Open Collections

BC Sessional Papers

Sixty-sixth Annual Report of the SUPERINTENDENT OF INSURANCE 1977 (Business Transacted in 1976) British Columbia. Legislative Assembly 1980

Item Metadata

Download

Media
bcsessional-1.0378781.pdf
Metadata
JSON: bcsessional-1.0378781.json
JSON-LD: bcsessional-1.0378781-ld.json
RDF/XML (Pretty): bcsessional-1.0378781-rdf.xml
RDF/JSON: bcsessional-1.0378781-rdf.json
Turtle: bcsessional-1.0378781-turtle.txt
N-Triples: bcsessional-1.0378781-rdf-ntriples.txt
Original Record: bcsessional-1.0378781-source.json
Full Text
bcsessional-1.0378781-fulltext.txt
Citation
bcsessional-1.0378781.ris

Full Text

 PROVINCE OF BRITISH COLUMBIA
Sixty-sixth Annual Report
of the
SUPERINTENDENT OF
INSURANCE
1977
(Business Transacted in 1976)
Queen's Printer for British Columbia ©
Victoria, 1980
  To Colonel the Honourable Walter S. Owen,
Lieutenant-Governor oj the Province oj British Columbia:
May it please Your Honour:
The undersigned has the honour to present the Sixty-sixth Annual Report of
the Superintendent of Insurance for the year ended December 31, 1976.
K. RAFE MAIR
Minister oj Consumer and Corporate Affairs
Victoria, B.C., November 1, 1977.
  TABLE OF CONTENTS
Report of the Superintendent of Insurance	
Page
.     7
List as at June 30, 1977—
Insurers Licensed  9
Fraternal Benefit Societies Licensed Under the Insurance Act  31
Reciprocal Exchanges Granted Permits  32
Societies  (Incorporated Under the Societies Act)  Licensed Under the
Insurance Act  32
Annual Statements of Provincial Licensees—
The British Columbia Insurance Company.
  3 3
B.C.A.A. Insurance Company  35
The Mutual Fire Insurance Company of British Columbia  38
Pacific Coast Fishermen's Mutual Marine Insurance Company  40
Roberts Mutual Fire Insurance Company  42
Seaboard Life Insurance Company  44
Westco Insurance Company  48
Tables
Life Insurance—
I. Business of 1976  50
II. Summary, 1972-76  55
Fraternal Societies—
III. Business of 1976
56
Property Insurance—
IV. Business of 1976  57
V. Summary, 1972-76.
Reciprocal Exchanges—
VI. Business of 1976__.
Automobile Insurance—
VII. Business of 1976„_.
Miscellaneous Classes of Insurance—
VIII. Business of 1976	
60
61
62
65
IX. Summary, 1972-76  76
  Report of the Superintendent of Insurance
Department of Insurance,
Victoria, B.C., August 30, 1977.
The Honourable K. Raje Mair,
Minister oj Consumer and Corporate Affairs
Sir: Pursuant to the Insurance Act, I beg to submit the Sixty-sixth Annual
Report to the Department of Insurance covering the year ended December 31, 1976.
At that date, 336 insurers were licensed under the Act to transact business.
The following summary indicates the origin of the insurers, how many hold only
Provincial licences, and how many had Federal registry in addition to a Provincial
licence:
Where Incorporated
Provincial
Licence
Federal
Registry
Total
British Columbia . "... — -  	
6
9
9
1
1
7
126
29
1
1
1
1
2
3
1
2
1
1
1
3
129
13
135
38
Australia -   	
1
1
1
2
2
Holland   .	
3
India    	
Italy  	
1
1
2
New Zealand _..  __.	
1
1
2
3
United States ,   	
129
Totals        	
27
309
336
A complete list of insurers will be found on pages 9 to 32. For purposes of
convenience, the present list is made up to June 30, 1977, so that it includes insurers
licensed since December 31, 1976, and shows the classes of insurance for which
each is licensed.
During the year, the Italian Lloyd Insurance and Reinsurance Co. was the
sole new company licensed during the year ended June 30, 1977; one company
withdrew from the Province, and three companies changed their names. We have
reported the statistics (other than automobile) of the Insurance Corporation of
British Columbia for the first time. On analysis, the list shows that 126 companies
(exclusive of fraternal societies) were licensed for life insurance, 167 for fire insurance, and 87 for marine insurance. These cover only the major classes of insurance,
and it should be understood that the same company may be licensed, for example,
for fire, life, and marine insurance.
The annual statements of these companies incorporated by or under an Act
of the Legislature are set forth at length on pages 33 to 49.
 8 BRITISH COLUMBIA
The taxes collected on unlicensed insurance amount to $78,000.
The number of insurance agents' and salesmen's licences issued for the year
1976 is given below, together with a comparative table for the previous four years.
All licences in the insurance industry now have a pre-licence examination requirement.
Licences Issued to—
1976
1975
1974
1973
1972
4,901
2,214
374
63
87
4,427
1,737
347
58
71
4,819
2,260
471
120
158
5,100
2,318
529
123
178
4,780
2,573
1,592
121
203
Other-than-life insurance agents 	
Insurance salesmen    	
Insurance adjusters  	
Employees of insurance adjusters 	
Totals ...     	
7,639
6,640
7,828
8,248
8,269
The number of real estate agents' and salesmen's licences issued under the
Real Estate Act for the year 1976/77, in comparison with the previous four years,
is as follows:
Licences Issued to—
1                    )
1976/77    |    1975/76    I    1974/75
1
1973/74
1972/73
2,801             2,510             1,913
9,317            8,813      |      9,021
1,802
8,600
1,493
7,396
Totals     	
12,118      1    11,323      1    10,934
1                     1
10,402
8,889
Pursuant to Part 1 of the Real Estate Act, documents have been processed and
filed in connection with 750 subdivisions since my last report.
The number of collection agents' licences issued for the year 1976 is given
below, together with a comparative table for the previous three years:
Year
1976
1975
Licence Issued
to Collection
Agents
_    133
__    129
Year
1974
1973
Licence Issued
to Collection
Agents
._    153
._.    151
The association President for the 1977/78 term is J. O. Darwish, Superintendent of Insurance, Province of Alberta; Secretary, M. A. Thompson, Superintendent
of Insurance, Province of Ontario.
Following the election of officers, the superintendents accepted the invitation
of Lome Monkley, Superintendent of Insurance of Prince Edward Island, to hold
the 1977 conference at Charlottetown, P.E.I., commencing September 19, 1977.
Respectfully submitted.
E. T. CANTELL
Superintendent oj Insurance
 REPORT OF THE SUPERINTENDENT OF INSURANCE,  1976
1     t>
Pi   2
§
P
o
o
X
|
5
m
IX,
O
w      S
O       cfl
£      &
ft„,
<6
OK
9°
■■a
■qffl
V-cccc,
lip
W   w In *0
g|*s
| «n-S
5 « o
|§«l
a ca oo o
* | B S
S-3 2 ra
a ..p-o
&,8   &3
M    . cn" 9
o a -a «
« n § &
o**.a g
ft «? - o
_-| 9U
Ilia
£   CT cfl **
™ .co c„
« o c
3gc
t    Irl     U
cSSo5
_"  9  -A    Cfl
g-g « «
'ot  cn        >.
0 . >?t:
75 >,* cu
&C ^ ft
»oSo
ft « a
1 ft.§ 8
.g^-i
- u & a*
ii  "flj
g oi rt O
O o O <u
SS -3 J3 3
%pM a
c   c ^ ...
CJ  cu  ccj
c p,c*. cu
■ s --
~-ftJ8 o
fi -- rt ~
cu rt a _
•a o &1!
t 8 f |
CS §II
-.2 £«-
cu .a      o
a-3 „-.
9 'S 3 »
rt  ca rt "3
p.sia
-*o *-> .
bss«
tu n fl *o
So   fe e
o v- ».
«*-■ u o *o
- A £p ft,
c *■• rt H
1 ifl 1
J«   cfl   « ,fl
533 S3
- ■ c rt
5££
OS.,
&S.8
8,8 1
£   ft 3
*a rt .5
c g
rt w 4>
a -o (§
en       O
tS ft^
S &
° ^ ca ^
*o c eu ca
c 2 °°
.5 T3   y "O
c .2 «"°
53        +.  cu
m ca   -.5
fe  cui!
ftg,
11
•S ca
So
c a
- ca c
•■§     "Sj
!h   cfl
2.9
S j3 t,
111
-  Ch"  U
SSss    £
cu   H
^   cfl
3     .
^   O JM   cfl
.5 k
fc 61
£ 5    .ft
ft s
cu £ti
, ft cu;
*J JS rt «w
B.ftǤ
&g&^-.9
I s & a*3
fi " fe -a o
■2'.-
l-gft
4-1      OJ
rt ^ i
2.S «
.5 &     •
- °
o © b
&-ss"JLa
s
IsSBtfa*
.. o.S o
O c^  ^  b
ftft&&
g|  .S
owe
^ C ii S
■S" *■" w
•89 ?3
CJ    O   +j   o
4*88
I    u  co C
i   . cfl   '.a
1   u rt JS
' * S <Jr ^ »!
;-™ "a 2 ft
ii ft u     E
J  ti o fl      u
'3*0 fl
bc-*4  C~
1 § 8
J33o
«       u
s s
Q. W cw
CIS     .fig
8 o^^ S
rt cu a -g g
f>,
ca ca ^
CU    Cfl
&|U
S   co   ft
Ch    CU
eii
• <u S w
i-H   -M     O
CU  tj
ft    .3
c" *« .9
.2-° u
«  -5
lis
9* P «   ^!
W H "O >> ,
c a « a i
ca ro .-tt «   -
? s i 9"u.
1 75 "M  g  cu '
i tf •a "9 o *
K rt n w   ;
x B S 3 ■
.   cu cu ca 5j
' Silo !
S fi . OB «  !
•5  &  r?   '
US
i-l     hJBj
U    CU
3 E
5"8
ft bB*-*
JaS
u<   rt   O ^   >^
■a -s Is I
8-a53 I
. 3 a e u
8 -o .2 I u
u   ..a o j3
a « a o
c 1 -9 * •«
>. rt    ^       (
lj?a.!i
- « w u .a
*S O *S rt ^3
,D ^ S3 <u (fl
n C «    - o
u ■" o So >i
a & '53 S O
ES •>
_.   . & k. ca
ca j«! K ta cu
te % & „- =
n. 5 -h Mt-j
O c; fl CJ u
3 S J 8 _
2 o-ag-9
a ^ a M
o   .S-g ca
MgO,«C
ii S3 S
2 S ft* ft
•3 a g ju
-« ft >, 1
i ii-°r
■o "2 9 o cu
O    O    Ch    C, **
rt ca w a «w
„ ft.a o
KB.
>     S
a
B.g
O    *
C3
°I§1
t*     Oh
c
Q
u-9
>
H>
CU
a
o
if
a s
CO
0"
M
>^Q
u
o
o
9
a
h
B
ca
>
►3
§
cn
3
8
i
j*
&
&
ci
.a
o   r
3 1«
U o >?
cw H   U
° rf3
o ,0,"
B       ,9
t—t
-o
CO B
u   o
0
CQ
rt
§
U o
CU
■rff
<§ S
o   .
U |
a a
< <
&     3
o
5
><
%5
n «
 10
BRITISH COLUMBIA
3
•5
c
o
U
W
o
z
i
5
oo
Z
r—I
«
H
«
W
Q
Z
5
S
z
w
^
Ch
s<
op
H     X   "
fe a a a
""So-B
« cu 1g a
-3   3
ii ts 'C '3 !
a u a
o ft !o j
* P   _
CJ     ■    «4=
2 &a "
.VJ. o
c   c. I>
o oU
>>;
ami
lis*
I Ial
1 "■§ &
■t-  •«    Ch  3
a cu o
•o d 15 ft
Sc,">a
rt  « ^
g^3
.a     cu
og     «
&*- 3
* «'S ■
&§&:
Pi:
O        'a   U
rt   kT*   S3
S&" 8
S ^ °
ill!
s
■o
.>■»
a c a l
•S .8 a*
W  **    Cfl"  '
III 4
a-a»!
2 2 >«
III.
•S v. ft "
- &.§ '
1 .„-'
X! •>*<  c
-8^
1) S   u
cu. »s .a '
>c  O      .  I
ago
o °"d
III!
a 7a a i
■a  .a"
9 2 6 '
•So
□    *-
.fl   u
O  & *0   ;
&s §
•raj-
"■a gc
Kef
5 11
'3 »
*°   0) it!
<u
rt 9
1 r> :1
9 c60
o S 9 2
3 ft 5 S
a S 73
-ft"". °
Ball
h a 2,73
•a !2 ? §
• ft 5   .
a   .- " E
«3 44   . k
I o ° 2
3S "o
ill!
.all
*- .fl '
§„-i;
.i5   (fl   OJ   ■
tn rt
•|'3,o:
s u 8
° « a
^-ft-S
* ft*w
JJ ° *s
13 b rt
8 s -
flSSg.
S B S3 M
rt      Sc
&«     E-
°   O .S  to   •
O .fl   £ TJ •
silJ
Pfl
a     .- >
Cfl      „-H   t*
>< 2
•S83
a ft.2
9 9"
a Ofl
-°i
u tt> rt
« J3 *-.
£^  S
?  OT3
<    £
b
til i
^•S«?8
i«
&6-0-
3 £ Si
iaft^i
E -a cu"1
«89i
Is-2
«; ft a
.1)   CJ
« d.73
3 23
75 ft £
E-a
o sx
3  O *
ess
si g
ft73   M
k'a b
ft-a 8
u B    .
9 "■&
•a 2 -a
•G-9   .
ca g ca
CU   CU   J^
£3 2
o   ft
81
o 73 o
B   E  ffl
sss
§ S3 a
e ft-c-r
•fl 1-1
30
- >» o
U   f 4
H Jrf oj v
31 9 :
a >" s ,
•-H ui a g co &
• «o&3 9
rt 'in  w
3  &«
•R.B
iu o" w
,-sfl
&-Hal
11 '5 J "
«»
..a
Hfi
S§
•offi
"S    3    ix
B    U
&>.:
OS
6°.
ss
"lj    £* B
ra  rt rt  [£  B rt
u a o  u o o
•sa-sz-e -c
a z
■ca"cz
z«
sa
 REPORT OF THE SUPERINTENDENT OF INSURANCE,  1976
11
S S3 5
5U«
EC -3
• .8
is
ca g
,j^ -a
">   Cfl
'.3&
"■■SB
2. - S
ft « b
ffgcfl
>-  --S
u j-T*3
o <t-l
Srt o
O H 'fl 2
n. rt fl  ft
5m —< fl
uSE-8
*J <u E <a
•o o 2-B
eg *- -a cm
B   fl-9  °
•".2*8
cu .a t3 a
S a a S
a -a n 3
ca °* „ 55
2 B S3 -9   •
* -SB*
S  .5 a-S
•2 &13 ca g
■2 £ S S3 o
&&S-B »
cu _ y",a -2
J<«J«!
I -lis
Ch    rt    Ch  .S    _
« rn   CJ O
ch"2.9 xU
o a co u S
•a   . - &a
jSJi    S     CO
"    ft   -
" 2
si
i3
y co
»,9
I3
"a
O
ft" a
ii-3 &
o B
O  s" O
s i 8
"25
e-ftO
0   _H     «
•a 73 y
s g S
° -a a
& 1 B
8
rt
! ca .a
CO     ^
CU a   CJ .a        CU
a -° ft5 2 B
S 9 o 73 2 J3
. o g ^ o a u
B ™ 2
ca "a 3 '
& 8 a
I 9 M
~~     S3 cr s
o „ .
u a 73
cj u a
3-1.3
Ort.
u 2 cj
H      O-H
Ch    Cfl    U
3    Ch    CJ
«    S    M
.2 a -
.» E
E   -Si
g 2^ M
a &os-
8.E » S
"   B 3
-•gllj
9 2 .r.S73
a c a
73 cu o
a   CJ *h   Ch
O   Ch CU
•a 8 S ft
18,0
&9 ft-
L-i &
o 8 a «
&S B S3
a 1*1
8ch"|2
ft cu ca a
•days
a o S .9
.     -a
jf if s
If -6
3 2 cor»
2 o » ft
|||8
SB2a
all S
™   a -^   ni
.9 8-|5
81
•s
a
§1
o   a
5§
3   i
fl 1>
rt   3
>8
a
>
O
o  rt
B        J3 >
W ft    -
^   So
rt *0
! «
-a fl
rt o
^m
8^
m b  .
* ca !jh
>         Z
3  B    .
.9 3
to'-'
°'" jj
fl oo o
ns»
r« *
6 & £
. c
o~z
)4.«
SO d
d o
cu      O
U fl
1-1 «  B
B«
OBH
J9
««s
'b !3 b4
9 a b
•S73W
•3 IB
M
ra
qj M
*d
caU
fi-S
<U   cfl
■a 2
ca ■«;
3   CU
la^P
E2 r?     -. ca
a U u ca ~
•3     A a
a    ca a
m    uo
 12
BRITISH COLUMBIA
3
•S
R
3
6
<
a
o
z
2
5
to
Z
a
H
PA
53
P
s
to
2
3
to
Z
g
g
«   <3
.fl :fl      ilcflflo-Hrt
" ■""'      •> (J   vi   n£   r   h
Jl -fl » fl     s °
!i -fl fl 3 ,* ft b
■S ft co
» w* a j
3 2  Ji^llaf-S
4> j3   CO
'  *-•   «   a)
^rfl-flflS   ? ft B in
rt a P     & 'S S ft     »
b ca   .ftftuca-.   „ —
a„-c 2 S.g jSjj-g
B S3 Jj   -_ 3 S °" s „
S-g-S-ggo.aSag
ajy b mc- tj c
- co       ."«.
^rt    C    tl    M    O^       .U    CC
rtcu^^+HB^   „B
sllialt8.il
" s,K 11 E 8 2 a o s
w     oo fta   .. ftts ~ .2
ft
a  3
rt
n
a
o
a o
Sa'-l
.2tc-
9
«    • .
u   o
 REPORT OF THE SUPERINTENDENT OF INSURANCE,  1976
s is"? 6
13
hJ
e
o-o
33
•o
»-*
fl
■a
5
Cfl
fl
0
o
0
UU
 14
BRITISH COLUMBIA
"8
3
•5
e
w
o
Z
5
GO
z
a
H
<*,
W
3
z
5
s
to
q
3
p
EO
rt
O
3
•a -21«
a .2 S
T3  rt *«
83
S3 „-
o-a aafi-a a
ts E ft . ? 2 &
S 3 g c s 3 9
3 £ ° i j a °
S'l2 fts.12
S'-S'I*" So" ft^a-
Sj 9 a ca ■ag'Sco-a^J
""rtrt ta S. o & cu o
.-.•ah E       ., rt » !- <u
*"     GO
rfS «
.2 M rt
,'U   V    r    CJ
Mja c
3 7i :
st:.
2 oC 3
S 2 b
| ft73
"   fl       *
• Ou   c
.1"? Tl    -^    H
a
J & 3 73 fc.3 «
ca     a a fl .. ^3
ll
«Sal'Su»t
1 fta >; S3 .§■§
Sea Ch" S CU 0   - 3
cu 3 w 8 .*■*
a-3 B o, "a-a
.SSS     a 8 a
?  .3 §  .M3
S3 a _ 'a s is co
73 .a o a 3 —
S"3- S3 g^a SS
Sfi tf3s8
j- &-■•     £ ft
u* 2 p | ~; S3 o
3~ ft^S5 a
2 S3 Sc ftfl g
S 3 E § o § 9
iSli
a 6 ft
a S3 S
2      -o
.a   . c ij
§B §
•55 2
"" ° ■ "
B"J2 * *m fe'
2 b   o:a
'5■§"2 «3
JS &: B  cj  rt
S       «BS
o *f?   - ca ,,
cfl   CU   M 3 -h
SSgflU
h  - 3     &
•a SP.
*£  rt
St
ftrS h
it
;a a
cj ca
.15 SI" 2
2.9 8 ? 51 »
8 o.«>ii"73? 2
(0 .fl ^3 C  rt 5
„_-  „ *- Xi o „ 7"
2S°9 S33 °
gTigS °-g 8
■8 s 8 8 g" 8 8
fl   ft co fl   rt   fl   co
| .3 S 9 S3
3 S oS -to O
CJ .5 ji  S3 ^ *o JO
cj 'C 5 8 u a *
« a p «| •§ a
J3     ,C9   P w
j  —    Ch a
S~ a u *a B
•a 1 f ° 4
- 1H    -.2 2
§3-2°S
° ■§ 3 a -
ft ft 8  >h B
X     B     '    CJ    Q
.-CS"0 a 3
CU   ft S   CU   ft
E   O   ft Ch   CO
3 o. § S
CJ cS
rt 73  *H
9 cu'a.a
OO tj   cfl   w
c cA *-> rt "a
I 1 73 &3
.3 "fl\ M H c-h"
lift'3
^5c3B,0-
S   ftcUfi3
o & a a S
xt in a cA B
cj cr ., o
-fllll
-°   D. « t-.    .
O       u o«
o c S o £
fl   O   «   C   C
g ja & 3 .fl
W G. u C a
a- S.3 3 j
8«l5'i
rt — TJ o rt
„ fl rt +5    ,
S
E
■s2
Ii
I!
2P
■a
u
<
a
a8
,Jl
zs
aSJ
x>
3
0
o
73
z
•a
o
o
O
E
3     5
o
O
O    B  ch  3
o ooo
o o
00
owl
 REPORT OF THE SUPERINTENDENT OF INSURANCE,  1976
15
3 a
S3 &S£
3 iii
g &8-s
* ftf-o
■a ca o
S trio o
b-a-g .,
ft"- 72
*° 8
11 I
fl   co
°\S ©
-, M
flfi ^
co   _ W
4> ■•-•
ft-
fl _ *■*
82a
S3 gS
ft cu "3
L   CH  .-.    CJ <£   *»
r « S B      a
1  «>       .«      -fl1"
o .9 a;
cu - o
... S3 u
-3j2
5   * cu
.2 So
ill
{jfl3
G m^
« rt <*-i
1-S£
3
t* .a a
ftl? rt
to « tj i
8.5 gj
328
5   rt        TJ
SSo'S,
B *- ca c
° a g   .*
2|33£
•m   -5 S o
S-S3
aS2
£'a-a
S3 g>2
ft-9 E
o32
cj  B
—        cu  O
J   co   00
111
ca'? S
3    .
00 <s- S
_ cu CJ
S rt C
M «-C
•*   B   ft
B  5^  ^
"h c- 73  Ch  o
« o 52 3
Ch .a    Ca   ^    B
3 g   . > 3
cw -a *-   .a
o ft u 0- j>
ft C ^ -"< co
«3&|S
B  >>
Is
11
J5
*M o
CO  *"
Si?:
ft.a
itM
8 .■
73 cu"9
3-M o
o 2 2
CO    3    CO
S a"a
a£3
.15
C  CJ
SJ0-3
B. W
a ".a
9.* 2
O u a
00
•M rt,'
°flO
8-2 ft
5 s-
2 tl ca
2 ft1*
•5 3-2
ftg
o.2 :
ft|c
• r-. 73, 1
9 S*i '
»"£   a-3
s|
rt v-t
-43 **
■a fl *«
5 8 °
^. >_> 2? 0
o n*°.S
o £? « ;
G H ft"?
rt « p *
1- ft fl ,
3 O " i
co   ui     - *
£? 1
S 3
II
S3 ft
«
'3_ B
a ^1 rt
ft— ?!
cfl   ft3
sss
a .„
"8 B cu*
a cu a
a
°8 s
.2-9 &
2l3
II
iS
I Ills
& So 3 -a a
C   co —
u" c»" 3 a c"
as cu a a o
3 b g ■ -3
S3 3 <J <a
5.2 § s «
o S .g I o
•a  . „3 a
8 & -a 8 i
„- S S5 M 2
^ ft S3 11
ft cS S
u -a ft B
81S2
. C ft
CU" CU
Sn.a
1-1 ft
"J.
O  rt ^T
u    UVH
3 u a
rt   - h
fl « a
TJ   « M
00 p.-;
•ort      .U —
5 c rt o. «
3 « « a
•o S?^ .0
■a S   * w fl
£ ^   (O Jl)   ft
c o *3ilfl g
x       u 3
w  o  o   >  S
rt >. o
rt g ft-0^
fl "° C ft
alft-ii
g||-I
9 «3 .
3 &<
9 2-
•C  fee  .
■a a '
o o .
fl    t-i   f
! 3*0
--28
B§2
iǤ
CJJ.2 cu
00
ha"S
gal
JO    CO    Ih
7-j    «   ft
E|
ill
"2   co *7t
1  3   9'
OJ
h rt .S
CJ
73 5 > '
rt8g
(-,  I-  s
-S J5 s
"O   D   iM
c txv
3    „ ft
*^ tj i~r
3 s-s
•5 c*- o .!
.a I *.:
>. a>£ :
u -j *^ 1
<U c-O      -  <
ft o o t
O   fl   M (
(h  fl rt 1
ftO^  I
2 5 S <
C rt ,3 ,
>sO,H g5
t_> Tl   fl
rt rt a
Ih   fl   n
B .2 M
3 *-m  rt
a 2 3.
»t: "f
So"
S at.
2 o
is
I a
C*   Ch
a m
B   B
a -a
- «*
cu <a
* c„
a o
5=   &
;|"9
u fl 55
: « 3tj
: rtrj c
■ >  o ra
,       C
5   3
o«2c.5
a   . u Q
8'§
a a
•a?
. a .r a   _ 3 ,
> » "a •« tf 8 I
!  cu S    - M I
3 u-a a-
||3
III
£
•-J1 fl **-*
& fl o
C B Ja
rt TJ *3
e *0    »
« y •
O rt 60
o   . rt
tl
I
H o *J
t-> fl
w rt o
1—1 *o
S o a
o,*^ »a 73 d.cc-1 "
CU
B, a-a
o « a
•h a b
3 S3
i-lft
c
TJ
rt
rt
ft
J
U
rt
•a
"6h
J3
a 53 «
ill
S85
2 cao
3 --B
S B 73
81*
a 3 ^:
3 u s
."3 g S
lag
73     73
3
«M   «t-i
33
«&9
M £   fl
i s^
rt ft3
«*H fl
• rt *
c fl
.fl co c
w  u.   3
O  «  ™
*ft & fc?
4J  *f   CJ
*£   P   ^
™   >
O*        W)
,fl c* rt
fl ° a
0 rtX)
lis
38^
3 g3
o3  .
fl S3
■3*1
rt    _   Ih
^-8&
II*
rt 3 o
_X    (A
u
Is3!
B"a „.- a
.2.5 a3
2*23
q   yj"   CI]
6*8 *° o
fl-S a >.
-j-S^ft
rt
c —< rg «>
- «*fl fl
aj M  > 3
fl a *Q
S S >»«
§ &*° 3
rt  "       §
»j>l-s
^ & ft co
>> «   fl
fl  ft-5 co
HO rt
Mi-,     „
O &^ i1
j. cj H ft
c * .fl o
o   . rt u
•11  co        ft
Ml
ml
§73 o.g
1 § 2 »
rt m o fl
u   - fl _
TJ   U   O ^
•3 3 2 2
2 a a 8
""■SB
.9 aa
CU
•a    5    5
1 a    2
>.73 73
B a B
so o
a ca »
SCH C
CU CU
o a a
3
*a
8>
>0
I
>jE
Uh
o
E
l§   .a
W CU 1-1
U'O     ^
E p-;   >-;
H
tf s
c o
al
0 2
cj Q
<°        '
ES
3   >
u   O
"a
>
a"
CJ
«
03    M
8
>
.-I
0
K
>    3
cu
•2     M
o     S
*    I
CU
to "■>■
0  a
255;
•2 5 §
g-gj
OO1"1
u
8
a
>
0
O
t-
CJ
wo
0
B
o
B
o
o
H
ea
fa
H u
^ cj
00
Ih   to
3  C
[fl H-l
VI
<73
i-l.S
fl ^
O
n
Ii ^
»;<• o
I - •
O cu O
_-Q O
B
o
a
3
ej*7J
H Sa
rO
o _
O 73
. 3
B   3
sa
3 .
35
^3-
ll
3 rt
MM     W
5
E
W
^H    CO Cfl    fl
H  S3  ? S3 'ifl
tu  >. ? >» B
C  O  O O  O
a a a
5 9 5
WW w
3
CJ
Ph
9
w
I
a
3
o
U
3     «
«Z o
H -id  °
3^U
co   o
co 1^     .
^1
«Zl=,
1-1    .H  B
3 S"°
2 3So
.■§ w .a 2
3 3
a1 of
W     W
°£ o
o"« 2
3w o
fl   -H
2S„-
H 2a
g-^8
z
a
3
3.°.d
« a
£ S co
CU   ^   M
33.2
o M_
2-aS
89-S
X rt cu
NUih
O    o
7a     O
 16
BRITISH COLUMBIA
3
•5
R
<3
w
o
55
I
CO
M
8
0-1
rt
§
3)
s
I
M
U
s
1
1—1
rt
O
H
a
OJ
a
J3
1-2 E*
B 9 2""
B -g to 0
aa ,,
»• &l I
slls
ca 3 a _c
§>•! a«
•"" ^ c«
eft   Q  B
ca t. a "w
f5 53a o
rt   g   U   CJ
a a a
00       5  O
e-a * a
O  eu  3 a
"3 a 5
cu cc g
,   „ rt B
. X cu —
j.2 § ;
9«"
.•a
Is
I3
•go
d ti
the
her,
re ii
inlan
ition
weat
of fi
c fr
~TJ     - >,
rt   O
■s ft
*■'       rt 7;
5 b 9 a
rt
®     CH
00 a S S3
oc S3
rt tj
8   3
&-* 3
o   >,
ft S3
.•fl &
& ft
OJ
o « 6
■3  cj «
rt  ft a> .
o 7J
*fl  M O
a. 9 5
o a
co rt o
S"" *•   .
fto"a &
-H-7S2 8
III3
TJ J! a   O
rt «  fl J3 ■£ 0
rt   o .
fl    QJ ■
o  in
9<B
E.B
a-a
&s
u u o
3&gSS
J.   c   Cl   .
cj ax >,
c —   t:
cj   cj ^5
3 ft 3 cu
73   „M 5
a 5 ™«-c
o a  - o
3 a § S
o" S 2 B
a a co a
-° — a ~
illl
fl*-3
fl ,3 *-T QJ
i       **,§
cn _c ^
Go     . +J
tj .fl So13
•fl  ¥   rt £i
is I
0
OJ   ft*
ft
Ui
Wl
ffl'
* Uj
TJ
«•*
U M
3 «3 " ■*,
3 a .j- o
2grt«> 73 0 9 "
5 ft § 1 8 S . I
—  j-   rt %• rv^ rt
^ « 3 fl 3 fl
tJ2 I
CJ ?
•a 73 t3
M c B
bo O rt
a S ch"
73 ft^
„ a> ci
Cfl0
to  rt    „
O  fl  o
■a q 00
ft       rt
■11
<u"2a
•a ss ch
cr— ca
a . *
t, b .
5.2jj
73
E ""
a cu" 3
•a oo-a
2 ca rt
M 2
CU' CU   Ch
cj — cj
3 5 cj
3 "73
-1D.S
•o o «
3 S  S
8 73
•2-a c
33 5 c
ft   _. rt -
5 TJ   3
II a I
rt T) ti  <d
fl  « cj £
fl"", S o
2*0 *
ft oj 8
cn .<-  ft
a ft
ci tJ
oog
cu  3
*-*   cfl
. rt a
• a
.1.
ill
J3 ;fl ft
2   .2
Ch    tn   O
0 O   o
ill
a 3 «u
8 8 2
I  -I
cu   CO
Tl5'3
a 0-
MO
OS*.
371°
S3&
1 S33
.3 «
to
C
Tj   CJ  H
c
C  & «
•fl^^
.S ft »
TJ
U
0
>*>
s
0
fl *3 2
5 (Ucfl
co
i
0^0
ft 5 "fl
5 2.S
to
rt
"■73S
B    - 2
—  cu *^
E 3.2
o"2
o Set
* ft £
- 2 s
.3 a-S
8 g 1
ft E 9-
92 §3
8 11
0 rt &
CU     .
V J3 * rt -,
c ch r a
3 a . « o   .
.2 2 S 3 a a
a rt a o to 00
00 a
.9 2
" 1
"&3
a«
o S
43 ca
a .as *
C   K
<H     t)     O
<u 9 2
e « o
«   . ft
v
Ih
E
■a-Sa -a
fl     O   «*H
a1 IS °
Is
tu o      tu      cu
^h  IH Ch Ch
33   E   E
.... .    S B
9852
2 .2 c a
-a        Th1   fl
. rt  to" a rt
h       .  CU    Cfl      .
ill a* 8
.■a «  _
S<3
2^
Efl
23
3
> c
> o
Sj JS
|.2
OO
■8*
•J
K>3
<    Z
z   a   o
1°
ga
Z cu
aE
J3
J H     S
0
o
u
fi
«-3
* rt
S8
So
8<B
a   .2
23
5 o
IflCfl
i   O  B
WW     w
w
CCH
3
Ch
a
i
a
W
a 3
8
c
O
a 3
6
CJ
6
r >
0
si -a
rt 8
.2 ™
11
CU
u
fa
<
00
a
E
0   0
a
b
1
a   .
a -a
3 B
WO
73
n
73
3
00
CO   M
fl a
Cfl
Cfl
-C
a
8
9
ft
OJ
9
G
O
j!h
z
1/1
rt
jS
"co
co
"1 0
j
TJ   CJ
 REPORT OF THE SUPERINTENDENT OF INSURANCE,  1976
17
+j      c      **
cu  2    B
S3 2 g
6 "8 a
11 i
S§ 2
a o  «
B-2   *
is £
SI
TJ <U
SI
3-°
il3
a b-2 °
.SN
Sill
|| 8 3
2 * &-9
ft     . °°
w *-T at   o
TJ   tS  V-
C   DO V   >.
Ufa
3 73 * 73
-B   .ft
alll
3 O.      3
a"&a
s?8ts i
5>   fl   3   cfl
e?-M a.s
9-35.3
,   .11
u.  ^   O
„-ft
3-8
3    rf
8
S2 o-ft
h, c, ca
3 ? cu a
3 .9 g
o a a
«73c
9 •« o
a" 2" a     b
■a 2 2 sj 2
153 ft a
11s s
sa
M 5 >>
i* o
« 2
OJ    ft
112
■ ss a? S3
ch-32 a a
-   3
t* s
5 ^ a
ag v
IS3
SS
3 .-
> .2 9
* 'K .B .
a f?-
»   CO
w  O  ™ >.
o a o £
Sf 1 3 a
fl a   ft      '"fl   -73 P
a"   -   a rt ..-">
1 ^   rt
2 cu
5      9
« cu"
u"75),Se! «
la 2 a
o « a«a
Ift73°
.2      § at. a     -3  0 g 3 3 >.
-      3&S2      3 I 2 a 3 I
„•« e j
rt i_
~-ftS3
^ O M CO
rt Ch CJ B
Ch    a„.a
'3 2 "•=
« ° 3 2
■SSI'S a
'fl      ^ S ft
o a" " 3 B
rt 73       c s
>. 3
c
rt « - e
a * a a -
igfiga
. a „ a 9
«K   - C   .. H
rt a>   . t- °
s 3 2 ^ 2
■art £7,5
a E tu cu •*,
,_,- c a S °
lic.8
S a o o B a
° 73 § 3 B 2
u 2 ° a »" a
a, rt > -a s, g
.    .3 a ca.9
a*™   -
3 °»" S3 «
S22"  .
33.£'5
■a
w
w    w
H-l    W
• S S. 1 tf
ft|i|
ca*" a
o   rt HH
."a o  .
cu
.a
w
ej    - u
3l«
S3 « 0
!*  N   fi   £?
fl 0.-3 5
lilt
o % S"8
i*r9.1
812S
P
u
«!
z
o
a
o
n
a
o
Ph
8>
oj   rt
ll
h. w
I
z
*
CJ
z
6
U
» i
co 3
Sf I
•a I
s
s o*
fl
o
o
H
fl
O
&
a
O
poo
is       b      -a
o
O
5   6
0
"S
u
a
8
5
1
1
3
i
1
•a
■a
OJ
»
ta
fl
OJ
S3
8
0
0
0
3  3
S3&
3
a
3
3
o
5
00
|
3,
Cfl
fl
3
CJ
0,
3
73
XJ
n
O
0
ct
5   •»
o
U
o    o
a
O
S 3
»a
a -a
4, a
Ja
o o
a
3
o
z
I
I
z
6
O
I
 18
BRITISH COLUMBIA
cj       *
rt
O
w
w
rt
 REPORT OF THE SUPERINTENDENT OF INSURANCE,  1976
 20
BRITISH COLUMBIA
"a
CU
a
•S
s
rt
O
z
3
CO
z
«
3
H
w
q
z
5
a
CO
1
Pi
I
to
s
•52
<3
SO
3
co
3.
<M  O
oa
SO
ll
/h cu
aS
■?'
£
a
I
 REPORT OF THE SUPERINTENDENT OF INSURANCE,  1976
21
g£    3
B    <H
o a
°5
O B
.9 «
■a j4 a
<U E Ch
Ch  .3    CJ
ft    ft
. ft o
CO   co   ii
S   - a
,2   CO   w
73 fl
23 8
a 73 »
3.    2
>.a
t ti o
ftSg
III
ft— «
ill
o
>. cu
•°3
9 a
<£   4)
S3
lllSgl
ill*!"
b"  -a 3 h «
o o B 3 s „
rt t! .- "3
3 ft
a S,
§S'f»
28§
1«1
C jo a
6£
r.|S
Sa3
•a m o
S|l
o 73 a
ft1" .
I"3
2-8S
E"
IP
g33B2
.a
i
g«
a     8
a 2 £
a-5
-**H   W
■& ° „
u  H   B
B  S3
m 2 3
"BO
. co ft
282
W   -M    O
u uS
rt *-• rt
rt -fl-
A <m «
ail
.£■8
0 g   .
K £ «5
S   a
l||
If (J
■a «co
s's >.
aa 9
a  B rt
73 3 ft
- -I
13 fl v
rj end
82*8
& -a I
5 9 5 2
o .9 * a
0 co   - 2
J.-S&-3
3 a3 •>
•a u g3
So1  .°
1 ca » y
8 o I g,
9 fta
■" « *i *o
TiagS
5    I
| &»"7l _
,   ih. .—   aj —1
a a I,
rt a h B
P    - rt c
i* 3
» aj
53 * -S
3.3 & '5
« fe fl "
ft J> «
Itf
i   S3I3.B73
n     a    —        a
3 CO    fl     CO   ^   CU    Cfl
a     B B S! o —
i       ca a pt        - CJ
3 «-3 - ij rt 9
i    _2 u a a ca
°        9        rt  O        ^
h rt _ a a fl +h
*   3 ~ ^ n S ■S
I ihih
1 I^cjI
- a tl .a a °
3 &»»3 0«
3     aS«S  -.3
o o v CJ >,B
o       a  c —  co -h   M
2 g fl h     § a
«   O   «  <«   u  ™
^      ft "in !3 n u _
fl>    *.5 £> fl«
Its I", ill
H     CO  --    Q.T1 Eh    B*
h «   -    ... <u     a
= a a. 73 •§ E S a
3a|g?g!.9
K§ .:» cu £ .9
"TjEcoaaflO
3_g g «> « OJ53
3*J^.-£&u«>rtt
3 a a a b cj^nrt-
Ho33~o3a;
1-H     H    &      -rt.rti
^ 5 p a b o b
»5.S.'-2 ,1
h oj ca pa c a U
3 a c ..a w
h o *s v ♦, a b
h.b ft*a fi 2 ■"
j a S o rt a B
736°
a S eg
sXfi
2 & »
873*
.a 2
b a
•a ij
■fl "rt *3
« fl 9
ort
n  Cfl
fl   H   tT
•I ftl
co      rj
3 jm a
T?  -*    CJ
a o 2.
x o P
CU   J=!
- s si
35-°
.«.
U   Ih   rt
.8/*
u a u
at; cj ch
9 2 73 JJ
o y a 2 ;
u a •§ g !
« rt > t
13a .0
1 5 • « S
13 a ii ft
18   &
i * >> c
!  (h (fl  S "fl  fl  O   «
1 «   ^ d. <2 « o .fl
v,  U d  c  U
.fl pi     .5 'K
1  R
"rt      "3
1^*1
2*8
S3   .a
ft-a^
,sa
nsportation
falling air
limited to
company.
SSI*
TH    2    9  »*H
inlan
earthq
winds
ranee
sion
eto,
and
insu
3 S t< »
&3|3
0 n 73-,
fl   jj  O
T'a ' --.
£•5 - a
3    «    B    £,
mach
d, in
r dam
der a
xcluding
theft, an
age, wate
sured un
-!•>:■» 3
cn         tJ   CU  CO   co
knes
Diier
-ope
ler 1
as 1
[cnes
5
and
bile,
real
spri
rope
and
*o
8
.0   - .ff a   -
B E c»  v a  c
^j-
C
3 3 "a 83
rt    _«      w «
rt
rt
o3 >:t; ° 0
fi
0
BHfifi-ftB
S«ftg fl ft
ft
^5
3E         3
hH
1
a
o
Z
Ad"
55
6
U
W
a
I!
o
o
On
B -o
« a
>8
o°
. Uh
m o
°.a
CJ
55
3    et,
3< .
CJ   CU   fl
•a a co
333
a 3
•81
55S
.. rt
« \Ts
•S fl
|e
-'rt
d3o
"?«
JQ "cfl   «U
« « 3
SsJ'rt.o 8
^ • 8^9
« M o -h   r
«7iSS
p r* 3 .0 i-J
o
o
a
c-l
S55
a ^
3 «u
3     a
rt o rt fl
§S§o
rt       rt
55  55
 22
BRITISH COLUMBIA
Hli\
2 b.g&   i-a's
%'ar>^«i'P
ii.iss»aiiii«
■abE">;3aB733"3g
n-S|«&ft^S'".c-5>-08
rtuco--cu   .E"3So'a.g
R-3f8-aScaaoSB(-.
S*"8 Si ftflS 11 13js
oa i
i 73 a g
I B 9 a  -a
j 5 «
TjaS-=g'gSB.g3.gi'g
3fl|«laS1a63-5«^
.d Staa n-1! 75-r & 3 3 {j
2 'S "3 3 « fl   - a a «> u HB
-.S.B-'".1".-*!
crS.5«
„- g a «■ - g s1 S o B „ ."g
3aft&Sa7l3ftin8-S
OT3Baau3„ 3 jnS
ii" .73 a  -3 £ &
ftrtrt^cuanSu-n
73^.9 0-3*H|^«,:Sft
S S Z- 8 § 1 3 I S S o a |
a a« g a S_-a as « u 8
la«o5
P733
Iii
O   4)   £
w fl fl
Ih ft) .3
ft) JZ
ft u
1- ■
"a *« •
5 M2 S
ft « — fl
..-•C ""    -8
.2 '5 2    -S ^ S |
Hi si1!
rt _r      O B      *3  «
1 -s-a^c--.
I BS3|3|a
a c c-     b a—i *-
aaa9-H -fco
•a I   - a 8 g cj" i!?
„**   ft)   cfl ,—-   Ih   on"""
o   *|J31 rt-o
oC 2 ■£ fl ft
•r-ftjflft)     * S
"j- fa i-'-^O-fS rt
~ ** -o *- c .2      th
hr     - <4h    ft)   +->    Ih    ft)
SaS°.Ia2a
. 4i - o g.9 „-«>
w cfl a mh
c-» Ma g 3
335 « cb3 a
c3j.a ca "aa
E^^bTjTjv."
li&lctll&l
k fi* a fl S ft     e Si
" 8 3 'a a o -1. 3
~ ft ..2 . a « ua
iJa*:=o3„'gsg
ali-a3S-3§  .
O   ffl  CJ —   - o -
C    Ch    Ch    a    B   t    rt
a u a   .a S3   . _
8-a«3gapg73la"«
aaMo,o2a-oB*iSaa;
Bill*"*'8«f* 115:
a s<s*" g »73 g g~a oi !>:
a3 2n22"aS3a055
a
5 So ™ u S £ >■*•«
a mb 8 ca 34«-a o
a cl y o a
jo.      -r tu ca
cSc5oaS&Sa
<u-a       P «-; Pefl
a ft u ra 72 ft'53 m o
8c§^8&t1|s,
.Sirt   . EaS   .
tu tu tu
a .a a
e       is       a
73 a ^ rt a
a 5 & 3, ■
ill    tf
ft-i&g
>:SU £?«
-■a u o co
•55*' £
ft  ft) - ^
•••tl 3  m rt
■3 £ S b 2
c- a a ^
a       a:  -
8 »3  .1
a * i? o 5
g,3=ftft
11 " .-• I ■
w a v. S a o ■
S3 »»<§ g J ;
c-cfotj ft3':
3 3 3 -a - 3
l'a'2als'
* 2 3 » 8 3 -;
if 2 a j S 3 ,
a a3 3 a .
a   . a   . H
g cj - x> o -s
o.s a .2 a
a! S3 >.JJ S ¥
« > S -a >■   .
.a oj -a a u
a .as . t*
S a o 5 o «
t3 3 a 2.2 E
o 0 a -
rBis.
2»!,I3S'-S'"     a      -SS  •
fl.fl-^fl fi       —       u*^       rt
liflrttjgso-^S^     §     9SSS3
6.11^
■3 S " -a i,«
.3 °   -3 a
e3al3«
DO '
o ^1 8 a" ■§ *
S.BSn.il:
S5   5
•53
ft»
>>B
E-a
23
a ii
o 5*
o £
>
it
Ph
J >
>-l
di
d
.rtgig
3 "   .
£        H
b      h>'
4»       rt (S
ri       KO
-•   »s
ja0
cm O
oa
2a
fa
0)
M
5
o
a
O
a
9
3
6
u
Cfl
a
§
S
Sa
«    Ch
7- 2
2 «
«!.
55<
6    ^
Ph
73 S
3
og
ft) *S
3 rt »-
"C tu «
«.f-<55
X
55
o
U
i
55
3
fl
OJ
Z
55
ft)
%
6
U
I
CJ
a
a
Ch
I
55
a"
8
i *■
a" i
a     o
3     55
3 a
a &
ll!
N°    U    Ch
S)  rt
H    .2
55     55
o
a a
5«
S s"
9 o
■2 3
n a
2.3
ft)  fl
JD   ft)
(3 ft
^a
CU
UB-J
a
H cfl
r e
21
a s
2s w
e -
rt »
« H
CJ
ft
O
s:
&>.
o o ^ o .
U3«Ug
S'g|8^
^Q S3 «>
«3g|Z.
o       3
55        55
rt o
9 O
CO >-
rt ^
o s
« 1
3    a
M     H
111
. o
O o
u d
8 u
*^ V   0)     •
*j fc *H fl
ft) O M O  .
* 8 B a
o o
55 55
 REPORT OF THE SUPERINTENDENT OF INSURANCE,  1976
23
S.25
lis*
tu a __. c
ft rt a a
2 a
2 -E 3 E
la .3 °
— •o -3 <J
- b . - u
o *=  ? ft)
ft_2 — u
cflTJ-3 fl
SO  fl ci
'§  rt fl
Ih   BE 3
afia3-3
9 !2 c »
a a B I-
?'«*
3 -^^.
tu  rt Si .
S-.S&
8S-= a
S3.3 M
C -fl  u
■^•fl  <u «
C fl   > "3
ft       C
M  >. 3
■ to
fl    "•" —
O   cfl *v3
**h   **  *-• £
ft) O c
gflag
o O fl c
&&73»
. a Ch s-. M
3<E
.-h   ^ M ft -UJ
£   Sal
2tf»ia
2 3 -3 S *r
B M rt fl
O 3 « cu
ii tu o*a "O
8 S | "  o
. a n ° m
S - " cj-
g >.   . o a
Iffgg
"HP
tu cu"
.= a
B- -I
«=.
1
15
pj d '
>   >   >
u   u   u
d   d   d
hi
|a-I
dS>'
B
2
3
O
S
d
a   <
d   d
S     C-     S     Ch
3       3
«S 8*5 8
B
o
1  B
It
I
I
O
U
CO °
I u
a
M
TJ cm TJ   # a
gigflcu"
aOa O BS
OOO
i
a I u>
.•*! 9
03«
M rt    ..
JO a
3 co" a
02 9
r Mt-1
61 s
3aJ
u  . P
as"
aa   ■
3 s
S'-i.'5
*9g
3 Si
ooo
3 a
I 5
rt M
S f
1 *
i a
Is5'
3 tj a
a 8
E   S   >H
5 _> ft
a 3
U   MH
2 m a
<g O a
I     73
•B     O
o
U
o
O
ft)
3
*l
<
0,
Oh
a
-j
3    3
1    S
Q.    CO
 24
BRITISH COLUMBIA
e
o
W
O
z
a
5
co
Z
i
5
s
CO
CO
Ch
5
CO
s
(3 32  rt '•
•a;
7i i
a      i) "j ->H
■a |||   j°
«.§ *3    3 §
:S.5
. a
a, ft
Ih _ i
«2  rt
g-a
b6
ft)  c
Q.-S
5 a
.1
t. a
a     a
S"-H
b °
.SjS
i.9 tu
1 9
; 3 a
j  "M    Cfl
1  ~"   «
2«
> >*a   tu  rt
B c "ch
I   M ca  rt  g
1 R  .la
•2 a 3 a
73a 3
co a  .as
Soil        B
tu x a „r
ft"  £  Sco
2 « a-3 „
~ -^ _ ca £
cu rt ca cj TO
60 3   <U —   .
ca a* u .. r?
g a- tu tj
rt a co S a
73 S3.9 E
If      "an.
3 a ass a
1T     .73 "
,5iii3»
■- 9 " & o
B  »B  S
o a s ■
I2 & I
1 » M.9
ca a
CO
.9
**
(fl
c
.2
rt
cu
O
„
>»
•  £   a
1 2 £
!5 o ft
£ 0 ,
.ft.9 2
f O  B -
Jag
-§
; a *-» >. b ej
,8-gg ~
3     2 & Si S3
3^o-EEEg
3  ft)   n        t" « o
- rt -j -
ft)   ft)   2
S * 2
0-33-
o «.9
3  - tj.
"•S3
-a »h ■
a- o-
JJ  tu  >■
3 °-.2
8 j3 2
a ca ft
3 rt
.5  O E  fl
a o ca a
-■-a cu a
3 3-
~"  rt   O
CJ
tJ .
Ch    CO
OJ   ~
a 0
. ft
- *f       E  O J- ','
3 75 a 8 a .2 ■■
a b S   ,»,
j «j-=j-3 S&:
3 umutj j.1
* a a £ -a "
53 §»h  « 8 i
a o   .0,1
'.9  rt   O  J>        E
t 00 tj ft -a
cj - j.    a
ig o a a ^ J|
>• a 2 9 « " '
a  £  rt    . cj -u  '
lS B 8 I 2 !
,4 » ft-2 M a '
!   B   °  rt   M.S  1
3 a a t- .9     ,
j 3 o 5 g  -»
;«s 8^.2:
i m tu - °a !
.rt-S-Kf !
E"3  t!   B
3rt2-g
•■"■ tn rt .5
>. ft) ft)
cS   U U   H)
2 *a a «
E £? fl t
H tU a a)
hfi   D w   ft
a ca a
IP
rt a rt
- a-a
-h" * O
3 * 3
HI
0.5&
ftliJ
to a
73   .2
£ S3 ft
-73 2
a g 2
&     tu
3°
BBS
u a
~.2 u
'I™! o
2%»
33  'Sin
•a a  - a
a     a c-
2  ^ rt   3
9 Sa §
2 3 „--
3 ftjH 2
a o 2 a
I
Cfl
a
»8§
1 & 2
&»
W S rt 3
. a<-< a
J J       Uh
E a -j
o ft g
<j u-a
c*h a
as
33
Ph  h
a2
<£
>.g
Sa
20
rt
>
>
rt
hii
3
►j
Q
0
0
u
h!
b" <   0 ffi    d
S? -a
2   tu
-3 O        5
8 , S    -
a pet >   a
M 3 .a
2 h s a
" l-c
« <           Hi
a
O
a.
C*H  O
oa
SO
55 u
aK
18
o
u
o
O
S
c
rt
8
o
O
a*
- o
!!
K55
d d
OO S
«'   61 O
33 a-
33 I
h3 a
a73 «
P. B r
3 2 °
*   3  C-H        •
.2Z7lS
II a
Ph  Oh Ch
0
«
a
m
s
K
0
^
a
* 55      „•
or p      «
o o     „
3 3
T3
H
2 *,
<
3 •>
3  2
*
a §
u a
jS
3h
B    E Si
B S?
vide
vide
Cal
B 0
va
 REPORT OF THE SUPERINTENDENT OF INSURANCE,  1976
 26
3
-S
c
o
O
W
O
z
<
Pi
p
CO
Z
I—I
9
P4
W
Q
Z
3
Q
w
co
Z
w
u
HH
H-l
co
Pt,
1
P
CO
z
I—I
H
CO
tu"
3
4)
S
rt
a
9
CJ
a
Cfl
ft)
U
o
2
8
>
Ih
>.
■JO
3
a
BRITISH COLUMBIA
2i &
rt fl Ch
-.- O
ft K   ft
p  . a
C     Cfl
CJ   CJ
a-a 5
S 73 >,a
a fl a ~
o S2 t3 °     ch
"ftftS    "
3  E.I  8
•« i -a
o aa S
tu a rt c
u tia '3
S   -»
_ &ca
3   B   2
'IIIs
4) _  n *3    •
°3il|
ll
"ill's
5 ~ 2 « a
s CS a 2
a (7 a S 3
cu 2 a     to
a -a « ch-.B
cfl 3   _  *"
c o 3 a g
.2 9 -3" " 2
3 -»S * °
rt a - :>,
. .a   . o rt*
6 a *J ta .2
fi a 73 2 a
g S3 SSa
9 a a « E
3 3 8 * 3
a a -a
■* , tj CU
•I 31 9 3
»»„jj"
a
CO
rt 3 few
TiJJ a
•3 9
S^
ft.8
ll
23
c*-C CJ
on
2,3
I-a
u
+-••3
|8
a
w
a
H
ll
•3 o
& u
6
I
55 a
"h     a o
Co o
o      fl VJ
^■a
lags
•a 3 -a a
O
«>iS
£ -3
37-'-'
iy
> g >.
dz.l
S&71
|f 1
a£S
aas
aa 3
a a cj
CU   CU   O
W t/3 W
o
O
«
s
o
a
a
55
J
 REPORT OF THE SUPERINTENDENT OF INSURANCE,  1976
27
u a a
o 3 fl
a * 3
S^a
ft rt £
—H     CH     3
73 o to
Ms
-7i
.9       .   Ch
Ch    CU    U
.11
111
2 3 °
«a8
g-2 8
fta ti
cfl a 3
fl a "
a a.g
~3 «>
a   .3
83o
1111
b     a fl
«   -     fl
™   co    . o
2 o 9 °   •
a--§12|
O'SOlJ
"£??'£«"^
°    M °  Tl
"ft   U  TJ    S    fl
* & fl s s
w  S   ^  3  *
i- & fcT fl  fl
ft) —.  ft) *«   ft)
- cfl" 5 ■" rt
as   °73
lia&§
'S 2 I o e
8 3 | a«
„ aa «   .
.2 §5
Cfl    O VH
3 to o
fto u
■IS
1S1
*!*
•> g-g
2"* *
£ "a
B » o
■S B ft
is*
8 1
€ „-
•- rj.'
5 a
a «.
in
Ilji
ill;
3 3 «> -a
-       eft
TJ-^1 p !
I rt «
*fl o Si fl
! « "
a 2 3
3 » £
-* cm a
-H- 2 »
a .m c
e a a
2 »
S3B
J2 c >>
O 'C   Ch
'co a j>
co a
o a s
Ifl
a > (A
a) rt o
Hi
s^31
o   **a
"■fl SJ
aj  rt ^
ft CJ
"■OK"
£
■S3
l||a
M ft E &
.9-'c    Ih
a s ft S
a tu co a
a n   . o
W , m c.
K hi ll D,
tu  co -,
i- °°-S E
-H    CU   c>    CO
6 3s  S-. tU
.ft*5
tj"     -  tj  CM
a C &.,
■2j3~-2
J O  ft)   cfl
8»3«
'lo  -3 &
O £. E C
75.15 ft fi
& tu to ft
oft   .o
o to a
a ft .2 «
7173 3 9
OTtOw
gM2.0
i o 2 o* " 3 t-,
;  3«3a373 O
iS^slrtro
8 k'J ll |l
!§.**«? 8 "a?
• 1 «sg B. 2 73 -3
I ftS-S
y .m
i«
rt a
S3
-ii ft
0 cj
5 ft-a B
2 S-"2
1 s 1
ttf B *T a
B  O *  tu
cu co n a
a tu o
y a.!
3 s fty^S
O    M
ua
«'8" &8   .'a
tu
.*>
•3 a a
"73 J
frill B
fl ^3  « 3-1  c   b
o " fl rt .5 o
U .fl<<-lH     U
S i
Ill
cj  rt  tu ■—
rt    . ft    - 3
• -h +-• o a 2 -r
>>7a b a ta a c
I c 3 fta 1 S
go a      . ca
e Cj H rt a 'H '3
9 cu  2 B a tu u
8 » . § § 3 1
3
►JU,
a
I c » i a >," »• >,
;  -s S*Ba S
i«     *_j   - a a a
.S 9 a a a o ft
& « g E « a a
t <a,a o £ 8 8
i a, h™ 5 -a
^ O  tj co rt to t q)
i cri b   . zf a a
5 aa ^ — 3 tu a
'sssl .'Et§i
rill 111
i *s ^fl  rt Jh "O j-
ftfl 43    _ ft rt £
4>
.a
rfla
.2 co rt
■afit
w fl   »
ft) ft <u
^3 Eg t-6
e oo     o
" ftS
!3S
: e.S
- a^3 ^.
3&MS>;
■S | -s -s i
rt S Q .fl o
„ ft « «  y
a
H
5>
•as
«o
lo 8
>
I"
I
>   >
3    3
5
8
3
IK
O
a" g
I i
3   , ft
< o
o
o
O
.3
a,
0.73
a
H
a: i
a   o
J  I
<  s
§   tS
a      r
*   3
Sag
lw. 8
<•§<
u
4)   O
3 VJ
aS
-N
73
*>   .-
iJ-a
B *i
°3
U a
.        »      -H
au 9
CO W
3 a73
ill
'I   3
SI
so uo
I
H
3
3
B
B
tu
o
o
o
H
2    a
JB S
H. 8
a iS
I a
a i
73 73
s §
a a
2 a
§ I
a 2
h H
o
M
3
w
Ih
O
ft
 28
BRITISH COLUMBIA
O
z
$
5
tn
Z
M
a
a
H
O-
w
Q
Z
P
Q
W
co
Z
w
o
co
W
Pi
P
co
Z
I—I
H
co
l*-
' B  CU  „
o. -a s
SE
Hill
fl.   ft ft""   3
'*«
.5
3 i
3 S
B J?
o u" fr
i .2 8.5
** c-   tj
- d ., tu
g'gagrtftg-a
3   B
1 I
3 a 9 in ty in
S   . o u a ft a »   .2
-S Uortrtrt^^o,
«f32-J£0-3to
3 o
<j-h  rt
ftS
. cfl
M B
cj -B
O   oj
S a
-3S"3 «a
> a ft « >, Sf
g.  rt3„o   . i* t>- a a
.fl«Sj.5.."Oiu
a"-3 aca     a cu o aa»j
■ ""a * >,^ ft ■
'Hill
t »a >->,^;fts s »-|
_ So
1 j£?  .O'acuaST'a'-* S
fi K P.* ™ oa     in rt
J-h " B-|2 b E.5 3 S
3 g S? a S a 3 . »1 I
3 £ * a " S3 73 * ~ 3 3
;-i|li Hill
jStI ST, 3a! a 8 o
Hfth».?tuBa.>E
;      " -.-*»*■ a rt cu
HtJ-atH-H-Ha .fi     -     OJ
3P*(3L-<flSP<
h tj      aa a      a co co a
> 3 » O tj o   - c      fl a
iftfla>t^.a22"-,3
2-ai^a"S m^
. ftTa g      2   .a^ e ch
f    ** It! g tu-S oj o
3SS"g73|SS-§S
.S2§Srt«rtu2.i,
•<
9 °
ii
•St
a 2   t .2 a
A  4)  Ort £
.9 ."fl  3  «   3
rt   fl   fl   ™ r^
rt a*3 or
t   O «H — j
a o a -
a a u h -
« « 2 ca a
3 £ 8 3 a
-a a o 3
tu a « o a
2 « 3 -| »
« ?? £ g
4)  D " rt
O 3
a
3 *
o  ,
b"^
1 s g
 "ir s-3 3wa
o a n &    2 a1"
ej a uh
i JJ o S 6a
i b ■a a ■- tu
a a       - - -
tutu      t>ttu*-Htj>.jj,
--"cja^cu
„-3
-  Ih _E    rt
B ft&|5
o 2 73 O tn"
3 1 * § S
2   Ch'3   U   O
a § a a a
2 5 = a I
3 toa c w
rt tu | rt „
« j 1 a S3
rt  C-,    B     CJ    Cfl
«« -3 ft
a ca >. rt 3*
S M -P fl fl
m rt
.fl ^ fl ti S 4) « fl o rfl c
fll9w«ssps^^
fl  fl 5    ,u«*H-^i3    ^fl   oi
:»s
ft) a) ft)
.&.3>
a.2 s °
81 •> a
*h 3    5?73
B a  «  rt
a    t3
3 3r'-i5
■— a cu a
a"    5 §
o „- S
't3 73   .a
£a u £
73.3 m §
8 iSrt.5
- cu   U ■
C?^ ^ . o
u .2 ii 3 o
a « a. u
a   - g j^ u
73 >. n "K c
ca tj* ft cj a
6 a"&3
.. C1 «f tj  to
n 2 cu ft B
I u|o£
S £ > i °
£ .o»ss
wto"aa 2 S
in —      *- a E
a -21! «H s ja
9 »« O 31
» 3 - c £ o
:a ft - 2     ^
mil
O   ft)  *n        -E ^3
■w  c«*h  <s *3 -r!
S o 23 § 3
A^ ^ - ^«
ft)   rt       —.Cfl
2g?sS.S
U    w  .3  .fl    fl"   Ih
<->    I-  £    fl    C    «
«  OJ ^ .fl   O  ft
fc   ft«M   ^H    O
"3&
fl  cu ft
&i
oj ft)
o n
is
is
- u
fl w
rt u
■I
55
<i) ■»
A a)
fl   H
n
♦3
cd
S
*c
^
i
o
ft
"d
rt
I
fl *o
«
c
u
0)
Ih
ft)
c
fl
IS
8
3
Eg
re
TJ
ft)
Ih
0)
M
O
«*H
«
TO
3
-fl M
■^ rt
- D
17
C   ft)
C
Cfl
«
c ^
C
.£
u
|j
*B9
o
ft
R
>i
ft
Ih
ft)
ft
t
o
ft
o
1-
ft
«
T3
fl
ft
1
a*
a)
.5
rt
p-
S
u
CO
a)
fl
1)
fl
B
rt
^
*o
CJ
tJJj
"oij
rt
ft)
.5
D.
o
3
w
58
.r-       U
Tj
"E
fc
3
K
0)
>^
'ra
.6
^^
fl
a)
c
0
a
.
a
o
a
O
Lh
a
o
-o
a
b
■a >•
3
o
£
ca
fl
o
Ih
ft
'3
to
1
ft) fl
-fl   rt
It
• a u
HH-3    ^"S
„ — n fl-.
rt «o m M"
. rt *3  bj
<d fl
TJ O
"Tl '&
3   O*   C   »
« c   „ o ^
«Ill's
?E§|S
s -S i 1 s
^r a tu rt £
Ct        u- B
^ o 0" 3 —
S ft S ja tu
rj yi cu a *h
"Sag""
.c a f o
HS
^ a
1 I
(0
3
Ch
3
N
tu
a
6
U
z   "3
c-i
.
3
3
3
t2        3
3
3
'3
1  a
3
nderwr
Ind.
nigard
2
fl
o
3
Ph
c
o
3
O    0
0
0
9
<
SO
,tU    CO
3s
ecu
« TJ
2S
103 £"
o
0    OO
3    3
0    O
 REPORT OF THE SUPERINTENDENT OF INSURANCE,  1976
29
s-9 i,
fl fl Jr
H      So
- _r      «
c P«o c
2 b fl S
•O  O  rt fl
rt tf    .g
l- T3   ft)   C
O   fl   O0'rt
Smi
Ih £ X) ^.
■a a
B~3S
ro   Ih   ft) T3
Ih    ft)    >    p
rt "3       3
3 73 >.
60 .fl fl -a
e.y « «
O   tfl fl
•p.fc'S «
S<   ft)   Ih   ft
tu a" 2
. o a a
c- a « ^
fl , oo e
°3.g |
a£3S
<j .3 o
a co    a
a co   * ♦*
£■573 o
""tj"
fl ft fi o
8g|a
ta        S |
C "rt S .— *
•3g;S|
a     o .-.
-3
C      Ih
3 «
a bo
fc   c
9 3
a a p.
Eft 8
.3 e rt
I—     C     IH
i*Z
u.  tu fl
o a  a
£*.£
B   O
3 2<h
£ fl 4)
c .a o
«  It fl
0)  p rt
-■o S
o c S
<u
3 «? S 3     bo;
»
4)
0
0)
0)
■c
c
a
c
^
Ih
" S S3-9 S
b" -," £ tu
b"3
3 n
a g
!   . O o
'  tU  s^*r
Irtll
Eo °
r rt fl.
ft)    Ih    ft)
ro-a C
.Ml
l   . 3 a
i a-ag
a 5
a
b rt u.
5 So
2* >t
3 »3
a a o
3 8 a
•   .*° L,
a a  ch  cj
•aa«g
5J      *3
ft) a> a)
a I
a. **
£s «
0- C >.
rt fl, ft)
ft)   en fl.
Uh   rt   tn   fl      _ cfl   hr
- - g
I fl*   C TJ
y.    «
C/]     M
ft)    ft
3 rt.y a)
4) •--   O '3) .C   P
2 « *     £ a
■o,-
X   Cfl
p   ID
rt fl
l| >.
3 &r b
?        «> SI
u'fto
3 2*
C ft   .
.ll
ifl rt o
Jig
..So
.■a*- o
o
rt  >. 4>
■3*3
• Ol-i
>» rt o
1-8
ft'5 3
73*1
o *r
rt e
S.BS&
a a *a 3
rt  rt fl ft
f-a 1
O     -    . O
8§o^
Ch    O"  cfl   *-
a 3 <a
a t-3 °
82*8
-S sl |
-T £     - «
A    ft)    Vh    fl
o fl u -A
"III
o ts * a
-a   - ^
u e a rt
sfJa
.2   «   D   3
h       rt a)
5 ft 3 3
ft 5? 3   cfl
.. fl
id «
ft)  rt
•8 oi
i M.a . §,
■g fl D tfl
4> g   „ o
*o cu >>,
"Tt   OC J?
O w rt .3
la it
3 '"■a
rt  fl ^  -
c  rt  ro TJ
5   .i* |
ooil   -
»H     fl)    ft)   T)
Ilt7?£
a     i! 3
3&2.S
v¥i-»i
ft a) ,w
|l|a
fl       «  ft)    Ih
fl    Cfl    U    &
2,2 !c u
g   OO ft)   fl
o     •*■ «
a rt a «
a >J ft o
I Pa
£a
UH    H
333*
-ftga
e a a 2
.2 cfl" 73 a
CO     Cfl   HH
O   tu
jOSBcfl
2d £2
g 2 Sa
5 £ ft b
io .a o ■E
3 a a*
£ h    3
fl    —i    O    1> CD
?fl^l sfl
fl    Ih      ><U   -fi    «
fiH      ft)  fl   73    w
ofl c
'cn ."
fl  «;
^~- s" ft) fl
a 3 >.■«
B   ft^°
... <u P 3
2h2
fl
Co e
B-ofl
ft « a
« .3 fl
ft o s
Eo ft
^  rt O
rt "- "
ft
£ a
■o 8 4)
alii
w '"fl B
H *r?  fl "3
•D ft rt a>
- ft) i)
ft)    ft   Ih
a o « 53
■° fl £.3
fl TJ   fl   ft)
Sa.2*
a to -3 a
cj a g
^ a rt ta
a
itiii5^lai
Eg   rtSji      artgS
ft a 2
is"
Hi!
rt  O C
{fl ft)
«     - W tS
fl  g  ft rt
£3   0 ft)
K 5 o" >
-°-2 §   I
4>  ft'G   4>
3SSS
0 -    1
*-* a)    . rt
a-^-H-0
u 2 2 m
a as a
9a Sl
. rt a  .
i>"   .tf •
8 U.-B 8 S
a, a 2 6 s
1 oS u--g
8ag».-.
^3"S'7.'H
.> 5    ii a
o 3 B g S
2 8 3 V H
g.,3&«
Si" ft
2 £
8 »3
a — e
a aa
M ch a
. - E
&CO
2  E
2,3 8
00 00 ft)
fl u
£ £ ©
-. *S Tj
t1u8
MS.S
60 O tfl
|ft|
fl    Cfl   ft)
-2 B-S
» a a
3 u
8 2 tu"
- co   0JJ
cu tu rt
.§ & 9
I .*
lis
rt rt  rt
fe ft*f
33  fl   S
O  « fl
£
I
Bh
c ^3
tj a
co" rt
«a S « g
a o o e cfl
* 23-H S
•" rt 73.2 a
o   . > to
tU CU
a **-
-^   Ih"
b rt 2
B g*
£?g 2
a     8
"rt 9 ^3
.2 o tj
a 2 «
rflrf
•fl     - ft)
« C fl
Sg*3
ft) ft-w
^ ifl rt
3   fl
fl
"3!
Is",
gas o
A fl fl >,
-7l *|?
§ 9 2
g 3
S «•.
SJhU
O  >. •>
aa   .
.^ ;-»
2 u I-
3 a a
o B o
E'3a
5 2 "
a a tu
2 *■ &731
3T
Al
oft*
3 R.2
a .a w
~§a£
.a B
E  «J
—   «?
" 3 a ch
o B tu £
a'S >a
e ft^,5
8 "jo3
B   5   ft ;
a u :
B   ft c
a o j
• r -c
tu o g
-S3
• SS.
•«, eu a .
a aa '
£ 93
a a 74
a
-a"2 c
b 2 « S
■a    3-2
3  cu*       co
cu o ^a
tu J3 jj-c B
. a cu pt
tu
o ,fl a
3 rt
nE B
4J fl
1*H    •—I
Si s"
cj a H
a a o
"    CU   tfl
•  .a a
a 9 a
B 3 ':"
3s *
a   .
oil *J
fl   «
fl
o «S fi
-   (J    Cfl   fl
■°3la
B c rt E
si 1 8 a
Ij
E
a w tu a
•3312
CU   "
si-3
B   w
§3
1.2  3
fl    »-    ft
ft     -.
X   ^ ft)
ft)    Ih    fl
H ft3
a   cn  i
a "! ■
o 3 ,
fi s
! fl E
.fl rt
H 9
H 2     *f  --
e »       fl*
■Q 00      "9  9
rt ,
e= °
a 8
ft
Uh
Q
8
>
i-i
w
H
71
s
fe
*       H
O    S5
l>    8
3.0
5 >,      to
2 °
5 2     5
^ a     '3
Cfl" If       to
= 3,1,
«   .«B
. PL,  >    •
U   .     O
^       H
tj
S5
•a
Uh
E-
tu
a
73
Ih
ft)
I
t)
Ih       •
E>-
3
5
8
o
U
a
H
c^
6    a
n
U        B
o
M-
3     H
U
2     o
3
O
3   °
5
3    1
3       "
>
3   B  £
o
S|E
U
<
s
fe pi
1 !
rt J^J
X ff
,u"M
pg
r 5o
O cj
UBS
3   O
So
Cfl
C   C
O    0)
ft)   o
C7
>"
P.
M
73
U
d
U
 30
BRITISH COLUMBIA
<
W
o
z
$
5
Vi
Z
r-*
«
X
h
n,
w
5
z
P
p
«
co
g
co
BJ
P-J
P
CO
Z
s
H
CO
ft)
fl
73
E
O
Cfl
ailing
mited
pany.
„
B-"a g
Cfl
ft.,- - °
rt
.1 gu
B ^ 5 O
w
4)
O   3 O j-
a a co *-
fl
a a a *.
ft
t£.S«
Ih
ft)
2 2 5 "
ft W •*  cj
e   -a 9
8  O B  2
a
fi B  M  3
c
Ih
ft
a S S3
rt
fl
3 o Sa
o
J* 73
°J tu tj" >,
ft)
Ih
OJ
ft
c
C rt rt 3
flHM0
ft)
M
u
o
Cfl
ft)
913ft
u
>
.Ci o
fl
>, rt a a
S
c"
Ch       a-  b
*4
0
£ cj tu a
5
£ a m cu
*"■ *j a -,
<H
rt
4)
6
8
P
Ih
O
ft
CO
C
rt
..•9a
a to tu 3
a tu —' h
2   C   Ih   cO
a
l 2 3 S5
.'781 B
a
•^
•M
TJ
B    .-C fc
o
M
1
o b at.
CO    Ih     CO    CU
3
6
3,
o cu   .a
aftJS 2
d 2. ft
CJ
&3 2
00
c,'h   ii   E
uj rt > a
.8
7?8fe.!   .
CU
■a
„. | tj»§
a
rt
ft)
3 7i ft °7u
.51      9 <"-co
b a a   . a a
S ajJa 5 a
2   . a 73 a. a
cfl +h   a s -
C
ft)
T)
as.-     h u
51111*2
tci
3
Ih
ij
rt
tu
1 a 1111
rt    . ft fl £ TJ
fl
.5               o
S
£
Ph                 <
Ih
3
ft)
O
a
Ih
>
CJ
ft)
3
fl                            Ih
>
O
fl                            ft)
•3S
3
O
C
>              a
rt
o
<3
>
>
tu"
2                  <J
3j                      fl
•s         |
4)                    i>
U.2
cu
0)
■o
ca
E3
6
rt
a
cu
**   3
op
<!
ft)
z
Ph
Ph
CU
0
W           m
ft)"
T)
£
M
o
H
c
C
Ih
ft)
Ih
3
Cfl
fl
UH    CJ
3
d
to"
(3
TJ
3
a
1
o
fl
o
Ih
8
0(fi
I "8
Z tu
c
73
Ih
ft)
6
0
ta
C
co                rt
1        "8
*       i
aM
« E
c
ft)
0
ft)
. c
fi b
fl!                       «M
,o               o
3                      6
•pa
tu
Ih
«8
3 rt
N               U
a
a
a)
c
3*
d             a
U             «
<
rt
S3 o
u
S
o rt
C    M                          Vh
23         3
ft^1                    M
TJ
2a
rt fl               fl
~»    i>                            CJ
o
'iH                               *1h
P*
rt
3
N
3
 REPORT OF THE SUPERINTENDENT OF INSURANCE,  1976
31
<
8
z
p
Vi
2
w
3
z
p
a
w
co
O
I
0
o
co
W
z
w
CQ
§
E
p.
ft,
o
h
co
I O
IE
9UH
§•2
+3  ci
&  fl
n  rt
k v.
rt   B
•a
3
a
i-3    S
•w    f 3    £
5   «•
b a 9  •
-- a a n
a o g ■?
a ca a a
1 3 oa
a slg"
8 ft Sa
3 a S 3
o. a ft 5
co
tu oj tu"
a aa
d h-ll-l
*- a
o 3
8 a
3 —
cj  cj
<-9
■8 a
.as
&
o
CJ
3
<
rt o
«
S P
fl
■J 53
rt m
-2  G
TJ
ft)
■a
*S o
cn CJ
fl    -
o
o 3
fl
C   rt
■fl o
c
o o
X
ft s
o 'a
ft)
C   0
fl
o
U71
cn
«a
ft)
|
>* >.
-flfl
■3 Tj
rt
.a .a
c
Cfl
ft)
o
C
0
Cfl
8
3
>>
C
rt
O
fl
Cfl
C
co
o
•o
ft)
.a
1
3
fl
0
fl
o
-n
*fl
O
ti      4)
Ant:
fl 3
■a rt
o fl
ca fi.
u ft)
1 s
.a   .a
CH Ih
a     cj
1  .a
i « —
B=  Q
3    c
CJ   tU U
3 J   3
rt  co cj cu
o   £  » "
2 32
3 33
3
o
.2    3
|    5
8 g S
3 If
cj -V   ft)
§•&£
rt TJ *■*
fl S 2
o rt *»
CJ . F
¥* rf fl
ft)    fl    fl
ft O  ft)
7« TJ
3   <
•3S
<3
Ii
2D
■a
c
II
83
8U
^ rt"
•a a
• . oa ta
w a .o-
w   ft)
D   >
>%
fe  °
O   rt
ciS
.2 u
1> .2
4 o
cu rr:
rt H
R <
pi 0
s   a
^ *■«
73     ?
g j.3"
H > M
tu 3 cu
S87i
a >,
2 a
a a
«    X    <    K    X
oa
§6
la
Z tu
ca
fc
ca .2 rt
^£™
&££
.--? . cd
rt o cj
u.5 8
e ,|
O   cfl   cn
fl  j-j   cn
■Si-!«;
& <u Q
HjS
B .2
ca  » 3
fl    Cfl     J
8Ss
a a
5 a
B    .
o a
•o cu
*0B
873
is
TJ aj
S3
\x
* TJ  fl
. rt ■<
<u-£
> o
rt  £
& „
23
A cu
. B
Cfl   CU
am
WIII^Tifsfl
00    I.
•2a 8
cfl   C
cfl   rt
-    Ih    C
a 8 a
o a a
2  "
a 8   3   «
OO    ft    o
- fl<
3 O •
a „ 1
' ftoasli
cu     op -^
3   51
ft)        .5
ft) rS
2     .   <»
Sfj
935
cn a o
. u a 7
•S^ b
a *—
a o
au
-• Ui
E
O
in
73
M uh
UH   W    CU    CO
o a E «
.OS*
co .--   w
a* .
5 sf I
5';
.2 3 8
o o —
e"a 0 9
,    °    Ch  « S
-r 11 11
JOjift
3     o
 32
BRITISH COLUMBIA
nu
8 2
8
I
Pi
In* c«*
ty
ft) ft)
58
^)
8^
>3
82
•fl   d
0
rt
CO
Z
w
o
u fl
1—1
W  «
,—N
fl    CJ
H
rt a
S3
<
H   fl
Vi
w>
aa
a
|E.E>;
aa* .
a . co a
a o-a a
* oo a a.
2 3-3
§ S3
a    33
U     _1Bh
U cu
 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1976
33
Annual Statements of Provincial Licensees
THE BRITISH COLUMBIA INSURANCE COMPANY
Head Office—Vancouver, B.C.
Date of incorporation, February 1904, R.S.B.C. 1904, chapter 57; amended,
March 29,  1934, chapter 70; amended, April  11,  1946; R.S.B.C.   1946,
chapter 81.
Date commenced business, 1948
Officers
R. L. Moore, President
L. H. Goodhill, Secretary
R. L. Moore
K. B. Mossop
Directors
J. L. Woodley
Auditors
Thorne, Riddell & Company, Chartered Accountants
R. R. M. Morgan
W. H. K. Edmonds
Statement for the Year Ended December 31,
Capital Stock
1976
Number
Authorized    80,000
Subscribed     44,389
Paid in cash  44,307
Or stock dividend  82
Total authorized 	
Total subscribed	
Total paid in cash or stock dividend
Contributions to surplus 	
Unpaid calls	
Common
Par
Amount
$ $
5       400,000
221,945
110,768
410
Preferred
Par
Value
Number
20,000 5
Amount
$
100,000
$
500,000
221,945
111,178
Nil
Nil
Assets
In
Canada
Short-term deposits and money-market securities  	
Bonds      50,036
Summary of investments
Cash 	
Investment income due or accrued
Amounts owing by reinsurers	
Other assets 	
Gross assets	
Deduct—assets not admitted
Total assets admitted	
50,036
258
356
5,232
55,882
55,882
Out of
Canada
199,727
199,727
7,499
80,688
287,914
287,914
Total
$
199,727
50,036
249,763
258
356
7,499
85,920
343,796
343,796
 34
Expenses due and accrued .
Provision for income taxes
Total liabilities _.
Capital stock paid	
Surplus retained earnings
BRITISH COLUMBIA
Liabilities
In
Canada
7,915
7,915
Reserves and Equity
Total liabilities, capital, and surplus
500
47,467
55,882
Out of
Canada
911
911
110,678
176,325
287,914
Total
$
7,915
911
8,826
111,178
223,792
343,796
Profit and Loss Account
Unearned premium and additional policy reserve
ment
adjust-
6
6
Net premiums earned	
Net losses incurred, including adjusting expenses
6
	
6
Subtotals                                	
6
6
Commissions and allowances	
General expenses  	
10,171
2,578
12,749
Underwriting profit or (loss)    	
Investment income     - -      -     	
Other income and expenditure
10,165
4,050
2,575
2,400
33,746
12,743
1,650
33,746
Net profit or (loss) before income taxes
6,115
5,232
38,724
911
44,839
Income taxes
4,321
count
Net profit or (loss)      	
883
39,635
40,518
Surplus Ac
Net loss                                 	
Decreases
$
40,518
$
40,518
264,310
Increases
$
Totals   -    -   	
40,518
Nil
Net (decrease)                                -          _
Earned surplus at beginning of year	
Earned surplus at end of year
223,792
Balance at beginning of year    .   	
Paid in during the year       .
Capital
111,178
Nil
Contributed
Surplus
Nil
Nit
Balance at the end of the year	
111,178
Nil
Statements of Provincial companies are checked and are amended, if necessary, and are
published in this Report subject to inspection.
 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1976
B.C.A.A. INSURANCE COMPANY
Head Office—Vancouver, B.C.
Date of incorporation proclaimed, December 1969.
Date commenced business, January 1, 1970.
35
Officers
W. A. McKinley, President
H. N. Crompton, Senior Vice-President
R. J. Bower, Vice-President
E. C. Sweeney, Vice-President
Peter Wing, Vice-President
D. W. Bird, Secretary
P. A. Chestnutt, Assistant Secretary
R. J. Leakey, General Manager and
Assistant Secretary
A. C. Dolden, Controller
H. Assman
G. R. Bengough
R. J. Bower
D. C. Barkman
H. N. Crompton
R. K. Gervin
R. J. Hastings
Directors
T. E. Lougheed
W. A. McKinley
J. J. Brown
F. J. Ney
G. C. Parrott
F. R. Paxton
P. J. Godfrey
A. R. D. Robertson
Hon. J. G. Ruttan
C. A. Simpkins
E. C. Sweeney
K. P. Weaver
H. D. Wilson
P. Wing
Auditors
McAfee, Lilly & Co., Chartered Accountants
Statement for the Year Ended December 31, 1976
Capital Stock
Capital stock authorized—
Amount	
Number of shares .
Par value	
Capital stock issued and outstanding-
At beginning of year	
During year 	
Redemptions	
Number of
Shares
9,853
Nil
2,500
Amount
Subscribed for
985,300
Nil
250,000
Total capital stock at end of year       7,353
735,300
Premium on Capital Stock
Total amount paid as premium on capital stock at beginning of year .
Total amount redeemed during the year	
Total paid to December 31, 1976
Unpaid calls, Nil.
$1,750,000
17,500
$100
Amount Paid
in Cash
$
985,300
Nil
250,000
735,300
$
985,000
250,000
735,000
Assets
Short-term deposits and money-market securities —
Bonds  	
Stocks 	
Summary of investments (subtotal)
300,000
2,918,786
254,328
3,473,114
 36
BRITISH COLUMBIA
Cash  	
Investment income due or accrued	
Amounts due from agents and brokers
Amounts owing by reinsurers	
Other assets 	
Gross assets 	
Deduct—assets not admitted .
Total assets admitted
470,062
61,337
153,578
76,402
99,527
4,334,020
99,527
4,234,493
Liabilities
Unearned premiums extended at 100 per cent
512,171
Provision for unpaid claims and adjustment expenses   1,755,235
Bank overdraft and loans	
Amounts owing to reinsurers
Expenses due and accrued _
Provision for income tax 	
Customers' deposits 	
133,832
2,740
116,371
151,194
9,906
Total liabilities     2,681,449
Reserves and Equity
Capital and surplus—
Capital stock paid j T  735,300
Surplus contributed   735,000
Surplus retained earnings   82,744
Total liabilities, capital, and surplus
4,234,943
Profit and Loss Account
Net premiums written 	
Unearned premium and additional policy reserve adjustment
Net premium earned 	
Net losses incurred including adjusting expenses	
Subtotal 	
Commissions and allowances
General expenses 	
Underwriting loss
Investment income 	
Other income 	
Net profit before income taxes
Income taxes	
1,685,876
227,084
1,458,792
579,867
878,925
406,817
494,682
22,574
323,924
4,931
306,281
132,704
Net profit    L-H-LllL^L: .-. ...__:   173,577
 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1976
37
Retained Earnings, Capital and Surplus
Decreases
Net profit
Changes in unadmitted ledger assets
Adjustment of prior years' taxes and acquisition costs  122,414
Totals
Net increase	
122,414
Earned surplus at beginning of year __.
Earned surplus at end of year
Balance at beginning of year
Redemption of capital	
Balance at end of year  :..... ,__ ,  735,300
$
Increases
$
173,577
381,813
432,976
350,232
555,390
82,744
Capital
985,300
250,000
Contributed
Surplus
985,000
250,000
735,300
735,000
Returns for British Columbia
(Seepage 57)
Statements of Provincial companies are checked and are amended, if necessary, and are
published in this Report subject to inspection. ,  ,
 38 BRITISH COLUMBIA
THE MUTUAL FIRE INSURANCE COMPANY OF BRITISH COLUMBIA
Head Office—Vancouver, B.C.
Date of incorporation, 1902       Date commenced business, 1902
Officers
H. S. Berry, President H. Bose, Treasurer
W. M. Page, Vice-President E. T. Holtby, Manager, Secretary
Directors
H. S. Berry Harry Bose Robert Bridge
Thomas J. Erskine lohn M. Kirkness W. M. Page
K. B. McKechnie J. Clarke Cherry Gordon Park
Les Gilmore Thomas A. Menzies G. J. Hurford
Auditors
Peat, Marwick, Mitchell & Company, Chartered Accountants
Statement for the Year Ended December 31, 1976
Guaranteed Stock
Nil
Assets
Investments— $
Bonds   134,555
Subsidiaries, associates, and affiliates      4,602
Summary of investments  139,157
Cash     15,053
Investment income due or accrued       4,013
Instalment premiums receivable    34,026
Amounts owing by reinsurers     10,989
Other assets      2,564
Gross assets  205,802
Deduct—assets not admitted     10,724
Total assets admitted   195,078
Liabilities
Unearned premiums extended at 100 per cent  97,344
Provision for unpaid claims and adjustment expenses  3,625
Bank overdraft and loans    20,000
Amounts owing to reinsurers  36,838
Other liabilities  9,861
Total liabilities   167,668
Reserves and Equity
General as required by section 26  40,000
Surplus (deficit)   12,590
Total liabilities   195,078
 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1976
Profit and Loss Account
Net premium written	
Unearned premium and additional policy reserve adjustment.
Net premium earned
Net losses incurred including adjustment expenses
Subtotal 	
Commissions and allowances
General expenses	
Underwriting profit or (loss)
Investment income 	
Other income and expenditure
Net profit or (loss) before income taxes
Income taxes	
Net profit or (loss)
39
$
98,945
21,112
120,057
64,863
55,194
16,112
59,230
20,148
7,562
1,200
11,386
11,386
Net loss 	
Changes in unadmitted ledger assets
Totals 	
Statement of Retained Earnings, Capital, and Surplus
Decreases
$
    11,386
11,386
Net increase or (decrease) 	
Earned surplus at beginning of year .
Earned surplus at end of year .
5,341
7,249
12,590
Increases
$
6,045
6,045
Schedule A
Test With Respect to Required Minimum Assets
Total liabilities	
Unearned premium adjustment to 100 per cent
A equals 	
115 per cent of A	
Total minimum assets required
Admitted assets 	
Less deduction to reduce bonds to market
Deficiency 	
167,668
Nil
167,668
192,818
195,078
13,426
192,818
181,652
11,166
Returns for British Columbia
(Seepage 58)
Statements of Provincial companies are checked and are amended, if necessary, and are
published in this Report subject to inspection.
 40 BRITISH COLUMBIA
PACIFIC COAST FISHERMEN'S MUTUAL MARINE INSURANCE COMPANY
Head Office—Vancouver, B.C.
-
Date of incorporation, March 28, 1945        Date commenced business, June 11, 1945
Officers
Morgan Berg, Honorary President Glen Martinolich, Vice-President
Olav Moan, President Arne Sorbo, Secretary-Manager
S. Myhre, Treasurer, Assistant Manager
Morgan Berg
Lawrence Haines
Glen Martinolich
Joseph MacLeod
Tero Paavola
Hubert Poschmann
Stan Sorensen
Robert Wootton
Directors
Don Anderson
Frank Dujmovich
Gordon Edwards
Olav Moan
Lincoln McElhinney
Conrad Plensky
Ralph Wick
Robert Emerson
Walter Emerson
Vince Fiamengo
Lars Iversen
Robert Nakashima
Jack Prince
David Stevens
Auditors
Campbell, Sharp, Nash & Field, Chartered Accountants
Statement for the Year Ended December 31, 1976
Guarantee Stock
Authorized—■
Amount	
Number of shares
Par value 	
Guarantee stock subscribed and paid at end of year (number of shares)
Amount of guarantee stock subscribed and paid at end of year	
Contributions to surplus 	
Unpaid calls 	
Assets
$25,000
2,500
$10 each
1,899
$18,990
Nil
Nil
Investments— $
Short-term deposits and money-market securities    477,441
Bonds     2,895,453
Mortgage loans and sales agreements    1,180,309
Secured loans    100,000
Subsidiaries, associates, and affiliates  113,733
Summary of investments  4,766,936
        156,009
 :        80,962
      321,147
       46,620
        13,900
Cash
Investment income due or accrued
Installment premiums receivable ._
Amounts owing by reinsurers	
Other assets   	
Gross assets	
Deduct—assets not admitted
Total assets admitted 	
5,385,574
177,858
5,207,716
 REPORT OF THE SUPERINTENDENT OF INSURANCE,  1976
4!
Liabilities $
Unearned premium extended at 100 per cent  1,669,267
Provision for unpaid claims and adjustment expenses  254,000
Bank overdraft and loans   136,188
Members credit balances .  39,383
Amount owing to reinsurers  135,862
Expenses due and accrued    4,000
Total liabilities
2,238,700
Reserves and Equity
Reserves—General       981,564
Capital and surplus—
Guarantee stock paid        20,290
Surplus retained earnings  1,967,162
Total liabilities, capital, and surplus
5,207,716
Profit and Loss Account
Net premiums written   3,309,335
Unearned premiums and additional policy reserve adjustment      430,357
Net premiums earned
2,878,978
Net losses incurred including adjusting expenses      860,207
Subtotal
General expenses
Underwriting profit
2,018,771
237,038
1,781,733
Investment income      393,217
Other income and expenditure .       46,193
Net profit before income taxes
Income taxes 	
Net profit
2,128,757
2,128,757
Net profit 	
Changes in unadmitted ledger assets .
Patronage refund paid 	
Statement oj Retained Earnings, Capital, and Surplus
Decreases
$
2,030,464
Totals     2,03 0,464
Net increase 	
Earned surplus at beginning of year
Earned surplus at end of year
322,944
1,704,218
2,027,152
Increases
$
2,128,757
224,651
2,353,408
Capital
Balance at beginning of year   18,990
Paid in during year      1,300
Balance at the end of the year
20,290
Contributed
Surplus
Nil
Nil
Nil
Returns for British Columbia
(See page 71)
Statements of Provincial companies are checked and are amended, if necessary, and are
published in this Report subject to inspection.
 42
BRITISH COLUMBIA
ROBERTS MUTUAL FIRE INSURANCE COMPANY
Head Office—-Clearbrook, B.C.
Date of incorporation, 1948.       Date commenced business, 1948.
Officers
H. H. Pauls, President
John P. Martens, Vice-President
H. H. Pauls
Jacob P. Rahn
John Spenst
George Fast
Directors
John P. Martens
A. D. Schmidt
Aaron J. Jantzen
C. H. Hiebert
Peter Wiens, Secretary
J. Derksen, Office Manager
Peter Wiens
J. J. Esau
J. J. Warkentin
Auditors
Ernst and Ernst, Chartered Accountants
Statement for the Year Ended December 31, 1976
Assets
Short-term deposits and money-market securities _
Bonds  	
Summary of investments
Cash 	
Investment income due or accrued
Instalment premiums receivable —
Amounts due from agents and brokers
Other assets	
Gross assets	
Deduct—assets not admitted
Total assets admitted	
$
33,000
4,000
37,000
3,678
1,776
8,423
5,877
5,422
62,176
5,508
56,668
Liabilities
Unearned premiums extended at 100 per cent
Expenses due and accrued	
Provision for income tax	
Total liabilities
Reserves and Equity
18,848
1,274
1,565
21,687
15,500
Reserves—General 	
Capital and surplus—Surplus retained earnings     19,481
Total liabilities, capital, and surplus    56,668
 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1976
Profit and Loss Account
43
$
Net premiums written  16,239
Unearned premium and additional policy reserve adjustment  6,804
Net premiums earned  9,435
Net losses incurred including adjusting expenses  150
Subtotal   9,285
Commissions and allowances  838
General expenses   7,915
Underwriting profit  532
Investment income   3,375
Other income and expenditure  1,891
Net profit before income taxes    5,798
Income taxes  1,565
Net profit  4,233
Surplus Account
Net nrofit	
Decreases
$
1,991
1,991
$
2,242
17,239
Increases
$
4,233
Changes in unadmitted ledger assets	
Totals 	
1,991
lumbia
4,233
Net increase 	
Earned surplus at beginning of year	
Earned surplus at end of year 	
19,481
British Co
page 59)
Returns for
(See
Statements of Provincial companies are checked and are amended, if necessary, and are
published in this Report subject to inspection.
 44
BRITISH COLUMBIA
SEABOARD LIFE INSURANCE COMPANY
Head Office—Vancouver, B.C.
Date of incorporation, 1953
Officers
Dr. C. A. Allard, Chairman of the Board
Dr. E. A. Rodko, Deputy Chairman
J. M. Burnett, President
K. F. Rudd, Vice-President and Secretary
C. S. Walker, Vice-President
Dr. C. A. Allard
T. Ledley McMaster
Donald A. Robinson
Directors
Peter A. Allard
Harry J. Seed
J. M. Burnett
Dr. E.A. Rodko
Arthur R. Smith
Policyholders' Directors
Dr. H. L. Patrick
Auditors
Peat, Marwick, Mitchell & Company, Chartered Accountants
Statement for the Year Ended December 31, 1976
Authorized—
Number of shares _
Common, par value
Amount	
Capital Stock
Number of
Shares
Capital stock issued and outstanding at beginning of year 539,823
Shares issued during year       Nil
Total at end of year  539,823
Amount
Subscribed
1,079,646
Nil
1,079,646
1,000,000
$2.00 each
$2,000,000
Amount Paid
in Cash
$
1,079,646
Nil
1,079,646
Premium on Capital Stock
Total amount paid
$
1,656,110
 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1976
45
Assets
Investments:
Short-term deposits and money-market securities
Bonds  	
Stocks 	
Mortgage loans
Policy loans —
Total investments
Cash 	
Investment income, due and accrued 	
Outstanding life insurance premiums and annuity considerations	
Accident and sickness premiums due and unpaid effective after September 30 of
current year (net, commission deducted) 	
Amounts due from other companies on reinsured contracts for claims paid	
Due from reinsurer, experience rating refund	
Miscellaneous accounts receivable 	
Subtotal
Segregated funds
2,675,000
3,227,920
251,246
9,878,133
492,745
16,525,044
249,127
232,509
61,276
68,501
99,444
59,099
50,215
17,345,215
2,108,820
Total assets    19,454,035
Liabilities and Equity
Actuarial reserve for life insurance and annuity contracts in force
Aggregate reserve for accident and sickness insurance
Amounts on deposit with the company, pertaining to insurance and annuity contracts
and including interest accumulations     .	
Provision for group experience refunds 	
4,304,320
4,919,874
1,762,621
200,289
Subtotal    11,187,104
Segregated funds     2,108,820
Subtotal    13,295,924
Outstanding claims under insurance and annuity contracts, including provisions for
unreported claims
Insurance premiums and annuity considerations received in advance
Accounts payable and accrued expenses	
Amounts received but not yet allocated	
Outstanding premium balances due reinsurers	
Mortgagors prepaid taxes 	
Provision for income tax 	
Due to subsidiary   	
1,807,355
10,543
224,464
438,121
95,696
64,089
43,952
273,145
Total liabilities .__     16,253,289
Policyholders' equity—
Surplus in par fund 	
Investment reserve par fund _. __
Other special reserves par fund	
Investment reserve nonpar fund	
Other special reserves nonpar fund
Shareholders' equity—■
Capital stock paid in
Surplus in shareholders' fund
Surplus in nonpar fund	
484,281
16,128
2,337
41,318
8,313
,079,646
,656,110
881,175
Total equity
3,200,746
Total liabilities and equity  19,454,035
 46
BRITISH COLUMBIA
Summary of Operations
(Including Segregated Funds)
Premiums and annuity considerations
Net investment income	
Net investment income, segregated fund
Reinsurance experience refunds
Realized gain (loss) segregated fund assets only _.
Unrealized gain (loss) segregated fund assets only
Total income
Claims incurred under insurance and annuity contracts, other than under settlement
annuities .
Payment under settlement annuities
$
9,299,412
1,322,636
96,846
8,903
71,530
22,256
10,821,583
3,398,803
2,275
389,941
220,944
960,401
96,799
1,381
167,801
765,580
1,638,928
7,642,853
Profits before gains or losses on investments, dividends to policyholders, and income
tax     3,178,730
Dividends to policyholders       293,085
Group experience refund     1,165,661
Normal increase in actuarial reserve (excluding increase due to changes in valuation
leases) 	
Increase in segregated fund .
Increase in aggregate reserve for accident and sickness insurance
Interest credited to amounts on deposit with the company	
Interest on claims	
Taxes, licences and fees, excluding investment taxes and income tax
Commissions on insurance premiums and annuity considerations	
General expenses (excluding investment expenses) 	
Total expenses
Profit before gains or losses on investments and income tax .
Net gains or losses on investments (other than segregated funds)
Profit before income tax
Income tax	
1,719,984
2,728
1,722,712
Net profit
1,722,712
Surplus at beginning of year-
In shareholders' fund _
Surplus Account
In insurance and annuity funds—shareholders _
In insurance and annuity funds—policyholders
1,656,110
783,591
554,746
Increases
Balance carried from summary of operations	
Decrease in special reserves—security valuation
Total increase 	
1,722,712
23,169
1,745,881
 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1976 47
Decreases
$
Mortgage valuation   10,650
Total decrease before dividends to shareholders  10,650
Net increase before dividends to shareholders     1,735,231
Surplus at end of year—
In shareholders' fund  1,656,110
In insurance and annuity funds—shareholders  881,175
In insurance and annuity funds—policyholders  484,281
Returns for British Columbia
(See pages 54 and 75)
Statements of Provincial companies are checked and are amended, if necessary, and are
published in this Report subject to inspection.
 48
BRITISH COLUMBIA
WESTCO INSURANCE COMPANY
Head Office—Vancouver, B.C.
Date of incorporation, April 1, 1966 (special Act, chapter 71, 1966).
Date commenced business, October 2, 1969.
Officers
Austin Chapman, Chairman of the Board and Treasurer
M. Milchem, President Jerome B. Simon, Secretary
G. T. Shaw, Vice-President David Smith, Assistant Secretary
Austin Chapman
Edward H. Hamm
Directors
Colin Burgess (April 30, 1974)
Michael J. Milchem
G. T. Shaw
Auditors
Coopers & Lybrand, Chartered Accountants
Statement for the Year Ended December 31, 1976
Capital Stock
Number
Authorized  4,950,000
Subscribed          50,000
Paid in cash _       50,000
Premium on capital stock
COMMON
Par
Value
$ $
1        4,950,000
1 50,000
50,000
Class B Common
Par
Amount Number        Value     Amount
50,000
50,000
50,000
50,000
50,000
50,000
Contributions to Surplus
Unpaid Calls
Amount of calls unpaid at end of year
Total
$
500,000
100,000
100,000
477,496
Nil
Assets
Investments—
Short-term deposits and money-market securities   300,000
Bonds     301,500
Summary of investments (subtotal)
Cash 	
Investment income due or accrued	
Other assets 	
Gross assets	
Deduct—assets not admitted
Total assets admitted 	
601,500
60,374
2,125
3,292
667,291
968
666,323
Liabilities
Provision for unpaid claims and adjustment expenses      199,659
Expenses due and accrued  13,320
Other liabilities   5,548
Total liabilities
218,527
 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1976
Reserves and Equity
Capital and surplus—
Capital stock paid 	
Surplus—
Contributed
Retained earnings
Total liabilities, capital, and surplus
49
$
100,000
477,496
129,700
666,323
Profit and Loss Account
Net premium written	
Unearned premium and additional policy reserve adjustment
Net premium earned
Net losses incurred including adjustment expenses
Subtotal
General expenses
Underwriting loss
Investment income 	
Other income and expenditure
Net income before income taxes
Income taxes recovered 	
22,071
22,071
31,092
53,163
59,467
6,304
Net income
6,304
Surplus Account
Statement of Retained Earnings, Capital, and Surplus
Net profit                              .
Decreases
$
$
7,435
137,135
Increases
$
6,304
Changes in unadmitted ledger assets    	
1,131
Totals      .        .   —.    	
7,435
Net increase                                           - -
Earned surplus at beginning of year (deficit) 	
Earned surplus at end of year (deficit) 	
129,700
Balance at beginning of year           ..    ___
Capital
$
  100,000
Contributed
Surplus
$
477,496
Returned durine vear     	
Dividend             _                           	
Balance at the end of the year	
  100,000
477,496
Returns for British Columbia
(See page 64)
Statements of Provincial companies are checked and are amended, if necessary, and are
published in this Report subject to inspection.
5
 50
BRITISH COLUMBIA
3 ,s
(Sooor-oooooN
OnVOOOOvOOOOOn
winoo^oo.oo^
inoovd-nTfomrtvocs
rnfNVOOONH
m o o Q
cs in § co
o «n m
o o r»
© »n o
inoC cs
a\ cn >n
F» vq cs
cs rn
GO  Tf  OO Tf
Tf t-- OO 0
ov t> eoq
vo i-T ov cs"»
vo vo r-t vo r
Tf Tf  t- CO  t
cs o     oT-
cn o
Tf oo
cs tn
vo t-
0\moOv-,tOO©©OvOO<-<->
cooNcooooom«oHM
Ol>OO.^OOOOVO_(>0>n'-H
Os r-^cAt>coo\tnOstn co" r-oo" vo ©
l>i-"OVOor^T-H'-|CSl/^r-iOOvm
fovOiH oo *-. ci ^co co m Hotjin
THcsr*-oCcsTrH      ■* 00r<\Onln
cs     m cs co *h
rtvOncno
Tf Ov CS in ro in
cs m oo o r> cn
y~l vq *h ©^ © cn
cn oC co oo i-T\o
co o co *-t cs r-
o\ in in \o co oo
oo co in vo ro"
o m *-* m r>
cn co
I CS CO
O CS
Tf CO
Tf tr-
ov cS
■<* o
cn cn
© vo
OV rt
in i>
STtm^iincooocs
j^-it^r— m vo ov t—
5itoo\ooc\q,*r*
?Tfo\o\coTfro''vd
fcsvoooovoMno
iOvcnin'-HCS 'to
-ovcn"vo«-« oCvo
1 Tf ct Of-
*H cs o\
r- O
CO o
O cn
Ov Ov O m r>
© in in co Tf
cn *r ■* vo oo
cs cs" cn" cs" f-T
•no mh
cn ^ o cs
csm r-^rH
cs cn m
: oo m rnmovooovi
v© tJ- °i,fio'0,ln.1/l<
! Tf rt VOCNTtVOCSTfc
! r> o\ immmcsoo-
i r> oo    ' -"  — -■' -'■ '
: in pi in rx u i^ ^r co
ioo*-«incncSTft-*-.
vo in
o m
cS ov
&|HU
vomvovocscSr>i-"Qcs^-coTrc5
oocscnr*rn©voooco-oi>,§
oo\ommr-cHo-nl'lfs'TtciwCj
H o"ov* »h a o"c|h N V) VO ON HN
^ a\COrHCOCOO,-l
Tf co Tf vo
m cn o o t- t-
oo Tf o o m m
© in m © m ©
coo i> o\ cC
Oi m Tf Tf Tf
Ov cn in
in Tf
ovcovovoTi-r-coTHcooocs
cSTfinoOTfr-cocScovom
m" vo" v> b o" o" » n ri o" h
HHcor)oto\TH     o r-
r-i       rH   Tf rt   cs,©
Tf CO
00 »-l O CO
0O O CS th
m cs rn ov
vo
CS
in
i
i
coTfvooorscsr-mocSTfcn-^fccj
cor-ot-iTfcnovNOir-cnr-r-ci
cs^TfTfi>rt©cnincSTfcnrtC>
cnovo"rn\oocsvocs m vo cKihN
coooom     cs     r-co h m tn o ^
ov r*
m m
lin I cn m i-H 0\
j cs j Tf cs ov in
«n ; h cs ^ vo
OO    ■ri o cs
j H !      rt
I i
in vo
vo 0\
t-Tf
C-f Tf
CS -i
cn CO
vo m o o co o
O Tf o o ov cs
c- t- in o t- m
vo o o Tf co
m cs  Tf r- Tf
CO  Tf Tf
Tf cn
ov co
CS   Tf
in o
vovoooooomvo
ooOTfr-mcoocn
CO  W\CS IrtHfiHrt
t^oCcjovoi^cScnr^'
cs ov cs on oo  r- >rt
CO    oo cs
cs"ts
cSinrir^csvocs,rfrir^coovoi^voo\t^cscocovooTfvoTHVocSrHovi>coTfovovo^t
fnrHt^r^rH-o\ococ^r^l>oinovi^ovcoovTfinr^Tfcocoi^csOvoinrnvovor^
vovo ocsvom m coco covqoccococsvorto-noccsoocoo^v^
voeS'Ttco.nKTf'TfinO'-«"cs*^,Tfcnoo
»r-      cnvooOth      -HhcoTtPiHco      rtTfTfcscsO'-iQovooor-ocnTfcnoo
rn CS T-i t-I CS i-i OV tH c--h tH ^h ^O ^     "   -'      '
_T com >j-i
0 -* B u a
H   £oa.
vo c-j ts      tN -h      in t-.
—T        von
a
<
00
i   i a
CS CO
m
s
1
i i
mom
ro o i-t
co r> cn
r> csco
CO 00 rH
cn cs
CO rH
o
1
t-
cs
00
cn
ro
i
r-t i m o Tf in
O !«HOh
in    ! i-H i-H cS O
CS tn
CS vo
CS vo
0>nrnoiocScSTfi--icnrnOVOr--voovr>r>T-iovoOTfvOr-ivocS
inrHvooo\voooorH.or>oino>*-iO\oo»n^Tfr>r-*ooor-'Cs]0\
nvqcs rscscn_in oomcnvo ocoococs^vqcoo^csooin^oovoovo Tf
incso"cocsoo"TfinoooM,^,Tfcn"cocninr-?rt
«-\0 ©\nrtO\i-H rt TtoO'tM^OO rtT-HVO CSOV'-'VOOVOOO
rt      rt cs rt vo oo      HhninH   i
vocoOV'—irncoinTf
o c-     m vo     o o\
CO O i-i        MO
i-T co co
1 §•! I §• J §•! &1 & & & §•! §•! 1 ll &! §•! §■ & & J11 §■! &l 1 &
•ao*3:oo:3o'"3o*'3oooo'T3o'0'Oo'aoT)0'9ooo:a'0'Tjjo''0 0't3T)o
CHMCHlHCHCHlHkHCHCHlHlHVHlHCHk.CHCHCHCHCHCHlHCHb.CHlHCHlHCHlHMCHVHU|CH
oopqoooooooqpqoopoopoqooooopoooooqpo
o
U
£        CJ
•H o
S3
3
§   1-5 a   3
c    a
cj oj     :-.
<:<
A   Ih
a p
»■« .,.
5 9 £
U   U ij   H
Th 'Jh U^
6 C rf 'C
o   :
°6
tj u
5 i
O
o
-I   1-1
ct)
tt,     -o
grj grj
is _ y *H
«H 3 5 o
o £ < O     S
U-3   .3
» '3 r°v S
3r
u
CD I
CJ  tj
s
a   0
3  ctt
BO
o   u   o   u
i!„oJ
i 3 a c "
; 23 ta ca u
!£ S Ss
I 0)   to j
1>   H   C
! S3 P «-a
1 i- m 2 S
-    CJ    o    «    1>
ml i
ooo
'J=i o o o
c
oi
0
•fl
M
p
!H
c
-
«
0
F
i-.
o
•a
E
c
1
0     U
o o
UU
 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1976
51
O in o
© rt oo
CS O l>
© CO rt
in vo vo
in m Os
Tf tn o\
cs ©
in ©"
m vo
m o\
©^00
TtTf
© vo m
© t- Ov
in r> a\
nW
© CS IH
- ■< CS ©
VO 00 cs
cs m m
^cs Tf
© CO vo
Tf  CS CO
f- rt  Tf
fSroot-**-|'-|©t>OvOvi>©ro©incoinOvcS'-'©
coroo\TfcsocscSOvi-<©in©oovvor-TfOvcor^
CA©voincSOTfOv^coovvoinoYinrtin^rtcocSTf
TovOOOVrtOOOVOVo"oCo'-*"^ONOOO
Tf^vo *
rfcsc
r- Tf
CS ro t- O rO
o\ co m © in
F* oo vq ©, vq
O in in O rn"
Ov vo 1> vo Tf
»n Ov Tf vo rn
00©©Tfi-iOCSQ0
VO   ©  O   Tf   Tf   -
t> © o cs cn
ov
r-;C5 vq
in' rS cs od vo ov Ov r- ©
co r- cs inTfooco
in i-i vo co co ©
rtin rt co cs r>
i-l l-t Tf  CS
*t<o
Tf 00
l-©t--inincnl>ovo©o\OVOm^f'-'co»-ir-j
,.„,.,      . .    . .      _ ,   ,.. ...,  ... ^, _ VO CS CS f
Tfov ^^^^PB^^^KDc,v°,^"ri,n,rivios
~" Tf ©'-i't>'-?.t^Tf,in©"©     Tf cs ^f oC I-?
cs i-iO\Tf(ScninTfini-'      p- v> vo r- ov
cs i-1 cs
©O\©©CSCS00OVTfO\
©OTf©VOrtCSVOl>VO
ininrH©^movovcocs©
cSov©vo"cs"vot^inini-H
^©TfOfsm-nTfo
CSCOCOTfTfCSCOVOOV
>v i m in ©
3 : vo in ©
■) j Tf co in
5 ©" in ©"
- ! r> r-i tn
i ! co vo ©
Tf  OV
Tf   00
© cs
© CS i-i Tf Os ©
O CS i-l r- oo ro
uo m ov cs ov >n
cs vo vo cn ©" Tf
m ov Ov i-H m
co vqcs co m
*H      co vo
i-H      m oo
vo m oo
vo Tf ro
Tf oo ov
oo"cs"in
oo <h in
vqvqc-^
rocotH
CS
CO Ov
CO oo
©„Ov
Vo"tP
«n o\
in
cn Ov"
VO "-O
in CS
co rt cs CS
r* cs cn r>
COVO i-4 o"
r- vo Tf ov
cs Tf m t-
CS I i-H »H
CO ! CS CS
ih : ov Tf
r> ', vo co
O I l-H   t»
rt i © VO
co vo vo m
© m co cs
co vo © oo
ssas
CS rt 0*00
CS © CO
Tf 3
«novo\©i>voi>i>voi-HcooocSTf
,,,....     -   _inTfovoTfoocS-ninrH'»-'i>ovi>
m cscsint^o^ooi-^tococs^r^oovqvq^
vo cSinr^cn"r^ONTf©"r>0\ro"tninTfV^
CS GO rt VO m l> ON OV COOVCOrOrtTfCOVOOOOOCS
Tfvqcsrt r^i-icn     Tf rt m cs     Tf t- rt in r> *h
Tf r^"     rt cs *h rt
: un cs
! CS CO
: ov co
vooTfOvovinuooi-i
vomoovovoooovoo
"ncSTfo^vqrovqr^in
rt" r^r^Tft^i-Hvoinvo
co c-     cs vo     cs cs i-i
Tf   Tf
Tf co r-
rt Tf m
©fcO\vO
TH  OV  00
cs © r>
CS w
o\ VO CO CS
in r^. Tf Ov
oo in cs cs
Tf   OV   Tf   CS
vo © ©
m F i-i
© cs vo
CO CO vo
o_vo Ov
OV vo ©
co m co
CS Ov
cs?
© Ov CO
co vo vo
i-"voovo\vommTfi>-Tf
cocoi-«vocooo©r^i/ir-
©cscSinTfTfvqoo^in
rortCSoTooroin ooov
co©      csmi-Hcnovvo
cs cs cs      cs m
ooro©csoooovi-ii>ovOv©vo©ooco©vooOTfin
00r0i-imcS0\V0TfTfTfTfo\0OO00CS00©Orn
cs^inovcs rj, c1! 1H. t ^ tm* ^ 9, "1.N. 'I, ^ "1. ^ ^
i-^cs©*incnr^©"voco"t^w^rocN,^cs"i>t^vd
imi- ,i.-s      i»- *oco      movomi—'i—"CSinTfoom
rt  rt CSrtCO Tflni-ICOrt
vo r- i-i vo
oo ov i-i rM
CS <n"      i-H
m co
cs ^
O\0\
cS«n"
in vo m
o\ co m
cqm cs
00 rt" CO
m m
i-l Tf ov ov ov ^f
r- vo Tf os os ov
t£ VOrH ©_VO CS
ro in" Tf Tf r-^ th
r-~ cs     cs vo
OV Tf
OV CO
t> vo
t- o. vo f
o 2 vo ©
CO Tf CS ©
oCco in cs
m no i-i r-
*-n vq
cs oC
CO ov
Tf m
*H OV
© t>
m vo
cs ©^
incs
i> ov m co
O i-t CS Tf
CO Tf rt ©_
Os ro"inTf
m m vo ©
co vo
©TfrSi-tvD-TfTfrtOvoovcSCinincorOTHroovTfrOGQOVi-icOTfrtr^inr^i^cSc^
r^ON-ncs,"*'-|covocs>riovcs©covo.>'-iVo--HCSrr*cS-nvo^
CS r^int>rOcScncSCSi-Hr>Tr^csoorn ov C> ©^ vq in ro rt cs ^^^^^^^P-,rn-.co*0^0*ci,,'!0>J,0.,',^,
0\Vo"o"r^cScs"©Tfco^©*t^oor>0\Tf©cs"in iHcSrtrnovrtC^i-^incsoCvc"cSO\»n"vocsT
ro vo CS CS CS cS
CO t> l> © CS 00
©^ Tf C"; vo ©_ Tf
Tf  rtrt  CO  TfVO
CS  Tf Tf  Tf
c-« <js fi nir «''i v in
CSr^int>cOcScncSCS
0\vo"or-^cscs"©Tfoo
vo cc in co k.*ia-i
in cs m m
r> ov
... ... ._ c    v - < . w -j ooTf©r-oor>o\Tf©cSinvot>>n
vocomco      r^coini-HVOTfcocso -   - -' - ""
cSTfcoi-iini-H      co
cnovi-HCsi-iincNONVOCSOvinVOcS
oawm   i inn   I mn i-iinTf
i-i I O ov
oo cs
vo ro
r> vo
vo cs"
vo o
CS   Tf
cs
Ov © Tf r>
\o JH °° cs
© 00 VOTf
©vo r> vo
ON 0\ ro CS
I>   Tf rt   rt
i th © r-
! 00 r> CO
: © © m
t~-
m    1
CO
cs m ov i-1 i-t cs co
© ov t> in m co cs
o\ ©, r^ co cs vq rn
©" Ov ov" cS in r> in
rt co rt t— in cS cn
© rt in t-h cs
mvOCSCSTf©     irtTfoOTfVOTfrO'-'CSOOVcSOCSinVDCOCScSCOcS
- --■   -               '©covoovTfrtinONONrncScSOvovor-rtcovoc-©
CSONOqcSrnrSCS '-HVOrtCSTfrSOrn O^CCJcS riNh
ovovcswcScs"od'^"t^'^cs"r^co"rnov'rfrtcs"cs^
r>cortvo       r>©OvinvDrtcocS THCSt-incSro
i>c~^cScs vqcscSrtinrt mcocSTfTf
mV 1-5" CSrH
Ov © ro co
VO i-H Ov ©
©  Tf 00 OV,
t-^VO rt cs"
Tf CS I-l
Tf   T~i
I -n in
! CS i-i
! co co
i cs ©
: vo r>
j OJ.»
j in ro"
©©©rtTfTfcoininr-t-icscsovoi-ivom
inVDmrtCSCSinThr-co(v,csvo©corSVOOv
cscoTi^r^vor^ov^©ro^ooOvt-^csinovr>in
rn co" rt" vo CS ov" Tf i-T in" cn" ov »n cs Ov in tn th
in      tnHNMnH   I  inn rt ov r-
i-H       vo CS I   i-i 1 ©
u a
C C
o o
U O
<   fl   >s
fi fl
>M  Sh
a j
'•3 I
u o
U    Ih
uu
0     D    Q     W
S3
Sh
S3
I-l
-J
J
tj
tl
Jf
XJ
ta
ft
B
!
3
rr
n
IK
Ul
a
ce
CtJ
u
c
3
<
•3
CJ
S3
<
OJ
S5
CM
3
n
j
H-l
•a
OJ
-1
■a
t/l       £>
W Ph Lm Uh rt Ph
-* fl
rt rt -a
fa i-i
"1.5 <u
? a s
ss«
— 3 cj
— « *-H
C3 H T
jo i-l i-l
S3
OOO
 52
BRITISH COLUMBIA
"   rfi OV
OI>OOOCSVOTfrtCSt-l>-VO
©inovoo-noor^TfTfr~ro
v?o\Tft^coinTf©voo\coin
CSTfOVCSTfcSO\CSOVOOOvCO
*    vqo\csvqvqr^iHcoi>cocq
CSCO        00CO        CS        0\Tf ©
i-i     r- vo     rti co
CS co
soinocSTfTfcninoocs
iininO©cOrtcocSvoin
l©l>O©V0C0i-iCSC0P-
co co c
ov Tf v
i-i in v.
THVO h
© CO
is?
r-^co
Tf ro
in 0\
Ov co
Tf   Tf
CO  Tf
in ©
CS CO
Tf m
CO i-l
cs oo r- ov vo
vo CO CO i-l co
r* cq in ov CO
vdvd'Ht^vd
co cs m Tf os
Tf Ov ©^Ov cq
Tf rt cs cs?
t- CO rt
is*
§ w
rtta
W
CS vo    linoo
Tf   Tf        |   CS   t~-  ©
CS >n    ! co i-i ©
t> t>   iinovo*
CO i-H CO rt  Tf
Tf CS     ; in ©
OV  ©"
\Ti rn
! o co in
j   O   ©   Tf
! Tf in co
: t*^r>TH
i vo r- Tt
1 i-i cs
rt Ov O
-n r- ©
t> Ov^©^
© vo"©"
OV vo ©
CO  C* Tf
voV"
m m
: Tf m co vo Ov m
i co co r> c~ ov in
: vo © r* Tf co oo
i P? Ov" Os Ci in CS
i ov r~- © Tf ov Os
j Tf © co vo o\ t>
1 vo o" vo ov co" ©"
TH  rt CO CS
© (S
VD CS
CO vo
©ovroocococorncsooc
©coin©voovVDinvoi-iT
©rt©incs c--von rt Tf in vj
ininK»nvoo\vo"©Tfinc:
,AcScoTfTfoi>'-tinTfvoc
**     0<nr> fi,csov cscs ooo
csTth*     in-n     ©     0\t
cS      co i-i      th
CS CO
© Ov © <S © ©
© CS vo in © vo
© vo t- co o Tf
in co cS vo vo co
th Ov cn Tf i-T rt
Tf cn
OV Tf
\ © t-H  Tf
1 © rn rt
ii>qoo
> Tf cn in
i in "o Tf
i m w> ©
cs ov
r> vo"
CO  Tf
Tf cn
co : cS m vo ov ©
vo i in cs ov i-1 cs
Tf j ov vqvqt^in
vo ', in co r> o Tf
*H ! © Tf in rn cs
r> j wo oo o ts ©
j r> rt i> cn
m      vo i-i
<A o ta
2§§2
ro n _v>
to
mo\TfcoTfTf©\o
mmi-irnovovoco
TfcqcSOviH'Tfincn
vdinTfTfrHVOcnvo
co co in Tf      cs Tf in
©^TH   TH
m i-i
vo m Tf co © ©
in m co r-» Tf oo
© cn Tf ©_cs vq
in co Tf co" co
in ov r> Tf
in i-i
ri*
i-i fr- OV t
in Ov
m m Tf ih co
© Tf r- © t-
ov ©^ov^in vq
co" Os Os in
ov ov ts m
^^
o"th
Ov O O
Tf rt r-.
VO 00 Tf rt CO
m cs © © r>
ov ih vq m vq
-n ©os m"
co Tf cs      m
Tf  i-1
CS CO CO VO th
rt Tf vo r> co
cn in o cn rt
l> Ov O ©"rC
CS OV Tf ov I—
co vqov      i-i
odes"
vo m i-i i-H
Tf o m oo
c- m cs i-i
vo c- co
ro ov m
o^t- cn
©"»> cs
oo o cs
ov cn
co cs
ov o
o ©
CO CS OV Tf ov
r- rn O Ov t-
Ov vqt-^i> cq
©Tf oCc-^
Tf in  TH cs
th Tf m co
CO
Tf  TH  Tf OV
Ov in Ov co
Tf vqcs^vq
t> cs ©"in
Tf in co vo
VO   Tf  TH  (S
vo co r- *n th
vo tj- co ov m
in ncohh
cs i> ©"© i>
VD Tf OV OV C~
Tf »T> CO rt
co m co
co Ov in
ov r- co
cdodcs
c~ © cs
O m
CO CO CO © ©
r> co m o Tf
Ov TH ©^vt.cs
co CSOV rt
00 VO
cn
cs
2-1 si
VOTfCS©CSCSVOVD©VDcS©
OVTfomvDcocscoiHTft^in
cScnr^Tf©rt^cninvqcsr^t>
Kvd cs r> odh ov in h oo t>
»■ o      coTfcSTfooovcn-n
Tf      © in i-«
oo"»h
<
00  Tf
m vo
co t—
oo r-
Tf   Tf
i©Tfcovo«n©ocs©
im©vocscortcScs»n
iTfo\o\cooovooot^r>
ovcsocoovt^cor-oovoTHcsvocoTfro©
TfovcovoincooTHTfrtinvooovoinvo-^
es th vo i> ov o -n »h cs <~	
^.r*^^i.c?.,n "-if^©> Q'qoqt-h rt^©^co ^5
cs © Ov co" ov rn      vocncnvocoTfTf©"co"cn
,-< P H1 f"      ^      r2°,vPt^'"i^00 — OV'
TH ov,
vo cn
cs Tf cn
<vor-q,in
o"co"
CO OV iH
cs cn cs
vo cn vo
Ov vo CS ©
CS CS OV ©
Ov co co cS
in th Tf vo
OV CS O H
■NOV OV
IflMH
m vo
OV
VO O
CO
cqvo
CS vo
I-©
coco
VO  Tf  CO ■
ov Tf in i
t-^Tf csod©"rtOOininco"t>
* H C»   IN  W*  fn-i   Cfl  r+s   tfs
ovoviHr^ovocococsTfrtfSi-iooovt^©
TfvoovTfmooococstsmvoovvoooinTf
cs m csi-HOv©in to^voqco fi,T-' *° cs vo
CS rt" r^ ci Ov cn"       o"rt"oo"©co"rOTfl>Cs"ro
iHvomo      cs      cscomvortcoooTfovrt
cs_Tf iHvocSiHrtVor>vqr>
Tf cs r>      ih co"(s
CO 00 00 vd r-
oo in Ov o\ co
corbin oqcq
cs r^r^cs oo
Tf  ©  OV  Tf
Tf  Tf  ©CS
CO rn  rH
ov cn r> r»
m i-t h th
<n c> ov^t>
S"cs*,Tf oC
©  V0  Tf
00 Tf Tf ri
co Ov -n ov o
C0H0OIM>
co cS in osvo
cs co in i> oo
co      cS ov
m      vo
cS
&&&&■£■&&        &&&&&&
.3 3.5 It3 £.5 3.5 3.5 a^ ?.S 3.5 3.5 3.5 WM 3 3.5 3.5 3.5-5 3.5 s| 5*
tjo-ootj o*a o-oo'OO'aO'ao'ao'a o-ao'ooo'a o*ao,a'a o*a o-ao
MMtHWtHlHbl^t^lHtHMI^tHll^cHtHl^lHl^tHHlHMlHlMlcHl^
oooooooooooooooooooooooaoooooooooooo
J>> «(H
g
TO
z
<!    cS    <
&
I-l     °
13
I-l
•3     .2      to
•g   s  B
k n
e
51?
003
uu I
3   C   «
«  cd 13
b 13 -1
cj   cj   3
saS 8
tJ JiJ
o
u
la     S
—     to
ca      5H-j
p   s
S3
•J3 O
•au
CQ tj
0 S
U a
,0
la
43
a *3
o-a
•a 3
Si
<   «
a
2 s 2 ss  a ss §  a
 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1976
53
VO  Tf
©  ©
in in
th in
ov m
h m
co co in ©
co oo cs ©
Tf H Os ©_
Tf TH rt ©"
Tf  OV   rt   CS
© ires t>
cs ©
CS th
t- r- ro r- © co vo ■
r>vor-cs©roi-iv
rt cs © ih cs ro ih t
■TfcomoovoiHos'Hcot-voTf
■ O\I>tH©©VOCOOvVO0000cS00
■TfcsmininvDroovTfrocsovin
t-THr>TfovO\vovo-nvocor-cnr>©m©o\r-rHVO
© r> cn m Tf c - - •       ■	
CS VOVOO^VOt
go cd vo Ov ro rt co" ri rt co cn cs !-■ od ov ih r> cs" cs" Tf
r>OvOvmiH       covoco       rt       in       r> CS ih ts CS
co co m ih cs ih
co vo
© ^
ro"od
vo ©
OO  Tf
Tf  Tf
©in
VO  Tf
t- CS
T-^CS
co cn co
C*  O   Tf
ov Tf vq
VO  m   rt
m vo vo
oo r> Tf
Tf ov Ov
© cS cn
© © t- ©
m o ih ©
co © in Tf
VO'© CO rt
CS CS CO rt
vo t- m ov
co t-- r
00   Tf   ■>
Tf   O^C
rn th t
th m r
cs^© c
..   . r» t- s
ih      m th      cs
Tf o
y^ ©
co »n
r-ov"
co r*
ov m vo o
r- cs cs o
cqro i> ©,
vTini>vd
cs vo © cs
0> rn Tf in
VO  COTf
m t
©   Tf
CO
ocncsr-covoTfcortOvTfincscovooocsr-incoTf
oocSoorncsvOi—OiHOVTHcSr-voccomcscovo
c^od©"Tfcsrn"t>csi^tn^vo"cs"incdTfinodc^
vOrtiniHf»comoocsovi-|cs©TfTfOvcSm©voco
r-rtcncqr^Tf©inovTfOvinrtrtrtr>covocoTfrt
cd^rn"vDinrtVOTfcsro"TH ov in vo in© th cdodro"
VOOvCOTfrt ©COrt r-l Tf COHHMH
m ro cs th ov *".
©r>©voiHincSTfrtcs«n
Ococo©Tfcoinvorocsco
oov©cococovocomTH(s
©"coco"iniH^rtodovi>cn"vo
CSCSVOVOrocSTHOvmTfco
CSrorOTHcOTHCSCS        ih
th vo oden ov      t-
ih rs ov c-
cs H TH oo
o cs
tn m
in o^
in vo"
vo vo o cn Tf
ih cn o oo oo
vo cq©^cs ov
Os h ©" l> TH
m Tf cs Tf ov
cs vo      cn th
cs © vo rs
in o co co
viinMH
Tf r-T © co
vo vo Tf m
in cs vo cs
cs r- vo co © m o
vo m th Tf cs th i>
CS Tf ©_ Tf Tf co^ cs
©" ©" th r> r> ro" Tf
t~- vo vo ov cs -n *n
n vo Ov ov th      in
cs"r-^cs cs      vo
ov © co cs
rt rt rt r>
00 OV CO ©
vo in ov t-
->cn_*H o\
OV Ov CO ©
oo vo co m
CO Tf vo
CS CO ©
rt VD CO
cs cqes
csoTcd
ov cn cs
© cs
vo ih oo ©
in Ov vo t-
in Tf ov Ov^
r> ov ov ©*
On rS in m
cs cs vo
I   CO   TH
       ,  csmTfOovcoTfVDco
rtin©cd|>voincsvD      h rT t- >n od cv h o" in      i-T
0\TfcocS©iHrtinm      ovcSOvovr-mcocooo
c-ovTfeses     cSco^©     th     Tf     mTfcSiHcs
TH TH VO  CS" th" ih"
CSCVrtrtONCSCOVOTH
r>ov©cScovoinmoo
r-inovco©THVor-m
cdiHO\(S"cs"Tfvo"odro"
•hcScscSth     vovom
ih i-l CS CO CS
CS rt
VO CO rt CO CS VO ©
Tf r- Tf ov Tf cs ov
co © th m c^ vo ©
i cn Tf ©
irt r- ©
cnvor~-rn©oor-rOcovorocococOinOv
TfcScSTfmcSTfTfVocoooTfooin©r--
Tfrninin©^©^csin *i •* cq oo in Ov Tf Tf
cSTfO©'incSOvro"co" l> Ov co Tf f^ cS
t>cs©©ovrtTfcoco       vo       cs co t— co
VD OO  Tf CS  TH OVTfl> TH Tf int
m cn cs cS
ro (S vo oo
© CS ro co
ov cs m m in o vo
m cs ov Tf h Tf cs
l> ih rt in cS © Tf
Ov «n i> Tf rt cs" Tf
co © ro CO ih oo
m co  Tf m t-«
l>"Tf"
CS
©f-rncor--mvor--rtcsovTfTHinTfr--ovcsi>TH<o
Tf©comcscoTfi>rncs©r-r-inTfm©THcsincn
inTfvocnvocn©covoTfcsincoinr>cSO\vqinvocs
odoCrovo^r^r^in'rop^Tfroi/Tcocsvortrt Tftnr-cn
© co
© t-
o cs
©  Tf
vo m
Tf
VO  CO ©  Tf  CS ©
o r> rs r-      cs
m co co co
I
SOv co r-
1H vo ©
cs O^cs cq
© Ov"in th
rt  ©  VO  Tf
rt vo CO th
CS   Tf   Tf   rt  OV  ©
CS  ©  H  OV  Tf ©
Tf Tf cs h r> ©
vo Tf in co cs ©"
Ov vo in rn       cS
m cs Ov cs
cs      cn cs"
ooovmvor-r-inmr^TfmmmcsvoT-^-    r •• i
Tfoor>i>©rtCovOTHrt©roovinTfrsoocs©
in Ov vo co cs  in-Hvo   ""'       '' ~' "'
th th rt      r> cs" cs
it n^nu
© r- vqts cs
cs    :
m © cs
CO
VO CO vo
CS     !
© c- r-
oo
m t> rt
ov m
© cs
*"
r> cs Ov co co oo cs
Tf o ro CS co vo
Tf co       in Ov r>
VO t->
1-1
: vo h r-
: t- th m
! cn cn rn
Tf m m vo ih
OO CO © t~- H
r- © Tf th m
! m cs f- c- cn
j CS th cs cs Tf
! cS in m Tf
! coin in no"
I TH CS t- TH
;   cs
Tf
Tf
CS
Tf
Tf
r-
cn
in
"
:TfVOcScncn©THrt©(STfcSTfcortr>incscnrtcn j
!voovininTf«nTf©cscscovDTfCS©mcSTHr— men i
TH©^rnrococqvqr-cqTfO\©^inTHr^rsvqvq©^ i
id«ri t^\o ,h"vo"^co"ca ■* ^"o"ooi^"vO*h r^T/iX |^rn i
coroovt>©iHOvco©THCOrtrtrOTfcS©CSVO
coOvincocS        ©©in        th        vo        OhntHH
invo©OVTfOvo©CSinvo(Nrn
iniHincsinTf©c-r>©ov<V)VO
"^tH.     "1*i°-* °£""t'"I^i^ "1
Coin TH Tf CO rt 0*CS*'tH     I   r-T
miH rtics      ovcoovr-'co
m eo O^ t£ V^
Tf rt rf ro"
ov cS oo m
in oo ov ov
m ro com
in m vo rn
Tf rt m ov
m vo th
in r^rl
mvooovTfOvoiHor-rttsqrn
inrtmrsinTf©iHov©©rovo
com"      rtTfcn"     vomint-*   I  r>
m h thcS      Tfrtrnr-'rn
b    &    &    &    &
•o*oo'oo'Oox)o*3o*ao
'ih^hkihl-i'HhiHhi'
&    &
&    &    &    &&b&
rl &.s |1 till J &1 &fi"5
f    &
! ftS i
IJ &.S || IJ 3.S 3.9 S.S 3 .3 3.S.S.S.S 3.S 5" ffi 3" .3 SS 33 3 s
dl.l.Cll.LlHl.l.l.HHl.HHHHHHHHHMl.HHHHHlll'HHlHHl'I.HHHHl.HHNHMH
OO0O0O000O0O0O0O000O0O0O000O0O0OO0O0O0000O000000
!   !      I
3
cd
u
66"
Is
so 5
SI
1-^43
>>.2
a s
o 3
o
u
13
1-1
CJ
.O       T3
13       etj
U
b
"a
3
U
tU
a)
3
§  0
a s
u o
S3 si
■« "3
3 3
S    2
1-1
CJ
55
S3
-J
Z    %    Z    Z
°        c„
m        -J3
Vh
O
z
3  I
g  .<S
^^ rr!
u    u
°U 6
6 cj"
3 cj
tJ   cd   3
iii ■s
td  cn   0       hJ
U
3 fl  3
3   tj
3 a
M 33   tj
-AM
• 3 "
fl     o
U
OOO,      Ph
OS
3 a a o
a I,"
' 1 ^ rt    ,rt
"ra ci o a
5 •g Ti fl
illis
g § gs
Q    U rt  rt
Ph  rt  rt  Ch
«
.. . A A
*" 1 d
.   tj^U
CO JH 2
«    , cj  o
CJ 1-1   u   C
|8<|
S-S o »
=H   13    *^
C ti ^  ro
S22 S
•g > >tj>
H     H     H     H
A, Ph Oh Ph
0
U
13
k-l
»       fl
 54
BRITISH COLUMBIA
is
5
s
s
s
e
3
01
g
w
Z
tn
W   o
3 s
| a
el-9
H    S
un o
Z ■§
I-H     w
U
H  3
* .5?
at
o
H
U
has;
so"
w
flQ"
vo ov n n cs Tf
© ov Ov c— m m
cqTf h m cs ih
© odvo m cdvo
co cs r> tn © ov
«■© Tf m m in m
© © m
r> © ov
cqcs ©_
m ©co
CS ih vo
»©     vo
ov     r>
vo ©
I- ©
Tf  ©
rt CO
© CO
© CS
r- vo oo Tf r> m
rt  VO  © TH  CO  Tf
© r^ vo m vo »n
w-ro © oo © cs ©
covDcorococs©ovvom©
  Tf rt co cS vo
^cor^cscscnoTfTH
VO Tf co co ©
r> vo Tf co c- . .
CSthOvOcOCSOvOv
cs © oo CO
m m i> th
cs oo ovvq
© in COrH
Tf m oo Tf
o\ m ov
vo oo m
I- m ro
r-^vqcq
ro ©cs
irt Os t~~
OV © Ov
co © c
i-l  Tf  t
©   00   T
: Tf o
• Os tn
1  © Tf
odco"
VO  CO
VO  Tf
- ih © © © r> m ©
-1> m © co r- Tf ©
f o> cn ih cn -> co o
"cscoodvortodt>
vo co m co r> t> th
O^th q rn if q
ri      r> cs © CO
TH TH CS  iH  ©
© rt OO CO rt o oo
co ov co rt m m ©
COth 00 CS r- F;
in th coin      -> Tf
© m
© CO
CS ro
vo r-
© ©^ cq r^ th ©^ vq
TfoCvo HHinV"
cs o co vd »n i> ov
r> Tf m rt      cs ©
rt
r-
m
o
rn
r-
m
r-
s
vo
ov
r-
cs
cs
Y—(
(S
on
on
Tf
th
©
t-
VO
CO
cn
CO
Tf
Tf
m
Os
ov
o
m
8
cn
VD
r-
in
m
rs
sis2
r> cs co t— Tf Tf
© r- ov © oo m
vo vo r- vq t^ •*
CO CO Tf t> ©" ©"
«■© CO Os o ro cs
Tf cs co cs © CO
Tf VO
tn m
Tf OV
Ov t£
©"ov"
© CS
CS Tf
Tf r* th © Tf m
th VD Tf vo co ov
,_ co" CO H t> Ov ©
«-Ov co © O CS Ov
CS cs ro cs co co
covocnmcsvoovoom
o\ m th
Tf ov cs
com ov,
Hrth
© VD Ov
Tf  m  rt
OV CO CS Tf
©   Tf   OV  rt
Tf^rn m c-
©"rt vo t-^
Tfrtfsmcnoor^Tfin
vocScS->i-'voovcoin
vq t> in vo vq oo      m vo
©" o" vo cd *n" vo      Tf
© © vo      Tf m      cs
OsOs CS      CS
CS Tf Tf CO CO
OV CS CS Tf CS
»n o^Tf in cS
Tf" OT © TH vo"
t> co m co ov
CS th CO cs
Tf co Tf r- CO
*r> cs cs o oo
VO CO Tf CO ov
Ov
cs r>
O
r- co
CO l>
Tf t-
m cs
«m     fl.9 u
vo th © co r- cS
Tf Ov Ov ro ov Ov
cq h ov vq cs cq
vo" th co co" th ro
w-r- co ro vo vo ©
m m Tf cs ©^th
r> ov
Tf
0\ cs
CO
m Tf
W-rt
TH
rt  (S
Tf   CO
CO rt
CO OC
Tf m
© o
Tf   C
© VO
tf>VO OC
o vo CO ©
Tf ir
Tf tS co CO
CS
©oorScsovTfmvovoiHTH
r--vocsr-cSmrnvoTHinrt
mvocooovoi-irncnmcs
© ©" OV VD" Tf  00 CO  r^ ©  rt
h      ooiniH      cocooo©
CS ©^ OV CS CSlnr-iCO
oCo"rt
CO cs vo
©mm
oo^ r- ih
cs"m" oT
CO ov VD
in5\ii
vo"rt T-H
TH   Tf   CO   CS
CS Tf CO l>
00 <© Tf CO
cs cs" i> cs"
vo OV CO
©COTf©rOTfCS©COO\TH
csvOTHf»r>cnTHrtcsr^TH
thvo ©^cqmvqco© oovqcs
©" cd vo" r^ Tf m th ro" r-^ rn
th        OvvOTf        00©COi-i
CS Tf  OV CS  VO H
cs"co"
cocSTHcncncSrt©t—cn
cncSmi-"©vocoTfrtOv
r- h oo n oo cn q h N q
r>m"t^vocs"Tfco"©invo
ih©coov ©roiHvom
Tfcn      m      ih o\ CS in vo
>-" ro o ov t—
© © Tf vo vo
cs i> i-i cq oo
cdo"o"cdTf
Tf  IH   CS   Tf
Tf CS  CO  rt
r> cs h ro ro th co
Nfsmoovor-
iH   lH   CO   Tf   CO H   N
com r-^ h cs" VO ro
rt © rn co      Ov ov
cs m      cn Tf
r- i-h
tn r-i
cs m
Cfl
w
3
&
&   &   &
2 a 2 a 3
rt H .5 3 .5 3 .5 a
'OO'OO'O'O'OO
l_|-_l_l_l-lS-Jl-,l_
OOOOOOOO
a
3   S
a   <   <
S   s   «•
,3    fl    3
 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1976
55
TABLE II—LIFE INSURANCE SUMMARY
(000's omitted)
Year
Premium Income
Disbursements
Ordinary
Annuities
Insurance
Other
Payments
Total
Force
1971  	
1077.
$
128,179
139,031
145,211
171,288
179,359
$
47,632
60,588
93,412
93,532
105,092
$
96,716
98,747
109,529
125,923
117,903
142,438
$
21,749
23,621
32,937
37,153
45,806
62,341
$
118,442
122,368
142,467
163,077
163,709
204,779
$
11,959,412
13,179,412
14,784,560
18,148,463
1973
1974  ..
1975
20,896,607
1976
192,645
116,054
27,149,759
 56
BRITISH COLUMBIA
So
gtt.
1-9
MS
r—'IH
I-l
O —
H,<->
.3 8'
Q
w
»5
in vo o r-
m t-- o m
rn 10 C^oo
-h ex? vooo
© co r- cs rs Tf
CS Tf  CO rt  VO CO
cs cqin cs Tf
o"vo ©
vo m Tf
CO Tf ov
l> CS CO
dso^cS
c~ o o
VO OV cs
© cs
TH   OV
cs vq
ov ©"
r- Tf
© r>
©
cs
CO
CO
© ©
© §
© © in
© © cs
»n © Tf
vo vo vd
ov cs
CS   TH
m Tf © th
CS rt qrf
S"rt vo ©*
th m vo
rt_ oo
©vo
Tf m
o r>
© r- vo co m co
cs m ov vo m ©
CS CS CS cs m
CS OV CO
rt OV Ov
rt" covq
VO   TH   rt
vo vo ©
CO Ov cs
f-  Tf
m cd
© vo ! ^
co © : co
r- t-   in
ih m co th o\
m © m © co
m ih cs cs rt
OV CO OV 00
OV © CO rt
Ot-VON
in cdiH cd
co r>
t CO cs
I VO CO
I m Tf
111 I?
« <fl
•a i§R
!   i r-   i
i     «   !
099
185
I   I *-' ts
CO t>
:   1 Tf vo
«n
iw
fill
© ON h ! © ©
cs r- i co © ©
o\ vo | th cqo
cd i t> vo cd
in cS ! co cs
rt
th m oo Tf ov
m o m oo co
i/^th CS CO th
eo"ooTf cs Tf
Ov r> co co
OV i—I
CS CO rt
m vo cs
<s ©
co vo
th r-
Q
ot 3
IS
•I
I
m r- h r-     ho\
CS Ov 00 CO     i ro CO
t- O Tf OV     ! »h Q\
00 © VO ©
cn m vo co
ov oo in co
odes th cs
© rt © rt
m th Tf
Tf ro co m
CO 00 t*- OV
VO »H CO VO
t-^odvd Tf
cs so in
1 s«
1111
g§fl
! CO Tf
: ov t>
]  VO  Tf
wh
^ |5 l
111 11
33   <hgli'
1
in
s
i cs
r-
im"
TH
1
•3
!
VO S '
IS
flg-s
m    : Tf r- cs t>
■rt       i  CO  OV tH  CO
„ OV     1 CS © h Ov
co m     co
co vo      vo
CO Tf vo
co © vo ov t-
h m co ov h
vqoo vqi> vo
cd"cs © cs Tf
VO  TH  ©  H
CO  TH  Tf
co"
co © m      th    i cs m
M Er fS     "*   ! cs r-
Tf CO VO       1-1     i cs oo
I
55
O   D-J3
a a cs
3 S o
*< d w
d >,tc:
<u o s
|«8
5°«
S5
m^-a
«   a    fl  hH
sa gS
tn o o
I "s o § r
6    Cfl   «    Ih    Vv
^  O  O   3S
 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1976
57
TABLE IV—PROPERTY INSURANCE PREMIUMS AND LOSSES FOR 1976
(Figures shown in nearest dollar. Direct claims include adjustment expenses.)
Name of Insurer
Direct Premiums
Written
(1)
Direct Losses
Incurred
(2)
Ratio of
(2) to (1)
Acadia Insurance Co 	
Adanac General Insurance Co. of Canada-
Aetna Casualty Co. of Canada	
Aetna Casualty & Surety Co  	
Aetna Insurance Co 	
Affiliated FM Insurance Co _	
Agricultural Insurance Co..
Albion Insurance Co. of Canada..
Allendale Mutual Insurance Co	
Alliance Assurance Co. Ltd _
Allstate Insurance Co	
Allstate Insurance Co. of Canada-
American Bankers Insurance Co. of Florida-
American Home Assurance Co 	
American Insurance Co	
American National Fire Insurance Co..
American Road Insurance Co 	
Argonaut Insurance Co...
Arkwright-Boston Manufacturer's Mutual Insurance Co-
Bankers and Traders Insurance Co. Ltd  	
B.C.A.A. Insurance Co  	
Beaver Insurance Co.  	
British America Assurance Co	
British Aviation Insurance Co. Ltd-
British Columbia Plate Glass Insurance Co...
British Economic Insurance Co. Ltd	
Buffalo Insurance Co  _
Calvert Fire Insurance Co 	
Canada Accident and Fire Assurance Co...
Canada Security Assurance Co	
Canadian General Insurance Co.	
Canadian Home Assurance Co 	
Canadian Indemnity Co..
Canadian Pioneer Insurance Co	
Canadian Provincial Insurance Co-
Canadian Surety Co 	
Casualty Co. of Canada-
Centennial Insurance Co	
Century Insurance Co. of Canada.
Chateau Insurance Co	
CNA Assurance Co 	
Commerce and Industry Insurance Co	
Commerce & Industry Insurance Co. of Canada-
Commercial Union Assurance Co. Ltd._
Commercial Union Assurance Co. of Canada-
Commonwealth Insurance Co	
Compagnie D'Assurance du Quebec	
Consolidated Fire & Casualty Insurance Co-
Constitution Insurance Co. of Canada	
Continental Casualty Co	
Continental Insurance Co	
Co-operative Fire & Casualty Co...
Cornhill Insurance Co. Ltd _
Coronation Insurance 	
Cumis Insurance Society, Inc.-
Dominion Insurance Corp.	
Dominion of Canada General Insurance Co...
Eagle Star Insurance Co. of Canada	
Eaton Insurance Co.    	
Ecclesiastical Insurance Office Ltd.._
Economical Mutual Insurance Co—
Elite Insurance Co. 	
Emmco Insurance Co	
Employer's Liability Assurance Corp. Ltd-
Employers Mutual Fire Insurance Co-
Employers Mutual Liability Insurance Co. of Wisconsin-
English & American Insurance Co. Ltd 	
Excess Insurance Co. Ltd.    	
Federal Fire Insurance Co. of Canada...
Federal Insurance Co 	
290,825
825,735
334,675
2,447,981
~ 47,545
3,290,748
1,297,396
265,066
2,898,217
7,588,076
4,310
443,734
—10,917
539,545
45,777
13,259
"T671
272,815
818
— 7,068
38,953
5,378,435
"236,451
11,024
434,287
3,219,441
499,031
1,379,495
199,943
1,299
6,944,865
16,645,250
39,095
2,549
597,788
—29
3,237,247
4,312,982
1,287,313
290
386,022
1,987,190
2,620,503
1,719
194,836
665,195
—1,454
5,084,576
66,131
427,675
80,097
2,821
29,797
47,923
1,511,001
456,728
1,559,566
_30,207
330,894
683,160
119,478
1,433,888
2,178,050
1,174
-13,611
3,350
19,010
226,132
890
2367333
4,452
218,384
43,339
76,389
124,596
1,553,767
49,724
2,022
245,447
1,720
1,340,268
351,603
1,019,035
1,145,534
5,608
3,090,207
6,024,716
33,559
94,430
9,119
2,202,975
1,925,491
811,466
144,076
1,243,031
1,492,283
-14,437
131,166
128,675
-61,530
1,848,763
42,489
757,884
7,371
3,313
-186,376
Per Cent
16
182
136
x63
63
10
52
45
49
28
27
42
1
1,737
266
80
I     5,298
319
28
~2\
18
56
~41
70
73
572
431
44
36
85
~15
"68
44
63
_37
62
56
67
19
4,231
36
64
177
9
117
 58
BRITISH COLUMBIA
TABLE IV—PROPERTY INSURANCE PREMIUMS AND LOSSES
FOR  1976—Continued
(Figures shown in nearest dollar.  Direct claims include adjustment expenses.)
Name of Insurer
Direct Premiums
Written
(1)
Direct Losses
Incurred
(2)
Ratio of
(2) to(l)
$
1,261,334
297,570
145,553
$
604,371
88,745
13,703
Per Cent
47
29
9
—45,960
1,602,408
248
23,711
8,452
161,542
4,201,761
28,363
792,219
49
-1,314
26,207
25,707
1,681,330
310
15
Fruit Growers Mutual Insurance Co.
40
824,531
994,081
120
227,035
4,439,037
108,842
313,986
2,204,824
285,528
207,761
1,583,982
1,320
293,983
1,163,014
391,855
255,632
100,692
91
35
1
93
52
137
73,036
1,548
—3,762
11,099,815
350
6,504
4,796,383
43
3,190,000
133,317
1,057,862
281,715
60,331
1,184,680
922,236
15,081
533,417
—15,072
16,863
1,112,590
603,729
15,245,766
104,739
28
11
50
27
Imperial Guarantee & Accident Insurance Co. of Canada	
93
2,193,672
19,715,555
127,951
27
77
81
2,963
3,495
4,039
—36,226
188,931
105,261
2,029,000
1,754,889
2,640
419,096
6,530
17,172
1,015
40,037
—7,887
68,658
579
29
Liverpool & London & Globe Insurance Co. Ltd	
991
36
14,337
456,618
164,567
13
22
9
197,308
260,990
47
3,996
—53
351,231
—8,611
738,314
9,054
15,139
15,352,632
136,802
264
205,274
12,965
230,611
Mutual Fire" Insurance Cn   nf H C,
58
National Employers Mutual General Insurance Assoc. Ltd.
31
New Zealand Insurance Co,
-7
915
9,199,077
111,129
Non-Marine Underwriters, member of Lloyd's, London, Eng.
59
81
2,443,543
44,716
1,104,240
104,676
45
234
 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1976
59
TABLE IV—-PROPERTY INSURANCE PREMIUMS AND LOSSES
FOR  1976—Continued
(Figures shown in nearest dollar. Direct claims include adjustment expenses.)
Name of Insurer
Direct Premiums
Written
(1)
Direct Losses
Incurred
(2)
Ratio of
(2)to(l)
$
59,844
105,116
6,349
30,093
1,370
$
24,049
40,019
168
21,359
300
Per Cent
40
38
2
70
21
204
14,237
336,011
168,466
28,108
567,619
531,786
633,897
3,228,428
—18,531
556,636
220,967
290,486
526,357
82,896
367,892
1,112,393
15,246
165
131
1,033
92
15
Provincial Insurance Co. Ltd.. 	
58
34
232,860
63,412
4,813
791,566
1,415,408
9,669,005
6,172,752
1,457,252
747,838
65,203
524
2,165
523,084
797,537
5,587,191
2,590,351
477,388
352,456
28
44
66
56
57
41
32
47
11,473
163,227
290,225
574,257
121,937
2,779
5,640
198,620
35,706
42,132
24
3
68
6
34
1,800,228
1,159,025
887
1,110,520
726,785
61
62
State Farm Fire & Casualty Co	
-5,175
488,667
1,637,451
|         29
296,977
202,297
68
16,548
142,190
95
1          11
—24276
3,686,710
166,647
240,574
80,461
—58,964
2,358,901
3,707,362
157,563
96,731
|         63
1     2,224
|         66
65
United States Fidelity & Guaranty Co                	
358,432
1,359,437
54,948
61,533
864,163
6,990,393
20,004
|           393,592
644,522
34,821
|            39,469
931,226
4,997,061
303,165
|        109
47
63
|          64
107
71
1,515
2,045,592
1,683,511
459,257
4,405,064
1,096,470
585,529
181,731
53
1          34
|          39
2,201,425
49
Totals for 1976    	
209,699,313
112,421,738
53
Totals for 1975
137,819,237
97,113,518
1
71
1
 60
BRITISH COLUMBIA
TABLE V—PROPERTY INSURANCE SUMMARY
(000's omitted)
Year
Net
Premiums
Earned
Net
Losses
Incurred
Ratio Losses
Incurred to
Premiums
Earned
197?.
$
91,305
107,129
114,495
137,819
209,699
$
59,430
65,936
96,512
97,114
112,422
Per Cent
65
1973
61
84
1975
71
1976    	
53
 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1976 61
TABLE VI—RECIPROCAL EXCHANGE PREMIUMS AND LOSSES FOR 1976
Name of Exchange
Net
Premiums
Written
(1)
Net
Premiums
Earned
(2)
Net
Losses
Incurred
(3)
Net
Ratio of
(3) to (2)
Canners Exchange Subscribers at Warner Inter-Insurance
Bureau ,
123,854
1,754,889
112,200
1,465,362
—6,016
157,941
—58
10
245,112
245,111
—48,842
Totals for 1976 _	
2,123,854
1,822,674
103,083
5
Totals for 1975.	
244,215
260,640
431,975
326
 62
BRITISH COLUMBIA
TABLE VII—AUTOMOBILE INSURANCE PREMIUMS AND CLAIMS FOR 1976
(Figures shown in nearest dollar.   Direct claims include adjustment expenses.)
Name of Insurer
Direct Premiums
(1)
Direct Claims
(2)
$
1               $
2,358
629
32,733
—2,495
—2,460
-1,053
1,245
78,124
13,630
-510
73
72,557
2,614
—424
54,796
731
102,129
66,663
92,983
5,263
Canada Accident and Fire Assurance Co	
18,530
957
1,195
59,625
—92,594
—25,209
325,230
353
-116
556
—121
98,140
17,110
4,446
178,365
34,803
Century Insurance Co. of Canada	
98,668
29, 319
4,236
Commercial Union Assurance Co. of Canada       _    	
34,341
282,305
3,021
Consolidated Fire & Casualty Insurance Co	
4
74,108
-235
839
1,448
1,507
4,464
-5
147
—775,409
383,613
34,359
30,507
109,455
13,661
—158
-1
4,470
	
	
—3,082
F.lite Insurance Co.
16,059
11,183
—59340
Employers Mutual Liability Insurance Co. of Wisconsin	
-6,579
25,417
Excess Insurance Co. Ltd..	
1,966
250
6,271
—8,940
64,383
60,734
—7,658
Fidelity & Casualty Co. of New York
2,849
—16
3,450
—8,539
40,275
3,330
-97,704
2,911
167,628
General Accident Fire & Life Assurance Corp. Ltd	
General Insurance Co. of America 	
629
-19,065
 REPORT OF THE SUPERINTENDENT OF INSURANCE,  1976
63
TABLE VII—AUTOMOBILE INSURANCE PREMIUMS AND CLAIMS
FOR  1976—Continued
(Figures shown in nearest dollar.   Direct claims include adjustment expenses.)
Name of Insurer
Direct Premiums
(1)
Direct Claims
(2)
General Security Assurance Corp. of N.Y—
General Security Insurance Co. of Canada..
Gerling Global General Insurance Co.._	
Globe Indemnity Co. of Canada  	
Gore Mutual Insurance Co 	
Granite State Insurance Co 	
Great American Insurance Co. _
Great Eastern Insurance Co	
Guardian Assurance Co. Ltd	
-25
600
-147
Guardian Insurance Co. of Canada.
Guildhall Insurance Co. of Canada...
Halifax Insurance Co	
Hartford Fire Insurance Co	
Home Insurance Co.- 	
Hudson Bay Insurance Co..
49
-15
11,033
589
14,188
3,099
Ideal Mutual Insurance Co	
Imperial Guarantee & Accident Insurance Co. of Canada-
Insurance Co. of North America 	
2,649
Insurance Corporation of British Columbia.
Law, Union & Rock Insurance Co. Ltd.	
Liberty Mutual Fire Insurance Co	
Liberty Mutual Insurance Co...
-24
176,891,819
5,122
9,274
Liverpool & London & Globe Insurance Co. Ltd..
London & Edinburgh Insurance Co. Ltd—
London & Edinburgh General Insurance Co. of Canada-
London & Lancashire Insurance Co. Ltd  	
London & Midland General Insurance Co 	
London 8c Scottish Assurance Corp. Ltd 	
London Assurance  	
364
Lumbermen's Mutual Casualty Co.
Markel Insurance Co. of Canada	
Maryland Casualty Co  	
Merit Insurance Co  	
Missiquoi & Rouville Insurance Co..
Motors Insurance Corp..
-17
51,152
—816
171,612
Mutual Boiler & Machinery Insurance Co. 	
National Employers Mutual General Insurance Assoc. Ltd-
New Hampshire Insurance Co 	
New India Assurance Co. Ltd  	
Niagara Fire Insurance Co..
Non-Marine Underwriters, member of Lloyd's, London, Eng.
North American Co. for Property & Casualty Insurance	
North British & Mercantile Insurance Co. Ltd 	
Northern Assurance Co. Ltd   	
Norwich Union Fire Insurance Society Ltd  	
Ocean Accident & Guarantee Corp. Ltd  	
Old Republic Insurance Co _ 	
Olympic Insurance Co.   	
Orion Insurance Co. Ltd   	
Pacific Employers Insurance Co  	
Pearl Assurance Co.	
Perth Insurance Co—
-496
—3
-24
10,438
-8
-349
Phoenix Assurance Co. of Canada-
Provincial Insurance Co. Ltd—	
Prudential Assurance Co. Ltd—	
Quebec Assurance Co..
—52
—112
1,203
Queensland Insurance Co. Ltd..
Reliance Insurance Co	
Royal Exchange Assurance.
170
Royal General Insurance Co. Ltd	
Royal General Insurance Co. of Canada-
Royal Insurance Co. Ltd..
Royal Insurance Co. of Canada .
Safeco Insurance Co. of America	
St. Paul Fire 8c Marine Insurance Co...
Saskatchewan Mutual Insurance Co	
Scottish Canadian Assurance Corp—
265
4,285
2,734
226
1,058
—37
Scottish Union & National Insurance Co...
23,784
22,561
28,231
135,618
20,648
2,516
249,470
—26,991
294,904
43,322
—1,620
17,223
72,056
274,907,315
—141,964
10,296
—2
140,649
—1,099
—12,035
441,597
—37,907
153,803
32,574
155,159
38,626
-12,846
-44
131,624
-2,782
40,261
—101,941
—45,554
94,682
—127,986
-35,183
—9,548
13,288
514,597
-230,707
-24264
10,325
 ~27
 64
BRITISH COLUMBIA
TABLE VII—AUTOMOBILE INSURANCE PREMIUMS AND CLAIMS
FOR 1976—Continued
(Figures shown in nearest dollar.   Direct claims include adjustment expenses.)
Name of Insurer
Direct Premiums
(1)
Direct Claims
(2)
Security Mutual Casualty Co	
Sentry Insurance, A Mutual Co.	
Service Fire Insurance Co. of New York-
Sovereign General Insurance Co.	
Stanstead & Sherbrooke Insurance Co.	
State Farm & Fire Casualty Co—
567
-42
State Farm Mutual Auto Insurance Co-
Sun Alliance Insurance Co 	
Sun Insurance Office Ltd	
-211
252
Switzerland General Insurance Co. Ltd..
Toronto General Insurance Co	
Traders General Insurance Co 	
Transport Indemnity Co.  	
Transport Insurance Co 	
Travelers Indemnity Co-
Travelers Indemnity Co. of Canada .
Transportation Indemnity Co. of Canada .
Unigard Mutual Insurance Co	
Unionamerica Insurance Co	
4,644
—7
-17,430
23,646
501
57
Union Insurance Society of Canton Ltd-
United Canada Insurance Co..
United States Fidelity & Guaranty Co-
United States Fire Insurance Co	
Unity Fire & General Insurance Co.	
Utica Mutual Insurance Co 	
Victoria Insurance Co. of Canada	
Wawanesa Mutual Insurance Co.	
Wellington Fire Insurance Co	
Westchester Fire Insurance Co	
Westco Insurance Co.	
Western Assurance Co	
Western Union Insurance Co-
Yorkshire Insurance Co. Ltd—
Zurich Insurance Co	
481,414
-1,703
420
50
8,522
—323
45
4,661
Totals for 1976_
Totals for 1975_
178,230,108
1,389,556
$
2,217
1,424
—98,629
—50,417
130,760
-64,862
134,139
—246
14,625
—139
17,399
63,733
31,534
—119,172
358,863
28,422
-9,039
121
1,148
5,368
195,476
174,577
—13,419
113,332
~516\852
279,943,439
7,694,722
 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1976 65
TABLE VIII—MISCELLANEOUS INSURANCE PREMIUMS AND LOSSES FOR 1976
Fidelity
Surety
Name of Insurer
Net
Premiums
Written
Net
Losses
Incurred
Net
Premiums
Written
Net
Losses
Incurred
$
37~673
1,473
338
$
$
$
150,287
85
29,942
142,527
—482
Aetna Casualty & Surety Co _
21,376
Affiliated FM Insurance Co  	
	
2,487
5,226
—18,651
Beaver Insurance Co..   —  	
	
13,980
1,180
72,800
—750
1,307
432
333,613
—166
251
23,202
33
102,884
—571
21,202
—987
1,074
10,478
749,838
363,830
1,436
6,734
—4,715
2,151
777
28,750
88
1,929
-602
299
100
41,095
3,925
92,779
173
7,973
2,500
Constitution Insurance Co. of Canada	
129,559
11,942
193,975
13,589
6,480
71
30
35,342
10,375
59,129
-448
—506
107
45,204
12,316
Dominion of Canada General Insurance Co	
2,629
822
1,134,293
257,495
8,975
158
4,786
2,751
46,920
	
—1,911
37,125
6,447
Fidelity & Casualty Co. of New York  	
9,416
408
1,442,173
3,455
164,514
44,975
12,600
125
306
1,793
24,219
41
924
85,754
—38
18,728
7,121
14
686
4,268
279
268
14,326
87,733
1,884
2,209
1,202
2,238
22,947
24,036
—240
—25
118
600
487
20,804
234,336
3,151
56,753
143
1,092
2,356
2,788
42,174
101,317
-605
8,114
1,807
27,352
49,387
50,570
77,685
248
530
214
3,845
Insurance Corporation of British Columbia	
2,408
—       —
124
79
1,156
 66
BRITISH COLUMBIA
TABLE VIII—MISCELLANEOUS INSURANCE PREMIUMS AND LOSSES
FOR 1976—Continued
Fidelity
Surety
Name of Insurer
Net
Premiums
Written
Net
Losses
Incurred
Net
Premiums
Written
Net
Losses
Incurred
$
159
164
$
$
$
1,220
11,592
180,439
12,350
	
	
310
—6,086
6,000
2,225
8,475
—10
—2,130
300
5,448
—354
~103
—432
—5,672
1,459
2,273
12,285
30,810
73,712
1,599
9,453
2,629
4,066
26,140
131,821
13,258
1,826
1,560
50,378
6,000
4,068
15,511
—2,210
1,000
581
State Farm Fire & Casualty Co.               	
7,607
298
5,098
239
9,645
—200
—4,703
1
4,324
84,785
10,074
56,192
986
9,072
158,626
7,559
397,426
440
1
United States Fidelity * Guaranty Co,
17,980
21,950
2,494
2,578
568
3,402
162,643
19,212
2
1,875
—261
17,456
3,050
Western Union Insurance Co   	
Yorkshire Insurance Co. Ltd	
15,004
Zurich Insurance Co  .   	
5,549
Totals for 1976.   	
1,471,926
580,412
5,826,745
679,365
Totals for 1975 	
1,233,060
712,418
4,845,625
—791,146
 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1976
67
TABLE VIII—MISCELLANEOUS INSURANCE PREMIUMS AND LOSSES
FOR 1976—Continued
Liability
Boiler and Machinery
Name of Insurer
Net
Premiums
Written
Net
Losses
Incurred
Net
Premiums
Written
Net
Losses
Incurred
$
$
138
58,318
82,856
1,334,962
137
$
$
1,281
89,391
50,666
125,921
86
196
9
2,443
7,086
587,389
328,524
213
1,673,352
623,034
—32,615
421,512
35,595
	
334,027
5,808
—765
—18,148
6,794
1,287,582
372,323
51,516
—15,409
	
33,382
2
4,371
1,375
5,363,072
25,519
11,620
30,321
239,214
80,608
14,249
4,914
—26,720
9,772
2,376,968
1,490
3,008
28,514
—21,632
56,636
20,675
7,137
223
1,088
128,492
15,160
1,354,090
142,305
438
	
3,734,454
401,989
53,117
5,625
38,059
—19,056
1,979
585
361
287,735
246,031
72,184
1,753
47,862
287,485
192,980
3,918
1,061
52,674
—75
238,283
39,909
176,618
223,242
182,403
19,487
9,024
177,547
104,572
2,931
18,514
—5,371
69,953
91,851
5,289
16,967
310
—2,229
Dominion of Canada General Insurance Co 	
 	
—8,629
154,336
72
1,178
68
8,381
256,882
25,060
316,917
936,271
6,853
22,655
 68
BRITISH COLUMBIA
TABLE VIII—MISCELLANEOUS INSURANCE PREMIUMS AND LOSSES
FOR 1976—Continued
Liability
Boiler and Machinery
Name of Insurer
Net
Premiums
Written
Net
Losses
Incurred
Net
Premiums
Written
Net
Losses
Incurred
$
$
$
$
15,688
—280
791,265
11,630
26,555
135,875
1,184
7
-58
543,533
—188
27,533
469,127
142,330
54,495
5,718
163,564
16,767
460,036
12,375
23,235
14,846
114,160
338,572
103 902
—10,505
713
221,943
32,311
120,017
4,572
1,092
6,472
30
1,562
103,271
3,503
4
1,502,379
880,774
45,316
17,710
371,546
396,635
63,512
3,309
1,142
312,875
132,798
1,357
96,091
127,818
9
1,740
1,006
1,156
510,036
23,016
5,215
6,756
2,204,584
71,006
2,694
1,051,976
—14,423
196,250
10
336,582
244,589
—79,515
1,151
1,217
6,896
7,007
1,396
29,601
1,775
2,505
526
13,132
—7,181
180,048
9,634
21,225
—79
95,420
Midland Insurance Co	
—474
54,134
—31,236
—656
127,934
—2,027
38,060
30
Non-Marine Underwriters, member of Lloyd's of London, Eng...
North British & Mercantile Insurance Co. Ltd 	
902,468
	
Northern Assurance Co. Ltd 	
	
Northumberland General Insurance Co _	
47,487
1,610
Ocean Accident & Guarantee Corp. Ltd— ',	
10,483
6,769
40
1,989
7,584
—1,073
—250
696
	
Orion Insurance Co. Ltd 	
Pearl Assurance Co          	
349
Phoenix Assurance Co. of Canada-	
23,368
1,290
48,099
Pitts Insurance Cn
 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1976
69
TABLE VIII—MISCELLANEOUS INSURANCE PREMIUMS AND LOSSES
FOR 1976—Continued
Liability
Boiler and Machinery
Name of Insurer
Net
Premiums
Written
Net
Losses
Incurred
Net
Premiums
Written
Net
Losses
Incurred
$
$
$
-99,512
7,261
$
246,134
59,213
399,957
20,331
817,288
537
3,525
13,330
42,615
105
Royal General Insurance Co. of Canada	
160,889
229,089
1,375,255
812,938
174,127
40,971
86,048
55,386
1,606,304
299,453
179,531
19,601
8,568
31,487
200,980
7,409
9,942
2,590
1,230
6,600
7,283
401
1,430,165
18,097
9
1,801
18,725
—48
1,027,764
—1,181
—638
74,517
	
164,561
26,938
1,206
22,439
15,000
22,606
91
40,235
331,756
68,473
783,248
626
835,081
3,000
500
5,896
107
9,226
103,873
17,378
279,317
1,103,611
2,688
4,171
100,438
628,864
214
335,047
109,761
323
10,214
565,723
183
7
16,672
247,013
66,040
233,803
41,618
15,132
—1,044
347,721
213,632
4,435
11,109
Totals for 1976 _     	
27,091,927
22,324,937
4,831,093
1,831,422
Totals for 1975 _   	
18,719,092
11,234,423
3,931,000
489,197
 70
BRITISH COLUMBIA
TABLE VIII—MISCELLANEOUS INSURANCE PREMIUMS AND LOSSES
FOR 1976—Continued
Name of Insurer
Aircraft
Net
Premiums
Written
Net
Losses
Incurred
Marine
Net
Premiums
Written
Net
Losses
Incurred
Aetna Casualty Co. of Canada-
Aetna Casualty & Surety Co	
Aetna Insurance Co 	
Affiliated FM Insurance Co—
.Alliance Assurance Co. Ltd—
American Casualty Co-
American Home Assurance Co. Ltd	
Assurance Generales de France	
Aviation 8c General Insurance Co. Ltd-
Bishopgate Insurance Co. Ltd	
British American Assurance Co	
British Aviation Insurance Co. Ltd	
British Economic Insurance Co. Ltd	
Buffalo Insurance Co 	
Canadian Indemnity Co-
Canadian Universal Insurance Co. Ltd-
Centennial Insurance Co 	
Century Insurance Co. of Canada-
Chateau Insurance Co	
Commercial Union Assurance Co. Ltd 	
Commercial Union Assurance Co. of Canada-
Commonwealth Insurance Co	
Constitution Insurance Co. of Canada-
Continental Insurance Co	
Coronation Insurance	
48,038
206,020
812,689
316,886
176,629
256,228
1,390
233,434
128,991
198
1,110
252,774
1,078,291
67,113
27,171
296,445
19,313
19,210
-154
140
Co-operative Fire & Casualty Co-
Dominion Insurance Corp 	
Drake Insurance Co. Ltd. 	
Eagle Star Insurance Co. Ltd-
175,075
Eagle Star Insurance Co. of Canada-
Eaton Insurance Co   —
Economic Insurance Co. Ltd-
Elite Insurance Co	
English & American Insurance Co. Ltd—
Federal Insurance Co	
2,902
641,250
37,376
129,480
18,833
148,354
29,079
140,488
11,952
1,392,603
—277
249,673
2,280,564
550,986
425
4:V31
Federation Insurance Co. of Canada-
Fireman's Fund Insurance Co..
Fireman's Insurance Co. of Newark, N.J..
Foremost Insurance Co. of Grand Rapids, Mich-
General Accident Fire & Life Assurance Corp. Ltd-
General Security Insurance Co. of Canada	
Globe Indemnity Co. of Canada	
Gore Mutual Insurance Co	
Great American Insurance Co	
Great Eastern Insurance Co    _
Guardian Assurance Co. Ltd  	
Guardian Insurance Co. of Canada..
Halifax Insurance Co	
Hanover Insurance Co  	
Hartford Fire Insurance Co	
Home & Overseas Insurance Co. Ltd—
Home Insurance Co  _	
Hudson Bay Insurance Co..
21,714
-1,929
12
"—125
Imperial Guarantee & Accident Insurance of Canada -
Indemnity Marine Assurance Co. Ltd 	
Insurance Co. of North America	
Insurance Corporation of British Columbia-
Insurance Corporation of Ireland Ltd	
Liberty Mutual Fire Insurance Co 	
Liberty Mutual Insurance Co...
138,741
70,128
Liverpool & London & Globe Insurance Co. Ltd-
London & Hull Maritime Insurance Co. Ltd	
London & Lancashire Insurance Co. Ltd 	
London & Scottish Assurance Corp  	
London Assurance	
Lumbermen's Mutual Casualty Co-
Malvern Insurance Co. Ltd	
2,237
6,012
63,138
117,818
	
2,499
8,225
191,277
20,507
-268,889
—3,817
6,751
1,414
182
3,325
356,645
703
176,129
19,208
6,531
322
-247
1,399,350
2,294,399
19,313
408,467
40,046
19,313
13
94,755
-11,004
66,034
23,844
19,538
2,054
1,569,891
71,260
141,652
2,270,768
566,289
—87
1,591
—2,722
108,119
46,927
—393,294
-461,815
54,376
110,921
-2,040
149,717
25,910
2,124,543
2,042,429
—570
27,524
77
84,186
1,302
24,408
 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1976
71
TABLE VIII—MISCELLANEOUS INSURANCE PREMIUMS AND LOSSES
FOR 1976—Continued
Aircraft
Marine
Name of Insurer
Net
Premiums
Written
Net
Losses
Incurred
Net
Premiums
Written
Net
Losses
Incurred
$
i    $
$
1,874
752,339
$
1,581
—77,635
323,204
707,323
	
56,492
30,888
2,804
5,859,780
3,812,277
3,797
93
136,815
84,185
1,657,586
1,499,244
2,952,676
860,207
Phoenix Assurance Co. Ltd. -	
377,155
265,605
177,409
19,065
133,617
527
241,275
22,275
34,676
34,378
118,970
753
197
42,858
—104
14,937
6,190
20,469
6,564
355,557
9,657
19,208
416,248
10,584
26,119
2,219,113
2,041,773
382,420
18,503
193,980
22,275
183,696
105,492
1,076,382
668,407
95,638
289,209
—70,280
203,133
2,313
10,280
46,188
	
6,915
49,273
17,208
2,202
—66,872
1,850
7,168
—1,368
	
2,320,602
1,095,986
250
56,522
32,936
15,838
Totals for 1976   -              	
14,229,274
11,771,868
17,666,065
12,055,654
Totals for 1975    „
13,515,749
8,778,920
12,640,138
10,299,683
 72
BRITISH COLUMBIA
TABLE VIII—MISCELLANEOUS INSURANCE PREMIUMS AND LOSSES
FOR 1976—Continued
Credit
Title and Mortgage
Name of Insurer
Direct
Premiums
Written
Direct
Losses
Incurred
Direct
Premiums
Written
Direct
Claims
Incurred
$
50,412
$
110,767
$
$
51
1,544
522,332
2,200
18,766
557,509
455,053
2,552,672
756,697
571,351
Royal General Insurance Co. of Canada 	
43,634
16,103
Sovereign Mortgage Insurance Co                  	
140,911
Totals for 1976
651,555
583,518
3,833,901
731,028
Totals for 1975    ._	
146,637
44,422
3,580,620
88,908
'
 r
REPORT OF THE SUPERINTENDENT OF INSURANCE, 1976
73
TABLE VIII—MISCELLANEOUS INSURANCE PREMIUMS AND LOSSES
FOR  1976—Continued
Name of Insurer
Personal Accident and Sickness
Net
Premiums
Written
Net
Losses
Incurred
Abbey Life Insurance Co. of Canada..
Acadia Insurance Co 	
Aetna Insurance Co   	
Aetna Life Insurance Co 	
Alliance Assurance Co. Ltd. 	
Allianz Insurance Co..
Alliance Mutual Life Insurance Co-
Allstate Insurance Co  	
Allstate Insurance Co. of Canada 	
Allstate Life Insurance Co. of Canada .
American Banker's Insurance Co. of Florida 	
American Banker's Life Assurance Co. of Florida-
American Casualty Co-
American Health 8c Life Insurance Co-
American Home Assurance Co	
Bankers Life Co  	
B.C.A.A. Insurance Co	
British America Assurance Co	
British Aviation Insurance Co. Ltd	
British Columbia Motorist Insurance Co-
British Pacific Life Insurance Co	
Canada Accident & Fire Assurance Co	
Canada Health 8c Accident Assurance Corp-
Canada Life Assurance Co	
Canada Security Assurance Co 	
Canadian Indemnity Co..
Canadian Premier Life Insurance Co-
Capitol Life Insurance Co	
Casualty Co. of Canada-
Citadel Insurance Co. of Canada Ltd-
CNA Assurance Company-
Combined Insurance Co. of America	
Commercial Union Assurance Co. Ltd-
Commercial Union Assurance Co. of Canada..
Compagnie D'Assurance du Quebec	
Confederation Life Insurance Co 	
Connecticut General Life Insurance Co	
Constellation Life Assurance Co. of Canada-
Constitution Insurance Co. of Canada	
Continental Assurance Co	
Continental Casualty Co.	
Continental Insurance Co	
Co-operative Fire & Casualty Co-
Credit Life Insurance Co	
Crown Life Insurance Co	
Cuna Mutual Insurance Society..
Cumis Insurance Society Inc.
Desjardins Mutual Life Assurance Co-
Dominion Insurance Corp	
Dominion Life Assurance Co..
Dominion of Canada General Insurance Co-
Eagle Star Insurance Co. of Canada	
Eaton Insurance Co   	
Eatton Life Assurance Co. 	
Economical Mutual Insurance Co	
Emmco Insurance Co-
Employers' Liability Assurance Corp. Ltd	
Employers Mutual Liability Insurance Company of Wisconsin-
Empire Life Insurance Co..
English & American Insurance Co. Ltd	
Equitable Life Assurance Society of the United States..
Equitable Life Insurance Co. of Canada	
Excelsior Life Insurance Co	
Federal Life 8c Casualty Co  	
Federated Life Insurance Co  	
Federated Mutual Insurance Co	
Fireman's Fund Insurance Co	
14,589
2,329,682
3,930
1,538,715
25
11,791
309,062
145
1,309
1,541
16,308
20
43,778
21,938
733
522,941
5,950
1,225,069
29,447
2,693
261,122
5,396
140,389
13,194
39,511
11,943
3,233,058
2,913,543
15
40,489
176,632
5
8
30,463
118,729
200
3,015,976
1,254,022
2,149,174
394,582
416,323
106
7,310,182
52,927
937,066
2,384
4,431
208,791
148
3,257,243
9,690
768,273
2,808
4,470
247,266
274,048
14,275
18,888,023
54,751
—69
89,135
182,293
7,312
14,265,339
46,264
224,195
807,462
42,136
27,303
388,287
38,766
4,846
510,240
8,184
5,333
6,330
404,815
2,488
10,186
80
549,323
202,656
3,415,937
418,941
6,522
808,914
135,228
3,248,324
290,970
688
1,752
7,342
 74
BRITISH COLUMBIA
TABLE VIII—MISCELLANEOUS INSURANCE PREMIUMS AND LOSSES
FOR  1976—Continued
Name of Insurer
Personal Accident and Sickness
Net
Premiums
Written
Net
Losses
Incurred
Fireman's Insurance Co. of Newark, N.J  	
Ford Life Insurance Co   -
Foresters Indemnity Co    	
Franklin Life Insurance Co    	
Fraser Valley Mutual Insurance Co	
Fruit Growers Mutual Insurance Co	
Gamble Alden Life Insurance Co 	
General Accident Assurance Co. of Canada 	
General Accident Fire & Life Assurance Corp. Ltd	
General Fire & Casualty Co    	
Globe Indemnity Co. of Canada  	
Globe Life Insurance Co   —
Great American Insurance Co.-  .	
Great Eastern Insurance Co. 	
Great-West Life Assurance Co 	
Guardian Assurance Co. Ltd   	
Guardian Insurance Co. of Canada	
Guildhall Insurance Co. of Canada  	
Halifax Insurance Co   	
Hartford Fire Insurance Co. _ 	
Hudson Bay Insurance Co   	
Imperial Guarantee 8c Accident Insurance of Canada  —
Imperial Life Assurance Co. of Canada. 	
Income Disability 8c Reinsurance Co. of Canada	
Industrial Indemnity Co    	
Insurance Co. of North America	
Insurance Corporation of British Columbia.— 	
John Hancock Mutual Life Insurance Co  	
Laurier Life Insurance Co — - - —
Liberty Mutual Insurance Co. - —	
Life Insurance Co. of North America  	
Liverpool 8c London & Globe Insurance Co. Ltd	
London & Lancashire Insurance Co. Ltd.. — 	
London & Midland General Insurance Co  - -	
London & Scottish Assurance Corp. Ltd—   —
London Assurance    — —
London Life Insurance Co—   —
Royal Protective Life Insurance Co  -   —
Lumbermen's Mutual Casualty Co   - —
Maccabees Mutual Life Insurance Co    -
Manufacturers Life Insurance Co. —   - —
Maritime Life Assurance Co —   	
Markel Insurance Co. of Canada    	
Maryland Casualty Co    	
Massachusetts Indemnity & Life Insurance Co— — —
Metropolitan Life Insurance Co.— - — 	
Ministers Life & Casualty Union	
Montreal Life Insurance Co  - _  	
Mony Life Insurance Co. of Canada  —
Mutual Life Assurance Co. of Canada _ — 	
Mutual Life Insurance Co. of New York   	
Mutual of Omaha Insurance Co  	
National Life Assurance Co. of Canada 	
New York Life Insurance Co  	
Niagara Fire Insurance Co	
Non-Marine Underwriters, member of Lloyd's of London, Eng..
North American Co. for Property & Casualty Insurance	
North American Life & Casualty Co	
North American Life Assurance Co	
North British & Mercantile Insurance Co. Ltd	
Northern Assurance Co. Ltd - 	
Northern Life Assurance Co. of Canada	
North West Life Assurance Co. of Canada 	
Norwich Union Fire Insurance Society Ltd 	
Occidental Life Insurance Co. of Calif— 	
Ocean Accident Sc Guarantee Corp. Ltd	
Old Republic Life Insurance Co  _ 	
85,874
6,444
458
7,937
2,782
300
6,201
78
1,713
376
2,450
	
9,080,700
6,400,563
226,995
171,070
1,174
368
39
2,617
1,120
17,111
1,681,841
235
585,029
57,886
36,769
44,700
43,424
1,031
95,472
79
266,710
21,885
43,001
18,011
—76
204,944
443
258,211
448,077
228
4,354,612
338,620
4,292
27,959
3,830,986
55,593
1,610
156,993
190,288
—122,737
40
87,271
87,057
—476,905
1,409,204
2,819
24,735
48,525
5,119,543
138,363
3,935,687
2,109,921
825,344
1,172,636
2,877
722
38,297
3,918,869
102,578
2,847,816
1,386,599
708,852
1,196,493
2,354
181,365
66,719
46,671
5,947
79,250
562
3,140
67,316
2,006,995
1,497,700
63,671
 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1976
75
TABLE VIII—MISCELLANEOUS INSURANCE PREMIUMS AND LOSSES
FOR 1976—Continued
Personal Accident and Sickness
Name of Insurer
Net
Premiums
Written
Net
Losses
Incurred
$
877,335
—33
443,745
121
—953
58,668
3,216
182,874
4,901,680
—135
$
480,135
172,473
4,905
32,821
—2,274
116,510
4,470,864
31,427
Queensland Insurance Co. Ltd  .	
	
35,977
27,882
131,029
553,898
7,626
10,254
■Rnval Insurance Cn. T.fH
31,177
142,926
—809
3,039,759
10,960
323
81,869
1,295,409
4,531
State Farm Fire & Casualty Co                 	
225
5,335,817
5,688,394
884,844
2,559,061
83,438
487,855
Travelers Life Insurance Co. of Canada..  	
2,223,486
77,231
1,620
24,319
1,376
76,323
2,252
1
15,173
2,229
9,432
6,200
—152,378
Totals for 1976	
99,533,009
70,780,950
Totals for 1975                          	
71,730,189
53,801,328
 76
BRITISH COLUMBIA
TABLE IX—OTHER INSURANCE (TABLE VIII)  SUMMARY
(000's omitted)
Class of Insurance
I I I
1972  I   1973      1974  I
I I !
1975
1976*
Property, P...
Property, L—
Fidelity, P	
Fidelity, L	
Surety, P	
Surety, L—
Boiler and machinery, P	
Boiler and machinery, L.	
Guarantee fidelity and surety, P—
Guarantee fidelity and surety, L—
Liability, P	
Liability, L	
Personal accident and sickness, P—
Personal accident and sickness, L...
Aircraft, P	
Aircraft, L.  -
Marine, P.	
Marine, L	
Other forms, P	
Other forms, L	
$
91,305
59,430
2,598
353
3,801
2,760
12,319
5,824
39,975
28,016
8,560
3,223
8,381
4,332
906
5
$
107,129
65,936
984
437
3,115
502
2,476
3,394
12,726
8,862
54,478
39,180
7,563
6,257
10,639
5,572
3,618
65
$
114,511
96,506
1,055
393
3,425
1,470
4,211
6,252
15,225
8,403
65,447
48,739
8,899
7,769
13,680
6,673
3,691
56
$
137,819
97,144
1,233
712
4,846
—791
3,931
489
209,699
112,422
1,472
580
5,827
679
4,831
1,831
27,092
22,325
99,533
70,781
14,229
11,772
17,666
12,056
4,485
1,214
Totals, P-
Totals, L..
167,845      |    202,728      |    230,144      |    268,160      |    384,834
103,943      |    130,205      |    176,261      |    181,770      |    233,660
I
P.—Premiums.       L.—Losses.
* Includes Insurance Corporation of British Columbia—Premium $27,708, Losses $18,636.
Queen's Printer for British Columbia ©
Victoria, 1980
1M-1279-8925

Cite

Citation Scheme:

        

Citations by CSL (citeproc-js)

Usage Statistics

Share

Embed

Customize your widget with the following options, then copy and paste the code below into the HTML of your page to embed this item in your website.
                        
                            <div id="ubcOpenCollectionsWidgetDisplay">
                            <script id="ubcOpenCollectionsWidget"
                            src="{[{embed.src}]}"
                            data-item="{[{embed.item}]}"
                            data-collection="{[{embed.collection}]}"
                            data-metadata="{[{embed.showMetadata}]}"
                            data-width="{[{embed.width}]}"
                            data-media="{[{embed.selectedMedia}]}"
                            async >
                            </script>
                            </div>
                        
                    
IIIF logo Our image viewer uses the IIIF 2.0 standard. To load this item in other compatible viewers, use this url:
https://iiif.library.ubc.ca/presentation/cdm.bcsessional.1-0378781/manifest

Comment

Related Items