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Insurance, but working on the terms of coordination of instructions at EU level.

Position in Canada represents something an average between a situation in the USA and

EU. For all countries the analysis is based on consideration of the co-ordinated principles

Regulations where amendments and detailed elaboration are accepted already at local level.

Between the countries there are essential distinctions in regulating priorities and

Management, especially between Latin American and East Europe The countries.

4.1. The European Community

The countries of the European Community save the independence in

Questions of the legislation and regulation of insurance business. In all countries

Licensing of insurers is necessary, the strict control is carried out Concerning actions in insurance sphere, including requirements to Solvency, to the reporting and supervision.

However the general principles of regulation of insurance have been co-ordinated by the countries

Communities. The purpose of this coordination consists in market opening in limits

Communities and liquidations of barriers in trade in insurance services between

The countries-participants. It does not mean introduction of the homogeneous regulating

Systems. The main principle consists in the permission to insurers of others

The countries-participants to operate in the markets on the same conditions, as in the

To the country. For achievement of this result of EU has considered necessary in some

Cases to demand inclusion in laws of all states of some the basic

Positions. The set of instructions establishes legally obligatory in frameworks

EU standards, but they are entered in parallel and into national legislations.

Key element of the legislation on insurance of the European Community -

A number of the Coordinating instructions, concerning life insurance and insurance

Other, than life insurance which within 20 years have provided

Gradual opening of the internal insurance markets of the countries-participants.

The first co-ordinating instruction on life insurance (1979it.) concerned All kinds of insurance concerning life insurance, long-term To health insurance. Conditions of requirements of solvency were defined. All countries-participants should enter system of licensing of insurers, Carrying out life insurance. The instruction defined action frameworks National system of regulation. Insurers are obliged annually

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