204) 942-2999
C.F.G.
WYNWARD INSURANCE GROUP
Darryl Levy, Chief Agent in Canada
1240 One Lombard Pl., Winnipeg, MB R3B 0V9, Telephone: (204) 943-0721
6
PROVINCIALLY LICENSED INSURERS BASED IN MANITOBA
Recip.
CANADIAN APPLICATORS INSURANCE RECIPROCAL
James A. Peters
Chief Agent in Canada
1002 Warsaw Ave.
Winnipeg, MB R3M 1E4
Telephone: (204) 477-4770
Mut.Fire HUTTERIAN BRETHREN MUTUAL INSURANCE CORPORATION
Sam Waldner
703-1661 Portage Ave.
Winnipeg, MB R3J 3T7
Telephone: (204) 943-1565
C.F.G.
RED RIVER VALLEY MUTUAL INSURANCE COMPANY
Brian Esau
245 Centre Ave. E., PO Box 940
Altona, MB R0G 0B0
Telephone: (204) 324-2441
7
INSURERS, RECIPROCAL EXCHANGES AND FRATERNAL SOCIETIES LICENSED TO
TRANSACT BUSINESS UNDER THE INSURANCE ACT IN MANITOBA TO DECEMBER 31, 2015
The letter(s) preceding each insurer designate the class(es) of insurance wherein each is authorized to transact business.
(The types within the classes are designated on each licence.)
DESCRIPTION OF THE CLASSES OF INSURANCE WHICH MAY BE AUTHORIZED
LIC.CODE
A.
LIFE insurance only.
B.
LIFE, PERSONAL ACCIDENT AND SICKNESS insurance only.
C.
PROPERTY insurance, being insurance with the meaning of fire, inland transportation, livestock, plate glass, sprinkler leakage, theft
and weather insurance.
E.
HAIL insurance.
F.
Accident and sickness, aircraft, boiler and machinery, credit, credit protection, fidelity, legal expense, liability, marine, mortgage,
other approved products, surety and title insurance.
(Note: 'Miscellaneous' Class F - an insurer may be authorized to write any one, or more, of the lines indicated. For specific lines
authorized in this Class F, verify with Company Licence Records.)
G.
AUTOMOBILE insurance of any kind.
Mut. Fire
- MUTUAL FIRE
Disc.
- DISCONTINUING LICENCE - This is a limited licence issued to an insurer that has discontinued undertaking or renewing
insurance contracts in Manitoba, but continues to be liable under existing contracts.
Frat.
- FRATERNAL SOCIETIES
Recip.
- RECIPROCAL EXCHANGES
FEDERALLY LICENSED INSURERS
LIC.CODE
C.E.F.G.
B.
Frat.
B.
C.F.
C.E.F.G.
C.E.F.G.
B.
C.E.F.
F.
C.F.G.
B.
A.
B.
G.
C.E.F.G.
C.F.G.
C.E.F.G.
C.F.G.
A.
F.
C.E.F.G.
C.F.
B.
C.E.F.G.
B.
B.
C.E.F.G.
B.
C.F.
B.
F.
B.
B.
C.F.G.
B.
F.
C.F.G.
B.
B.
F.
B.
INSURER NAME and CANADIAN HEAD OFFICE ADDRESS
ACE INA INSURANCE, 1400-25 York St., Toronto, ON M5J 2V5
ACE INA LIFE INSURANCE, 1400-25 York St., Toronto, ON M5J 2V5
ACTRA FRATERNAL BENEFIT SOCIETY, 1000 Yonge St., Toronto, ON M4W 2K2
AETNA LIFE INSURANCE COMPANY, c/o CAS Accounting, 2-1145 Nicholson Rd., Newmarket, ON L3Y 9C3
AFFILIATED F M INSURANCE COMPANY, 500-165 Commerce Valley Dr. W., Thornhill, ON L3T 7V8
AIG INSURANCE COMPANY OF CANADA, 14th-145 Wellington St. W., Toronto, ON M5J 1H8
ALLIANZ GLOBAL RISKS US INSURANCE COMPANY, 1600-130 Adelaide St. W., Toronto, ON M5H 3P5
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA, 700-2005 Sheppard Ave. E., Toronto, ON M2J 3B4
ALLIED WORLD SPECIALTY INSURANCE COMPANY, 200 King St. W., Ste. 1600, Toronto ON M5H 3T4
ALLSTATE INSURANCE COMPANY OF CANADA, 100-27 Allstate Pkwy., Markham, ON L3R 5P8
AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA, 2000-5000 Yonge St., Toronto, ON M2N 7E9
AMERICAN BANKERS LIFE ASSURANCE COMPANY OF FLORIDA, 2000-5000 Yonge St., Toronto, ON M2N 7E9
AMERICAN HEALTH AND LIFE INSURANCE COMPANY, 355 Wellington St., London, ON N6A 3N7
AMERICAN INCOME LIFE INSURANCE COMPANY, c/o McLean & Kerr, 2800-130 Adelaide St. W., Toronto, ON M5H 3P5
AMERICAN ROAD INSURANCE COMPANY, c/o CAS Accounting, 2-1145 Nicholson Rd., Newmarket, ON L3Y 9C3
ARCH INSURANCE CANADA LTD., 3600-77 King St. W., Toronto, ON M5K 1K2
ASCENTUS INSURANCE LTD., 18 York Street, Suite 800., Toronto, ON M5J 2T8
ASPEN INSURANCE UK LIMITED, 2100-40 King St. W., Toronto, ON M5H 3C2
ASSOCIATED ELECTRIC & GAS INSURANCE SERVICES LIMITED, 2100-40 King St. W., Toronto, ON M5H 3C2
ASSURANT LIFE OF CANADA, 2000-5000 Yonge St., Toronto, ON M2N 7E9
ATRADIUS CREDIT INSURANCE N.V., 83 Little Bridge St., Unit 12, PO Box 1346, Almonte, ON K0A 1A0
AVIVA INSURANCE COMPANY OF CANADA, 2206 Eglinton Ave. E., Scarborough, ON M1L 4S8
AXA ART INSURANCE CORPORATION, 500 King St. W., 3rd Floor, Toronto ON M5V 1L9
AXA EQUITABLE LIFE INSURANCE COMPANY, 606-55 Town Centre Ct., Scarborough, ON M1P 4X4
AXIS REINSURANCE COMPANY (CANADIAN BRANCH), 1010-70 York St., Toronto ON M5J 1S9
BMO LIFE ASSURANCE COMPANY, 60 Yonge St., Toronto, ON M5E 1H5
BMO LIFE INSURANCE COMPANY, 60 Yonge Street, 11th Floor, Toronto, ON M5E 1H5
BERKLEY INSURANCE COMPANY, 145 King St. West, Ste. 1000, Toronto, ON M5H 1J8
BLUE CROSS LIFE INSURANCE COMPANY OF CANADA, 644 Main St., Box 220, Moncton, NB E1C 8L3
BOILER INSPECTION AND INSURANCE COMPANY OF CANADA, 30th Fl., 250 Yonge St., Toronto, ON M5B 2L7
CIBC LIFE INSURANCE COMPANY LIMITED, 900-3 Robert Speck Parkway, Mississauga, ON L4Z 2G5
CANADA GUARANTY MORTGAGE INSURANCE COMPANY, 400-1 Toronto St., Toronto ON, M5C 2V6
CANADA LIFE ASSURANCE COMPANY, 330 University Ave., Toronto, ON M5G 1R8
CANADA LIFE INSURANCE COMPANY OF CANADA, 330 University Ave., Toronto, ON M5G 1R8
CANADIAN NORTHERN SHIELD INSURANCE COMPANY, 18 York St., Ste. 800, Toronto, ON M5J 2T8
CANADIAN PREMIER LIFE INSURANCE COMPANY, 5000 Yonge Street, Toronto ON M2N 7J8
CHICAGO TITLE INSURANCE COMPANY, 55 Superior Blvd., Mississauga, ON L5T 2X9
CHUBB INSURANCE COMPANY OF CANADA, 199 Bay St., Ste. 2500, PO Box 139, Toronto, ON M5L 1E2
CIGNA LIFE INSURANCE COMPANY OF CANADA, 606-55 Town Centre Ct., Scarborough, ON M1P 4X4
COMBINED INSURANCE COMPANY OF AMERICA, 300-7300 Warden Ave., Markham, ON L3R 0X3
COMPAGNIE FRANÇAISE D’ASSURANCE POUR LE COMMERCE EXTÉRIEUR,
910-251 Consumers Rd., Toronto, ON M2J 4R3
COMPCORP LIFE INSURANCE COMPANY, 3110-250 Yonge St., Toronto, ON M5B 2L7
8
B.
C.E.F.G.
C.E.F.G.
B.
C.F.G.
C.F.G.
C.F.G.
B.
F.
C.E.F.G.
C.F.G.
C.F.G.
C.F.G.
C.F.G.
C.F.G.
B.
C.F.G.
B.
F.
C.E.F.G.
C.F.
C.F.
Frat.
C.F.G.
C.E.F.G.
C.E.F.G.
F.
C.F.G.
B.
F.
A.
B
C.F.
Frat.
C.E.F.G.
B.
F.
C.F.G.
C.F.
C.E.F.G.
Frat.
C.E.F.G.
C.F.G.
C.F.
C.F.G.
C.F.
Frat.
B.
C.F.
B.
C.F.G.
B.
C.E.F.G.
B.
A.
B.
C.F.G.
C.F.G.
F.
C.F.G.
C.E.F.G.
C.F.
B.
C.F.G.
C.E.F.G.
C.E.F.G.
C.E.F.G.
C.E.F.G.
C.F.G.
CONNECTICUT GENERAL LIFE INSURANCE COMPANY, 606-55 Town Centre Ct., Scarborough, ON M1P 4X4
CONTINENTAL CASUALTY COMPANY, 1500-250 Yonge St., Toronto, ON M5B 2L7
CO-OPERATORS GENERAL INSURANCE COMPANY, 130 MacDonell St., Priory Square, Guelph, ON N1H 6P8
CO-OPERATORS LIFE INSURANCE COMPANY, 130 MacDonell St., Priory Square, Guelph, ON N1H 6P8
COREPOINTE INSURANCE COMPANY, 2-1145 Nicholson Rd., Newmarket, ON L3Y 9C3
COSECO INSURANCE COMPANY, 130 MacDonell St., Priory Square, Guelph, ON N1H 6P8
CUMIS GENERAL INSURANCE COMPANY, 151 North Service Rd., Burlington, ON L7R 4C2
CUMIS LIFE INSURANCE COMPANY, 151 North Service Rd., Burlington, ON L7R 4C2
DAS LEGAL PROTECTION INSURANCE COMPANY LIMITED, 390 Bay St., Ste. 1610, Toronto, ON M5H 2Y2
DOMINION OF CANADA GENERAL INSURANCE COMPANY, 165 University Ave., Toronto, ON M5H 3B9
ECCLESIASTICAL INSURANCE OFFICE PUBLIC LIMITED COMPANY, 2200-20 Eglinton Ave. W.,
Box 2004, Toronto, ON M4R 1K8
ECHELON INSURANCE, 300-2680 Matheson Blvd. E., Mississauga, ON L4W 0A5
ECONOMICAL MUTUAL INSURANCE COMPANY, 111 Westmount Rd. S., Box 2000, Waterloo, ON N2J 4S4
ELECTRIC INSURANCE COMPANY, 2100-40 King St. W., Toronto ON M5H 3C2
ELITE INSURANCE COMPANY, 2206 Eglinton Ave. E., Scarborough, ON M1L 4S8
EMPIRE LIFE INSURANCE COMPANY, 243-259 King St. E., Kingston, ON K7L 3A8
EMPLOYERS INSURANCE COMPANY OF WAUSAU, 1000-181 Bay Street, Toronto ON M5J 2T3
EQUITABLE LIFE INSURANCE COMPANY OF CANADA, One Westmount Rd. N., Waterloo, ON N2J 4C7
EULER HERMES NORTH AMERICA INSURANCE COMPANY, 2810-1155 Rene-Levesque Blvd. W., Montreal, QC H3B 2L2
EVEREST INSURANCE COMPANY OF CANADA, 130 Bloor St. W., Ste. 602, Toronto, ON M5S 1N5
FCT INSURANCE COMPANY LTD., 2235 Sheridan Garden Dr., Oakville, ON L6J 7Y5
FACTORY MUTUAL INSURANCE COMPANY, 500-165 Commerce Valley Dr. W., Thornhill, ON L3T 7V8
FAITHLIFE FINANCIAL, 470 Weber St. N., Waterloo, ON N2J 4G4
FEDERAL INSURANCE COMPANY, 199 Bay St., Ste. 2500, PO Box 139, Toronto, ON M5L 1E2
FEDERATED INSURANCE COMPANY OF CANADA, 255 Commerce Drive, PO Box 5800, Winnipeg, MB R3C 3C9
FEDERATION INSURANCE COMPANY OF CANADA, 1400-5 Ville Marie Place, Montreal, QC H3B 0A8
FIRST AMERICAN TITLE INSURANCE COMPANY, 2235 Sheridan Garden Dr., Oakville, ON L6J 7Y5
FIRST NORTH AMERICAN INSURANCE COMPANY, 2 Queen St. E., Toronto, ON M5C 3G7
FORESTERS LIFE INSURANCE COMPANY, 789 Don Mills Road, Toronto ON, M3C 1T9
GENWORTH FINANCIAL MORTGAGE INSURANCE COMPANY CANADA, 300-2060 Winston Park Drive.,
Oakville, ON L6H 5R7
GERBER LIFE INSURANCE COMPANY, Unit 2, 1145 Nicholson Rd., Newmarket, ON L3Y 9C3
GIRAFFE & FRIENDS LIFE INSURANCE COMPANY, 880 Laurentian Drive, Ste. 200, Burlington ON L7N 3V6
GORE MUTUAL INSURANCE COMPANY, 252 Dundas St., Cambridge, ON N1R 5T3
GRAND ORANGE LODGE OF BRITISH AMERICA, 94 Sheppard Ave. W., Willowdale, ON M2N 1M5
GREAT AMERICAN INSURANCE COMPANY, 2100-40 King St. W., Toronto, ON M5H 3C2
GREAT-WEST LIFE ASSURANCE COMPANY, 100 Osborne St. N., Winnipeg, MB R3C 3A5
GREEN SHIELD CANADA, 2100-5140 Yonge St., Toronto, ON M2N 6L7
GUARANTEE COMPANY OF NORTH AMERICA, 1400-4950 Yonge St., Toronto, ON M2N 6K1
HDI-GERLING INDUSTRIE VERSICHERUNG AG, CANADA BRANCH, 181 University Avenue, Suite 1900
Toronto, ON M5H 3M7
HARTFORD FIRE INSURANCE COMPANY, 1010-121 King St. W., TORONTO, ON M5H 3T9
INDEPENDENT ORDER OF FORESTERS, 789 Don Mills Rd., Toronto, ON M3C 1T9
INTACT INSURANCE COMPANY, 700 University Ave., Suite 1500-A (Legal), Toronto, ON M5G 0A1
INTERNATIONAL INSURANCE COMPANY OF HANNOVER SE, 220 Bay St., Ste. 400,
Toronto ON M5J 2W4
IRONSHORE INSURANCE LTD., 320 Bay St., Ste. 1500, Toronto, ON M5H 4A6
JEVCO INSURANCE COMPANY, 700 University Ave., Ste. 1500-A, Toronto ON M5G 0A1
JEWELERS MUTUAL INSURANCE COMPANY, 40 King St. W, Ste. 2100, Toronto ON M5H 3C2
KNIGHTS OF COLUMBUS, c/o Wilkinson & Company, LLP, 100-139 Front St., Belleville, ON K8N 5B5
LA CAPITALE FINANCIAL SECURITY INSURANCE COMPANY, 7150 Derrycrest Dr., Mississauga, ON L5W 0E5
LEGACY GENERAL INSURANCE COMPANY, 5000 Yonge Street, Toronto ON M2N 7J8
LIBERTY LIFE ASSURANCE COMPANY OF BOSTON, 1000-181 Bay St., Toronto, ON M5J 2T3
LIBERTY MUTUAL INSURANCE COMPANY, 1000-181 Bay St., Toronto, ON M5J 2T3
LIFE INSURANCE COMPANY OF NORTH AMERICA, 606-55 Town Centre Ct., Scarborough, ON M1P 4X4
LLOYD’S UNDERWRITERS, 2220-1155 Metcalfe St., Montreal, QC H3B 2V6
LONDON LIFE INSURANCE COMPANY, 255 Dufferin Ave., London, ON N6A 4K1
MD LIFE INSURANCE COMPANY, 1870 Alta Vista Dr., Ottawa, ON K1G 6R7
MANUFACTURERS LIFE INSURANCE COMPANY, 200 Bloor St. E., Toronto, ON M4W 1E5
MISSISQUOI INSURANCE COMPANY, 111 Westmount Road S., Waterloo, ON N2J 4S4
MITSUI SUMITOMO INSURANCE COMPANY, LIMITED, 199 Bay St., Ste. 2500, PO Box 139, Toronto, ON M5L 1E2
MORTGAGE INSURANCE COMPANY OF CANADA, 400-100 Yonge St. , Toronto, ON M5H 1H1
MOTORS INSURANCE CORPORATION, 400-8500 Leslie St., Thornhill, ON L3T 7M8
MUNICH REINSURANCE AMERICA, INC., Munich Re Centre, 22nd Flr.-390 Bay St., Toronto, ON M5H 2Y2
NATIONAL LIABILITY & FIRE INSURANCE COMPANY, 200 Front St. W., Ste. 2702, Toronto, ON M5V 3K2
NEW YORK LIFE INSURANCE COMPANY, c/o Cassels, Brock & Blackwell, 2100-40 King St. W., Toronto, ON M5H 3C2
NORDIC INSURANCE COMPANY OF CANADA, 700 University Ave., Ste. 1500-A, Toronto, ON M5G 0A1
NORTHBRIDGE COMMERCIAL INSURANCE CORPORATION, 105 Adelaide St. W., Toronto, ON M5H 1P9
NORTHBRIDGE GENERAL INSURANCE CORPORATION, 105 Adelaide St. W., Toronto, ON M5H 1P9
NORTHBRIDGE PERSONAL INSURANCE CORPORATION, 105 Adelaide St. W., Toronto, ON M5H 1P9
NORTH WATERLOO FARMERS MUTUAL INSURANCE COMPANY, 100 Erb St. E., Waterloo, ON N2J 1L9
NOVEX INSURANCE COMPANY, 700 University Ave., Suite 1500-A (Legal), Toronto, ON M5G 0A1
9
C.F.G.
C.E.F.G.
Frat.
C.F.G.
C.F.G.
C.F.G.
B.
C.F.G.
B.
C.F.G.
C.F.G.
C.F.G.
B.
B.
B.
C.E.F.G.
C.F.G.
C.F.
C.F.G.
F.
B.
C.F.G.
F.
C.F.G.
C.F.G.
C.F.G.
Frat.
C.E.F.G.
A.
C.F.
F.
B.
B.
C.F.
Frat.
B.
C.F.G.
C.F.G.
B.
C.F.G.
C.F.G.
C.E.F.G.
C.F.G.
C.E.F.G.
C.F.G.
B.
C.E.F.G.
C.E.F.
C.F.
Frat.
Frat.
C.F.G.
B.
F.
C.F.G.
C.F.G.
B.
C.E.F.G.
C.E.F.G.
C.F.
B.
F.
C.F.G.
C.F.G.
C.F.G.
C.E.F.G.
C.F.G.
C.F.G.
C.F.G.
OLD REPUBLIC INSURANCE COMPANY OF CANADA, 100 King St. W., Box 557, Hamilton, ON L8N 3K9
OMEGA GENERAL INSURANCE COMPANY, 34 King St. E., Ste. 1200, Toronto, ON M5C 2X8
ORDER OF UNITED COMMERCIAL TRAVELERS OF AMERICA, 300-901 Centre St. N., Calgary, AB T2E 2P6
PERSONAL INSURANCE COMPANY, 6300 Guillaume-Couture Blvd.., Levis, QC G6V 6P9
PERTH INSURANCE COMPANY, 111Westmount Rd. S., PO Box 2000, Waterloo, ON N2J 4S4
PORTAGE LA PRAIRIE MUTUAL INSURANCE COMPANY, 749 Saskatchewan Ave. E., Box 340,
Portage la Prairie, MB R1N 3B8
PRIMERICA LIFE INSURANCE COMPANY OF CANADA, 300-2000 Argentia Rd., Mississauga, ON L5N 2R7
PRIMMUM INSURANCE COMPANY, 12th -50 Place Cremazie, Montreal, QC H2P 1B6
PRINCIPAL LIFE INSURANCE COMPANY, c/o Cassels Brock Lawyers., 40 King St. W., Ste. 2100, Toronto, ON M5H 3C2
PROTECTIVE INSURANCE COMPANY, 34 King St. E., Ste. 1200, Toronto, ON M5C 2X8
RBC GENERAL INSURANCE COMPANY, 6880 Financial Dr., Tower 1, 9th Flr., Mississauga, ON L5N 7Y5
RBC INSURANCE COMPANY OF CANADA, 6880 Financial Dr., West Tower, Mississauga, ON L5N 7Y5
RBC LIFE INSURANCE COMPANY, 6880 Financial Dr., West Tower, Mississauga, ON L5N 7Y5
RGA LIFE REINSURANCE COMPANY OF CANADA, 1981 McGill College Ave., 13th Flr., Montreal, QC H3A 3A8
RELIABLE LIFE INSURANCE COMPANY, 100 King St. W., Box 557, Hamilton, ON L8N 3K9
ROYAL & SUN ALLIANCE INSURANCE COMPANY OF CANADA, 18 York Street, Suite 800, Toronto, ON M5J 2T8
ST. PAUL FIRE AND MARINE INSURANCE COMPANY, 20 Queen St. W., Ste. 200, PO Box 5, Toronto, ON M5H 3R3
SAFETY NATIONAL CASUALTY CORPORATION, 40 King St. W., Ste. 2100, Toronto, ON M5H 3C2
SASKATCHEWAN MUTUAL INSURANCE COMPANY, 279-3rd Ave. N., Saskatoon, SK S7K 2H8
SCOTIA GENERAL INSURANCE COMPANY, 400-100 Yonge St., Toronto, ON M5H 1H1
SCOTIA LIFE INSURANCE COMPANY, c/o Scotia Insurance, 400-100 Yonge St., Toronto, ON M5H 1H1
SCOTTISH & YORK INSURANCE CO. LIMITED, 500-2206 Eglinton Ave. E., Scarborough ON M1L 4S8
SECURITY INSURANCE COMPANY OF HARTFORD, 1145 Nicholson Rd., Unit 2, Newmarket, ON L3Y 9C3
SECURITY NATIONAL INSURANCE COMPANY, 12th-50 Place Cremazie, Montreal, QC H2P 1B6
SENTRY INSURANCE A MUTUAL COMPANY, c/o Cassels Brock Blackwell,
Ste. 2100 – Scotia Tower, 40 King St. W., Toronto, ON M5H 3C2
SOMPO JAPAN NIPPONKOA INSURANCE INC., 1400-25 York Street, Toronto, ON M5J 2V5
SONS OF SCOTLAND BENEVOLENT ASSOCIATION, 801-505 Consumers Road, Toronto, ON M2J 4V8
SOVEREIGN GENERAL INSURANCE COMPANY, 130 MacDonell St., Priory Square, Guelph, ON N1H 6P8
STANDARD LIFE ASSURANCE LIMITED, 200-1245 Sherbrooke St. W., Montreal, PQ H3G 1G3
STARR INSURANCE & REINSURANCE LIMITED, 200 King St. W., Ste. 1805, PO Box 16, Toronto ON M5H 3T4
STEWART TITLE GUARANTY COMPANY, 2600-200 Bay Street, Toronto, ON M5J 2J2
SUN LIFE ASSURANCE COMPANY OF CANADA, 150 King St. W., 14th Floor, Toronto, ON M5H 1J9
SUN LIFE INSURANCE (CANADA) LIMITED, 150 King St. W., 14th Floor, Toronto, ON M5H 1J9
SUNDERLAND MARINE INSURANCE COMPANY LIMITED (CANADA BRANCH),
701-890 West Pender St., Vancouver BC V6C 1J9
SUPREME COUNCIL OF THE ROYAL ARCANUM, 1 Hunter St. E., Ste. 200, Hamilton, ON L8N 3R1
SWISS REINSURANCE COMPANY LTD., 1000-150 King St. W., Toronto, ON M5H 1J9
TD GENERAL INSURANCE COMPANY, 12th-50 Place Cremazie, Montreal, QC H2P 1B6
TD HOME AND AUTO INSURANCE COMPANY, 2161 Yonge St., 4th Floor, Toronto, ON M4S 3A6
TD LIFE INSURANCE COMPANY, 120 Adelaide St. W., 2nd Flr, Toronto, ON M5H 1T1
T.H.E. INSURANCE COMPANY, 200 University Ave., 14th Flr., Toronto, ON M5H 3C6
TECHNOLOGY INSURANCE COMPANY, INC., 40 King St. W., 2100 Scotia Plaza, Toronto, ON M5H 3C2
TEMPLE INSURANCE COMPANY, 22nd-390 Bay St., Toronto, ON M5H 2Y2
TOKIO MARINE & NICHIDO FIRE INSURANCE CO., LTD., 105 Adelaide St. W., Toronto, ON M5H 1P9
TRADERS GENERAL INSURANCE COMPANY, 500-2206 Eglinton Ave. E., Scarborough, ON M1L 4S8
TRAFALGAR INSURANCE COMPANY OF CANADA, 700 University Ave.,Ste. 1500-A, Toronto, ON M5G 0A1
TRANSAMERICA LIFE CANADA, 5000 Yonge St., Toronto, ON M2N 7J8
TRAVELERS INSURANCE COMPANY OF CANADA, 20 Queen St. W., Ste. 200, PO Box 5, Toronto, ON M5H 3R3
TRISURA GUARANTEE INSURANCE COMPANY,1610-333 Bay St., Box 22, Toronto, ON M5H 2R2
TRITON INSURANCE COMPANY, 355 Wellington St., London, ON N6A 3N7
UKRAINIAN FRATERNAL SOCIETY OF CANADA, 235 McGregor St., Winnipeg, MB R2W 4W5
UKRAINIAN NATIONAL ASSOCIATION, INC., c/o Pugster Consulting Inc., 102-90 Allstate Parkway, Markham, ON L3R 6H3
UNIFUND ASSURANCE COMPANY, 10 Factory Lane, Fort William Bldg., St. John's, NL A1C 6H5
UNITED AMERICAN INSURANCE COMPANY, c/o McLean & Kerr, 2800-130 Adelaide St. W., Toronto, ON M5H 3P5
VSP CANADA VISION CARE INSURANCE, 7695 Chemin de la Cote-de-Liesse, Saint-Laurent QC H4T 1G2
VIRGINIA SURETY COMPANY, INC., 34 King St. E., Ste. 1200, Toronto, ON M5C 2X8
WATERLOO INSURANCE COMPANY, 111 Westmount Rd. S., Waterloo, ON N2J 4S4
WAWANESA LIFE INSURANCE COMPANY, 400-200 Main Street, Winnipeg, MB R3C 1A8
WAWANESA MUTUAL INSURANCE COMPANY, 191 Broadway, Winnipeg, MB R3C 3P1
WESTERN ASSURANCE COMPANY, 18 York Street, Suite 800, Toronto, ON M5J 2T8
WESTERN FINANCIAL INSURANCE COMPANY, 300-600 Empress St., Winnipeg, MB R3G 0R5
WESTERN LIFE ASSURANCE COMPANY, 1010-24 Street S.E., High River, AB T1V 2A7
WESTERN SURETY COMPANY, 2100-1881 Scarth St., Regina, SK S4P 4K9
WESTPORT INSURANCE CORPORATION, 1000-150 King St. W., Toronto, ON M5H 1J9
WYNWARD INSURANCE GROUP, 1240-1 Lombard Pl., Winnipeg, MB R3B 0V9
XL INSURANCE COMPANY SE, 100 Yonge St., Ste. 1200., Toronto, ON M5C 2W1
XL REINSURANCE AMERICA INC., 100 Yonge St.., Ste. 1702, Toronto ON M5C 2W1
XL SPECIALTY INSURANCE COMPANY, 100 Yonge St., Ste. 1200, Toronto ON M5C 2W1
ZENITH INSURANCE COMPANY, 105 Adelaide St. W., Toronto, ON M5H 1P9
ZURICH INSURANCE COMPANY LTD, 100 King St. W., Ste. 5500, PO Box 290., Toronto, ON M5X 1C9
10
PROVINCIALLY LICENSED INSURERS
E.
C.F.G.
B.
F.
C.F.G.
C.F.G.
C.F.G.
A.C.F.G.
E.
B.
B.
C.F.G.
B.
C.F.
B.
Mut. Fire
B.
C.F.G.
B.
C.F.
B.
F.
C.F.
C.F.
C.F.
C.F.G.
B.
C.F.G.
C.F.
E.
C.F.G.
C.F.G.
C.E.F.G.
B.
B.
C.F.
B.
C.E.F.
B.
ADDITIONAL MUNICIPAL HAIL LIMITED, 2100 Cornwall St., Regina, SK S4P 2K7
ALBERTA MOTOR ASSOCIATION INSURANCE COMPANY, 11220-109 Street., Edmonton, AB T5G 2T6
ASSUMPTION MUTUAL LIFE INSURANCE COMPANY, 770 Main St., PO Box 160, Moncton, NB E1C 8L1
ASSUREPRO INSURANCE COMPANY LIMITED, 200 Albert St. N., Regina, SK S4R 5E2
BELAIR INSURANCE COMPANY INC., 300-7101 Jean-Talon St. E., Anjou, QC H1M 3T6
CAA INSURANCE COMPANY (ONTARIO), 60 Commerce Valley Dr. E., Thornhill, ON L3T 7P9
CANADIAN FARM INSURANCE CORP., 302, 13220 St. Albert Trail, Edmonton, AB T5L 4W1
CANASSURANCE INSURANCE COMPANY, B-9, 550 Sherbrooke St. W., Montreal, QC H3A 3S3
CO-OPERATIVE HAIL INSURANCE COMPANY LIMITED, Box 777, 2709-13th Ave., Regina, SK S4P 3A8
DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY, 200, Avenue des Commandeurs, Levis, QC G6V 6R2
EXCELLENCE LIFE INSURANCE COMPANY, THE, 202-5055 Metropolitain Blvd. E., St-Leonard QC H1R 1Z7
FENCHURCH GENERAL INSURANCE COMPANY, 115-2655 North Sheridan Way, Mississauga, ON L5K 2P8
FIRST CANADIAN INSURANCE CORPORATION, 200-320 Sioux Rd., Sherwood Park, AB T8A 3X6
GMS INSURANCE INC., 2055 Albert St., PO Box 1949, Regina, SK S4P 0E3
HUMANIA ASSURANCE INC., 1555 Girouard St. W., PO Box 10,000, Saint-Hyacinthe, QC J2S 7C8
HUTTERIAN BRETHREN MUTUAL INSURANCE CORPORATION, 703-1661 Portage Ave.., Winnipeg, MB R3J 3T7
INDUSTRIAL ALLIANCE INSURANCE AND FINANCIAL SERVICES INC., 1080 Grande Allee Ouest, CP 1907,
Quebec, QC G1K 7M3
INDUSTRIAL ALLIANCE PACIFIC GENERAL INSURANCE CORPORATION, 1080 Grande Allée West,
Quebec, QC G1S 1C7
LS-TRAVEL, INSURANCE COMPANY, 1555 Girouard St. W., Ste. 201, Saint-Hyacinthe QC J2S 2Z6
LA CAPITALE GENERAL INSURANCE INC., 625 St-Amable St., Quebec, QC G1R 2G5
LA CAPITALE INSURANCE AND FINANCIAL SERVICES INC., 625 St-Amable St., Quebec, QC G1R 2G5
LAWYERS’ PROFESSIONAL INDEMNITY COMPANY, 3101-250 Yonge St., PO Box 3, Toronto, ON M5B 2L7
L’UNIQUE GENERAL INSURANCE INC., 925 Grande-Allée Ouest, bureau 240, Quebec, QC G1S 1C1
MAX CANADA INSURANCE COMPANY, 140 Foundry St., Baden, ON N3A 2P7
MILLENNIUM INSURANCE CORPORATION, 200-320 Sioux Rd., Sherwood Park AB T8A 3X6
MUTUAL FIRE INSURANCE COMPANY OF BRITISH COLUMBIA, 201-9366 200A Street, Langley BC V1M 4B3
NATIONAL BANK LIFE INSURANCE COMPANY, 1100 Robert-Bourassa Blvd., 5th Floor, Montreal, QC H3B 2G7
OPTIMUM INSURANCE COMPANY INC, 425 de Maisonneuve Blvd. W., Ste. 1500, Montreal QC H3A 3G5
ORION TRAVEL INSURANCE COMPANY, 1900 – 520 3rd Ave. S.W., Calgary, AB T2P 0R3
PALLISER INSURANCE COMPANY LIMITED, 103-3502 Taylor St. E., Saskatoon, SK S7H 5H9
PEACE HILLS GENERAL INSURANCE COMPANY, 3rd-10709 Jasper Ave., Edmonton, AB T5J 3N3
RED RIVER VALLEY MUTUAL INSURANCE COMPANY, 245 Centre Ave. E., PO Box 940, Altona, MB R0G 0B0
SGI CANADA INSURANCE SERVICES LTD., 2260-11th Avenue, Regina, SK S4P 0J9
SSQ, SOCIETE D’ASSURANCE INC./SSQ, INSURANCE COMPANY INC., 700-2020 University St., Montreal, QC H3A 2A5
SSQ, LIFE INSURANCE COMPANY INC., 2525 Laurier Blvd., Sainte-Foy, QC G1V 4H6
TRANS GLOBAL INSURANCE COMPANY, 275, 16930-114 Avenue, Edmonton, AB T5M 3S2
TRANS GLOBAL LIFE INSURANCE COMPANY, 275, 16930-114 Avenue, Edmonton, AB T5M 3S2
UNICA INSURANCE INC./UNICA ASSURANCE INC., 7150 Derrycrest Dr., Mississauga ON L5W 0E5
UNION LIFE MUTUAL ASSURANCE COMPANY, 142 Heriot, Drummondville, QC J2C 1J8
11
DISCONTINUING LICENSES
The following insurers hold a "Discontinuing Licence" for the year 2015. This licence is limited to the transaction of insurance only in
connection with contracts in force in the Province as at December 31, 2014, and does not authorize the insurer to undertake or renew insurance
contracts in the Province.
FEDERALLY LICENSED INSURERS
Disc.
Disc.
EQUITABLE GENERAL INSURANCE COMPANY, 130 MacDonell St., Priory Square, Guelph, ON N1H 6P8
PAVONIA LIFE INSURANCE COMPANY OF MICHIGAN, 34 King St. E., Ste. 1200, Toronto, ON M5C 2X8
PROVINCIALLY LICENSED INSURERS
Disc.
ENERGY INSURANCE GROUP, 660, 1207 – 11th Avenue, Calgary AB T3C 0M5
RECIPROCAL EXCHANGES
FEDERALLY LICENSED RECIPROCAL EXCHANGES
None
PROVINCIALLY LICENSED RECIPROCAL EXCHANGES
Recip.
Recip.
Recip.
Recip.
Recip.
Recip.
Recip.
Recip.
ASSET PROTECTION INSURANCE EXCHANGE, Ste. 390, 8B-3110 - 8th Street East, Saskatoon, SK S7H 0W2
CANADIAN AIRPORTS RECIPROCAL INSURANCE EXCHANGE (CARIE), 1400-10303 Jasper Ave.,
Edmonton, AB T5J 3N6
CANADIAN APPLICATORS INSURANCE RECIPROCAL, 1002 Warsaw Ave., Winnipeg, MB R3M 1E4
CANADIAN EGG INDUSTRY RECIPROCAL ALLIANCE – CEIRA, 10025-102A Ave., Ste. 900, Edmonton, AB T5J 0Y2
CANADIAN LAWYERS INSURANCE ASSOCIATION, 600, 919 – 11th Ave. S.W., Calgary, AB T2R 1P3
CANADIAN UNIVERSITIES RECIPROCAL INSURANCE EXCHANGE, 901-5500 North Service Rd,
Burlington, ON L7L 6W6
COMMUNITY NEWSPAPERS RECIPROCAL INSURANCE EXCHANGE, 3228 South Service Rd., Ste. 116,
Burlington, ON L7N 3H8
HEALTHCARE INSURANCE RECIPROCAL OF CANADA, 1600-4711 Yonge St., Toronto, ON M2N 6K8
12
SPECIAL BROKERS - LICENSED TO DECEMBER 31, 2015
Joel R. Davison
c/o LL Renaissance Insurance Brokerage Canada Limited
179 McDermot Avenue, Suite 108
Winnipeg MB R3B 0S1
Tel: (204) 594-1490
Fax: (204) 594-1491
George P. Esau
c/o Oldfield Kirby Esau, Inc.
200-330 St. Mary Ave.
Winnipeg MB R3C 2L2
Tel: (204) 943-1441
Fax: (204) 957-5561
David Craig Gilmour
c/o Aon Reed Stenhouse Inc.
20 Bay Street, Suite 2400
Toronto ON M5J 2N9
Tel: (416) 868-5500
Fax: (416) 868-5580
George Alexander (Sandy) Peters
c/o BFL Canada Insurance Services Inc.
205 – 175 Carlton Street
Winnipeg MB R3C 3H9
Tel: (204) 594-0235
Fax: (204) 594-0259
Cosmo D. Racano
c/o Marsh Canada Limited
1420-One Lombard Pl.
Winnipeg MB R3B 0X3
Tel: (204) 982-6513
Fax: (204) 947-2662
Beverley Vaillancourt
c/o Integro (Canada) Ltd.
199 Bay Street, Suite 4800, PO Box 240
Toronto ON M5L 1E8
Tel: (416) 619-8091
Fax: (416) 619-8092
Patrice Vezina
c/o Vezina assurances Inc.
4374 Pierre-De Coubertin Avenue
Montreal QC H1V 1A6
Tel : (514) 257-5155
Fax : (514) 253-4453
13
COMPARATIVE SUMMARY
TOTAL PREMIUMS AND LOSSES IN ALL CLASSES, OTHER-THAN-LIFE
Adjustment Expenses Included in Net Losses Incurred
CLASS OF INSURANCE
Accident and Sickness
PREMIUMS
$'000
2013
LOSSES
$'000
LOSS
RATIO
PREMIUMS
$'000
2014
LOSSES
$'000
LOSS
RATIO
636,556
349,652
54.93%
690,123
381,910
55.34%
8,940
2,668
29.84%
8,382
11,138
132.88%
991,836
910,029
91.75%
1,049,420
1,009,215
96.17%
Boiler and Machinery
14,439
3,530
24.45%
15,070
526
3.49%
Fidelity and Surety
19,528
351
1.80%
22,570
11,106
49.21%
Hail
17,310
6,675
38.56%
14,224
6,258
44.00%
130,225
-10,998
-8.45%
129,416
30,885
23.86%
6,879
3,789
55.08%
6,368
5,153
80.92%
34,773
3,760
10.81%
38,894
4,046
10.40%
594,170
363,751
61.22%
633,181
487,917
77.06%
Aircraft
Automobile
Liability
Marine
Miscellaneous
*Property
TOTALS
$2,454,656
$1,633,207
66.54%
$2,607,648
* Property includes: Fire, P.P.F., Plate Glass, Theft, Inland Transportation and Livestock
14
$1,948,154
74.71%
ACCIDENT & SICKNESS
2013
COMPANY
PREMIUMS
LOSSES
$000
$000
ACE INA Life Insurance
Aetna Life Insurance Company
American Bankers Life Assurance Company of Florida
American Income Life Insurance Company
Assumption Mutual Life Insurance Company
Blue Cross Life Insurance Company of Canada
BMO Life Assurance Company
BMO Life Insurance Company
Canada Life Assurance Company (The)
Canadian Premier Life Insurance Company
Canassurance Insurance Company
Capitale Financial Security Insurance Company (La)
Capitale Insurance and Financial Services Inc. (La)
CIBC Life Insurance Company Limited
Combined Insurance Company of America
Co-operators Life Insurance Company
CT Financial Assurance Company
CUMIS Life Insurance Company
Desjardins Financial Security Life Assurance Company
Empire Life Insurance Company (The)
Equitable Life Insurance Company of Canada (The)
Excellence Life Insurance Company (The)
First Canadian Insurance Corporation
Foresters Life Insurance Company
Great-West Life Assurance Company (The)
Humania Assurance Inc.
Industrial Alliance Insurance and Financial Services Inc.
Liberty Life Assurance Company of Boston
Life Insurance Company of North America
LS-Travel Insurance Company
Manufacturers Life Insurance Company (The)
Manulife Canada Ltd
National Bank Life Insurance Company
Pavonia Life Insurance Company of Michigan
Primerica Life Insurance Company of Canada
RBC Life Insurance Company
Reliable Life Insurance Company
Scotia Life Insurance Company
SSQ Insurance Company Inc.
SSQ Life Insurance Company, Inc.
Standard Life Assurance Company of Canada (The)
Sun Life Assurance Company of Canada
TD Life Insurance Company
Trans Global Life Insurance Company
Transamerica Life Canada
Union Life, Mutual Assurance Company
Wawanesa Life Insurance Company (The)
Western Life Assurance Company
SUB TOTAL - Life Insurers:
5,246
0
1,718
931
62
11,594
1,340
1,047
39,748
14,443
63
5,230
2,335
2,078
5,659
12,690
99
17,580
31,634
2,845
5,472
201
7,260
257
180,490
119
19,143
3
11
16
100,403
3
98
85
2
16,849
1,213
1,485
133
16,241
18,112
61,173
1,583
481
134
21
5,078
3,422
$595,830
15
1,503
52
247
303
36
5,891
456
93
3,417
1,143
91
5,349
1,453
225
1,569
8,608
13
3,744
28,291
2,066
3,786
9
597
-23
108,604
0
5,810
9
26
0
66,372
0
26
-8
0
13,209
867
119
270
9,075
11,463
38,672
546
24
6
0
3,724
2,998
$330,731
2014
PREMIUMS
LOSSES
$000
$000
5,818
1
2,334
909
199
12,274
584
866
42,844
13,507
68
5,038
3,575
2,084
5,922
14,232
92
17,808
32,101
3,590
5,857
360
6,448
287
189,645
124
19,077
4
12
55
99,899
0
84
32,101
2
17,332
1,008
1,533
195
18,552
18,181
66,227
1,737
0
42
30
4,697
3,758
$651,093
1,302
32
305
217
70
6,347
856
69
4,145
1,102
17
5,406
2,346
199
1,889
8,358
2
4,818
26,420
2,672
4,225
42
602
68
118,168
46
6,076
0
0
9
63,889
0
19
26,420
0
11,933
838
-21
294
10,708
11,936
40,525
349
0
6
0
3,465
2,245
$368,414
ACCIDENT & SICKNESS
2013
COMPANY
PREMIUMS
LOSSES
$000
$000
Property & Casualty Insurers:
ACE INA Insurance
AIG Insurance Company of Canada
Allianz Global Risks US Insurance Company
American Bankers Insurance Company of Florida
Assurepro Insurance Company Limited
Aviva Insurance Company of Canada
Chubb Insurance Company of Canada
Co-operators General Insurance Company
CUMIS General Insurance Company
Echelon Insurance
Everest Insurance Company of Canada
Fenchurch General Insurance Company
GMS Insurance Inc.
Green Shield Canada
Guarantee Company of North America
Legacy General Insurance Company
Lloyds Underwriters
Northbridge General Insurance Corporation
RBC Insurance Company of Canada
Royal & Sun Alliance Insurance Company of Canada
Triton Insurance Company
Zurich Insurance Company Ltd
SUB-TOTAL - Property & Casualty Insurers:
GRAND TOTALS
129
2,962
1,717
5,920
138
19
23
135
7
21
5
6
1,049
2,373
8,882
2
237
691
2
8,240
6,922
1,230
16
40,726
$636,556
16
-4
413
1,134
813
0
23
10
9
0
0
-181
6
660
968
10,133
0
117
944
0
3,485
0
381
10
18,921
$349,652
2014
PREMIUMS
LOSSES
$000
$000
125
1,676
2,002
5,761
154
18
31
347
8
19
353
1
771
2,688
7,144
2
228
1,028
0
6,880
8,570
1,207
17
39,030
$690,123
2
86
429
886
30
-22
3
-10
0
107
60
-1
527
1,268
8,024
0
59
-1,411
0
3,106
0
353
0
13,496
$381,910
MISCELLANEOUS INSURANCE, NOT OTHERWISE CLASSIFIED
2013
2014
COMPANY
PREMIUMS
LOSSES
PREMIUMS
LOSSES
$000
$000
$000
$000
CREDIT
Atradius Credit Insurance N.V.
Compagnie Française d'Assurance pour le Commerce Extérieur
Echelon Insurance
Euler Hermes North America Insurance Company
Guarantee Company of North America (The)
CREDIT PROTECTION
Arch Insurance Canada Ltd.
LEGAL EXPENSE
DAS Legal Protection Insurance Company Limited
Guarantee Company of North America
Intact Insurance Company
Lloyd's Underwriters
Novex Insurance Company
MORTGAGE
Canada Guaranty Mortgage Insurance Company
FCT Insurance Company Ltd.
Genworth Financial Mortgage Insurance Company Canada
OTHER APPROVED PRODUCTS
CorePoint Insurance Company
GMS Insurance Inc.
TITLE
Chicago Title Insurance Company
First American Title Insurance Company
Lawyers' Professional Indemnity Company
Stewart Title Guaranty Company
TOTALS
17
0
2,655
744
247
278
0
0
-218
120
0
20
-1
64
2,340
1,115
0
291
0
19
-193
38
0
203
0
6,083
414
336
616
200
4
6,266
43
267
628
67
7
250
12
45
9
28
51
0
66
4
138
419
32
46
30
5
265
2
36
5
-51
3,234
0
13,249
73
0
969
5,704
323
15,023
80
494
676
1
399
23
0
329
2
1
0
37
0
0
28
1
183
4,535
937
96
1,014
$34,773
0
437
656
65
33
196
$3,760
0
383
5,062
276
67
1,100
$38,894
0
74
1,322
-19
31
334
$4,046
AUTOMOBILE
2013
COMPANY
PREMIUMS
LOSSES
$000
$000
ACE INA Insurance
American Road Insurance Company (The)
AXA Pacific Insurance Company
Canadian Farm Insurance Corporation
Continental Casualty Company
CorePointe Insurance Company
Dominion of Canada General Insurance Company (The)
Echelon Insurance
Economical Mutual Insurance Company
Electric Insurance Company
Employers Insurance Company of Wausau
Federated Insurance Company of Canada
Hartford Fire Insurance Company
Jevco Insurance Company
Liberty Mutual Insurance Company
Mitsui Sumitomo Insurance Company, Limited
Motors Insurance Corporation
Northbridge Commercial Insurance Corporation
Old Republic Insurance Company of Canada
Protective Insurance Company
RBC General Insurance Company
Saskatchewan Mutual Insurance Company
Sentry Insurance a Mutual Company
SGI Canada Insurance Services Ltd
Sovereign General Insurance Company (The)
St. Paul Fire and Marine Insurance Company
Tokio Marine and Nichido Fire Insurance Co., Ltd.
Traders General Insurance Company
Travelers Insurance Company of Canada
Westport Insurance Corporation
XL Insurance Company SE
Zurich Insurance Company Ltd.
Manitoba Public Insurance Corporation
*M.P.I.C Auto Insurance Division
TOTALS
18
2014
PREMIUMS
LOSSES
$000
$000
757
561
0
195
26
952
0
0
112
302
1,158
0
15
8
1
0
18
0
0
724
4
17
324
172
299
344
31
269
827
40
0
39
41
473
0
402
1,624
18
38
120
111
4
0
32
0
-92
589
406
766
164
244
5
398
-10
1
9
-65
182
-123
0
0
0
0
6
0
0
387
1
0
252
146
-24
353
0
576
846
24
1
0
15
73
0
8
1,135
-1
3
52
-197
0
0
0
0
0
1,160
916
581
0
181
-4
1,228
0
0
86
246
208
0
15
4
1
104
12
0
58
830
3
27
330
0
99
611
34
248
1,846
150
0
31
20
446
0
416
1,692
13
45
177
223
3
0
-12
3
9
571
180
-79
-88
64
-14
502
0
0
15
58
-578
0
0
0
0
7
-7
1
18
21
0
34
23
-4
-586
592
0
239
784
14
0
0
9
152
115
710
788
-3
2
-4
122
0
6
3
0
0
872
981,281
$991,836
903,236
$910,029
1,037,969
$1,049,420
1,005,427
$1,009,215
RECIPROCAL EXCHANGES
COMPANY
2013
PREMIUMS
LOSSES
$'000
$'000
2014
PREMIUMS
LOSSES
$'000
$'000
AIRCRAFT
Canadian Applicators Insurance Reciprocal
1,586
0
1,919
75
LIABILITY
Canadian Lawyers Insurance Association
Canadian Universities Recip. Insurance Exch.
Community Newspapers Recip. Insurance Exchange
Energy Insurance Group
Healthcare Insurance Reciprocal of Canada
1,679
604
7
87
5,470
-230
89
0
49
2,912
1,425
634
5
200
5,551
328
274
0
0
11,636
550
241
618
1,047
129
1,016
$13,034
340
2
152
825
49
430
$4,618
533
253
594
1,212
322
1,129
$13,777
689
3
163
3,074
134
1,011
$17,387
PROPERTY (Commercial)
Asset Protection Insurance Exchange
Canadian Airports Reciprocal Insurance Exchange
Canadian Egg Industry Reciprocal Alliance
Canadian Universities Recip. Insurance Exch.
Energy Insurance Group
Healthcare Insurance Reciprocal of Canada
TOTALS
19
BOILER & MACHINERY
2013
COMPANY
PREMIUMS
LOSSES
$000
$000
ACE INA Insurance
Affiliated FM Insurance Company
Axis Reinsurance Company (Canadian Branch)
Berkley Insurance Company
Boiler Inspection and Insurance Co of Canada (The)
Canadian Northern Shield Insurance Company
Ecclesiastical Insurance Office plc
Factory Mutual Insurance Company
Gore Mutual Insurance Company
Great American Insurance Company
Mutual Fire Insurance Company of B.C. (The)
Optimum Insurance Company Inc.
Temple Insurance Company
Trisura Guarantee Insurance Company
Wawanesa Mutual Insurance Company (The)
Wynward Insurance Group
TOTALS
1
382
210
116
2,184
0
35
1
447
1
112
103
77
44
45
52
126
0
1,466
87
16
15
20
742
388
36
67
3
47
5,545
10
171
96
170
288
17
135
377
11
231
0
565
$14,439
20
0
62
-21
3
556
222
4
1
6
0
-10
10
25
10
0
4
21
0
22
-3
7
0
1
102
29
30
2
0
-3
1,583
0
77
5
70
351
72
0
116
0
75
9
92
$3,530
2014
PREMIUMS
LOSSES
$000
$000
0
195
428
209
2,837
0
19
0
380
1
204
153
69
50
45
58
108
1
1,589
100
16
20
20
678
2,457
51
70
3
56
2,413
8
204
148
151
660
56
253
1,304
-3
126
0
-67
$15,070
0
4
130
138
813
0
2
0
14
0
23
3
0
10
16
0
11
0
-4,199
45
0
4
18
360
1,114
0
4
3
4
1,266
5
84
25
131
141
-67
15
282
0
107
14
6
$526
MARINE
2013
COMPANY
PREMIUMS
LOSSES
$000
$000
ACE INA Insurance
Ascentus Insurance Ltd.
AXA Insurance (Canada)
Elite Insurance Company
HDI-Gerling Industrie Versicherung AG, Canada Branch
Shipowners' Mutual Protection and Indemnity Association
Sunderland Marine Insurance Company Limited [Canada Branch]
TOTALS
60
225
1,881
26
413
67
35
427
961
0
0
11
30
6
402
561
354
15
705
72
0
462
2
8
0
156
$6,879
4
-7
3,019
-4
119
-19
0
36
472
0
0
1
5
-2
-1,440
585
263
-2
274
42
0
374
0
2
0
67
$3,789
HAIL
2013
COMPANY
PREMIUMS
LOSSES
$000
$000
ACE INA Insurance
Co-operative Hail Insurance Company Limited
Palliser Insurance Corporation
TOTALS
3,304
0
5,201
2,274
6,531
$17,310
21
1,853
0
1,870
985
1,967
$6,675
2014
PREMIUMS
LOSSES
$000
$000
53
76
1,208
21
375
0
0
295
1,275
11
3
7
143
6
120
590
476
0
682
26
56
546
3
12
45
339
$6,368
55
60
2,195
0
185
0
0
407
626
1
0
0
-180
5
77
522
222
0
371
23
13
413
0
1
0
157
$5,153
2014
PREMIUMS
LOSSES
$000
$000
1,161
428
5,292
674
6,669
$14,224
378
315
2,423
200
2,942
$6,258
FIDELITY & SURETY
2013
COMPANY
PREMIUMS
LOSSES
$000
$000
ACE INA Insurance
Unique Assurances Générales inc. (L')
Western Surety Company
TOTALS
152
513
12
830
73
878
116
1,209
34
27
36
35
2,897
1
4,005
63
336
504
26
82
130
304
50
3,352
1,859
4
1,690
97
190
$19,528
22
45
112
-12
-15
2
94
0
2,249
-6
0
9
1
-802
0
103
30
55
-1,082
2
-3
10
33
10
-295
-61
-172
46
1
-3
$351
2014
PREMIUMS
LOSSES
$000
$000
123
1,622
21
1,421
12
1,433
424
1,508
20
18
23
7
2,603
1
4,924
0
221
1,519
29
53
244
138
45
2,444
1,903
18
1,625
86
65
$22,570
-9
7,755
0
-130
-70
25
0
233
0
1
-50
2
203
0
1,172
0
135
739
-2
-8
2
-62
190
780
43
38
123
-6
-7
$11,106
AIRCRAFT
2013
COMPANY
PREMIUMS
LOSSES
$000
$000
ACE INA Insurance
Aspen Insurance UK Limited
Canadian Union Insurance Company
National Liability & Fire Insurance Company
Omega General Insurance Company
TOTALS
23
2014
PREMIUMS
LOSSES
$000
$000
41
555
1,950
2
19
79
0
39
242
-179
5
19
0
-84
43
492
1,820
3
0
92
0
11
-30
1,898
3
0
0
0
0
0
38
1,185
339
796
0
38
0
0
0
1,850
1,251
797
$8,940
-2
0
72
1,001
107
-426
1
10
-26
6
0
586
212
1,085
$2,668
0
33
128
2,408
312
743
0
39
0
0
1
1,609
16
643
$8,382
0
265
17
6,828
106
39
0
161
0
-21
0
1,012
428
421
$11,138
LIABILITY
2013
COMPANY
PREMIUMS
LOSSES
$000
$000
ACE INA Insurance
Allstate Insurance Company of Canada
Aspen Insurance UK Limited
Associated Electric & Gas Insurance Services Limited
Coseco Insurance Company
Echelon Insurance
Electric Insurance Company
Employers Insurance Company of Wausau
Federal Insurance Company
Federation Insurance Company of Canada
Hutterian Brethren Mutual Ins. Corp.
Ironshore Insurance Ltd.
Jewelers Mutual Insurance Company
MAX Canada Insurance Company
Nordic Insurance Company of Canada (The)
Northbridge Indemnity Insurance Corporation
Northbridge Personal Insurance Corporation
3,202
4,378
527
0
894
353
76
13,630
5
-7
1,002
915
5
1
3,586
6,915
1,824
0
1,050
0
463
524
182
1,250
258
0
561
0
1,513
217
45
350
937
14
0
243
9,136
418
0
8
14
2,136
22,689
130
0
99
0
2
1,328
2,059
0
519
24
150
-956
4,560
973
2,398
299
4,821
2,253
-9
-5,000
476
471
0
0
-728
1,860
58
74
181
0
-440
105
1
31
17
-5
350
0
-259
4
0
-18
527
-2
4
38
5,873
61
0
29
0
1,386
-13,379
54
0
39
-105
0
-2,219
-19,904
-24
-278
2014
PREMIUMS
LOSSES
$000
$000
4,051
4,439
939
0
756
278
39
12,980
0
0
1,147
699
2
1
3,045
6,294
2,428
0
945
20
286
584
97
1,079
387
0
834
3
1,617
254
49
482
824
6
0
257
8,843
454
104
0
17
1,909
24,322
131
22
134
0
3
3,442
0
0
443
3,622
-7,018
1,613
-723
710
341
399
4,205
0
0
445
638
0
0
423
2,194
1,415
0
320
2
28
190
27
378
82
0
479
5
-1,141
11
6
-68
280
2
25
-5
-4
307
15
-44
0
131
12,418
113
0
163
-373
0
-187
0
0
-275
LIABILITY
2013
COMPANY
PREMIUMS
LOSSES
$000
$000
16
0
77
23
1,131
75
Personal Insurance Company (The)
46
0
Portage la Prairie Mutual Insurance Company (The)
2,364
281
53
0
Red River Valley Mutual Ins. Company
3,983
648
3,844
-853
Safety National Casualty Corporation
0
-42
681
1,192
Scottish & York Insurance Co. Limited
0
-226
Security Insurance Company of Hartford
0
-6
Sentry Insurance a Mutual Company
733
30
2,507
352
Sompo Japan Nipponkoa Insurance Inc.
1
0
3,432
1,737
3,081
773
1,869
-2,530
Tokio Marine and Nichido Fire Insurance Company, Limited
0
0
2,401
659
1,508
714
Waterloo Insurance Company
4
0
3,534
-61
6,600
806
1,770
157
2,160
238
XL Reinsurance America Inc.
584
37
4,395
1,232
TOTALS
$130,225
-$10,998
25
2014
PREMIUMS
LOSSES
$000
$000
44
2
33
39
1,181
10
39
0
2,393
1,278
5
0
4,677
1,133
3,146
-446
0
-12
669
-311
0
-4
0
-14
649
16
2,819
733
1
0
4,516
1,426
2,901
338
1,532
1,461
10
7
2,733
1,863
1,259
146
4
0
3,770
933
2,447
1,607
1,908
465
2,491
0
559
128
4,983
2,560
$129,416
$30,885
COMPANY
ACE INA Insurance
Affiliated FM Insurance Company
Alberta Motor Association Insurance Company
Associated Electric & Gas Insurance Services Limited
AXA Art Insurance Corporation
AXA Insurance Inc.
Boiler Inspection and Insurance Co of Canada (The)
CAA Insurance Company (Ontario)
Canadian Farm Insurance Corporation
Coseco Insurance Company
Echelon Insurance
Elite Insurance Company
Factory Mutual Insurance Company
Federal Insurance Company
Federation Insurance Company of Canada
First North American Insurance Company
GMS Insurance Inc.
Hutterian Brethren Mutual Ins. Corp.
Jewelers Mutual Insurance Company
PROPERTY
2013
PREMIUMS
LOSSES
Personal Commercial
Total
Personal Commercial
Total
$000
$000
$000
$000
$000
$000
0
0
232
5,917
0
2,660
0
0
39,032
0
0
0
0
0
0
0
0
0
0
22
2,521
0
14,217
4,423
6,638
0
22
0
5
0
2,787
0
0
0
610
3,943
318
8
0
0
1,302
0
0
0
38,099
0
0
7
8
5,417
2,935
11,620
6
1,356
4
3,725
28
28,393
0
-2
0
20
226
28
89
0
650
9
0
1,261
6,140
6,400
0
2,686
0
1,090
1,754
251
4,898
0
111
9,366
2
5,320
0
0
0
147
1,706
423
875
51
2,388
19,977
297
33
64
0
5,417
2,935
11,852
5,923
1,356
2,664
3,725
28
67,425
0
-2
0
20
226
28
89
0
650
9
22
3,782
6,140
20,617
4,423
9,324
0
1,112
1,754
256
4,898
2,787
111
9,366
2
5,930
3,943
318
8
147
1,706
1,725
875
51
2,388
58,076
297
33
71
8
0
0
260
3,856
0
1,060
0
0
23,775
0
0
0
3
0
0
0
0
0
0
0
1,285
0
8,597
2,448
3,538
0
0
0
1
0
527
0
0
0
635
3,225
35
1
0
0
1,330
3
0
0
19,333
0
0
8
0
26
10,472
5,634
7,685
0
929
0
3,539
-1
15,921
0
-9
56
-983
82
-15
51
0
348
-44
0
43
2,936
3,212
0
1,149
0
1,245
713
863
5,114
1
121
1,871
0
1,705
0
0
0
149
603
87
399
9
722
31,682
165
-125
65
0
10,472
5,634
7,945
3,856
929
1,060
3,539
-1
39,696
0
-9
56
-980
82
-15
51
0
348
-44
0
1,328
2,936
11,809
2,448
4,687
0
1,245
713
864
5,114
528
121
1,871
0
2,340
3,225
35
1
149
603
1,417
402
9
722
51,015
165
-125
73
0
2014
PREMIUMS
Personal Commercial
$000
$000
0
0
189
3,494
0
2,578
0
0
41,225
30
0
0
0
0
0
0
1,825
0
0
10
2,424
0
15,286
4,454
6,966
0
21
0
0
0
4,198
0
0
0
644
4,754
349
3
0
0
1,370
0
0
0
40,269
0
0
10
6
3,911
1,657
11,424
0
4,865
3
2,808
96
28,642
0
0
0
0
234
12
59
0
882
6
0
879
6,971
5,175
0
2,780
4,660
1,180
2,105
158
4,701
0
124
8,616
6
5,784
0
0
0
145
1,985
400
972
90
2,537
18,943
181
0
73
0
Total
$000
3,911
1,657
11,613
3,494
4,865
2,581
2,808
96
69,867
30
0
0
0
234
12
59
1,825
882
6
10
3,303
6,971
20,461
4,454
9,746
4,660
1,201
2,105
158
4,701
4,198
124
8,616
6
6,428
4,754
349
3
145
1,985
1,770
972
90
2,537
59,212
181
0
83
6
LOSSES
Personal Commercial
$000
$000
0
0
12,549
4,726
0
1,221
0
0
34,253
6
0
0
0
0
0
0
115
0
0
0
3,669
0
11,012
2,710
3,500
0
0
0
6
0
901
0
0
0
241
5,307
29
0
0
0
612
1
0
0
17,095
0
0
-1
0
1,538
10,136
5,761
0
6,446
0
1,215
-39
18,541
0
0
0
0
60
3
31
0
439
7
0
1,124
3,423
3,398
0
614
1,572
1,262
455
74
3,955
1
68
78,050
0
1,388
0
0
0
68
161
210
492
0
353
11,352
41
-77
-23
0
Total
$000
1,538
10,136
18,310
4,726
6,446
1,221
1,215
-39
52,794
6
0
0
0
60
3
31
115
439
7
0
4,793
3,423
14,410
2,710
4,114
1,572
1,262
455
80
3,955
902
68
78,050
0
1,629
5,307
29
0
68
161
822
493
0
353
28,447
41
-77
-24
0
COMPANY
MAX Canada Insurance Company
Millennium Insurance Corporation
Northbridge Indemnity Insurance Corporation
Northbridge Personal Insurance Corporation
Peace Hills General Insurance Company
Personal Insurance Company (The)
Portage la Prairie Mutual Insurance Company (The)
Primmum Insurance Company
Red River Valley Mutual Ins. Company
Scottish & York Insurance Co. Limited
Security National Insurance Company
Sompo Japan Nipponkoa Insurance Inc.
TD Home and Auto Insurance Company
Tokio Marine and Nichido Fire Insurance Company, Limited
Trans Global Insurance Company
Triton Insurance Company
Unifund Assurance Company
Waterloo Insurance Company
Western Financial Insurance Company
TOTALS
PROPERTY
2013
2014
PREMIUMS
LOSSES
PREMIUMS
LOSSES
Personal Commercial
Total
Personal Commercial
Total
Personal Commercial
Total
Personal Commercial
Total
$000
$000
$000
$000
$000
$000
$000
$000
$000
$000
$000
$000
0
1,150
1,150
0
-719
-719
0
1,451
1,451
0
449
449
613
18,159
18,772
-11
5,478
5,467
756
17,149
17,905
1,246
10,623
11,869
1,770
1,152
2,922
990
550
1,540
1,916
1,159
3,075
419
138
557
538
0
538
14
0
14
928
0
928
48
0
48
0
12
12
0
1
1
0
20
20
0
0
0
86
2,195
2,281
45
429
474
206
3,164
3,370
319
861
1,180
0
66
66
0
452
452
0
134
134
0
290
290
34
4,340
4,374
1
2,488
2,489
43
7,140
7,183
15
7,116
7,131
0
2,129
2,129
0
830
830
0
0
0
0
0
0
2
0
2
0
0
0
4
0
4
0
0
0
523
561
1,084
181
-367
-186
678
648
1,326
227
488
715
0
0
0
0
0
0
0
5
5
0
1
1
61
44
105
39
14
53
90
30
120
71
3
74
2,604
2,172
4,776
1,820
781
2,601
3,032
2,403
5,435
1,949
480
2,429
10,219
2,617
12,836
6,564
1,799
8,363
10,714
2,967
13,681
8,662
3,180
11,842
5,905
123
6,028
2,659
0
2,659
6,344
803
7,147
3,867
1,002
4,869
45,729
2,121
47,850
24,426
1,369
25,795
47,789
2,243
50,032
24,228
1,457
25,685
3,316
0
3,316
1,446
0
1,446
3,391
0
3,391
1,821
0
1,821
542
0
542
299
0
299
785
0
785
425
0
425
635
0
635
409
0
409
479
0
479
0
0
0
45,807
20,450
66,257
28,648
11,955
40,603
49,215
22,504
71,719
26,858
11,700
38,558
4,819
8,950
13,769
3,452
7,679
11,131
4,507
10,454
14,961
3,360
7,196
10,556
4,240
777
5,017
3,387
237
3,624
4,141
727
4,868
2,123
394
2,517
0
4
4
0
109
109
0
0
0
0
18
18
3,428
0
3,428
1,792
0
1,792
3,645
0
3,645
681
0
681
8,857
5,185
14,042
4,226
2,879
7,105
9,016
6,256
15,272
6,082
2,654
8,736
0
11
11
0
3
3
0
18
18
0
-3
-3
38
6,249
6,287
705
7,475
8,180
44
7,868
7,912
-297
7,849
7,552
0
6,352
6,352
0
744
744
0
5,146
5,146
0
5,432
5,432
0
0
0
0
0
0
0
828
828
0
102
102
294
0
294
111
0
111
275
0
275
58
0
58
0
2,145
2,145
0
2,137
2,137
0
4,222
4,222
0
-124
-124
0
86
86
0
40
40
0
230
230
0
293
293
306
0
306
123
0
123
348
0
348
111
0
111
1,088
0
1,088
9
0
9
385
0
385
3
0
3
133
1,245
1,378
110
800
910
127
1,763
1,890
50
2,725
2,775
0
1
1
0
21
21
0
6
6
0
-5
-5
475
0
475
142
0
142
168
0
168
121
0
121
510
0
510
641
0
641
579
0
579
265
0
265
136
0
136
65
0
65
142
0
142
15
0
15
69,263
32,250 101,513
42,169
18,628
60,797
82,794
24,620 107,414
46,349
16,328
62,677
1,474
0
1,474
585
0
585
1,543
0
1,543
707
0
707
0
1,303
1,303
0
77
77
0
2,552
2,552
0
93
93
408
5,647
6,055
189
1,035
1,224
238
6,628
6,866
329
5,671
6,000
0
328
328
0
0
0
0
715
715
0
644
644
0
9,978
9,978
0
5,277
5,277
0
11,837
11,837
0
20,697
20,697
$336,624
$257,546 $594,170 $195,156
$168,595 $363,751 $364,427
$268,754 $633,181 $228,064
$259,853 $487,917
27
LIFE (DIRECT) - MOVEMENT OF INSURANCE IN MANITOBA - 2014
GROSS IN FORCE
AT BEGINNING OF 2014
NEW EFFECTED
COMPANY
Amount
Amount
No.
$000
No
$000
Allianz Life Insurance Company of North America
American Health and Life Insurance Company
Assurant Life of Canada
Capital Financial Security Insurance Company (La)
Connecticut General Life Insurance Company
Gerber Life Insurance Company
London Life Insurance Company
New York Life Insurance Company
United American Insurance Company
TOTALS
362
26,174
20
101
16
83
154,856
300,679
5,707
50,500
13,862
307,247
1,011
251,096
6,539
49,243
22,259
2,025,910
10,483
2,205,113
4,287
12,185
295,740
19,765,039
62,172
3,414,008
345
17,551
1,065
116,512
290
4,906
223
3,177
1
592
11,916
1,654,672
3
550
2,565
4,675,767
41,606
2,309,122
6,514
1,153,954
13,450
3,593,395
112
19,232
23,709
688,143
4,267
405,329
1,216
15,221
1,153,039
33,102,208
0
0
49,056
5,822,063
5
486
59,837
6,639,212
107,933
20,693,005
21
31,272
60
32,250
41,606
2,309,122
7,301
2,933,847
8,638
3,188,087
356
90,499
307
40,785
139
72,478
11,340
713,050
33,032
3,088,593
129,514
15,068,608
344
60,661
2,502
4,258
11,679
3,435,354
47
2,025
11
130
21,265
3,738,012
19,428
660,707
2,342,056 $144,792,213
28
90
10,647
0
0
0
0
0
12,998
0
0
1,299
36,835
339
87,299
441
2,653
1,999
70,558
574
165,324
0
0
2,198
1,194,260
17,038
619,307
7
35
795
77,340
0
0
3
57
0
0
368
104,105
0
0
86
972,651
936
145,795
923
270,495
1,208
458,480
37
6,175
4,760
155,995
490
66,107
82
1,435
7,841
585,343
55
11,481
9,865
935,491
9
663
1,682
541,942
7,290
1,735,280
0
0
2
3,301
936
145,795
747
336,894
1,861
477,307
0
0
116
5,710
112
59,334
4,813
285,868
995
81,826
8,778
898,459
50
12,006
0
0
1,274
628,308
1
200
0
0
1,414
337,733
582
106,471
82,096 $11,647,963
GROSS IN FORCE
AT END OF 2014
Amount
No.
$000
326
25,831
20
108
15
78
154,849
310,329
5,246
47,094
14,057
303,951
1,255
322,204
6,625
49,097
45,979
2,381,763
10,316
2,229,004
3,768
10,939
301,278
20,750,785
60,822
3,433,200
335
17,184
1,815
195,567
263
3,269
212
3,153
1
656
12,332
1,770,043
4
560
2,459
4,597,830
41,029
2,329,925
6,908
1,348,170
12,982
3,644,939
142
24,238
22,472
682,760
4,425
431,137
1,202
15,232
1,187,675
30,456,299
60
12,481
50,819
6,221,975
3
320
59,035
6,859,041
110,052
21,807,324
21
27,437
64
35,511
41,029
2,329,925
7,570
3,100,953
12,315
3,568,275
340
88,147
368
41,106
237
125,934
11,449
717,526
33,212
3,061,977
129,075
15,414,407
365
67,134
1,908
3,724
12,036
3,779,716
48
2,486
11
130
19,679
3,759,572
20,304
720,988
2,408,812 $147,131,434
LIFE INSURANCE - DIRECT PREMIUM INCOME ON MANITOBA BUSINESS - 2014
INSURANCE PREMIUMS
CONSIDERATION FOR ANNUITIES
(Direct)
(Direct)
COMPANY
Individual
Group
Total
Individual
Group
Total
$000
$000
$000
$000
$000
$000
AXA Equitable Life Insurance Company
Giraffe & Friends Life Insurance Company
United American Insurance Company
TOTALS
27
1
2
14
1
6,521
1,110
439
158
86
14,735
0
72,008
0
268
336
208
63
3,168
1
2,169
4,953
5,234
13,349
35
0
2,006
129
0
47,777
53
30,923
0
60,115
76,281
8
6
4,953
8,199
17,810
280
36
246
0
5,326
66,278
206
0
15,095
17
8
13,634
1,382
$475,654
29
1,679
0
0
8,752
624
0
52
1,490
0
5,952
86
243
61,547
16,602
1
339
0
0
2,060
1
21,949
5,553
560
776
0
6,101
337
0
0
86,314
1
9,028
1
0
20,741
183
106
5,553
0
174
0
98
2,389
2,282
4,496
20,734
0
24
0
1
0
1,387
1,713
$289,929
1,706
1
2
8,766
625
6,521
1,162
1,929
158
6,038
14,821
243
133,555
16,602
269
675
208
63
5,228
2
24,118
10,506
5,794
14,125
35
6,101
2,343
129
0
134,091
54
39,951
1
60,115
97,022
191
112
10,506
8,199
17,984
280
134
2,635
2,282
9,822
87,012
206
24
15,095
18
8
15,021
3,095
$765,583
0
0
0
0
0
0
2,794
1,556
0
0
3,628
0
2,601
0
1
824
0
0
66
0
0
5,903
2,945
2,642
0
0
0
0
5
11,611
0
30,830
0
5,980
7,498
0
0
5,903
0
0
0
0
0
2
3,434
20,616
0
0
-115
0
0
2,920
1
$111,645
0
0
0
0
0
0
6
8,371
0
0
9,867
736
59,889
0
0
0
0
0
92
0
0
199
47
37
0
0
146
0
0
18,634
0
8,013
0
29,402
4,229
0
0
199
0
0
0
0
0
0
2,118
9,608
0
150
0
0
0
0
0
$151,743
0
0
0
0
0
0
2,800
9,927
0
0
13,495
736
62,490
0
1
824
0
0
158
0
0
6,102
2,992
2,679
0
0
146
0
5
30,245
0
38,843
0
35,382
11,727
0
0
6,102
0
0
0
0
0
2
5,552
30,224
0
150
-115
0
0
2,920
1
$263,388
LIFE INSURANCE - POLICYHOLDER BENEFITS PAID AND INCURRED - 2014
INDIVIDUAL
GROUP
COMPANY
Life
Annuity
Life
Annuity
$000
$000
$000
$000
AXA Equitable Life Insurance Company
Connecticut General Life Insurance Company
Standard Life Assurance Limited
TOTALS
0
5
2
0
1,382
105
1,253
-1
31
5,951
0
17,069
0
113
1,025
96
55
0
652
659
2,937
1,786
5,555
0
1,295
15
30,385
12,875
24,425
55,278
3
0
2,937
3,378
24,182
125
0
0
0
2,696
0
42,879
75
0
7,757
8,188
1,343
$256,511
30
0
0
0
0
0
2,156
661
0
0
650
0
8,622
0
0
35
0
0
0
292
48
3,259
6,215
9,647
0
0
0
21,680
31,842
5,116
42,652
0
0
3,259
0
174
0
0
0
1
9,239
661
26,584
0
0
1,350
4,773
10
$178,926
74
0
1,064
114
0
5
416
0
3,045
50
38
-3,787
1,013
0
156
0
0
0
1,610
7,646
5,313
415
540
449
0
0
76,545
1,690
8
12,847
35
34
5,313
0
648
0
-151
1,337
603
3,065
0
12,654
0
0
0
450
476
$133,715
0
0
0
0
0
15
2,698
476
0
871
4
15,226
0
0
0
0
0
3
270
0
5,441
60
139
0
1,092
0
19,642
15,419
39,729
41,100
0
0
5,441
0
0
0
0
0
0
7,213
327
16,304
0
9
0
0
0
$171,479
FRATERNAL SOCIETIES - 2014
PREMIUMS
Life
$'000
ACTRA Fraternal Benefit Society
Faithlife Financial
Grand Orange Lodge of British America (The)
Independent Order of Foresters (The)
Knights of Columbus
Order of United Commercial Travelers of America (The)
Sons of Scotland Benevolent Association
Supreme Council of the Royal Arcanum
Ukrainian Fraternal Society of Canada
Ukrainian National Association
TOTALS
14
2,039
23
917
7,702
1
29
0
97
1
$10,823
LIFE CERTIFICATES
End of 2013 - $'000
End of 2014 - $'000
Accident &
Sickness
$'000
109
79
0
1
68
30
0
0
0
0
$287
No.
Amount
270
4,625
3,296
311,009
63
301
2,369
68,020
12,169
611,070
0
0
642
1,289
38
151
853
9,594
129
243
19,829 $1,006,302
31
No.
Amount
272
5,051
3,268
306,476
64
285
2,245
64,275
12,223
630,171
0
0
614
1,242
38
151
780
8,746
124
232
19,628 $1,016,629
DIVIDENDS
Life
$'000
0
462
0
320
2,058
0
0
0
0
0
$2,840
BENEFITS PAID
Accident &
Sickness
$'000
0
0
0
0
0
0
0
0
0
0
$0
Life
$'000
16
878
7
1,252
3,200
1
77
0
450
4
$5,885
Accident &
Sickness
$'000
49
22
0
11
0
18
0
0
0
0
$100

2 0 1 5 rapport annuel du surintendant des assurances affaires de

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