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Insurance legislations of nine countries have many common features. All of them
Contain strong regulating systems, including licensing of insurers and
Intermediaries (brokers and agents as whom allow to work in all kinds
Insurance). In the countries there are official regulating bodies,
Requirements to the minimum volume of the capital and solvency. Practically
Everywhere in a legislative order life insurance and other risks is divided.
But in the different countries of system vary owing to necessity to reflect
National or regional economic and social priorities. Such
Distinctions are not only between the countries, but also within the federal
The states of type of the USA, Canada, Brazil, and within association of the states
Type of the European Union. Details of procedures of the permission necessary for
The insurer, are various. The permission of intermediaries is subject to changes from a point
Sight of their analysis and procedures. In a number of the countries activity of intermediaries not
It is supposed in some kinds of insurance business. The concrete differ
Requirements to the minimum size of the capital and solvency. The main thing
In the image, national regulating bodies are the organisations with
By legislatively certain functions also are separated from the government. However in
Some cases (Brazil and Great Britain) the national government
Itself is regulating body in insurance sphere.
Activity of foreign investors is resolved, though everywhere on some
Different conditions. Some countries have entered strict requirements to
Solvency of investors also can to demand the detailed report, for example,
About presence at foreign investors of the permission in their own country.
Others which foreign insurers limit a share of the insurance means,
Can put outside of the country. Foreign operators are subject in
Some countries, in particular, it are not supposed to other forms of restrictions to
To some kinds of insurance business or are assessed more with heavy taxes.
Such restrictions can be entered for the purpose of maintenance state
The control over conditions of obligatory insurance. In any case, process
Unifications of laws of insurance within EU, Canada and the USA, formation
Common market by means of the General agreement has progressive character
Owing to an establishment of only insignificant local restrictions.
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