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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 legislation;

* Supervision;

* 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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Yellow Web Buttons Yellow Web Buttons offer a library of navigation images for social networks and custom web products. The icons are easy on the eye, and provide a uniform theme painted in yellow. The delicious buttons for delicious sites:)

Business Icon Set Business Icon Set. A collection of all-purpose icons with various symbols for the business environment for use with your software or on your website.

Transport Icon Set Transport Icon Set. A collection of colorful and distinctive icons depicting all transport types for the transport and tourist industries.

Free 3D Social Icons Free 3D Social Icons is a free icon collection specially designed for Web pages and applications dealing with all types of social networks. The pack contains images depicting various communication technologies and web-sites.

Large Home Icons Large Home Icons set presents images for all the types of houses, buildings, architectural decorations and homes you can imagine. This collection had beed specially created to present bright colored stylish icons for any architecture or map application.