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Insurance with which it is concluded, but these are the foreign companies which are carrying out
Business in Canada, and not representatives federal or local authorities)
It is authorised in the majority of provinces, except cases of obligatory insurance.
Insurance awards are assessed with the federal tax under the rate from 2 to 3.1 %.
Local authorities enter surtaxes from 2 to 4.5 %.
4.3. THE USA
According to Aktom Makkarena-Fergjusona from 1945, regulation
Insurance in the USA is within the competence of states, instead of federal bodies,
Though insurance it to the federal antimonopoly law.
It means that at federal level there is no special
Legislations in the field of insurance business. The federal authorities are involved
In regulation of some aspects of the insurance connected with the nuclear
Insurance, and also in management of national programs of insurance from
Flooding, insurance against crimes and insurance of grain crops.
In spite of the fact that the whole range of regulating tools is passed in
Hands of the authorities of separate states, are available the general principles of regulation. To them
To number concern:
* Internal measures (extending on the given staff);
* Federal measures (extending on other states of the USA);
* External measures (extending for limits of the USA).
The regulating body of staff bears responsibility for:
* Recognition of insurers according to their status (internal,
Federal or external);
* Definition of requirements to the size of the capital and requirements to
* Definition of requirements concerning reserves;
* The taxation;
* Insurance policy forms;
* Regulation of norms if it is provided by the operating
* The control over distribution of profits of insurers.
Co-ordinating body at federal level is National
Association of special representatives of insurers (NAIC), which
Unites regulators of separate states. The association does not concern bodies
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