Ms. Gavan: No, the Ontario Insurance Act, up until the early 2000s, had a requirement that to issue a mutual policy in Ontario you had to have what was called a premium note, which was a legal liability, to pay up to three years of annual premium.

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Mme Gavan : Non. Jusqu'au début des années 2000, pour émettre une police d'assurance en Ontario, selon la Loi sur les assurances de l'Ontario, il fallait avoir ce qu'on appelait un billet de primes.

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They expressed great difficulty in trying to sell the mutual policies because of this additional requirement — the signing of this premium note.

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Ils ont dit éprouver beaucoup de difficulté à vendre les polices d'assurance mutuelles en raison de cette exigence additionnelle — la signature de ce billet de primes.

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The Ontario Insurance Act required that we could only issue mutual policies if the policyholder was willing to sign what was called a premium note.

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La Loi sur les assurances de l'Ontario ne nous permettait d'émettre de polices d'assurance mutuelle que si l'assuré était prêt à signer ce qu'on appelait un billet de primes.

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In the beginning, when the mutual insurance companies were being formed, they signed what was called premium notes.

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Au départ, lorsqu'on a créé des sociétés mutuelles d'assurances, elles signaient ce qu'on appelle des billets de primes.

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Over time those mutual insurance companies have developed a surplus and, because of that surplus, there was less need to have someone sign such a premium note.

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Au fil du temps, ces sociétés mutuelles d'assurances ont accumulé des surplus, et en raison de ces surplus, elles avaient de moins en moins besoin de faire signer des billets de primes.

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Date index: 2021-12-21