{"AIPUUID":[{"label":"AIP UUID","value":"dfd7ebff-780b-40e0-ad70-442861a9a4cf","attrs":{"lang":"en","ns":"https:\/\/open.library.ubc.ca\/terms#identifierAIP","classmap":"oc:DigitalPreservation","property":"oc:identifierAIP"},"iri":"https:\/\/open.library.ubc.ca\/terms#identifierAIP","explain":"UBC Open Collections Metadata Components; Local Field; Refers to the Archival Information Package identifier generated by Archivematica. This serves as a link between CONTENTdm and Archivematica."}],"AggregatedSourceRepository":[{"label":"Aggregated Source Repository","value":"CONTENTdm","attrs":{"lang":"en","ns":"http:\/\/www.europeana.eu\/schemas\/edm\/dataProvider","classmap":"ore:Aggregation","property":"edm:dataProvider"},"iri":"http:\/\/www.europeana.eu\/schemas\/edm\/dataProvider","explain":"A Europeana Data Model Property; The name or identifier of the organization who contributes data indirectly to an aggregation service (e.g. Europeana)"}],"AlternateTitle":[{"label":"Alternate Title ","value":"REPORT OF THE SUPERINTENDENT OF INSURANCE, 1975","attrs":{"lang":"en","ns":"http:\/\/purl.org\/dc\/terms\/alternative","classmap":"dpla:SourceResource","property":"dcterms:alternative"},"iri":"http:\/\/purl.org\/dc\/terms\/alternative","explain":"A Dublin Core Terms Property; An alternative name for the resource.; Note - the distinction between titles and alternative titles is resource-specific."}],"CatalogueRecord":[{"label":"Catalogue Record","value":"http:\/\/resolve.library.ubc.ca\/cgi-bin\/catsearch?bid=1198198","attrs":{"lang":"en","ns":"http:\/\/purl.org\/dc\/terms\/isReferencedBy","classmap":"edm:ProvidedCHO","property":"dcterms:isReferencedBy"},"iri":"http:\/\/purl.org\/dc\/terms\/isReferencedBy","explain":"A Dublin Core Terms Property; A related resource that references, cites, or otherwise points to the described resource."}],"Collection":[{"label":"Collection","value":"Sessional Papers of the Province of British Columbia","attrs":{"lang":"en","ns":"http:\/\/purl.org\/dc\/terms\/isPartOf","classmap":"dpla:SourceResource","property":"dcterms:isPartOf"},"iri":"http:\/\/purl.org\/dc\/terms\/isPartOf","explain":"A Dublin Core Terms Property; A related resource in which the described resource is physically or logically included."}],"Creator":[{"label":"Creator","value":"British Columbia. Legislative Assembly","attrs":{"lang":"en","ns":"http:\/\/purl.org\/dc\/terms\/creator","classmap":"dpla:SourceResource","property":"dcterms:creator"},"iri":"http:\/\/purl.org\/dc\/terms\/creator","explain":"A Dublin Core Terms Property; An entity primarily responsible for making the resource.; Examples of a Contributor include a person, an organization, or a service."}],"DateAvailable":[{"label":"Date Available","value":"2019-03-11","attrs":{"lang":"en","ns":"http:\/\/purl.org\/dc\/terms\/issued","classmap":"edm:WebResource","property":"dcterms:issued"},"iri":"http:\/\/purl.org\/dc\/terms\/issued","explain":"A Dublin Core Terms Property; Date of formal issuance (e.g., publication) of the resource."}],"DateIssued":[{"label":"Date Issued","value":"1977","attrs":{"lang":"en","ns":"http:\/\/purl.org\/dc\/terms\/issued","classmap":"oc:SourceResource","property":"dcterms:issued"},"iri":"http:\/\/purl.org\/dc\/terms\/issued","explain":"A Dublin Core Terms Property; Date of formal issuance (e.g., publication) of the resource."}],"DigitalResourceOriginalRecord":[{"label":"Digital Resource Original Record","value":"https:\/\/open.library.ubc.ca\/collections\/bcsessional\/items\/1.0377949\/source.json","attrs":{"lang":"en","ns":"http:\/\/www.europeana.eu\/schemas\/edm\/aggregatedCHO","classmap":"ore:Aggregation","property":"edm:aggregatedCHO"},"iri":"http:\/\/www.europeana.eu\/schemas\/edm\/aggregatedCHO","explain":"A Europeana Data Model Property; The identifier of the source object, e.g. the Mona Lisa itself. This could be a full linked open date URI or an internal identifier"}],"FileFormat":[{"label":"File Format","value":"application\/pdf","attrs":{"lang":"en","ns":"http:\/\/purl.org\/dc\/elements\/1.1\/format","classmap":"edm:WebResource","property":"dc:format"},"iri":"http:\/\/purl.org\/dc\/elements\/1.1\/format","explain":"A Dublin Core Elements Property; The file format, physical medium, or dimensions of the resource.; Examples of dimensions include size and duration. Recommended best practice is to use a controlled vocabulary such as the list of Internet Media Types [MIME]."}],"FullText":[{"label":"Full Text","value":" PROVINCE OF BRITISH COLUMBIA\nSixty-fifth Annual Report\nof the\nSUPERINTENDENT OF\nINSURANCE\n1976\n(Business Transacted in 1975)\nPrinted by K. M. MacDonald, Printer to the Queen's Most Excellent Majesty\nin right of the Province of British Columbia.\n1977\n  To Colonel the Honourable Walter S. Owen,\nLieutenant-Governor of the Province of British Columbia:\nMay it please Your Honour:\nThe undersigned has the honour to present the Sixty-fifth Annual Report of\nthe Superintendent of Insurance for the year ended December 31, 1975.\nK. RAFE MAIR\nMinister of Consumer and Corporate Affairs\nVictoria, B.C., November 1,1976.\n  TABLE OF CONTENTS\nPage\nReport of the Superintendent of Insurance     7\nList as at June 30, 1976\u2014\nInsurers Licensed    9\nFraternal Benefit Societies Licensed Under the Insurance Act  31\nReciprocal Exchanges Granted Permits  32\nSocieties (Incorporated Under the Societies Act) Licensed Under the\nInsurance Act  32\nAnnual Statements of Provincial Licensees\u2014\nThe British Columbia Insurance Company  33\nB.C.A.A. Insurance Company  35\nThe Mutual Fire Insurance Company of British Columbia  38\nPacific Coast Fishermen's Mutual Marine Insurance Company  40\nRoberts Mutual Fire Insurance Company  42\nSeaboard Life Insurance Company  44\nWestco Insurance Company  48\nTables\nLife Insurance\u2014\nI. Business of 1975  50\nII. Summary, 1971-75  55\nFraternal Societies\u2014\nIII. Business of 1975  56\nProperty Insurance\u2014\nIV. Business of 1975  57\nV. Summary, 1971-75  60\nReciprocal Exchanges\u2014\nVI. Business of 1975  61\nAutomobile Insurance\u2014\nVII. Business of 1975  62\nMiscellaneous Classes of Insurance\u2014\nVIII. Business of 1975\n  Report of the Superintendent of Insurance\nDepartment of Insurance,\nVictoria, B.C., August 30, 1976.\nThe Honourable K. Raje Mair,\nMinister oj Consumer and Corporate Affairs\nSir: Pursuant to the Insurance Act, I beg to submit the Sixty-fifth Annual\nReport to the Department of Insurance covering the year ended December 31, 1975.\nAt that date, 329 insurers were licensed under the Act to transact business.\nThe following summary indicates the origin of the insurers, how many hold only\nProvincial licences, and how many had Federal registry in addition to a Provincial\nlicence:\nWhere Incorporated\nProvincial\nLicence\nFederal\nRegistry\nTotal\n6\n9\n9\n1\n1\n7\n126\n29\n1\n1\n1\n1\n2\n3\n1\n2\n1\n1\n1\n3\n130\n13\n135\n38\n1\n1\n1\n2\n2\nHolland\n3\n1\n2\n1\n1\n2\n3\nUnited Statfis\n130\nTotals\t\n26\n310\n336\nA complete list of insurers will be found on pages 9 to 32. For purposes of\nconvenience, the present list is made up to June 30, 1976, so that it includes insurers\nlicensed since December 31, 1975, and shows the classes of insurance for which\neach is licensed.\nDuring the year, eight insurers ceased to transact business in the Province\nwhile 25 new insurers were licensed. On analysis, the list shows that 126 companies\n(exclusive of fraternal societies) were licensed for life insurance, 168 for fire insurance, and 86 for marine insurance. These cover only the major classes of insurance,\nand it should be understood that the same company may be licensed, for example,\nfor fire, life, and marine insurance.\nThe annual statements of these companies incorporated by or under an Act\nof the Legislature are set forth at length on pages 33 to 49.\nThe taxes collected on unlicensed insurance amount to $128,000.\nThe number of insurance agents' and salesmen's licences issued for the year\n1975 is given below, together with a comparative table for the previous four years.\n S 8\nBRITISH COLUMBIA\nAll licences in the insurance industry now have a pre-licence examination requirement.\nLicences Issued t\n1975\n1974\n1973\n1972\n1971\nLife insurance agents\t\nOther-than-life insurance agents.\nInsurance salesmen\t\nInsurance adjusters...\nEmployees of insurance adjusters-\nTotals\t\n4,427\n1,737\n347\n58\n71\n4,819\n2,260\n471\n120\n158\n5,100\n2,318\n529\n123\n178\n6,640\n7,828\n8,248\n4,780\n2,573\n1,592\n121\n203\n8,269\n5,104\n2,667\n551\n176\n205\nS.703\nThe number of real estate agents' and salesmen's licences issued under the\nReal Estate Act for the year 1975\/76, in comparison with the previous four years,\nis as follows:\nLicences Issued to\u2014\n1975\/75\n1974\/75\n1973\/74\n1972\/73\n1971\/72\n2,510\n8,813\n1,913\n9,021\n1,802\n8,600\n1,493\n7,396\n1,380\n7,145\nTotals      \t\n11,323\n10,934\n10,402\n8,889\n8,525\nPursuant to Part 1 of the Real Estate Act, documents have been processed and\nfiled in connection with 750 subdivisions since my last report.\nThe number of collection agents' licences issued for the year 1975 is given\nbelow, together with a comparative table for the previous three years:\nYear\nLicence Issued\nto Collection\nAgents\nYear\nLicence Issued\nto Collection\nAgents\n1975\t\n       129\n1973 \t\n       151\n1974\t\n       153\n1972 \t\n       144\nThe association President for the 1976\/77 term is Gordon French, Superintendent of Insurance, Province of Newfoundland; Secretary, M. A. Thompson, Superintendent of Insurance, Province of Ontario.\nFollowing the election of officers, the superintendents accepted the invitation\nof the Federal Superintendent of Insurance to hold the 1976 conference at Halifax,\nN.S., commencing September 26, 1976.\nRespectfully submitted.\nE. T. CANTELL\nSuperintendent oj Insurance\n REPORT OF THE SUPERINTENDENT OF INSURANCE,  1975\nS 9\ng\nH\n<l\n175\nS_s\nop\npp-p u\n\u00b0E\nis\n\u2022OK\n S 10\nBRITISH COLUMBIA\n\"a\nS\n.5\nc\nJ9.\n*\"\u00bbH    O\nflit\nsill\n\"r    S    ES\na     j- \u00a3\n5 o-2^\n3 I'S \u00b0\n. o g 3\n8 a ..a\na _2 t-p\n\u2022i pq   fl)   fl)\npi   \u00ab _i3   u\n3 _*3\u00ab\n31 .S   fl) -M\n\u00bb    .JO\n0 j -PJ o\n'\u25a0s\u201e-a\nJ8.3-S\n\"   M   g\ng c .\u00a7\ni-s;\n\u00a7 .5 -5 .\nrt ~   C   .\n' 6   \u00b0\nSot; ~ i\nO     \u201e c\n*\u25a0\u00bb_*\u00ab\u25a0>\"\n00       *^   c\n&%\nS cr ?->\n\u00a3~ \u00ab\nP-   (A\n\u20228:3\n\u25a0i>\nr.32    3    J\u00a3     g>\n*.& 9 e  O  O\n)  & tn ,22 o  o\n1 2 - \u201e \u25a0$ -s\nr   to  S\nr & cj \u00ab -a 13\n3   \u201e > & c a\n3   w  .    O  <U  <u\nj  \u00ab.___   ftSS\n;S8E\u00ab\"\n33&S||\n! n'S o o o\ni \u00a3? \u2022-;      a) oj\n\u00ab S\"s n \u00b0p\n\u201e fl) A   o    \u201e    _,\n> fl) ,4>\n\".  S,\u00b0    Op\nGout; -\nO U t) O w\n'43   & S   cn  fl)\no o) 55 0 o\n& H J S -3\nc \"3 ., \u00b0\"a\n2 5 \u00a3 \u00b0 S\nrt u >, \u00a3 -a\na ^- \u00b0 *ro\nu \u00ab rt w c\n\" I S3 -2 \u00a7\n% E-e n S)\n\u201e& 3 \u00a3 ~\np-p  to pp\n_2 i j\n*   fl)3\nV\nVi\n-a\nc\n*\nirt\no\na^\nCJ\n\u00ab\n.9\nCJ\nJ5\n\u20223\n\u2022n\nrt\n&\n\u00a7\nis\n5\ni\n\u00a3\nof\nto\no\n\u25a0S\nEj\ncn\n^\u2022a\n<i>\nC\nfl)\na\no\nc\nr\nrt\no\n(Tl\na\n*\ns\n\u2022a\n\u25a0if\nCI)\n<u\n;;.\nC\nM\n\u2022nub\no. Be\ni o       \u00ae\n)    t-P    >,J3\nI. CO *\"\n-3 Si\ntn 51 & s a\n\u2022S n o. I J a\nis gv\n\u2022\u25a0s-^pS\n3 \u00bbu j\nO.MO   ,\nt\" cd       -p?\nO. __5   ffl\n! o o .5 -\n,  0) \"75  I- pp\ni -\"21M .\ni    ti   *rt  'S\n^ CJ  <u\n\u25a0S&l\nll -\n\u25a0II-\n6 \"ii\nd    -u\nw   ^   fl)\n52 2\n,    'o  Op\nPH    U_\n\u00b0\u00aba\n,\u00abJhC\nO ffl o\nCCn\np-ll-ph\n: o,\u00abJ\n4%\n3o\nat\n\u20224-1   +j   W  j\nrt rt C\nES\no o\n> >     _.\no o CJ\nrt vi\nc c ^ \u00bb\na>\nrt   eg Pflj\n\u25a0is\nca\n&\nn\n6\nt\u00a3\n0\no\no\ntu\n<\nP\nrt\nfl)\n>\nS\n\u25ba,-   S   H\ne_.S\n. cj <->\nco     2\nS rt B \" >\ng \u00bbo \u00ab o a\nC    0J\na-a\ni j^ a\na\n>\n0.\nH\n\u00b0iS\nH\nso\nS-3\n\u00ab\n1\n\u25a0oB\nSti\nu\n!\u00a7\no\nIh\niO\n\u25a0U\nll\nIh 'C\ni3 \u00ab\u00ab\nAi cpi  O\noyu\nEn *\u00ab    \u2022\na a\n-M\n*W  \"4H   HH\n\u2022u \u00ab o rt\nrt rt \u2122 ll\nw w   \u00a3\nIII\n15\n6\nu\n1\n&\nro \u00a3}\n-  QJ\n6\u00b0.\n___ o\n%        PL,\nSu\n1    1\n\"\u00ab a\n3      a\n\u00ab o\n3gi>_;\nS3\n\u25a0ggt^\n'C 'C\nS    E\n<    <\n\u2022< <\nII\ne s\n2 5\nCO   cpj\n<;\n REPORT OF THE SUPERINTENDENT OF INSURANCE,  1975\nS  11\nS 1:\nca -3 :\nO.  0)\nOp .a\n\u2022o a\nsi\nII\npp   OB\n\u202232 \u201e\nB\"2     o\na a I &\n. *o   <3   ____.\"\u00ab\n.2.gqS\nSfa_\nii   - v S\nm- ci rt   -\nill\nIII--\na 2-3\n\u2022a a   .-S \u00a7 ,\nA o jj u -a !\n\u2022slS<*\u00a7:\n\u00ab c\ntl\n\u2022a o\nfl  u\n- u\na)\n8*\nm\na o\no s>\nm\nr-l   <*>\n3 a\nBS\nft.\nfl) M       a,*\n^  CJ,.\na) es py\n_\u00a3-    fl)    o\n\"\u25a0*___.\n\u20223 <3 n\n\u25a0a \u00a7\u00ab\nca ccj\ntt   00 rr,\na)   cS   C\n\u25a0a\n.2 \u25a0\"\nIl\nft.\"3\nx 3\n\u00ab n\n-\"fl\n3 S\n.13  \u00b0\nrt ca\nfi\nrt _\n\u25a04-1  \"3\n- c\nO  rt\n2*\n__&a\n_\u00a3\u2022 ti \u00ab\nrt rt ^\n0\u00ab Pt \u00ab\nB \u00a7S\no \u2014p w\ns\u00ab u\nPP-P -\u00a3>\no s>-a\nM   fl) .%\nC\u2014p\n23 \u00a3\n.fly\n\u25a0b'fc &\nft. & 5*\njj M 2\nft .. &\n\u00b0a\n& rt S\n\u00a3.H6\nCJ  fl\n&  QJ *\"\na.a\nM 0\nfl)\n3*8 tf,\na* B\nE \u00a7\ntfa &\no 8\no c o\n+3 __*? u\n___.'&\u00ab\n-co\nO __.   0)\n\u2022a \u00ab a\ntt *\u00a7\nO po  3\ng co .a\ncd    ..5)\nH   \u25a0=_. ^p\nsi's\n\u2022ls&\na 0.3\no\na\n\"3 3\n3\u00aboS\n3 __.\"    fi\n.\"S-aC\n|21tf.|\n' 5\" 2 S .3\nrt g\n.3 s\nrt ^\n. rt\nta   CJ\nJ*\nUl  CJ\ncj 3\np\na a\n* m\nw\n0-5\nrt   ^\nu   '\u25a0\u00ab_=' 3\n: -a 1 -s g\n_ a >,.\u00bb\n\u2022\" B'S'S\nm \u00ab a) a\ncd T3  i-p  cd\n2 f 2\nIII\nIs-3\ntH    4-J    +\"*\ntf  rt o\no ,h t) :\ng '^ 2\neo\"\u00a7\noo fl .a\n|3 \u00a7\n3 TD 13\no. a a\ng cd cd\n0 a a\n\u00ab a) a)\nB2S\no 8 a cd\nHP    \"PO\n2 3 a a\n\u00a73.3\np-p        CJ 1?    .\n-a i s\nr*. cj cj e t.\nt3 id aj 22 3\nT3 .\"3   aj\nC   O   &\n\u25a0s fl\n, .y\n\u00a33*\nS \u00a7*3\nfl cu a\n\u201e o  rt\nCJ\ni 11\nrt   O   O\n33 9 ft fl\nlite!\nn a p\" p\" a\n0.\u00b0 SfS1\"\n5 cd 13 a o\n.a a .a I a\nK &\u00ab a\n.WO\n3 8\nso\naa\nifl\no\ns\n0\nu p*\nsgo\nrt\n>8\n\u25a0J a\na .\nPSpq\nSo\n\u00ab a\n\u25a0 ^\n8    SU\nQJ \"    M\nS   8;\ncj      So\no    QO\nc \u00abs\nrt  in O  rt\n^S 9\nro  \u00abh ,i-  rt\nS*S_8\n_S3\n1-1\nd\nU\n03\nfl\n01 a\n1   Qj   JL   tn\nO   0)\n3 so\n5 a     \u00a3\n) 00 co a\n3  cd fl) S\nj 0 2 po\n' Sd, o\no     o\niu\u00bb<l\nJ      c      S\ni rtr a OT u\n3 fl) .q o) rj\nia\u00a3-S\n2 3\"   -A1\n) _D \u00ab)[__,\n.J M cl 'C\nlfffl_a*\nn   -i ro\nW rt\nij a\nS2 u\n\u25a0ri u a\no\nO\no \u2022\u00a3\n0-3\n\u25a0SO\nBfiH  .^\ni \u00ab?\u25a0?\u25a0! I\n'Ofl 8P\n2 a\ncd fl)\n-Stf)\nO\n>\nof\nfi\nd\nO\no\ndo v)\n<   <n\nB) pq    m\n\u2022a   ^>\n<\n<\n0\"\nS3\n.a 2\na   .\n\u20223.p?\ncd O\n. a\no o\nu\u00a7\n_: u\nSfflM\no\nrt U\nrt -<J\n>\u2022 c\n3    QJ\n\u00a7 a\na<;\n!'\u2022*<\nd d\nOO\n__;  \u2022    rU .a\nB 3       rw\nS        \u00b0c8\n\u25a02<:   u\u201e\n1\u2014I  co        S  o\n\u00a7 S s \u25a0\u00a7 J(\nco -y +j rt\n\u2022B i u S 1'\n**  w       fl  3\na  3       rtrt\nmm    uu\nfi\n S 12\nBRITISH COLUMBIA\no\n1\nID\nCO\ng\nw\ns\nH\nU\nW\nQ\ng\n3\nQ\nw\nco\nZ\nW\no\na\n2\n5\nCO\ng\nOh\nO\nt-l\nSe\n2P\n\"P 0)\n-p o\n=ia\na\u00b0\ni'S\nrC   fl)\n\u2022oK\n\u00a39\n REPORT OF THE SUPERINTENDENT OF INSURANCE,  1975\nS 13\nS \u00a3 s\"\n\u00b0a=S\n\u25a0a as tt\n\u25a0 St. r r.\n3 o o a\nco -p-p .,\n.    a  fl) __:\na p\" p-p s\na) o. o S\np\u00b0 a r\" p\"\n-.2 \u00a7a\n2 ttl3  o\nBOPtt,-\n\u2022S a cd \"\n\"t.fl|\n\u00ab> \u2122  . a\n.2 \u25a0*\ntdT3\n\u25a0g cj\nrt rt\n\u2022a-*\n\u00a7   a\n;\u00a7.a   |1\n2 a as\n3 \"-1  <h\n\u00a3      _*-n rt i3 -o\n__,       >,fl c oj\nI l\u00ab'gi\n0 rt    \"fl\n3       o \" <g    -\n1 2 W+Jfl \u25a0\n3 SP aj\" rt \u2022\nJ      23 3 oo cj\n|      fl 3 rt fe\nflj *3 M   ^\ni       O h\"      rt\nJ        cfl  O   qj  ,r\n3   . \u00a3 I s M\n3  %\\   3 _0 c   \u00ab\nJ \u00ab w ft '\u00a3 B\nG 3 X ft rt\no r\u00a3d fl w \u00ab *o\n\u2022a5 81!\n3\u00a7S9g'^\nr +_r -o a a co\n> \"s a PT! O\nJ 3 a \u2022\u00a7 S a\n' Has - a*\nas\n^a co\na   - \u2022\u00bb.\ncd t3 ~\na pa hp\n3 8 w\ns2o.\n:\u25a0.:**'\u00ab!\no fl _rt\nu flj\n, CO\n\u201e ft G\no SO'   ~ \u2022\nC\n\u00ab \u00ab w \"3 m\" '\n\u25a0H \u2022^H   ** W    CO    \u25ba\u00bb\ncU rt  3 OT  rt fl\ntf tf  <3 \"\"So-m\ns S3 a 1 \u00ab &\nft ft rt 3 fl tf\n_ _   \u201efl ftfl\n_ ;3 fi\nO fl rt\nft O \u2022?!\n_\u00abia\nt. 2 o\ns.s o.a\na i. s\na   rt\nCJ   H     -\nH o M\nc  \u00ab-g\ne\n3E\n.a >\n3 3\nll\nO 3\nQJ    3\n>\na\"\n>\nfl\n>\ncd\n\u25a0\u00bb\ni5\n0\nh=\no\nS\no\nu rt u 5\n-S. >  rt\nrt _r o\nUfa\nlill\noz^w\no\nID\nW       CQ       < S 3\nO\n\u00a311\nco ^a __r\na 3 s\no 'pu 8\n\u00a3  MpJ\nn   Cd   fl)\n>    \u00a3\nPD E\n2 S3B-\no\n6\nt> c\n> o\nI S3\n<_-.\nOZ\n5    B\nI*\nz\nii\nIr\n9\nrZ\no\nO\no\no\nam\n\"J   3   O\n\u25a0 a \u00bb -\no) o d o\nm   r \u25a0\u00bb   r\nrt o 3 o\nguMu\n\u25a0^   co 73   co\n|SPfl\nSs 3 P a\n0) cd  c\/j^_!\ntl H  cd \u00a3o\n8 3.H &\nJ3 A _c5\nOOOO\npu\nlz\n<\n<\no\n\u25a0M-7\nQJ  |<-I\nfl o o\n22 g\naOZ\no a a\no<fl\na o 3\nf O'g\n3 '23\n\u00a7.a|\noo* a\n2 6 3\nooo\nOOO\nrf    o\nO   r\nSO\nd a\no i\nV\n\u20222 fl)\n^E\na\n\u202243  fl)\n\u00ab cd\nS3Sa\n\u25a0aa c\n2 SO\na a\no o\nOO\n3       \u00ab\nCO r-.\nl\u00b0.s\nin\no   o\n S 14\nBRITISH COLUMBIA\n\u25a0a\n<\u25a0_>\na\n\u2022S\ns\no\nO\nW\nO\ng\nP\nCO\ng\nW\nK\nH\nCK\nw\nQ\nZ\n12\na\nco\n_3\nw\nP\ng\ns\nH\nco\nI\na.2 :\n\u25a0Salll-g\n\u20223-S\ng.a\nIh\n: \u00ab3 o\n; 1* \u2022\u00bb\n\u201e o\ntc o\ncd a\nI &\n\u2022a * \u00ab &\n5     \u25ba;\nppp^ ,.\np\u00bb   O pCp\ns~.   ft\n>\u00bb o\n!-h     U\nga\nai rt\ns* ft\na tf &    \u00ab s y\n>      o o \u00a3   - o\na &81 *? au\n.tt \u00ab)as \u00ab a\nc pw _e t. Ss a fl\na - a-a a \u2022* 2\nB a Sp= \u00a7 a a\ncd .a .a 2 cd -3\n\u25a0\u00a7 rfgii'l \u00bba\n|tt*-3 S..2*\n\u2022p-p a o      -.a o\nS-z |||flf\n-  S    .  rt  co -g  ^\nH   cfl\nco .\ntMci   j\nII\n>\u00bbfl\nfl   ft    *\n\u25a02\u00a73\n3 \u00ab.a\n_. m ~\nScOjp\na pa b\nllp\u00abS\n-\u2022p-p s a\nrf rf '-P    S    a    O\na a 313\" \"\n13 a t.\na .S\n2 \u00b0 a\nS3 y cd\n___, a\nal 1\n13 \" \"\n_,fl tp\n?\u00a3 Q tH\nH    \u201e C  U ft\"* C\n3 S3 a a o   - 3\nMa-gsa>g-s\nS g g rf 2 .a |\nh +j      \"H cfl\" oo\naj fl o rt fl rt\n\u2022a \u00ab>\"&\"\u00a7.\u00a3?\n\u2022a cd S fl) *a is fl)\nm d,M a a a\nJ? a S 3 ft 2 S\n\u2022rr\u2014 p, a* E fl a\nas a sell\nSag \"J \"3 \u25a0\u00a7 a\nco pa ra a cd S\nrf  - \u2022 p\u00b0 o _ \"\n\u25a0ass \"\u2022\u25a0a\"\n. a a a)\n\u20223   fl)\n- a y\n2'S 9\n3 81\n\u00abSS\u00a72\n01 a   -a rf\n3a\n1\nOJ\na\n\u00a9\n\u20225\n\u25a0\u00bb 5 cj s\noj fl Mil\ntS A rt\nii \u00a7 o\n*- \u2022-\u00ab^\nrt   Pt*o  qj\n3    \u00ab y\n>. a) \u00a3 a\nS31 \u25a0*!\nacjiH\ncj  UU   O\n__! opja >>\na p.p\"a\n\u00bb\u00abjo a\na ill\nrf\u2014 a a\na \u00bb\u25a0- 3\n'\u00ab *j o -a\niS rt o g\ns^l i\nsi\n\"5^\nCO  fl\nw\ntl  3  t\u00bb\nOJ o \u2022-*\nft    rt    t-i    OJ\nCJ\nV.\n2-2 oS  pS aj\n\u00b0 fl fl   tt fl TJ fl\n\"liills\n\u00a3\nu &5s 3 a\n3 & f 5 \u25a0 -.\n\u00a3\u00ab\u00b0\u00b0\u00ab a.\nl\u00a72\"8 2-\u00a7\nI gp-gsll\ns s^ aa\u00ab\nrf a ^ po rf \u2014\na a 3 a 2\nIs u \u00a7\u25a0 j} 9\nT3> a .a q) \"o o\nfpBSfi'S 2\nrt Jtj q \u00ab ft\n\u25a0  p rt -m   R\nJ   OJ <U _QJ c\ncfl co a\nCO    co    ?J\nCJ    QJ     tt\n151\ntt tt\no   tt   _\nrtrtrt\nrfl   ft  rt   gj\n\"o   r -y S\na s a \u00ab\nft   Ui   cfl\n\u25a0sal a\na ..a-\"\na a $ o\nP.2    \u00ab>\n3*3 :\n25\n\u2014     CJ\nQ. cd\n\" o.;\na\u00bb 2\n\u25a0\u00a7\u20222 a\n'\u25a02 \u00a7 \u25a0a\ncn ft  rt\na\u00a7\u00a3\nco   2  M\nco fl     \u201e co\"\ntn fl  rt\nft   ft +J\" CJ\n-^ fl z\ncd    ^\"fl)\u25a0-a,      cdcdcd ^pq ^\nB 9\nil\n\u20222 11 - \u00ab)\na _?\u00ab o> xi\n1 S fi-pa fl a\niilisi\n. a a) S o a\nn.\n3E\nd. j j pic\ntWJ\n\u00ab| S3\ncS\n.a\nHi\na a &\n\u25a0-   CJ   I.\nM  o  o\nic\n. co cd\na-3 8\na?-s\nw fl\nrt 3 c\n^\u2022a \"3*1\n3 tf  3  \u00ab\nrt o ^-\na 8:2 g\no as3.2\no     _,\naT a)\nPW     t-P\n3ffi\nO *o\n\u00abi\nOS\nS3 s a\ncd\n&^\n<s\n>1 tp\n\"I'D\nJ a\n2P\n<\n\u00ab ^\nto\ni>\n'^\nO\ntn\no\nO\n2\n<\nft\nSo\n\u00a7\na\nrt\n>\n>\n>\n>\ntt\"\nVi\n<u\nM\n*rt\n!>\n.3\n0)\n*tt\nM\nfl\n&\n2\ntf\nft'\n<\nri\nrt\nfl\nOrto\no\nft e i\nOJ    >\nS\u00a7 i\n8S.2\n\u00a7>2\n~!9 _>\nS3 .\n<S   3   S\n3  tt  rt\nfl rtg\ntt fl\n\u21225o\n^1\n1 -3\n81\noo\n\u2022tH   O\nse\na-a\nZ a)\no .-\n. o\nd\"\nO >p\nz\ncd\n.a\nJ<\"\no)\ntp\no\nps\n>\nd\nz\nO\nfl)\nz\n&\n\u2022a\nP\n3\n3\no\nd\n\u25a0a\n<\nJ Hi\nSB\nr a\no o\nUH\ni-IU\nOO\nos\"'f.s\n- o rf ^\n2'f? a _-\n1 go g\nO fl    _,\u00ab\nO   ftS^\nJap   r\n553\u00a7\nfjtifi\nbsEpS\nO \"O  F  c\nt. fl) o a\nO tp tn 3\nOOOO\nO  Q)\nfl   eo\n\u00b0A\nc -3 3 -S3 \u00a3\nC rt cfl > o\n-  __sT -  1>\ntt r? tt ^-fl\nd\u00bb--aif\ncbhSQ    .\na^,2H \u00ab\nt-P cd ^ co a\nJ) 3 \u00bb>\na 5 a 1 a\n3 11 8.2\n\"   a 9.3\n\u25a0a cd .s. \" 3\n3 a 3?    a\n33J        O\nOOQ    O\nP\nau\n\u00a3a\niS cd\n\u25a0o\n\u25a0a a\na\n. QJ\no\ni-I\ndO\n0)\no\nJ3\n. cd\nP\n\u25a0J PO\n3 cd\ns a  .\n_S 3 rf\n<Og\nfl)      w\n\u2022P3\n>rf\nd\na \u00b02\nO\na a g\n.2.2 2\nCO\n3   \u00a33   O\n1\no o\nIh\nQO\nO\n REPORT OF THE SUPERINTENDENT OF INSURANCE,  1975\nS  15\n\u00b0ptt\na)\n.  ro\ni  1   O\na   . \u25a0\n'! \u00ab 2\n'fl rt o\nSail's\nill \u00a9\n. X ft fl o\n>\u2022 w \u00ab a c\nC   C   tt  ^ rt\nrtrt       \"H ft\nQ. u,   _- 3 3\n3 co\nfl   rt -t-1\nI\u00b0a\nco  cd  a)\nu  a fl\na S\nSep\nO    fl)   PH\n\u00bb a^,\n\u25a0a   -2 c\nt* \u00a9 .\u25a0> Q\nO   - ti fl\nVn    _    W   pp\nafi-gg   ...\n>_&\" 8   s\ntt \u00bb rf 3      B,\na) a pph co\na w a a\no a fl -a     \u00ab_\nl*\u201e-2    J\n\u25a0a a m*     M\nS    <3    Cfl  \u00abW fl)\n*\u2022 ti Js ft w u\ntf rt c rt a \u00a3\nh rt C ft fl cj\na i> 8 * a -a\ntp a .a \u00a7 a s\n\u00a3\u25a0 \" .9 .8. 9\n-.2.\na *-\u00ab\no a  -\n2:1 id\nn _\u00a7  3\na 3 8\nSo B \u2022\u00ab\n3 a v.\na .1\nM Ptf   S    I\nagg'\n-ft      **\n% to oo .\n. S w_tf\nSi Mi\nO  tt fl\ni in\na    b-SS\ncj  rt tf\nw      oo Qp> C\n1   g * &\nd s o\n\u2014 fl  f>  .\ntt fl        _>>\n8|M|a\na      .^ t,\n\u2014 ---a tp fl)\no a 2 '\u00b0\n\u25a02 ca -a a\nS \u00a7 3\n\u25a0a p+-   _pQ\nB* pu  Q) fl)\n.S<5 la\n2   -  .1 |\n\u2022r ^ \u25a0>, cd .a\nu u ft e _>.\n\u2022art     fl \u00a3?\n\u00a7 ft w ft tt\nCttttt-iflcflttft\nJ co-l-s a^fl a\nSpSp-\n,   fl)   fl)   >   co\n>,   _,       cd  >, fl)\n\u2022\u00b0\u00ab8 \u25a0&* a\n3a,\n\u2022-\".2 \u201e _\n2 \u00bb t3 >_-a co\n\u2022_?     * Cd r-   O   >,  _,\no >; g, 5 fl\nn J\"? ir tt\n* <_j ->h\n.\u00a3> rt  O\na\n3 &pS';\nJrfa \u00ab\nog&\u00a3,\n*3a8\n*j   tt _   o,\n13 y rt O\ntt M g ^\n*0 ____   tH     ft\n\"o \u00ab\nfl\nI-H\nF\nQ>\nu\no\nft\no\nFi\nrt\nfl\n3\n3  &  <X\nIh  *3\nG \u00a3fl\n\u00a3 9\ny rt a\ntt tt\nflpH\n!-u\n\u00ab 5\n> o\naj\na>\n3\na  -S ES\ng-a &\u2022- a\naS fe-jS\nill  .-9\ncd a a rf\n\u25a0 a 5.5 i\n.) \u00ab SS 26\n_C     \u201e fl)   O\n\" a a .a o\n\u25a0\u00ab g .S.-r\n\u00ab -rt\n_\u25a0\u00ab w\nrt **\n'oo o\nli\na.t;\n.-_\u00a7\n.__: pd\n. o '\n'flp-p a\n\"\u2022\u25a0o.p\na S \u2022\ncd   =d   :\na 2=a\n\u2022pp  t  n\nfl a :\n2 oj\n111\n&*  .\n\"3 8\"!\na^ o\no 2 2\nco  3  co pp-p\n8 a\"0 \u00b0\ncS .3 A)\n.3 * a\n! ajs-o H\n\u00ab a2 \u00bb\n9 .So\n__= \u2022> & a\n\u20225 > tt fl\n. a1\"\na 2 \u00b0\n.2 a o\n2 \"?<\njg\"\nO   S   IH\nR2 u\nta-S\na x cd\nCd   fl)   a)\ns & \u00ab\n3 ft   00\n1*5 g\n*rt - rt\n- C 13\ntt   o\n\u00a9 33 u\n1'la s\n.3   fl \"O\nS 2 \u00a7\na a\" a\no .2 3\np-p a a\na \u00a7 \u00ab\n\u202230J\n* <*H\nw\" g o\n<o fl\nrt tt u\n\u2022as g\nu  3\n2 > 2\n-_&!\nafl_g\n3 a aS\naj\u201e   .\n'\u20223fll|\ni \u00a7418\n.  rt fl  v..\nSfl\n3   fl     .\n00.3   tt\n00\n\u00a3?\u2022\u00a7!\nqj 5 rt\nbo rt jjj\n2^ \u00bb\n3-2 2\nt\" Si-'\n>> 3 qj\nC   U fl\n&\"Q  -\ng   U   tt\no rt oo\ntt    \u201e rt\n: .co o rf\n\u2014 o a\n.2 cfl u\n! S'S\nI 2 cd\n2 \u00bb\n8 a >>\n.a oj:>\ncd ci, *j\n0 tt\" ft1\u00a9\nft tt     a\nrt C rt \u00ab\nrt 3\nft ft  n ft\nC   00 tt   fl\na   . ft 3\n\"O fl   -*o\nQJ ^   ft   tt\nft S 2 ft\ni t!6 =\n1 w S .5\nco   \u00ab   &   M\n!\u00ab^.\n' a) io .8\n? a o pd a\no c m o\n- a a rt h\naoo a\nfl)  3 g  j)\n1\"     I\n3d 8 i\nfl) 2 2 w\nfl g a fl\n' s ;\ntt\n\u00a7\u00bb|\u00b0\nrtfl c \u00a7\nS rt'g g\n\u00bb ft\n.2 fl tf c\nrt 3\nrt 'ft\nft ffft\"\nO fl  tt\nft C fl\n2 \u00ab**\n3 u\n(tH\nft  flj ;^\nS2*l\n\u2022n \"8 a)\"'o\n8 B n     S\na5a\"a\n- a J 8 5\n._- o ' -o y\nfl) O t S cc\nau\" 3po\n2 pa edpa a\nfe pd cd\nrf a     3 rf\n\"a fl o I a\n2 - oo a a)\na *o cd \u2014 ts\ng a m co -g\n'a \"gty\ni i* &!\n5   3\nft   ft 3\nft * 9\n3^^ L\nO   C tf   ft\nrt ft ft\n; J s\u00abs\ntf fl co tf\n1  cs!\u00b0 a) H\nin\np. w\no <o\nu ft   ft\n(fl   ft    \u201e\n\u25a0V\n\u25a0all!\nj \u00ab111 I\n\u00ab    H fc rt fl o\n3 a\nO  r>\n3 a\"\n>2\no on\na.a\nS3\nod\n8\nl>\na\"\na\nO\nM\n3       >\nO\npel >\nJj\no\nR\ntt\ns\ntf\no\nn\nlJ\nCO\nB\nS\nf\u00bb-\ns\nQJ    M\nO\na\n5   a\na   a\n\u00b08^\nq  a\nill\n.2  3  g\ng8|\nS||\nu o E\ndo-i\np^ j \u00a3\na\n*^ o\na pa\nOS\no-j a\n^O\nas\nla\nCO t-p\nu a\n\u25a03>2\ncd  cd\nWW\n55\ntp ^\nOO\nO\nfl M\n0 <D\na\"\n0\nO      -\n|u\na\nM fl\n_\u00a7 a\n>,\nH 3\n.Si?\n-0\nj\n0 _\nOld\ns s\n_\u00a32       tt\n3\nD\n\u25a0V\nfl\n* rf\ni a\nO\nBSJZi\n;  ~        -\n5H fl\n< \"rt\nfl .2\nC  w\nII i*\ncd\na\ne\nw\no R g S a\na a    a\na a   a\nww   w\n3\n3\nrt\nto   O\n.s \u2022*\ntt\na\n<\nW^\nQJ\n\u00aba\nO    tt\n^\na\nfl  rt\n&\ns\n\\a\n1\nw\n\u00ab\nw\noa a\n- a o\nO .5   H\na \"1(3\nS2rf\n[2 2 'a\na \u2022 a\nH 05 u\n_.tH\nord\u00b0\nOO d\na    \u25a0\u00bb a u\n>5     a 3 ^\n2  .\"<\u00ab\n^^Jfi-a\n2   . h 3 B\n2 \u00b03 \u20142\n\u25a0a \u2014 a) *a pd\n3,     o a -a\ntJ       X  cd fl)\nw   www\nI\n0\n S 16\nBRITISH COLUMBIA\na\n\u2022S\nw\no\ng\n1\n3)\nCO\ng\nS\nH\nPrf\nW\nQ\ng\nQ\nn\n1\n3\n<\u00ab\ng\nHH\nBh\no\nH\n(O\nj\n\u2022S\nfill\n2\u00abr*8\n8 \u00a73 a\n35 8J\nM tfl   go o\n\u00a3 g-ft *\nrt C *J.y\noo &2 o\nC *3   *   ft\nfl  rt       p-<\n_____*   01\n\u2022a \u00ab\n>\u25a0    .a \"3\nCd   M\ni_J)2\nft0^^\n\"S S3 o\nh_T ft^rS\n\u00a3 S 1<\nrt ft 5\nn ft \u00a3\n\u2022rj \"c3 -O\nS c\n00 \u00a3   rt\nrt \u25a0\"ija *\n\u2022H     \u201ev p^^\n, cj  rt\nA  qj\n\u00b0co rt\nO g\nJ 4>\nJ-ai\nti     3 B 2\nS    fa I\na    S rf \u2022*\na   a .2 a\ns *ii\npj   ilj   ,\nlitis\ne a -d  C  rt    .\nfl rt   - rt fl eo\no  o  ft   rt  to\n\u25a0- Sa3 \"2 a\na? 43 S       ft tf\nfl \u00ab \u00ab rf ft rt\n,3 fl   * w \u00ab   \u201e\na all ifl\no 9>a o a 3\nill\u00a711\n\u2022' .7.   O Q, O rf\no S o o fl a\nCd 4)   3 i_h   O   A)\n, a  \u201e a a^o\ncd     A)        \u2014\n.a   .a\nw   w\nj J\n.So\ns<\na\u201e,\nll\nIs\no\na\n0)   fl)\no o\n\u00bb\nrf     e\u00ab oo\nS   .s .a\nail j\n3   3  3\nWtt..\n.       \u00a32\n^       *\u2014> J\u2014a\nI\nO\nn\n<\n5\ns s\n3   O\n1 9\n8>\nS3 2\nOQ\n\u20222W\na\no\na     5\nH        3\nI    8\nI 1\n.\u00a7a\"\n\u00ab8g\nj|a\nK>J\na\u00a3   <  z\nz   a  o\no S\nflfl,\n\u25a0\u00bb\u25a0<\ndia.\nII\n8|\n11\nOw\"\nUN\nZ 0)\n\u2022oB\na\nO\n*ri        rt\n. cd\n> d\n-O\nJ        H\no\nO\na\no\nd\no\nO\nO\no\nI\nw\nQ\no\n\u00a7<\n\u2022o a\nWW\no   fl\nrt\na\nIH\nw\n\u25a0a   .\na rf *a\n,aS a _\nfi 6 | 3\njo d 3 p^ pp^p\na a Z rt -co\na tp *r r- .23\nfl)            CO U\n\"   .a o\nE   w g\nS2\nQo\nOO\ntt W\n**h   (fl\nJ E\nT3  5\nft  Ih\nO  O\nflo\nJ<<\n REPORT OF THE SUPERINTENDENT OF INSURANCE, 1975\nS 17\n S 18\nBRITISH COLUMBIA\n.jjj\nft\nO\n<\nft\no\nz\ns\n5\nVi\nz\nHH\nw\na\nft\nw\nQ\nZ\n3\nQ\nW\nco\nZ\nw\no\nco\n1\n3\nco\nZ\nft\nO\nft\nto\n3\nJ\n43\no-ppj\na<2 2 ;\nlili\n\u25a0a If!\n\u25a0Sfl   O  .\n\u20223 a Sj\n-p   cd rr} r\n___.-\u25a0\" a ^\nS2 s p\nG   tt   fl  (\n3-g'|j\nft.9 fl\naj 5 rt '\nv 13  tt \u00ab\n_^v  _n   \u25a0\"* \u00bb\nfl    \u201e rt\n2*9 s\ntt C  rt\nrt   rt -n\noo73 2\n\u20223 5 5\n\u2022rt *^   !>\n3   \u00b0\"^\nrt tt .9\nfl   m \u2022\ntt  rt \u00ab\n\u25a0HH      OJ      tt\nvi- rt 6\nfl\n\u25a02 sA\"\u00ab \u00ab? S\ntf u s\n\u00ab S  & \u00ab fl ti\ntt fl   g   l-j   CJ   tt\nfl fl 9\n&\n1 St.\n?^Jgw\n'3     c\nTJ  -\nrt\nfl ^ o\ni   <J  VtH\n'. oi  a  o\ntt\nH   >S -rt\nr p.-\n; p__  oo O\n\u25a0* \u00a7 \u25a0 a\njp _, 3 cd\na rf cd\nD pp- -a t.\n2 pd o\n3 \" 2 a\n< co\"! 3\nfl ft  .\nrt      e\n\"\"\u2022a W\nS\u00a7S5\n:-   - ..:   _. \u00a3\u25a0 a\nO  \u00a3\u2022\u00a3   b  8   O\n>p a a p^. pd a 3\ns a & o \u00a3J \u00a3 3\n\u2122 *h R1    a a co\na o g u o a\ng ag. o^_ 2\n\u00a75       3 j cd pg\n8 S -3 a -tt pd\nO    3    Cd    fc.  13    Ih  cm\n\u00ab) a \u00a3 a 2   . o\nfl)   pj\na 8\nfl  (fl\n\u25a0O ij T3 \u00ab\na      fl.S\nrt Js rt\nflfl   co   ft\nC    (51   fl\ntfg 'a\nPD fl) >. o\na a a a\no a .3\naa*\n\u25a0 -..-. -i J a\no cd ts w   m a\ni\u2014   r.   --   ...        Cd\n8.a8<a.o2 3\nrN       p u w  ppp^  p^-i    w    *m\n<o a \"O rt u\" ft O *3 -s. c\n.1 -\n^fl rt\n\u25a0 .\u00ab  rt\n!   m fl\n\u201e rt\nCfl\nt ftfl  :\no rt ,\nfl \u00a3\u00a9 m .\n1 fl    \u00ab-n   \u25a0\u2014'   \u2014\" >>\nq.,2 rt o\nft.S \u00a3 2\n\u00a3 <\" s\nrt tn 5r m\ni 2  -2 1\ni      .  fl) CJ\n! ft\na \u00a7 gs a \u00a36\nu I S ftf \"\no\nrt\n\u00a3\nrt\nft\nID\nc\n2 S3cc5 oo 8 ed2\n13 %\n&2\na \u00bb\u25a0* a pq\n>\u00bb a - m 'H 3\nco ... >. a)    .3\n3 ti   X J-\n\u2022rp. a) a) a <a pQ\n\"^ oo o cd 8\nfl) O a o 3\n5 o \u25a0\" \u2014 .a a\na\u00ab   . a g     \u2014\n8 >, O  tt   00.co\na.a 3 w .-a\n: o &\nO  n ^   _. ^     \u2022   U -h  3   ppp n i.\na     aa^p^cBSOco^a\na >t &2 c a .3 9\"a 3 73\nOTJ J:\n\u2022D23\n3 M \u00bb- g \u00a7\no pd ___> s. a\no o^\nv. a\n\u00ab \u00a7 __,\njag\ng 73 3\n\u2022o a '.\n2 >,>d \u00bb\n_S_ofl 8\na\u201e     S\n- o n 3\n>, cd o  -s\nft & ftfl S\nsaa_s s\ns \u00ab- s = a\na \"a 3 o.s\n.    3 co p\u00b0 S3\nliftl!\nS s fl 1 rt\nft   CO w .5  +-T\na-3 o-.a\nr 14111\nI u rt ;a o cd\no 3 o a\na w rf ft a\n! _2 fl a x:\n-73 3 j\nCT .ft  cd\na uj\n5J\u00ab\n33 X>3\na \u00ab a\n2S    -\n3.a >,\n3 U\n3|I\n2 gs3ill|SaSS.2o-8\n1.1 pq| 2 rf8rf.3JjS.2gg'\ncd2S33;aS||o     |    |a\n\u25a0rt*\"cJ---rtft\u2122n>'-i(i't_!(U?:?3\nS        __3 Ot   C   U'-   \u00ab   S   ^   D.,2   \"\n\u00a773\"\"  -gl8\"28Sg.|\"\nguooM_S   ,-SS 9bS 03S*1\na.aM^SisaSaS.Sart    \u201e\n.3  -8 -D .2 cs a >^2fl g- 0\n\u00ab|a&rJsa&\u00b0i>.3\n>p-s 1 8 \u00a7 a S 02 a.g \u00a7 a a \u00a7\na? .,- j* s a -3 .tt 2 s \u00ab o -s E3 o c_\u00bb\np-g    .id       \"aoSocl\"      poC\noas\u00abgg*\u00bba .s.p\u00a773oi*\"\n3.2 M\u00b0S \u00a7 ^8=   -SSlj.'S\nrtrt    n   m .13    ft\"^T3   rt    Ih   3    tL    QJ    ftii\n\u00ab)      \u00aba     -023     \u2022Sv\u2014SS\nSjrvrtrfa      ^^rfcdtj   . Pd a\n** o     a a 3 jhipS 0 o a H a ft   -\nO \"3 fi a \u25a0o 3 3 3 2     flpS 53     <5\n8 8-\u00a7-S8-.3a'8a.a'8SpSa\n3 .aa  .\u00ab B-s .\u00a3 a .a'S'o\nJ^9   \"a\ntt    fc\n** _& hJ\nC C IB\nfl T3    .\ntt  >\u00bb\n-\"fl A\nR fl rt\n.2 -3 &\n-il\n>- \u00a3? tt\na o a\ncfl   &fl\nSo.\nrt  tn *m\nft   ft o\n\u2014( tt\n\u20223 ^3 O\nc H S\n\u00ab ft 2\nfl   fl   Cfl\n.9\ntt\n\u2022tt fl\n>\nfl 0\n0 3\nrt\n0 .\na\nw H p+-\na a o\nrt 0 o\n3 tc >,\nS aj?\nrf73 o\npp-p S a\na \u00a7 \u00ab\n\u25a03\u00abs\ncd a-a\n.  . a\nSS'\n\"j ja -a S\na -a o c\n2 \u00a7\u00a7\u25a0!\nco > a \u25a0!\na id\" & 1\n\u2022 o oo C c\n>, rr    ft   O   T\n9 3I&1\na     tt ft J\na      3 o\n\u25a0H        n  ____!\n\u2022a J\nS 3\na 3\n3 -a\na o\na\nfl) jh\nJ3\"\nw o\n.?!\nVH     rt\nrt    tt\nsi\n2 ft <u\n\"25\nT3 ft\u00abw\nfl   \u00ab   A\n\u2022p- a\n.\u25a0a \u00ab\npd a a\nS\u00ab3\na rf 3\ncd S*h\n1 ai\n00 p^\nf-a\u00b0\nas \"3 2\no a-a\nJ) o g\no a \u2022a\na^\u00ab\nSfl\nft rt\na\"!\n03 d\n\u25a0fl  rt\n\u20223 *B\na  -\no tt\n0 S\nfl fl\n_!  *i   3\n^_r ^ cfl\n.a M a\nCO    u\nall\n REPORT OF THE SUPERINTENDENT OF INSURANCE, 1975\nS 19\na8!-\na  . cd q\n33 a \u00ab\na, -s \u00ab)\n\u2022a g \u00a7 fl\na o.\nCJ\ni-\u00b0 3\n\u00ab^c fl\n2 a \" a\ng'B flT.g\na o ac\n2 +J po p-w\n_    -       \u00b0\nPQ   fl)   ti\na oo\u00abj >>\n.\u00ab\u00ab\u25a0*\u2022\u00a7\nft     a\ngal 8\na .3 d \"3\n\u00ab C \u2022> a\n3, a a\n\"\"\" &po\n>;<\"    2\ns a a 1\n2.8 a ___\n\u25a0pn s. .s .a\n|  j&*j 3\n\"vi tt 2 -5*1\nO  ft tt ti\n\"ft p -fl1 <\u00bb\n*   \u00a3rt  ft\nQ)    ft* O\nfl    M   !=_\nft\" 1.5 &\n\u00ab 2S qj\nx tfl <ft \u00a3\n\u2022\u00b0 s ..\u00ab\n\"fl  tt\ntu co^! fl>\nfl .. ra fl\nfl 2 =\no ra o*^\n6o,= \u00b0\nO ft   tt\n3 \u00a3 fl> fl\nrt tn       ra\nqj    - ft\n+? ft o  ^\n^ o qj \"\nCO    U(     Ih    c\ntn \u2014 A CJ\n\u25a0fl    <S   *^    ffi\n!>'\nall\n- tt fl >1\n3   ft   \u25a0* fl\n;3 8\n3   tf Ti\nOJ   >i  QJ JJ\n0 \u2014  \u00ae *s\nill's\nft   O   rt\n3ft       u\nW)^   t.   fl\n__\u00bbT S ^  ft\n\u00a3J ft  rt   A\ng? |    -9\no * 6 qj\nfld\u00a3 o\no a_ \u2022>,\n.a .* a o\n3 & o a\nooo- a\n\u25a0 o2 \u00ab\nrt\nft\n2 ft\nrr \"3\n^n  o  fl)\n73 8 a\n'co a 3\nioo\"\n- a ^ ^\na a-g&\n-\u25a0a 5? 8.\n5 2-S&\n3 s*3 &\n-a    ft\ni- u a\n\u25a0>., s s\nfl)2\n.So\na*\n\u25a0a ^\na pfi\ncd  o\n_* a\n2 o\n\u2022af.fl\n^\" rt \"ft\n& \u00a9 o\n'55     *\u00ab_.      Q\nfl ft\nSaft -\nS 5   \u2022 3\nO   O fl\n'\u00ab S2 fl \"O\nO  tt   rt   fl*\na1*  -a\ntf 11.a\nrt w       to\n3 -\u00a3l .5  rt\nla\"*\"\na o rf s\ng \u2022\u2022B ft a\nv  cd *  o\n. \"p-p a h\nrf a a a\n\u00a3 o d \u25a0-\n= ft>u\n25  .5\n2\"^i2 ft\nfla~\u00a3\nSri \u2022\"\"\u2022\u00ab\na a eo o\nft ft a B\na ___) a ptj\n.a pa 1- h\u00bb\n3 s B-\"\nE\u00ab \u00b0\n-sl8\ngg*S\na --a s\n5 o a \u00ab\ns I t-s\n&a 8 2\nft   C  rt tw\n\"o!o\n\u2022gS^sj\n\u00a72 u 2\n\"a\u00ab\u00abI\n-a 3 ft\ntt fl rt rt\nfl>    __,\"0\nS *fl   ft tt\nrt   C   tt T)\nc .2 _\" c\no S \"3 ra\n\u00a3 fl .\u00a3> ft\nfl? \"2\u2122 B\na rt g o\nrt\nra\na. .+\u00a3 \u00a3\nM \"  rt .S\no   tt   tt '\nfl .W\n*3   ^ c >>\no >. \"C \"C\n\u2022a t; & s?\nrt \u00a3)\nft 8\no -\ni 3 a\na\na o ft\n2 o a\n3 O\n8 -'a\n> oo \u2014\nI-as\n\u2022a a) fl\n.o -o \u2014\n5\na\nrfg o o\n8 S3\"\n8a.\u00ab|\nrt rt _  C\n\u201efl fl ^3\ntt\n&!!\nrt \u00ab 3\nft ^j tt\n| g rt\n\"o  \u00ab\ntt fl\n<!fl\nft    rt rrt\n<U   ft ra\nflfl     -J-\ni-h \u2014 (2 tf\nrt fl fl 5\nfl O tJ\nO fl tt \"JJ\n\u25a02 fl fl       tt\n<u \"O rt\nrt w ^^\n#51II\n3 a a a s\nS a S\ncd \u25a0__?\n52 u a\no \u2014 cd\na2t 3\ng \"2 a\nfl-S 2\n8\n-\"8.\nCJ   ft\nl*J fl   W\nA \u2014 fl   fl\n\u00b0  rt  o  5\nfl \u25a0\"  ^  S\nfl    W  fl  fl\nAran-.\nI \u00bb8'S\nO   tt   fl   tt\n3   \u00ab\u2022\u00a7  1\nrt rv   - ra\nfl ft\n&     \u00ab rt   3\n1   >?fl   \u00a7\nftft        fl\nO   tt  fl1\nft   ft \u00aby   tt\nrt P 5 \u2022\u00ab\nra.\n_4_t     O      ft    fl\nu fl  JJ 3\n<u      fl  S\nMa\n2   -Sa\np-p \"3 .a\n| a g \u00b0\nRrfS   -D\nrt o a rt\n\u20223    . Jo\n\u2022o a o a\n|S\u00a7'ft\n.SrfSca\no'a^\n>pfl t. o\nfc. tl fl)\nft -p-p o.\nOC CD 3 Ej\nO  2f * a\n2 3      o\n^ rt CJ\niio 3\n\u25a0\u00a71 gp\u00a7\na >_ a\nrf'C * _ .\n2 co\" ag\n&S 3.5\nfl fl   C   fl\n^  ft  rt '\nra flJ    - ft\na .s\u00ab\n2 fl \u00abh\n\"\"8 rt \u00b0\na po\" S\nfl)   rr\nsfl.\n-' 3\ntt   ca\nCD  C\n? Tj   \u00a7\nI   I\nfl ft\ntt fl\nfl .fl\n<\u00a3    <*i\nft   MO-\nft\u00a7\ntJ  fl        fl  ii\n>> c -^- rt \"ft\ntf   tt  rt  \"? ______\nrt fl  C   &C^\n.H &\"3 S.5fl\nrtrtucortttflfl\n\u00ab .ts fl H      a fl fl\ntt   fl cc W\nw o 'C o\nS   S 3^\nrtfl \u00a3 o\n<D- a u a\n\u25a0\u20223 o g o\n\u2022g a\u00aba\na 73 a \u00ab\n1 Sa 3\n\u2014  ft fl ci\nfl  rt\n\u20ac1\ns ft\n\u00ab g\nfl\".S\n'rt \"\nfl tt\niaS5\na\" \u00ab^5\nrt  to cd ^\n2 ft \u00a7p\u00b0\n\u2022316 8 \u25a0\nrf&a g\na . pd 2\nfl S Q,2 p\n\u25a0s&l-9'\nrt S  \u00a3  \u00ab\n.     \u201e ftfl fl\nfl- ft\n\u25a04-c O\nrt ft\nft a\n\u202213 2 8 i\nS'oa.g\nfl qj ft *r.\nfls\n*\"3       fl-\nr-! ,-H\nJgft\nH (ip\n>    g 8S\na\no\n.S\n>g\naw\nwb;\no\n80S\nc ft a\n>^>\nrf . a\"\nft a 2\nt. a o pa\ngj^t-\ntt    \u2022   tt _;\na\nu\no\no\nRJ\nrt\n>\n>\nT)\n3\na\n3\nW\nO\nw w\n&\u25a0  I*\n8\n>\no\nw\na     w\nPS\na\n73\nft\nti\na\no\ns\n_\u00ab\nk\u00b0S a\nr-So\nt<g\npZ*3g\nr tl\nO  fl) o\n0 ft H\nwi  \u00a7   ft'\n>9 3 h\n\"3 Q  cd\"\n3 \"a\n3^3\n3 80\n3 a\nfl)     JH\nppo a\n*j  cd\na a\no_a\naa\nti o a\nr_r\\     \u25a0    ^\n0\n8\nft\n3\ncn\nd\n0\nfl\ns\nU\n01\nc\nz\n<i\nfl\nc\ntt\n\u25a0HHH\nO\ntt\nO\ncj\nra\nM\nO\ni-l\nu\nO\n\"ra\nS\nu\n\u00ab\n\"C\n3\ntt\nH\nCfl\nO\nft\n.3\n3\n3\nD\nJ\n\u2022a\n\u2022tp\no\na\nO\n_- \u00ab\nfl^\ntt r\nffl tj\nffl   rt   t-\nu\nft\nu.\n3\nH\n3\no>\nrt\nft\ntt\nfl\nI-I 1-1\nJ3\nJ\nu\no     flcy\n5 jN\n\u00b0 Is\n\u00ab\u2022 11\n6 \u00ab|\nPh A  rt\n\u00ab>        fl\nfl        O\n S 20\nBRITISH COLUMBIA\n.5\ns\nW\no\nz\n1\n3\noo\nZ\nHH\ncq\n3\nft\nPi\nW\nfl\non\noo\nPi\nW\nPi\n3\n00\nZ\nHH\nHH\no\nft\noo\ns<\na.,\n5fl\nI!\n23\n\u25a0>.\n0)\nE\ncd\nB\nW\nS   . >p-3\nj  >j.O  5\n\u25ba       >\nto\n8   u\n^t,    t,\nn o irf ft\n&\u25a0   o\n\u00b0E\nM a\nZ cd\n\u2022oS\na-0\n\u2022\u00a78\ntt\nIh\nfl\na *\n\u2022c   o\ni .a\nw gs\na 3\" a a\n\u2022O -Opo o\na a\no o\nJ    J\na\nO\no\"\na\no\nU\nu\na\no\n3\n*\u00ab    o\na\n\u25a0o\no   I o\n0\na\n, Det\nEng.\ne, To\no\nU\n\u25a0ou\nwas*\n.73 3\n75 PC o\no . a\n\u25a0 &_Sh\na ,\u00b0> \u2022-\nJ P\n\u2014   H\naPn\n\u20223 73\na >,\no o\nJ J\no      a o (j\n\"     7, *>   \u2022\no     ,a     w\nS     rt^-2\nM     3 d J\ntt fl  U    Cfl\n. O   tt M  fl\nA     \u2022 A>   r-   S\nrt q fl \u00a3 ra\ntt o 3 u -g\nfl       u fl  C\nfl       rtrtrt\n3  sss\nsor-8\n\u2022J\" 8\ndjo\nU< d\n\u2022 \u00abJ o\nCfl   UH   W\nU   tt fl\n\u00a3 E-\nfl fl qj\nfl fl a\ni- ft i-\nSSS\n73\nn\n73\nB\no\nU\nSSS\n REPORT OF THE SUPERINTENDENT OF INSURANCE,  1975\nS 21\n\u2022\u00b0 gS 3ji\n&.a a\n..a\"\n\u00ab 2 s\nft fl\noo g a\na h .\na ft C\na a a)\n.2   .6\n-8   3\na .3 ft\n\u00b0 a \u25a0*\n\u25a0a \u00a7 .\no a o\na>\ntl\n\u00ab) a\nft 2\na a\na a\na a\ns a\nil..\niii .5 qj\n- ft o\nm  M   ft\nJ co-&\n00  ft   CD\n\u25a0o a\n2 13 \u00ab\n373 \u25a0\u00bb\na \u2022* o\n3^fl\n51 ^. Pp\u2014\nt.   o  O\na o. ft\no a 2\na a 3\np.\u2014p   3\n\u2014 a\" a\na 3 2\na a.3\n\u25a0fl    tt\n2-3\ntt\n\u2022i s\n; a rt\nt .fl a\nm ^ qj     cj a _3\nfc^fl     _\u00a3 fl \u00b0\nrt nj\nfl\ntt\n3\ntt\n>\n\u2022ft\nfl\nH\nfl\na\nH\n\"1\nu\n3\ns\n\u2022a<\nCO\nfl\nrt\nft\nO\ntt\n3\n-SH\nEs5\n2 3\nfl   M S\nrt C --\n8| s\n0 rt fl\nft-ft\nS \u00ab P\nP1 fl t!\ni3 rt O\na \u00ab\nfl -S .3\nrt ft >\nfl rt >\n1 \"a\n1.2 2 .-\n3 a id\na 2 a\n_g-s2\n\u25a0^al0\na 3 % a)\n3 ft * o\n& --3 a\ns a 3 2\no 2 M 5\nO   CO     .co\no2 8-3\n\u25a0Sflg\n-ft * S fl\n8\u00a7 .\u00b0\na *a ft >r\n2 5 cd\u2022\"\n^ ^ __\u2022 o\ns a a\na \u00ab p^p\nco a ed\n: cd\n)   * a M\ni\u00a78pS\n1 a   ,w\n3 0 co  o\no ft a a \u25a0\n. a 3 2\n3  3 'po   rt '\no s 2 s -a\n\u25a0Si*\nll a\"\nlai\nrt  ft  ft\nl- tt aj\n** rt *\u00b0\n\u25a02^3\nft H-a\"0\nfl -0  tt tt g  g \u00a3:  !\nrt -H fl  ft ii i3 u  :\nrt    \u201e\nft :\u00a3\n! fl_j\"\"3\n1 Sj ej\no o 2\ntt fl\n!\u00bb_____\u25a0\ntt ^   fl\nfl  ft J1\"\nft ll j\n\u00a3    3i\npg a J -5 a o\nS '3 \u00ab \u25a0* a a\nJ rf';\nJ? _>_ cd\nft OM\n3 5 3\no 8.2\no S1\n\u25a0aa all\nO        S  3\nn2\"3S 1\ncd a o -a 3\nti-S      3   -\n2 B SS co a\n1 S3 *|\n' a 1 i I\u00ab\n1 8 \u00bbI\u00a7\n.g Z 2 B \u00a7\n\u2022p-p ft a a 8\nco   3   ci)  cd   a\n\u2022a\ns s\nfl) fl)\nMa\nJ J\nc\nii\n&\nu\nra\nCfl\n18     2\n<4H     O\n3S\ni c3\n__.>\ni\nas\n1 w\n! \u00ab\nJ     Q\n2 S a \"'a\nlogl'S\nQ_\u00a3\nt5    I\nI\no\n\u2022 a\nfl) o\no *-\nE>.\n_    A)\nOUp\n\u2022__!_>\na.-.\n8\n>\np_> o\n^8\n_2>\nfn'a\n. \u2022 ft\nOH\n>\n\\\nz\n6\nO\no\nZ\n\u2022j?\no\ni*\n&\nft\nZ\n6\nu\n\u25a03\nS\n!\u00bb\nx     *\na\nu\nrt\n\u00bb tt\nCJ    ft\nSI\nud\ntU\n3*8\ns s\n<J5\n. 3\na a\nO 2\n- O\n*\u00a3\n\u00abrt\n_h\"0\n11\n8o\no\u00ab\nHft      O\nO\n-\u00aba\n.j j\nIs \u00a7\nS 3 ts\n\u00a7\u00a7\nSS\n>\u25a0\u25a0\nSi\nM\nt,\n0\nu\nft       e 3\na    i2 a\na fl\n\u00a7S\na      . %\na ft\nfl   A\n^3    \u00ab      \u2022  HH\n\u25a0\u2014I rt fl \u00ab\nfl  ft       *-J\nss  s  s\n.   ft\nU   rt\ns H\no   .\na 3\n>1\n\"~\n. p+^\nB o\no o\n.0\n&<\n0)\no\nix\nft\n\u25a0z.\nrrr\no\n6\n0\no\n<\nfl 3\ntt fl\nZ\"\n, \u00ab\nrt o\nra O\ne  w\n\u201e rt\no'3o\nG fl \u00ab^'\n\u201e-sm.\nU   tt\nft fl\nfl\nn\nIfl fl\nra ra\n3  3\nSS\n3 ft a\ns \u2022 a o \u00b0\na p^. cd cj u\n\u2022 3 aa\nw-m o\u2014   r\n'\u2014 o- 32\nra kj  rt O *i\n3 r* 3  OM\n3\ns\n5 a\nSz\n S 22\nCD\ns\n\u25a0S\ns\na\n8\nz\nn\n3\n00\nZ\nhH\nw\nffl\nft\nPi\nw\no\nz\n3\nQ\nW\nco\nZ\n8\ntfl\nw\nPS\n3\nco\nZ\nft\n00\nJ\n.a\n\u2022So\ngo\n2S\n3\nr-o ^\n; 5\n>- a\n5,*\t\n)  rt \u25a0-   cd\n5  3   \u00a3  p.\n\u2022fl\". 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S a a\n\u25a0S| 2 a\ni \u00a7 a-ft3\n1 fl -a \u00ab\nfa S 2 fe\na a\ncn   rt\ncfl   ft\na a\n\u25a0a o\n3 \u00b0s.\nJO  ft \u00bb3\ncd\nIs\n4___>     ft\n\u2022ss\n23\nop J\n.3 tjS \" 0073 3\n22 ft B a a_M\nto tn  ff ft\nfl u\nft 2\nC)   ft   t.   ,\n.15 2 :\nCO   CO     ^,   F-    J^P   J.\na .a M ci M\n.a .\" tj\u2014 .^\n\u25a03 _&\u2022 -f ft   '  a, .3\ns s 3 aft ts a\nft     2   .3   -    rO     O -\na ..3 .as\nft \u2014 ppa co 2 _, ft\n\u00a7 S 2 \u2122 \u00a7 \u00ab 3\n\u25a0a a.a 8 a\noi\nEft\n5 2\n?  fl  fl fl\nfi* rt a\n\u2022    T    _ fl fl\n9  rt ,_]\n\u25a0a bfl a\nM_c u\u00ab\nrt       S \u00ab\nft   rt\n&|\n'n  rt fl\n\u25a0s <^ cj\na\u00ab\n\u25a0aa\n\u25a0^ 2\n^_ft \u00a3^\n,rt   M 9 g   B ^ '\nrt   Wfl  \u00a7\n*J 9 fl!\nfl fl ,g\nfl     -fl     fl\ntt   rt\na a a\n- \" 3 S-Sa\na \u201e- B \u25a0\u00a7 a3\na o. ft \u2014\nrf a\n8_i\n\u2014 1- . -\u25a0.\n2 9 a 2\ntt rt rt -o\nS \u201eft ft\nra \u25a0!_.. o aj\n\u25a0\u2022I &a\n\u2022ft fl ft fl1\nt4_i rt ^ \u00abh\n0 -a S\no -ft*1 A fl\ntt C \u00ab ,\nX  aj fl  *f\nfl\n\u2022a ra >>\nfl c ft\nI*9 a\n\u00ab\u00b0\ntt' oj u\na-l\n2 3 a\na *\u00ab\n& o ft\n8 \u00b0\u00ab\np.S-3\nrt  h\n3 a\n3-g\ns\u00ab\n.5 a\n73ra.\n\u20224H   ,*J\ntH\n-   tt\nfl   fl\no -ft\nI ft\"\nft c\nA i\nO     \u25a0    di\na t ij\na. 0 .a\nSft\"\n\u25a03.013\nlag\nr\u00ab a\n'   ft   o\n-TO\no b\nta\na & ss >d\n* ^ a^3\n. cd 0*7:\n\u25a03 _.- a 'P\na K p>p\n3 sA\n3 tl \u00ab\n. ft -a \u2022\nft\n\u2022a\n>^3\n\u00ab  cd  M\n.fl2\n\u00ab      ^       g\nft   c\nrf a\nS 2 3\n\u2022ss.\u00a7\n3 ft a 2\n= 3\u00a7S\n.  OT      .\nft fl)\nE   3\n>       >\n1*\nj   al   M\nt    1-1\n' ft\nSrt\nAt ft\nis\na)\nZ\n\u00a3   <!    s\n(JH\n1-1\nft\n-3\n73\nrl\na\nO\n*\na\n0\ns\na\n0\na\n0\n7- ft\nft to\n\u25a0a a\nid a\nZ>\n3\n2 a\nft\n3\u00b0\n.3 ft\nft 'V\n\u00ab a\n\u25a0SS\n81-S\n\"   fl)   ft\n_x\n0)\nas\nr*\nM\nu\ntt\nz\nra ft\nrt\n3\nfl 0\n3\nB\ntt\ncd\nO\nS\n\u2022US\nd\nu\n\u25a0U fl HH\npw\n5\nCfl\n0\nO\n0\nft\nra\nij\nb\n3\n0\n3\n3\nc\n.2\u00b0    l^2\nZZZ\nE\n3\nft\n%\nS\ntt\nii\nfl ra Ph\n0\nrt rrt\n^p\nfO    tt    ft\nis\n%\nZ      2\n0\n>-\n\u00bb\u00ab\nz\nu\n_!<\nJ\na\nrt\n0\na\na\n>.\nu\na\nAi   ft\nsz\nft\n3\n2\n<\n<\nfl\njZ .3 \u2022\nIfl a\n.>     ti\no     o\nZ    Z\n REPORT OF THE SUPERINTENDENT OF INSURANCE, 1975\nS 23\nfl fl\nc\nfl\nra\n\u00ab\n3\nfl\ntt\ntt\nfl fl\nCJ\nO\nu\nu\nra\nrt\nra\nra\nfl\nfl\no\no\n__\u00bb\nCO\nft\nIh\ntt\n<u\nft ft\ntt tt fl1\n>i  w   ft\nft \u00ab s\nag\n*a s'\n\u2022O fl  flJ  g\n11 si\nI ? a ,\n-B\"'a\u00ab\nrt\" *   .    <*-\ng fl   ft   c\n3   ,d;\ns \u00bb & 4\nft  SP      7\nOrt    \u201eS\nftpfl   CO   \u25a0*\nCA ra u .\nP|\n\u00b13 ft fl fl\n^ cj tt t:\nflfl > I\nC ft      J\ntt\nr ea\n,,-\u00a7.\u00a3\u25a0\na.!\na a 8.!\nII;\nra fl *^\" (\ntt o ft c\n5 S   - \u00a3 \u00ab\n-j  -hh-:    J-    tt  -hh\no S M\nflj\nflj .\nil  -8  \u00a3'\nJ3 .3   ft   O  CO .3 5\n1 I* \u00a7'5,2 2 pp-.\n3\u201e 2 x m a, o\nft po 3  ft       cr\n. a S     2\u00a38\n~ 3 .3 rf \" g a\nrf id 2 a id 2\n5        .O   >p o   o\ngo   .8ft\"\"\nS. frill 8 S\n.2* 26s\nflj \"S O a      r>\nS'aa-c2\n3 \u00ab \u00a7 g .2 Tj\n_2 H a o _3 .a\n\"O    ft    3    co  \"O\n2 \u00a7 i'&s\nB-opI ft- .3\nr> a) .a a\nt. o .a  .\n\u201e\u2022 3 a s 13\na s s 3 a\nIt\n!. cfl  rt  rt   is\nf.a   a 8\nis o\nS2!\nf ai\n&*:\no ._.  \u00bb\na P\na cd p\nrr a ;\n3 g !\nrfrffl\nc- ;3 ph\nH\n\u25a0S\nfl\na\nrt\ntm\ntt\na\n\"ra\n3\nI\no\no\ntt\nO\nCfl\nR\nfl\n-a*\n\u00a3.3d\n\u00a3 * a \"j\na rt ft 73 ft\no     a \u2014p a\na rffl \" s\no ft ph \"o a\n- ja o a a\n&3 fr s 3\nft ft y rf a\nrf -* o g 8\n2   *. a-rt ft\n\u2022 ft co rt u a\ntt a l, tt __.\nIll w\n73  3  C   tt\nft \u2014   \u00b0 fl\nM-*i\n\u25a0D a\nS3 a\n3\no -a\nI'\nrt >q\nfi fl *a !\nfl ft fl\n*g ft .3 :\nc 2\npa\nJ    CJ   tt\"  (\n1   ft   00\na rt (\n\u2022a +3 s\n-si-\n\u00a7.a a\n.- a\naft\"1\n\u2022a a\" c\no 2 2 i\nfla.fl J\noj**rt       c\n3 o >ij\nfl   ft fl *\n0 ra s\n\u00a3 fl ft {\n3   <=0 3   C\nra     fl t\ntt     ^ C\nfl\" ra fl '\n*S rt rt E\n\u00a3 afl t\ntt   -   _\"\n\u2022% \u00a3\u2022\u00a3! 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I\n'    tt    3\n-    ft    \u00ab\n\\ a\nQJ\nftV\nS tt   .;\n8 a g\ntt   \u201efl\n\u00aba\na a\n8 a a\" \u00b0 a\na     a 8\n\u25a0-  . 2 S a\n,.-^\u2022\u00a7\u25a0\".2\n111 SI\no ? ? y ft\nB. fl _. c x\nft C 2 P3 tt\n(j\" \"ftfl tt\n22 2, ,d2\n33 a) 73 h ft\nO t cd O o\nfl_S  ftp\u00ab  3\nft o\n.a .a'\nVr\nS\nc)\n'co\n\u2022a\n* a\nSo\ns<\na..\na8\n<\u2022=\nr>. tp\nII\n23\nO\na\nft   .\n> f S t. ft\nOft X ft ft\n> O > PQ\n3 3  A\n.^ o   \u2022 o >\nCO   o OT ft   o\niS       \\i ft\no o\nod   ^\n8 S \u00a7\n> 8 ,?\na 3 >\ncr a\na . o\n> S -8\na ft      -2 73\n6       33 \u00a7\ngS HrZ Pj\nkpS   ffio d1\nri <   o SB o\nSfl      3\n\u00ab ft     o\n-\u2022I  i\ni ~; \u00bb rf\nRPO\n3e\n=o\n\u25a0S3\nz <D\n\u25a0oS\n2-o\n\u25a0gs\na\na\na\nO\nfS\na\na    \u00a3\ncd        \u2014\nu.f\nis\n\u00abz\nd d\nUU\ncfl   cn\nSS\n4)   ft\nsa a\n3 7d\na a\na o\no>8\na a\no\ns 3\nfl IS\naB\nTJ .\n\u25a0O rt\nrt ppo\n-il\nart\n-Hh    .\n73\n3\nki i\ns\u00ab e\n8\u00ab -\n\u25a0ag r\nS 5 u\na_Z \u201e\u2022\ndo *\nUO -\na cd\no _a\n00 lJ\nft     ft\nih a _a\n8i3\n___:   \u2022-\nOf-,\n, \u00ab a\nft ra 3.o\nS fr-gpS 5\nh \u00a3 o <; \u00ab)\ncS.S     o\nti   H t,\na a   a\n.S ft    p>a\nie ft      ^\n\u25a0a a        i\nO  -P^  prf   *r    \u00ab\n\u25a08 \u00ab g 18\n\u2022a -p u -p a\no o     o\ntl   tl L-i\na a    a\n REPORT OF THE SUPERINTENDENT OF INSURANCE,  1975\nS 25\na1\ng a 8\"|\no a ? aj\np,fl ________ tt\n5? > fl fi\np  ^ fi rt\nrt    * rt ft\n\u00b11 ii A\ntt  oj S\nA fl oofl\nrt fl   M\n_s  - S ft\n111*\nrt      tft\nfl\"I &\n\u2022> Ih I* fl\ntt flj \u201e o\ntt Ti   cfl   Q,\na =2 \u201e\n'IIS\n\u2022 1?1\n\u2022>. 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\u00ab\nS   E\n!i-l\n\u25a03 2\n<rS\nl-s\nS a\n2^\n<\nCQ\n8\n8\n3\n>\n>\n>\na\"\n>_\n>,\na)\n0)\npd\n>\n>\n.a\na\na\nu\ncd\na\na\nw\n0\nw\ndi\nS\nj\nft\nft\ntt\n\u25a0d\n<u\n>-\n>\nfl\nfl\nfl\nO\n0\n0\nO\n0\nc\nc\nc:\nrt\nrt\n>\n>>\ntt\ntt\ntt\nfl\nu\nfl\nft\nCfl\n0\nfl  fl\nrt 0\nAm\nfl\ntt\nW\n<i\nK\nH\nrt,\"\nft\na    2\nJ3\n>4\n\u2022<\nft    _5\nI\n8 3\nra\nll\nQJ   1^\nn      ft 1\na\u00b0\n?_s\n\u2022as\nft-.\n^iT3\n.2 a\na\ni   o\nH     a\na\nO\no\nu\nera 3\n\u2022a o \u2014\nS,g\nu\nZ-g\na\n09\na\n\u2022a 3\na 0\n0\n0\nJa\na\n&J3\"\nfl a\nco  3\n\u2022a J3\nW   3   CO   3\na S -a \u00a3\nU\n\u00ab>i i\n1--55.H\nft     _0\n5-a 3\no o   r\na ><.<?\n3 .U\n>&5\ndZ.1\n\"ol\ngUu\n\"a\"a\n>2 2 3\n35|\n\u25a00 po\"?\na a &\no o \u25a0\u00a7\n-Of) 3\nrt rt ft\nft  ft ft\nW W C\/3\na\nO\na cJ\no\nU\n0\nrt ft 75\n_a\nu\ne (Fors\n_, Swed\nStockh\nH\nco\nfl\nd\nU\n*rt\nft\ntt\n\u00a7\nd., Th\nkholm\nLtd.,\nw5\nfl\n*M\nft\nU\nO\n*i ft   \u25a0\n\u25baJ 0 0\n\u2022ft\n'ft\na\nfl\ntt\na\n=8\nIns.\nrius\nia I:\nc\n60\nfl)\n0\n\u00bb\u00bb^\nft\ns*\na 00\na a\nh 3\no *\nH.S\n.\u2022o\n_\u00a7W\nH ft\"\nOH\nU   r\nSU\nftft.\n REPORT OF THE SUPERINTENDENT OF INSURANCE, 1975\nS 27\ni\n\"ra.S 2 :\nB\u00bbpt3.\"\nrr   3   ft\na\" ra'S a\no a) ^ ra\na -13 a\n2 o a 3\noft    -3\nej s\"a\ng-rSfl\nI lis\na ra rt o\n. 0 3 Q\nu fl rt rt\ntt     fl\n-*__! fl        ft\nc 12 ft tt\nrt fl tt fl\nIP\u00a7\nOOtft        -a\n^\u2022s od a\na     3 a\nft . _p> ps\n\u00a3f Sgcd.S\no ft 2 .\u201e\n_f o  tt   cn\ng'SS <\u00b0\n\u00aba -.5 \u00a3?\nO   >> ft   ft\nftS&S,\ntt ft\n13 \u2014I fl fl\n^ g ^ I\nl^-flfl\nfl rt pg\n2 U rt o\nfl      ft\nO   U   & tt\nti m 3 \"\n%\u00a3\u2022** fl\n&fl 2\n-ft\"   -.'es 3\n*\u00bbH     >lfl     Cfl\nsua\nu tt A*\"*\nft  ftfl  tt\nA*\u25a0    a O\nC A 'rt *-\u2022\nflj rt __,\nfl   C  00^\ns g _s |\n\".8,11\n. 00 ___: a\nft S.a g\nagfl \u00b0\nS     _- ft\nn   - 3 .a\n. ft \u00a3 \u2014\n2^18\n\u00b0 1 \u25a0* 8\na 3     \u00a3\nco  ft T3  3\n3   . a lo\n2 S \u25a0 \u25a0 3\n~ ft rf a)\n\u25a0a 8 8 a\na ,3 \u2022\u00a3\u2022 <a\n-     a\u00ab\n\u2022sal\u00b0\n..a   *\na 5 j,\" 2\no -a OD-a\n2 3 g \u00ab\n'a a 2 a\nK .9 ro\nu   --ft\n\u201efl    tt  fl\n&8|\u00a7\n8 rf   .13\n.a pa ft ft\nfl_8 I a\n8. ft 10\n&3 a\na 8\n\u00bb a\nSp_S\na S\nS o\nifl.a\na\" 3'\n; o     a'ij \"o id\n'\u25a0o .it,-s 1\n\u00bb2 >-a 2 \u00ab \u2022-\ni S \u00abaS s \u25a0\n133 & a id \u2022\nO  cy\na_a\n\"SB\n3 a 73 ft j\n82\n.9 fi 3 nT \u00ab\nE \u00ab> a\u00bbi-'\n-a o '\n8 S\n,2 ft :\nc tt -\nfl fl j\n\u25a0Is\nI o fepp-i a* ft-\nrf-9 5\n\u20223   M     .-;\nti  c\na a8\n... .ft \u25a0a\n.83\n.2 a\n; ^o a a)- a\nrf o\nS3\n>.73 a\na a ft\nrt o 2\ngp S o\nS ft 8\no a p^\n'\u2022a:\n1 0 \u2022>,\n'   3 A\nas    13\nif.l||\nft - s\nO 33   3 j.\na a 3 a\n\u2014 .3  co  ft\n\u2022a i.aa\na pa   o\na cd a) ft\ng 8-S B\na e 2    o a .\n2 ft    52 a\n7) a u -\" a   ..\nX   O   ft   p_2  3 co\n-2-a? ? rfl i\nc\u201e.S&73\u00bb\n\u2022SS&SSJ-\njj   cfl\ntt   M\nl|pi*;\nft ra .a ft p.\nra\nrfl\nH\nU\no\ntt    \u201e\nS o\n>\u00a7ft\n. fl oj\n5H \u00a3\nfl rt\nrt      fl\n._: ft -^\na\na\ns    \u00ab\n<  <\nu\n0     a\n>.\n0    J\n73\nu      M\n3\nrt\ni  1\n=3\n<  w.\nft\n2 \u2022 0\nfl    cfl r \\\n\u25baJ S5U\nrU\n_-.   \u25a0\"S      Cfl\n3\na\nrV-S\niiii\nft Ph\n\u00ab u g\n\u00ab   0\nW\nCO      cw\n.3 73\n33\nra\u00ab\n'5    Sp\n2 M\nSi\n.\u202230\no       rf\nu s\no\nH\n\u25a0S3     a\nlw. 8\naa\n8 s\noS\nhh\nO    \u2014\u25a0\n.  si\n0 c\n. tt _.\n3\u00b0I\n_2 pa 7.\n\u25a0< a a)\na n\nd) ra ._\u2022\nra Ti '5\n1 o t*\nh a\u00ab\na-a\n3 S\n\u25a071 tfl\n3\no\nH\niff\n3*3\n:lu\na p.a\n\"^a\nS ft ^ '\nl2^\na\nO\nU\n2\n3\nra\n S 28\n\"5\nc\n2\n8\n<\n5\nVi\ng\nttl\nI\nOS\np.]\n\u00a7\nq\nw\n(\/_>\nz\n8\nw\n3\n1\nl-H\ns\nft\n03\nMS*\nill's\n.a'8\ng>28\n||| 1\nC|    g\n&8 \u00a7 2\n_S  >  3 tj\na >    ca\n\u00bb. ft ft\nCd       ft -a\n\"3 CD > o\nS~ 32\na ft ll\na 3 -S\no\u00bb_g   .-a\n>% a \"3 a\np-p cn i a\nft s\na s c\n2 \u00ab 3.2\n-5   ft   CO\na u t cd\n\u25a02 \u00ab a\nS^oftt\nitla\ntt  c rt >;\n.O^ ft\nftft.,\nW   ft U tt\nI \u2022all\n\u2022ol 2^\ns \u00b0\u00b0 ,.-\n2 \u00ab \u00a3 g\nfl \u00ab \u00a3 P      fl\nrt-S, tt \u00ab      rt\n*ft~   \u201e*3 fl      _+_*\n*\u00ab b rt fl\nft     ft     fl   -H\ntt tt o ..\n.5 2.^2 JJ\nrt 2 2 \"r\n^?o\n2 3 0-3\n8 2 -a a\nra S a.a\n.ft 333\n<D\n|1\nft   r;\n3-\n\u2022a \u00b0\nft ej\nCO    Q\nf fl\na rt\nJ s\n^c\ntt ,rt\n\u25a0^ tt\nft5\nIf*\nlis\n. .3\nSh?,\n2ft\n73 t ft\n3 3 J3\n51'\nS-a'S\na a\na a ft\na*dS\n_, c -ft\n3   S3\"\n2   . o\n1 s\nBRITISH COLUMBIA\n& a 8 U sj ]\n| -2 3 1 \u00a7 \u2022\na a p.   a\na x co   - a\n. \u00bb\n\u2022 ft\ni_,ppj>,0    -\u00a3 .3   =,\nOo) 3.     ft tl a ^\njaaco^.j-cdt.\na -3 3 a 75 2c  ft .\n'\u25a0 - a a 2 o. \u00a3 \u25a0\u00ab\n. .i -a ?_; a cd &\n2-g S So 3 \u00a7\u25a0\np... a _rr o1 tp\nS36l5j,\n. O  ft 33   ft\"3  X\n:To a tj \u201e a g\n8S\nII\n3 ra\nK S    -Oft\na > c o a\n\u25a0arf^a\nIS\u00a72ftrfh-8.3\n-     ._ 2 fl ra a\n.rftpOftSopsccdft\n8 3 a a a a M-o\u00a3\na\" ?s\u00b0fl &s >,,\na,   ra.a^o   .gftS\naSSftgBSp .flj\nS'g'0*\"ig,|a,t\n\u20222'C W\"g\u00a3 a o.S 3 i\n\"\u00bbS>, >,A a ft ft c\na  . & 2 SC- > 13 ;\n\u00b0fsal \u00a3 I** ,\n\u2022^ a\n\u2022al\n&ft\n-J3\nnsporta-\nfalling\nlimited\nnmpany.\nCanada\nsur?.nce-\nean marine,\nearthquake,\nwindstorm,\nance of the\nCO -^\n3 o\n2 2   g   ft  3 -rt\n*- ft a rj M rf\nMc.\n\u25a0o|2SsO\n, oc\nto,\nand\nnsur\na*\nS rSro >h J ft\nrt   cj\naS\ninl\non\nwin\nbus\nagn\ntion\ner,\nre i\n-id a\nu \u2014\nO   ft\nr antee\naddit\nr, and\nisuran\nof its\nComp\nrt p^ ^ ca\na 3 3 m\n2 o \u00a3 o\nCO A\na .a     >.\nfill \"ft\nft <u\nE ff\nft&\nWti\nB g\n\u2022a a\na \u2014\nrt cd\nc g\n0 \u00a3\ntt ft\nfl  ft 52\n\u00ab o .5\nC   ft tt\n: ^\ntC\nSi   _-? ft \u00b0\" rt \u2022\u2022-\n9   rO   _, C3 ft   \"ft    hhT\nJ? tt rt *ft\n-\u25a0g g tt ft\u00a3 rt\ng rt 5 a o o\nrt ft\nA3 tt\n3 fl\nrt rt\n\u00ab tt\nft w 5 .   ft ft &\nS .fl ft o a rt J-\n|   tt   ft\nit %o a &\n3 fto\na \u00ab\nis     c m -ft a w\n\u00a3   to-\"   3 -fl ft\nrt <^ \u201e, W a ft\n|S \u00a75 ft\nnS l\u00bb a ft S\nsi\nit:   &4-Sj\nu is\nc\nrt  tt\nJ tfl t!\no S\n\u2014 <U r~4\n,      '    ft\n; ft OD o ft  - .. -\ni ft a & x  . *a o\no a ft.ft as \u00a7\nE S\nO J3\n\u25a0O  O\naa\n3 8 -5 a\nH fl ft .2 '.\ni 8 <3 a i\n3 p*\"S\n-rSBo^-\n3 3 ft-\u201e\nJ >^ 3 Bi\n\"ftft.        _.\ntt tt ft^t\nft rt *a    -\n\u00a3 * BIS,\nft - 3 J=\ntt T3  -ft .\nra S2 a\nJ! 3 a 2'\nil'Ji\nco     ..a\n3 a-S3 o\n\u2022a>^a\u00ab\n>S rt tt \u25a0\ntt fl      \u00a3\nft co qj g\n\u00bbft\n&2 \u00a7 S\nS2ft e\ng-Sl-g-;\nfcL> B-fl i\n'^     -p\n\"2   M.J\n- rt -ft rt\n!rf?\u00a7\nlift\" 1\ni\"Sra3\nI all\ns p      S3 \u25a0\n\"*M u '   1\nI \u00a3 j S \u25a0\nJ -fcj   ft tt   ;\nsii\"\nra ra -a\n8 S a\ny Q a\n>>a   -3\n8-sj.a\nI11.SS\no ra ft co 8\no   . > ra po\n- S.\/3 ft ^ L   ...\np-p.. a rn o u-c a;\n. _j _>\n1   Cd    rr\n**   S*.\n73 \u00ab- a rt\nSo-\n5_a I\na*|\ni *, u \u2022 a cj\n.oftfi,aa2pSa\nJt-JftrSracdcdftu\n.Sflp\u00ab -^3.aa\nra-p-s-p-p ^\u00abu co\n3 B a -a . - a\n),raftft__._>.ftip-\n- a -p^ a \u25a0\" ft a) cd r*\n\u2022 \u00a7=3 2 a a \u00bbf'a\ncj ,3\ns _,___,-\n' Art\nrt *\" ^  C W\nflu rt\nI paS\n\u2022 S B tt __\u00a7 \u25a0\u00ab\n; ft .5 o \"fl fl\n\u25a0 &\u00aby (\no rt j\nfl-a\njla\nI       rt\nIS j.\n2 & I\nSfl\nj9\n. 2 a\n\u2014      0.\ny _. o ft\ncd   W   i.   in\na 873\n\u20222-3 o\n+j si *-\n; fl c       ft \"fl TO\n'Cfl        tt  rt       n\no o .   \"O fl bo ;\nft S fl\n,ft\u00abHH\ntt tt\n;-S>\n3 u\n<(h\nft\nSo\n8<\n2Z>\nrf    >\n>     2\nS\nS\n2M\n73\nU\nV\nO\nC\num\ns\u00b0\nrt\"5\no\nH\nA tt\n\u2022oK\nU\no\nH\nI 13\n: 8\n-ffl\nr\\   ft\n,r    ft\na 13\nfl a\n\"ft    CO\n&2\niv:    tt\n85\nH    U\nHH\no\nO\nr\u00bb\nz\nis\nI\nV   3\nz   1\nftos_S3\ns a i\nHDP\nHH\nu\nu\nfl\nrt\n.a\nrf.\ntt\nin\nfl\n'tt\ntt\na\n\u20225\n0)\ns\np\nu\nflj\n0     C3\n REPORT OF THE SUPERINTENDENT OF INSURANCE,  1975\nS 29\n; o aj\n2 \u2022*\n,___ ra a\n\u2022all\n\"    ft    CO\n833\na a \u2022>>\nS'C t.\no. 0, ft\n\u2014 o\n\u00ab rf a\na 8 a\n3.2 ft\nft '\u2022\u00a7 I\na j; s\nB  \u00bb_S\n18 o\na)\n.   rr\na, a -\n3 3 a\na- 2\n3 a\n\u25a03 J3\na     ft\no cd ft H\n'a ..-a a\n2 rf S a\nft .S 33 g\nK33    . o\nft rt a cj\nptp a\nti   ID\ntp    - O J3\nft    ft   -r  *3\n33 M \u00a3 ^\n_E\u00a71\u00b0\nrgi*$\n\u00b0   *\u25a0*  Tl    S\nifl ft ;; rt\nn rt \u25a1   i_\n\u2022S tt rt 3\nc - M\nR -T ft   fl\nO O   tt \"\"\nrt tt fi   tt\n5 ft P ft\nrt   tt   rt cP\n\u201e\u00ab\u00ab\ntt   fl   tt\" >>\n13   O   tfi tt\nHit\nrt \"O  \u00ab\nlla*l\nllll\np\nrt ft!\nft *9\na S3\no B      A\np-3 \u25a0_. a\nft o co\nK t.\nft a) -\ntp ft a\nft ^ ft\n' >>rS\n-a a j\nS'S S31\nVtiV\nSago\n\u00bb   _- U\nC   \u00a3 T3   C\nO  ft c  \u00ab\nis a-s\nt. *a ft a\nOfl   M'pp\n3'\u00a3 \u00a7 ft\na f 3,a\n\u25a0a 73 ft ._.\nI ft 11\nc to     o\n\u2022ft   \u00ab    - ft\na  cn   ft\"\ntt'rt -^ rt\noj  tt tt\nC ~'-fl tt\nW ft tt T3\nft    tt   !>   rt\nOO.g .ft ,q\ntt \u201e q. l\n00 k   c   '\nft cn   E -\nO tt .fl  (\n*ft C      A\nfl >ft rt t\nx 8 \u00a3 a\n- P -a 8.\nrf a 3 \"\n\u2022S      M ft\no \"3 a I\na 13\nrt  ft\n00 3\n-f\u00bb\n!ft7E-\n1 ft-\"\" E\n' a   . o\nr'C    ft    03\n: cd ^ -o\nasa\nEtt ft; is \u00abft\nQ ft 00 \"I o\ntt  rt\ntt\na*8\nrt *ft  d\n2S\n.as\nafl\u201e\n73   cd  a\nsail\nu SS tt -t3\ntt  fl f, rt\nrt rt tt tt\nft J3 ^\n\u25a0ft \u2122  ft rt g\n\u00b01*-1\nu ft ft o .S\no  O oj -ft\nfl 3 ft \u00ab  tt\nrt   ft   _--.   ft   rt\n-Bp-S\nrt 33 _\u00a3\nB rt 73\nO J3  \u201e\na ft a\"_s\nrs ra r.\na 3 ____ p*\u00ab\n2 \u00a7\u25a0\u00bb_ o\n\u2022 tp r- pn\nb o \u00a3 a f!\np- a 1- -a o\n\u2014 & a\na'.a a 0. a ft\n0 n a g ra\no a\n: 3 a\nrt J3\nrt  OD   -\no-t-ftttp-g\nft ^3 S rS ra -c 2 ft\ntfl\u00abftto*J'p-ft.flce\nfl     __. T3 <ft -fl        t5\niil\u00b0 .gf o\n^ gpi3 ias ft-2\n\u2022\u25a0- ra t .q\n;  cd cd O\n1  __, g n\n..i rt rt\n-  '\u25a0 \"\u00b0 ft\no 2 ra ft a *0 ft tt\no tt i^ *ft \u25a0;\u00ab     \u00a3 P\nS?' \u25a0ft' tt  b>. *P 55      *fl\nttrt^ttS-ttu-tt\nC; .-fl co ft   \"   - -^ C\nft tj     \u00ab s^ t; oj  \u201e\nJ     \u25a0  ' I        ft  ft ^p-.  (fl\nrt 3\n3 rf i -.\nft 5 .3 Ed \u2022-\ncd\nu ft ft\n2 aS\u00ab.S \u00a7\u2022\u201e co\n\"- &afl \u00a33 \u2122\nepo\"  - a ^ a g >,\nBaft-nBp-ptpt;\nS   0D^   a   Cd   ft ID\n\u00bb    S 8 \u201e ft \u00ab a\nBrfp^aSP1-   .0\n\u2022-;ih   fl   01   C     .cot\n^ftftargcofta\n73\u00a3 a \u00bb\u2022= s. 1 2\ng^^'-H e\u00bbfl fe\n' ft  C  rt ,*>\ntt\nft \u00a3, ft >,      rt >> tt\nIsS'feft'2'*-\no ft ..- cfl   * y <ft\n*73.ISfleS\u00b0\n- cu C a  . 5 a ft\na 1igJS&5l\n\u25a0g 8  .1S la 2\na 2 T, & 2     2 3\nl^-Sslll-s\n\u25a0p   o --\u25a0 \u00a3 _5  p ^j\"\nftn-.^-ftpO'fttt\n>S^lftrtwrttc\n- & f  \"\nIlIil.Bil  *\n*_C^_:*flrtuogQ\n_2\u00a3.\u00a7&\u00b0-K*ft     o\nft      \u2014\u2022 fl    r.xi    ~ _,       rt\no   --.oojcrflrt      ft\nCra5tt^?J=!u       '\u00ab\nsS_2fl.->.,g\nftcyw-ftfliittft .\"fl\n\u25a0^.p'otrtgouft rt\nP a o -fl __fl -y js\nT3ft.5WTO^fl\"a        **\np   rt   >   \u00ab -ft        \u00ab  tt\n_Tft   ^ tfl rt ra\nfl tt ft flii^tft-^-p ku\n-2 6 ^ :\n|fl  Stfl  \u2014'.h\nft o 2:       rt w a\ntt >Q\ns 1.11 '8 \u00a3\u2022 1 \u2022\"\"\n0 -=- '8 oo\nftg\n. t*\n>>2\n3 5f\nag\n^ tfl ft      w\nl&.\nrt >> tt     rp\nfl^ll\nv\nt^,  rt aj \"O fl\no   \u201e ft rt p:\nft ft o\n^:'gtl*f|i\nI a ft\na r\n0\na.fe.S\n\u25a03 u- :     a % a 3 2 & a\n:caop2\u00bb\u00a3ftftM\nq.flrtft'Ott        tt^p\n! TS^rt'fi       -Ctft'fl\n3 - \u00b0* ft^ K a op:\nj-oftftXcjttrtft^\noc_2ittil>,^ttMw,ft\n3 w-S*2  \u00ab    Stttt.\n>c^   . p &\u00a3^~ \"1.2\n-(Utt\"Ofllflj.vH3cfl\n3-SS2.ea_&\u00b0flo\n3 ^__jflj__;2 mttft\n\"&Sa ra aSgrSd\n\u00a7M\u201e \u00bb2.as^|\nS w.h _. \"D * u     *aa\"\n5- ae2 \u00ab*s a*\n.\u2022 O.   rr ft   _       -  ^\no.ft ft_a S \u25a0\u00bb\u2022 ft\n\u00ab re ft\" <h -S frns \u00a7 >s\n3 \u2022\u00a3 D ft ft g id ft^ft\n\"g I? >; -'11\u00b0\no it sak \u00b0-B ft-0\n\"33  ft  ft-Ef rfjj-ft\nn*.pSraoftBrar3\n\u00a7 _L fl \u00a3 rS S hh *\nft . a 3 o s \u201e S\nPa33cdP\u00abT3l32\na5 a .s-ogS\nftjs 3 rfara ra g\nrt  rr \u2014.   ft      - 3   ft \u2014   ft\nc,3fl)3a'SS?ftS-\no 2 _e 0 .a    _s a s\ngftrSbt^-gcaS-\nft-3 0aeBa^ra'\nararf   .Cecoo   .\nid id\nt. ti\n\u00a3 E\no -a a)\nrs a\n3 ._3\n^ a) o\ntp 00\u2014p\no ra \u00bb\n0!M -3\n\u2014 ra a\n828\n\u25a0a t.rf\nft a\n\u25a0a32\n5 a2\n,a&;a\nft a    a\n2 s     \u00a7\nS a \u2022 a\nH       ft\n\u00ab73.3 rf\n>, a\na \u00b0\na o\nOD 1\nrr      tl\n3   S\na fl\nfl)      ^\nft i: id   .\nODoDft-\n22 \u00b0 2\n-2i3 a\nt1&8~\n.a t; s 2 c\nm   ft   H 33   C\na o cd +\n00 O to ^  c\na a 13 _- :\n33 ft a a \u25a0\u25a0\n3 S -a\n8'5\n,\u00a3 rt & *S\nc   \u201e 0\nu-n\n- 0 ft \"p\ncs  si\n-M tt +2 qj\nxplos\nck, p\nwea\nake,\nft rt\nCD\ntt\"  >\nC    \u201e\ne, e\nesto\nage,\nhqu\n2S \u00ab ??\nO rt\ncn  ra\np  tt\nft   HHJ   +__. T3\nrt rt rt  tt\ntt -ft  &. ft\nft   >   o\n114\n\u25a0a1\"? g>2\"\n\u25a0S ajS-g\n\u00b0M\\\no    -       fl\nM23 8.\n-J3 a   .\nii ft \"C 23 *\nra > a'S .\nra. a\n3 a\n33 a\n!> ft\nft u\na a,\nS o\nrf ra fl j\nPP3 3J    MppJ\ng ra\n33 *ob\n33\" 2 a\na & 2\nft\"    45\n2 be\nCt-g\ncd  CD  fi\nz    \u2022=\nu    m\na\n>\n>\ntt\"\nft\np.\nft\na\ns\nH.\na\nw\nQ\nH\ns\na\nOJ\na\n^\n\u25a0s\nh)\n0\n0\n_z\no\n6  &\nz\n_k\"\no\n&\ntt\nz\nw\nz\nz\nh7     H\no\ntr\\         co PO\nsi\nfl\nft      25\ntt\n\u25a0afi-o 2\noO\u00ab) a\nfl\na     a\nZ\nD    S\nE>^\n>.Z\nS M     V\nP C   ft\nS|E\nrt 5\n(fl fp o\nCj c;    ; .\nrt ifl   00\n8 I s\nS =\nis >\n S 30\nBRITISH COLUMBIA\n-a\nca\na\n\u20225\ne\no\nO\nft\nU\n<l\nw\no\ng\n<\npi\nfl\nVi\ng\nW\nfl\nft\nOi\nn\nfl\ng\nfl\n\u00a7\non\n\u00a7\nVl\nPi\n\u00ab\nPi\nfl\nVi\ng\nHH\nft\no\nft\n<\/3\n\u25a095\n\u2022SfrS\n\u202255\n3\nO\nfi,,\no\nsm O\nfl\niii\no\n\u00a72\nB\nOJ\n\u25a0sS\nrt p\n\u2022era\n0\nu\n<\ncn\n<\na\na!)  tt\" o o\n\u25a0p  rt rt  >,\nM *  &\na* 2  .- o\n\u20222~2a\ncdft ft ra\nt*33i.\no a w ft\nci.-r t> po\na ft -. =\nS \" fep 3\ncd      -c\nco a y\nm ft 2 a\n13 a 5 a\na 3 ft co\n2 ft 3 .3\na \u00ab a c\na &\u00a7\u2022\u25a0\nft ft -5\nra p, ft\nfl ________ ra\nO0\"rt   tt\ntt   \u201e\naj \u00ab\" 2\n00 ^ 3\nft rt g\n\u00abS \u00ab*a \u25a0\ng rt C \u00ab,\nO     \u00ab-tg   '\nft\u00a3*  ; I\nX   R   O   '\n<U   tt _g   ,\n& <n \u25a0\nrfS s\n2 ft*\nflag\n.5.2\ncd\nfl\nft\na\ntt\"\nfl\nV.\nft\nrt\nft\ntt\n1\nU     Cfl\nft rt\nfl\n.2\n0\nftti\ntt\n\u2022a &\nft 2\n- a\nX\n>, ft\n0 .a 2 a\noa-3 a\nco cd a ft\nS-33  S\nft rf  - o\n.a a \u00b0\na rt a ft\no 3 o _a\nra cr to \u2014\nra 33 po cm\nCC.5\u00b0\nO   ?.   __:  ft\na, ft Is 5\na   .13 a\ntp    \u2014 ft a\" a\nft     13 .a ft rH\n3 a gca\n'.8 &\u25a0\u00ab\n: -3 00 tj\n! \" 1=3\n.a 2 S\n. 3  cd *3\n1     fe a\n.   - is a\n\u20223     5.:\na\ntt\n5\n\u2022\u00b0   ftT3\nOrt\n1.1.9\nS'N\n. a a\n\u2022a -A\na b\nS3 a .\n33 o \u2022\n2 8 '\n-O   ID   c\n.ft!\n2   - c\n\u25a033    CO    r\nj)\u00bb-l\n2- <\n6 M.3\n2   ft   \"rr\naas\n3 3 H \u201e, a\n\u00ab-.-nfl^5':\nra -fl -\" ra ft\" tt ;\nsi a\ntt -A ft\nra j) tS\n..a 13\na S.S\nft 33  S\n\u2022a   .\no .M rf\nft \u00b0 \u25a0\u00ab\n14 2_H\nft\nu\n^ tt \u00ab ^\na g*g\nagSS\nrt a^ \u00b0\u00b0\nS\"1     tt    **\nQJ    O  C\n^3 ,!3 rt ra\nT_J tp ft\ncj \"\na?\n<\" s\n3.13  &\nft a\nCll\n3I-8\n< 0\nr6-a\np id pti\ni     ft\n3 ..a\nS3 .2\nas\n2 s.\nra a\nID   O\n. CO ..\nau a\n8.3 2\n111\n\u2022\u00bb11\nco   ft .3\nft2 ft\nr-\"B\n1 s \u25a0*\u2022 3\nco ^ -a s\n- co ft      a\n; 2 n't. S\ni rag. \u00b0-3\n; ft .\u00a7 8 \u00bb\nft ra h ra\nj\u00a3 - fl <S\nft 5'\u00ab fl^\nfl> ra w\ns,-ls|\nu\nft   ft\na -   a\nO   >, 3\nOPO       >\nio\nH_g     a\n1^ _a      ft\na 9    a\na-J\u201eS\nW   . S3 W\n\u2022a * _\u2022\nu .   a\n>i\noz\n^  I\nOa    O    M\na\nO\nra'\n\u00ab \u00b1\na \u2022-\nort\n313\nOS\ni*~\nB\n0\n0\n\u00a70\n<\u00a3?\na\n0\nft 2\nS3 3\n1-130\na\nZ>\nB E\n8\nft ft\nfl)\nan a\nH\u00bb 3 ft \u00a3\n|S bE 8 a\nO       Ort  ft\n|2S|^-S\ntt o      !2      ft*\n_a\n REPORT OF THE SUPERINTENDENT OF INSURANCE,  1975\nS 31\nft\nO\n<\nw\no\n%\n<\nPi\nfl\nVi\nz\nI\u2014I\nw\nPi\nw\n0\nz\nfl\nQ\n\u00ab\n00\nz\nW\nO\non\nW\nH\nW\nO\nO\non\nft\nW\nw\n\u00ab\ng\nPi\nft\nft\nO\nft\nGO\n2ft        2 a\na a\nl-HJ\ni 1\n*b    -j3    (,_,\nI    8\ntt   p\n<U   rt\nsi\n\u2022a rf g\n.a a 2\n!\u2022\u00a7 ^\n\u00a7*\u00a7\ncn  c3    -\nMl\n\u2022a S3 a\nS ft a\nra     -a\n'S a)     2\no-f is\n*; 13 o\n^ C o\nco o ft\n\u202275 5 B\n\u25a0o a\n\u2022D a\nN   ft\n\u00abfl >a\nH\u00bb n r-,\na 3 J3\n2   . -o\nX S2 fl)\na rf x\n^c ft\n\u20222 2 ft\n\"IS -B\npa ft co \u2014\nS\u00a7l2\np\nIh\nO\nO\nti\n1)\np\no\no\ntfl\ntt\n<\nrt\n>\u2022_\n-o 42\nT)\n\u2022fl\ncfl\no\nc\nO\nft\n0\nft\nsi\nU\nc\ntt\n*tt\nfl\no\ntt\nTJ\np\n<\n3\ns>>\nfl\nrt\no\nO\nVi\nfl\n\u25a03\no\nT3\nu\n\"ft\n%\nCJ\ni>i\n.s\nO\nft\n<   a\n33\nb   g   |.g\nw S N\n\" QJ 'ft\n^ 2 fl\ntfl .fl *3\ntt tfl Ti\nN V R\n'3 fl W\n\"O       43       -O\n\u00bby      Jft !tj\n1-1 H.\nal acciden\ns.\nextent aut!\nextent autl\n3\nrt\nP\nu\nfl\nrt\no\nCQ\ntt\nal accident\nd by-laws,\nthe exten\nfl\ntt\nTJ\n*3\no\nrt\n.M\nII5JS\ntt\n.fl\n1\nDC\n\u25a0TJ\nc fl 2\no a -ft\nfl\no\n, per\nand\n, to t\n, tot\no\n09\ncq\nrt\nft  r^ ti\ntt g c\nft o o\nt'-ft *o\nft\ntt\nft\n\u25a0tt\naj\ntt         o\nS3       tt\nn    i-i 3\nt-l\ntJ\nv-l\nhJ      <\nhJ\n.So\n31\n2P\nfl\no\n! M\n\u00ab\n_>\na a\nfl\no\nrt\nry)\nau\n> ?\ntt\n> ra-\nO   K\n>\nfl\n\u2022a g\n\u00ab\npd\n&1\n|>\nB\nS7mft\n\u00ab*\nf a\nCfl\ntfl\n>Oft\n<*\ns\ns\niM\nuS\n1-1*\na    2\n\u2022-a\n. cd<J\nK       H:\npi   is   Di\nm'   a   <   a   a\nso\n\u25a0offi\ntt \u2014\n*jT3\n.3 B\nrt .tt rt\n\u2022_3\"\u00bb ca\n<, tt M\n\"rt ci ft\nO o a\nw ra\nS3   . s\n2 9 |\nft ,  rf\nw      ra ft Q\nH pp-\nCB      HjJ\ntt       J-       tt\n\u00ab ill\nO rt\n*3   tt\ns*a\nO   tt\n-I 3\n\u25a0a<\no-g\nI\n; a \u2014\n. ft ra\ni     3 a\n13  ft\n3 rf o 2\n;OJ5ft\nivi ft .!\n<o-1\n(fl     -c\ntt   tt \u25a0\"\n\"3 gs\nrt r\"1 (\nH rf,\nOft\n_?S\n(\u25a0*H     tt\nI e\nft  \u25a0 .ft\nH So\n\u25a0   >5J ft\ntt o J - \u25a0\ni-h .   1  -ft r\nS-l\n<\nft \u2022-\u25a0a\niOo\nft\ncd\n\u2022Sa ra\no 3\nco a\nCO   cd\nO T3 -r-\n2 \u00ab\nS o\nra ti\nOO\nH* ft\n5<S2\nh a a)\nO o 13    \u2022\na a a\nti ,\u00b0 ft a\n2H aO\nft    O\nB a\n3  rt\nU ft\n-H 3    \u2022\ns<_\u00a7\na o\n\u25a0a     \u2014\nU fe ra     jd\nco  cd   o\n.ft \"O 5*\nrt p^p\ntt   W\n> -\nrt \u00a3\nft A .\nSt:\n3 _3\no 3'\nSO\nis\nrt\nft\nO\ntt  rt\nmS\na iS -o \u00ab\nft s ft o\nJO 3<S   ft\n33 ti\na o\nS a\n S 32\nBRITISH COLUMBIA\nw\nO\nI\nfl\n(fl\ns\nB\no\no\ncs\nZ\no\nb\nw\nCO\nol\nB\nA\u00ab\nZQ\nfl|\nwz\n9 \u00ab\nSo\nKg\na\n0\nz\n<c\nfl\n(J\nX\nft\no\nft\nHH\no\nft\no\n\u00abo\n> o\nft a\nx o\n?1\n3   H\nS  3\nw>\n\u00a78\naa\na     iS\n3     e a\nC\/3 H   3\nWJ fl)   5)\nft       \"OB\nm , a fl\na=P t.\na\".\u00ab 8,\n2 o a 3\nW  rt 2^\ntt   R TS\nlaJJ\nra      aa\nO     ,-10.\n\u00ab    8\nH     aj\n< \u00a7\ncn   2\ni\u2014i     2\nft      \"3\na s\no\no\nVi\nw\nQ\nz\nfl\na\no\no\n'>\n0\nz\n. ft\n2\u00ab\no .a\nO ft\nl\nSB\nhH\ntt __\nft\nW\n\u2022--d\nHH\n\u2022S.2\n13\no\no\n00\n&\nas\n\u2022 >>\nO\nO ft\nft\n\u25a0a ft\n.a\ntfl\nftH\nM\nft\nOM\n REPORT OF THE SUPERINTENDENT OF INSURANCE,  1975 S 33\nAnnual Statements of Provincial Licensees\nTHE BRITISH COLUMBIA INSURANCE COMPANY\nHead Office\u2014Vancouver, B.C.\nDate of incorporation, February 1904, R.S.B.C. 1904, chapter 57; amended\nMarch 29,   1934,  R.S.B.C.   1934,  chapter 70;  amended,  April   11,   1946,\nR.S.B.C. 1946, chapter 81.\nDate commenced business, 1948\nOfficers\nR. L. Moore, President\nL. H. Gledhill, Secretary\nR. L. Moore\nK. B. Mossop\nDirectors\nJ. L. Woodley\nW. H. K. Edmonds\nR. R. M. Morgan\nAuditors\nThorne, Riddell & Co., Chartered Accountants\nStatement for the Year Ended December 31, 1975\nCapital Stock\nAuthorized  \t\nSubscribed \u201e ..   . \u201e\nNumber\n80,000\n44,389\n44,307\n82\nCommon\nPar\nValue\n$\n5\nAmount\n$\n400,000\n221,945\n110,768\n410\nPreferred\nPar\nNumber       Value\n$\n20,000          5\nAmount\n$\n100,000\nPaid in cash         \t\nOr stock dividend\nTotal authorized _\n$\n      . 500,000\nTotal subscribed      _____\n  221,945\nTotal Daid in cash or stock dividends\n  111,178\nContributions to surplus\nUnpaid calls    \t\n       Nil\n       Nil\nShort-term deposits and money-mai\n-ket secu\nAssets\nrities\nIn\nCanada\nOut of\nCanada\n233,473\nTotal\n233,473\nBonds   \t\n50,036\n50,036\nSummary of investments\n50,036\n233,473\n807\n2,400\n16,959\n80,000\n283,509\nCash \t\n9,553\n10,360\nInvestment income due or accrued\nAmounts owing by reinsurers\t\n356\n2,756\n16,963\nOther assets     \t\n80,000\nGross assets \t\n     59,949\n333,639\n393,588\nDeduct\u2014assets not admitted\t\nTotal assets admitted\n     59,949\n333,639\n393,588\n S 34                                                    BRITISH COLUMBI\nLiabilities\nUnearned premiums extended at 100 per cent\t\nExpenses dne and accrued\nA\nIn\nCanada\n$\n6\n5,400\n12,694\nOut of\nCanada\n$\nTotal\n$\n6\n5,400\n12,694\nProvisions for income taxes >'  _         \t\nTotal liabilities   \t\n18,100\n500\n43,749\nNil\n110,678\n220,561\n18,100\n111,178\n264,310\nReserves and Equity\nCapital stock paid          __   ..  \t\nSurplus\u2014retained earnings    \t\nTotal liabilities, capital, and surplus   \t\n62,349\n331,239\n393,588\nProfit and Loss Accow\nNet premiums written\nit\n1\n7\n11,135\nUnearned premium and additional policy reserve adjustment\n11,135\nNet premiums earned         ...\t\nNet losses incurred, including adiustine exoenses     __ __\n7\n11,135\n11,142\nSubtotals    \t\nCommissions and allowances\n7\n3\n7,508\n11,135\n11,142\n3\n6,542\nGeneral expenses     \u25a0    ..       \u2022    \t\n966\nUnderwriting profit or (loss)    _  \t\nInvestment income  .\nOther income, and expenditure.\n7,504\n11,993\n12,001\n13,281\n10,593\n4,497\n25,274\n10,593\nNet profit or (loss) before taxes    \t\n4,489\n12,694\n14,789\n1,595\n19,278\n14,289\nTncome taxes\nNet profit or (loss)     \u2014 _.  . _\n8,205\n13,194\n4,989\nSurplus Account\nNet profit     -   -.\nDecreases\n$\n$\n4,989\n259,322\nIncreases\n$\n4,989\nTotals       \t\nNil\n4,989\nNet increase                                          \u2014\t\nEarned surplus at beginning of year  ,,..,,,\nContributed\nSurplus\nNil\nNil\nEarned surplus at end of year    ..  \t\n264,311\nBalance at beginning of year\t\nPaid in during the year  \t\nCapital\n111,178\nNil\nIMBIA\nare amendec\nBalance at the end of the year    \t\n111,178\nNil\nReturns for British Coli\nNil\nStatements of Provincial companies are checked and\npublished in this Report subject to inspection.\n1, if necessary,\nand are\n REPORT OF THE SUPERINTENDENT OF INSURANCE,  1975\nB.C.A.A. INSURANCE COMPANY\nHead Office\u2014Vancouver, B.C.\nDate of incorporation proclaimed, December 1969\nDate commenced business, January 1, 1970\nS 35\nG. C. Bradley, President\nW. A. McKinley, Senior Vice-\nPresident and Treasurer\nH. N. Crompton, Vice-President\nR. J. Bower, Vice-President\nOfficers\nP. Wing, Vice-President\nD. W. Bird, Executive Vice- President and\nSecretary\nT. E. Holmes, General Manager and\nAssistant Secretary\nH. Assman\nG. R. Bengough\nR. J. Bower\nG. C. Bradley\nH. N. Crompton\nR. K. Gervin\nR. J. Hastings\nDirectors\nT. E. Lougheed\nW. A. McKinley\nDr. N. E. Morrison\nF. J. Ney\nG. C. Parrott\nF. R. Paxton\nJ. Pilling\nA. R. D. Robertson\nHon. J. G. Ruttan\nC. A. Simpkins\nE. C. Sweeney\nK. P. Weaver\nH. D. Wilson\nP. Wing\nAuditors\nShand, McAfee, Lilly & Co., Chartered Accountants\nStatement for the Year Ended December 31, 1975\nCapital stock authorized\u2014\nAmount \t\nCapital Stock\nNumber of shares\nPar value\t\nCapital stock issued and outstanding-\nAt beginning of year\t\nDuring year\t\nTotal capital stock at end of year\nNumber of\nShares\n9,853\nNil\n9,853\nAmount\nSubscribed for\n985,300\nNil\n985,300\n$2,000,000\n20,000\n$100\nAmount Paid\nin Cash\n$\n985,300\nNil\n985,300\nPremium on Capital Stock\nTotal amount paid as premium on capital stock at beginning of year .\nTotal amount received during the year\t\nTotal paid to December 31, 1975\nUnpaid calls, nil.\nAssets\nShort-term deposits and money-market securities\nBonds \t\nStocks \t\nSummary of investments (subtotal)\n$\n985,000\nNil\n985,000\n533,934\n3,634,201\n331,517\n4,499,652\n S 36 BRITISH COLUMBIA\n$\nCash  560,991\nInvestment income due or accrued  78,092\nAmounts due from agents and brokers  78,592\nAmounts owing by reinsurers  275,671\nOther assets  123,098\nGross assets  5,616,096\nDeduct assets not admitted      481,340\nTotal assets admitted  5,134,756\nLiabilities\nUnearned premiums extended at 100 per cent ..     285,087\nProvision for unpaid claims and adjustment expenses  2,841,108\nBank overdraft and loans      237,543\nExpenses due and accrued      125,412\nProvision for income tax       25,538\nTotal liabilities  3,514,688\nReserves and Equity\nCapital and surplus\u2014\nCapital stock\u2014paid  985,300\nSurplus\u2014contributed    985,000\nRetained earnings (loss)   350,232\nTotal liabilities, capital and surplus  5,134,756\nProfit and Loss Account\nNet premiums written  1,065,499\nUnearned premium and additional policy reserve adjustment        17,447\nNet premiums earned   1,048,052\nNet losses incurred, including adjusting expenses  1,015,444\nSubtotal           32,608\nCommissions and allowances      268,425\nGeneral expenses     389,901\nUnderwriting loss      625,718\nInvestment income      420,3 5 6\nOther income and expenditure       55,132\nNet loss before income taxes     150,230\nIncome taxes        37,235\nNet loss      112,995\n REPORT OF THE SUPERINTENDENT OF INSURANCE, 1975\nS 37\nRetained Earnings, Capital and Surplus\nDecreases\nIncreases\nNet loss \t\nChanges in unadmitted ledger assets\nNet decrease \t\nEarned surplus at beginning of year\nEarned surplus at end of year\nBalance at beginning of year\nPaid in during the year\t\nBalance at the end of the year .\n112,995\n71,697\n41,298\n308,934\n350,232\nCapital\n985,300\nNil\nContributed\nSurplus\n985,000\nNil\n985,300\n985,000\nReturns for British Columbia\n(See pages 57, 62, 72)\nStatements of Provincial companies are checked and are amended, if necessary, and are\npublished in this Report subject to inspection.\n S 38\nBRITISH COLUMBIA\nTHE MUTUAL FIRE INSURANCE COMPANY OF BRITISH COLUMBIA\nHead Office\u2014Vancouver, B.C.\nDate of incorporation, 1902       Date commenced business, 1902\nOfficers\nH. S. Berry, President\nW. M. Page, Vice-President\nH. Bose, Treasurer\nE. T. Holtby, Manager, Secretary\nH. S. Berry\nThomas J. Erskine\nK. B. McKechnie\nLes Gilmore\nDirectors\nHarry Bose\nJohn M. Kirkness\nJ. Clarke Cherry\nRobert Bridge\nW. M. Page\nGordon Park\nThomas A. Menzies\nAuditors\nPeat, Marwick, Mitchell & Company, Chartered Accountants\nStatement for the Year Ended December 31, 1975\nGuarantee Stock\nNil\nAssets\nInvestments\u2014\nShort-term deposits and money-market securities\nBonds \t\nSubsidiaries, associates, and affiliates\nSummary of investments\t\nCash\nInvestment income due or accrued .\nInstalment premiums receivable\t\nAmounts owing by reinsurers\t\nOther assets \t\nGross assets\t\nDeduct assets not admitted .\nTotal assets admitted\t\n$\n10,000\n134,492\n3,972\n148,464\n4,156\n4,175\n93,994\n11,544\n10,200\n272,533\n12,797\n259,736\nLiabilities\nUnearned premiums extended at 100 per cent\t\nProvision for unpaid claims and adjustment expenses\nAmounts owing to reinsurers\t\nOther liabilities\t\nTotal liabilities\n118,456\n2,085\n100,273\n2,199\n223,013\nReserves and Equity\nGeneral as required by section 26\nSurplus (deficit) \t\nTotal liabilities\n40,000\n3,277\n259,736\n REPORT OF THE SUPERINTENDENT OF INSURANCE,  1975\nProfit and Loss Account\nNet premium written\t\nUnearned premium and additional policy reserve adjustment\t\nNet premium earned\nNet losses incurred, including adjusting expenses\nSubtotal \t\nCommissions and allowances\nGeneral expenses \t\nUnderwriting profit or (loss)\nInvestment income\t\nOther income and expenditure .\nNet profit, before income taxes\nIncome taxes\t\nNet profit\nS 39\n73,207\n35,509\n108,719\n63,558\n45,158\n8,080\n53,088\n16,010\n10,967\n1,200\n3,843\n3,843\nStatement of Retained Eearnings, Capital and Surplus\nNet profit\t\nChanges in unadmitted ledger assets .\nDecreases\n$\n.. 3,843\nTotals\nNet increase\t\n3,843\nEarned surplus at beginning of year .\nEarned surplus at end of year\t\n3,069\n10,318\n7,249\nIncreases\n$\n6,912\n6,912\nSchedule A\nTest With Respect to Required Minimum Assets\nTotal liabilities\t\nUnearned premium adjustment to 100 per cent\nA equals\t\n115 per cent of A\t\nTotal minimum assets required\nAdmitted assets \t\nLess deduction to reduce bonds to market\nDeficiency \t\n$\n223,013\n$\n223,013\n256,465\n256,465\n255,764\n20,592\n235,172\n21,293\nReturns for British Columbia\n(Seepage 58)\nStatements of Provincial companies are checked and are amended, if necessary, and are\npublished in this Report subject to inspection.\n S 40 BRITISH COLUMBIA\nPACIFIC COAST FISHERMEN'S MUTUAL MARINE INSURANCE COMPANY\nHead Office\u2014Vancouver, B.C.\nDate of incorporation, March 28, 1945       Date commenced business, June 11, 1945\nOfficers\nMorgan Berg, Honorary President     Glen Martinolich, Vice-President\nOlav Moan, President Harold Christenson, Secretary Manager\nArne Sorbo, Treasurer, Assistant Manager\nMorgan Berg\nLawrence Haines\nGlen Martinolich\nJoseph MacLeod\nTero Paavola\nHubert Poschmann\nStan Sorensen\nDavid Stevens\nDirectors\nDon Anderson\nFrank Dujmovich\nGordon Edwards\nOlav Moan\nLincoln McElhinney\nConrad Plensky\nRalph Wick\nRobert Emerson\nWalter Emerson\nVince Fiamengo\nRobert Nakashima\nJack Prince\nRoy Robinson\nRobert Wootton\nAuditors\nCampbell, Sharp, Nash and Field, Chartered Accountants\nStatement for the Year Ended December 31,1975\nGuarantee Stock\nAuthorized-\nAmount\nNumber of shares\nPar value \t\nGuarantee stock subscribed and paid at end of year (number of shares)\nAmount of guarantee stock subscribed and paid at end of year\t\nContributions to surplus \t\nUnpaid  calls  \t\n$25,000\n2,500\n$10 each\n1,899\n$18,990\nNil\nNil\nAssets\nInvestments\u2014\nShort-term deposits and money-market securities\nBonds\t\nMortgage loans and sales agreements\nSecured loans\t\nSubsidiaries, associates, and affiliates\nSummary of investments \t\nCash\nInvestment income due or accrued-\nInstalment premiums receivable\t\nAmounts owing by reinsurers \t\nOther assets \t\nGross assets \t\nDeduct assets not admitted\nTotal assets admitted \t\n$\n300,000\n2,697,364\n1,217,554\n100,000\n174,230\n4,489,148\n162,091\n75,386\n343,995\n147,860\n10,697\n5,229,177\n402,509\n4,826,668\n REPORT OF THE SUPERINTENDENT OF INSURANCE,  1975\nS 41\nLiabilities\nUnearned premium extended at 100 per cent.\nProvision for unpaid claims and adjustment expenses\nMembers' credit balances \t\nAmounts owing to reinsurers \t\nExpenses due and accrued \t\nTotal liabilities\nReserves\u2014general \t\nCapital and surplus\u2014\nGuarantee stock paid\nReserves and Equity\nSurplus retained earnings\nTotal liabilities, capital and surplus \t\nProfit and Loss Account\nNet premiums written\t\nUnearned premiums and additional policy reserve adjustment\nNet premiums earned\nNet losses incurred, including adjusting expenses\nSubtotal\nGeneral expenses .\nUnderwriting profit\t\nInvestment income \t\nOther income and expenditure \t\nNet profit before income taxes\nIncome taxes \t\n1,595,569\n379,421\n34,439\n141,633\n7,652\n2,158,714\n944,746\n18,990\n1,704,218\n4,826,668\n3,009,234\n362,134\n2,647,100\n749,107\n1,897,993\n223,078\n1,674,915\n354,759\n12,006\n2,017,668\nNet profit\n2,017,668\nStatement of Retained Earnings, Capital and Surplus\nNet profit \t\nChange in unadmitted ledger assets\nPatronage refund paid \t\nTotals\nNet decrease\nEarned surplus at beginning of year\t\nEarned surplus at end of year .\nDecreases\n$\n2,129,878\n2,129,878\n52,884\n1,757,102\n1,704,218\nIncreases\n$\n2,017,668\n59,326\n2,076,994\nBalance at beginning of year\nPaid in during year \t\nBalance at the end of the year\nCapital\n18,380\n610\n18,990\nContributed\nSurplus\nNil\nNil\nNil\nReturns for British Columbia\n(Seepage 69)\nStatements of Provincial companies are checked and are amended, if necessary, and are\npublished in this Report subject to inspection.\n S 42 BRITISH COLUMBIA\nROBERTS MUTUAL FIRE INSURANCE COMPANY\nHead Office\u2014Clearbrook, B.C.\nDate of incorporation, 1948       Date commenced business, 1948\nOfficers\nH. H. Pauls, President\nPeter Wiens, Vice-President\nC. H. Hiebert, Secretary\nJ. H. Derksen, Manager\nH. H. Pauls\nPeter Wiens\nGeorge Hooge\nAaron J. Janzen\nDirectors\nJ. J. Esau\nJ. J. Warkentine\nPeter Esau\nJohn Spenst\nAuditors\nErnst & Ernst, Chartered Accountants\nC. H. Hiebert\nGeorge Fast\nA. D. Schmidt\nStatement for the Year Ended December 31, 1975\nAssets\nShort-term deposits and money-market securities\nBonds \t\nSummary of investments\nCash \t\nInvestment income due or accrued\nInstalment premiums receivable\t\nAmounts due from agents and brokers .\nAmounts owing by reinsurers\t\nOther assets \t\n32,000\n4,000\n36,000\n1,738\n1,535\n4,678\n1,603\n148\n3,444\nGross assets\t\nDeduct assets not admitted\nTotal assets admitted\t\n49,146\n3,517\n45,629\nLiabilities\nUnearned premium extended at 100 per cent.\nExpenses due and accrued\t\nTotal liabilities.\n12,044\n846\n12,890\nReserves and Equity\nReserves\u2014general \t\nCapital and surplus\u2014retained earnings\nTotal liabilities, capital and surplus\n15,500\n17,239\n45,629\n REPORT OF THE SUPERINTENDENT OF INSURANCE,  1975 S 43\nProfit and Loss Account\nNet premiums written    9,204\nUnearned premium and additional policy reserve  2,272\nNet premiums earned     6,932\nNet losses incurred, including adjusting expenses        257\nSubtotal      6,675\nCommissions and allowances        107\nGeneral expenses     5,808\nUnderwriting profit       760\nInvestment inocme    2,993\nOther income and expenditure       525\nNet profit before income tax    4,278\nIncome taxes     \t\nNet profit    4,278\nSurplus Account\nDecreases Increases\n$ $ $\nNet profit      Nil 4,278\nChanges in unadmitted ledger assets      Nil 905\nTotals       Nil 5,183\nNet increase  5,183\nEarned surplus at beginning of year  12,056\nEarned surplus at end of year  17,239\nReturns for British Columbia\n(Seepage 58)\nStatements of Provincial companies are checked and are amended, if necessary, and are\npublished in this Report subject to inspection.\n S 44\nBRITISH COLUMBIA\nSEABOARD LIFE INSURANCE COMPANY\nHead Office\u2014Vancouver, B.C.\nDate of incorporation, 1953\nOfficers\nDr. C. A. Allard, Chairman of the Board\nDr. E. A. Rodko, Deputy Chairman\nJ. M. Burnett, President\nK. F. Rudd, Vice-President and Secretary\nC. S. Walker, Vice-President\nDr. C. A. Allard\nJ. M. Burnett\nT. Ledley McMaster\nDirectors\nDr. E. A. Rodko\nHarry J. Seed\nPeter A. Allard\nZane Feldman\nDonald A. Robinson\nArthur R. Smith\nPolicyholders' Directors\nDr. H. L. Patrick\nAuditors\nPeat, Marwick, Mitchell & Company, Chartered Accountants\nStatement for the Year Ended December 31,1975\nAuthorized\u2014\nNumber of shares ...\nCommon, par value\nAmount \t\nCapital Stock\nNumber of\nShares\nCapital stock issued and outstanding at beginning of year 539,823\nShares issued during year       Nil\nTotal at end of year\nAmount\nSubscribed\n$\n1,079,646\nNil\n1,000,000\n$2.00 each\n. $2,000,000\nAmount Paid\nin Cash\n$\n1,079,646\nNil\n539,823        1,079,646        1,079,646\nPremium on Capital Stock\nTotal amount paid\n$\n1,656,110\n REPORT OF THE SUPERINTENDENT OF INSURANCE, 1975\nS 45\nAssets\nInvestments\u2014\nShort-term deposits and money-market securities\nBonds \t\nStocks \t\nMortgage loans .\nReal estate\t\nPolicy loans\t\n1,025,000\n3,226,786\n308,467\n7,470,171\n\"413,625\nTotal investments\nCash \t\nInvestment income, due and accrued\t\nOutstanding life insurance premiums and annuity considerations\t\nAccident and sickness premiums due and unpaid effective after September 30 of current year (net, commission deducted) \t\nAmounts due from other companies on reinsured contracts for claims paid\t\nMiscellaneous accounts receivable\t\nDue from subsidiary\t\nDue from reinsurer\u2014experience rating refunds\nSubtotal\nSegregated funds .\nTotal assets\n12,444,049\n112,499\n161,885\n94,321\n21,967\n33,750\n6,280\n46,154\n4,129\n12,925,034\n1,887,876\n14,812,910\nLiabilities and Equity\nActuarial reserve for life insurance and annuity contracts in force\nAggregate reserve for accident and sickness insurance .\nAmounts on deposit with the company, pertaining to insurance and annuity contracts\nand including interest accumulations \t\nProvision for group experience refund\t\nSubtotal \t\nSegregated funds\t\nSubtotal  \t\nOutstanding claims under insurance and annuity contracts, including provision for\nunreported claims\t\nInsurance premiums and annuity considerations received in advance\t\nAccounts payable and accrued expenses \t\nAccounts received but not yet allocated\t\nOutstanding premium balance due reinsurers\nDue mortgagors\u2014prepaid taxes\t\nProvision for income taxes\t\n3,914,379\n3,959,473\n1,676.215\n106,987\n9,657.054\n1,887,876\n11,544,930\n1,303,959\n7,692\n194.259\n159,175\n31,306\n45,555\n48.000\nTotal liabilities\nPolicyholders' equity-\u2014\nSurplus in par fund\nInvestment reserve par fund\nInvestment reserve non par fund\nShareholders' equity\u2014\nCapital stock paid in\nSurplus in shareholders' fund\nSurplus in non par fund\t\n13,334,876\n419,595\n24.562\n56,053\n1,079,646\n1,656,110\n918,742\nTotal equity\n1,478,034\nTotal liabilities and equity .\n14,812,910\n S 46\nBRITISH COLUMBIA\nSummary of Operations\n(Including segregated funds)\nPremiums and annuity considerations .\nConsideration for settlement annuities\nNet investment income\t\nNet investment income, segregated funds\nReinsurance experience refunds\nRealized gain (loss) segregated fund assets only\t\nUnrealized gain (loss) segregated fund assets only\nPolicy change fees\t\nTotal income\nClaims incurred under insurance and annuity contracts, other than under settlement\nannuities \t\nNormal increase in actuarial reserve (excluding increase due to changes in valuation\nbases)   \t\nPayment under settlement annuities\t\nIncrease in segregated fund .\nIncrease in aggregate reserve for accident and sickness insurance\nInterest credited to amounts on deposit with the company\t\nInterest on claims 1\t\nTaxes, licences and fees, excluding investment taxes and income tax\nCommissions on insurance premiums and annuity considerations\t\nGeneral expenses (excluding investment expense) \t\nTotal expenses\nProfits before gains or losses on investments, dividends to policyholders, and income\ntax\t\nDividends to policyholders\t\nGroup experience refund\t\nProfit before gains or losses on investments and income tax\t\nNet gains or losses on investments (other than segregated fund)\nProfit before income tax\nIncome tax\t\nNet profit\n7,976,676\n15,000\n924,977\n72,290\n10,031\n39,812\n202,341\n10\n9,241,137\n2,574,593\n1,348,285\n1,812\n542,613\n314,033\n90,759\n2,701\n134,111\n421,235\n1,073,640\n6,503,782\n2,737,355\n306,979\n1,827,248\n603,128\n3,181\n599,947\n48,000\n551,947\nSurplus at beginning of year-\nIn shareholders' fund _.\nSurplus Account\nIn insurance and annuity funds\u2014\nShareholders \t\nPolicyholders   .\t\n1,656,110\n1,421,973\n452,798\nIncreases\nBalance carried from summary of operations\t\nTotal increase\t\n551,947\n551,947\n REPORT OF THE SUPERINTENDENT OF INSURANCE, 1975 S 47\nDecreases\n$\nIncrease in special reserve (security valuation)   15,513\nTotal decrease before dividends to shareholders   15,513\nNet increase before dividends to shareholders       536,434\nSurplus at end of year\u2014\nIn shareholders' fund ;     1,656,110\nIn insurance and annuity funds\u2014\nShareholders       918,742\nPolicyholders       419,595\nReturns for British Columbia\n(See pages 54, 73)\nStatements of Provincial companies are checked and are amended, if necessary, and are\npublished in this Report subject to inspection.\n S 48\nBRITISH COLUMBIA\nWESTCO INSURANCE COMPANY\nHead Office\u2014Vancouver, B.C.\nDate of incorporation, April 1, 1966 (special Act, chapter 71, 1966)\nDate commenced business, October 2, 1969\nOfficers\nAustin Chapman, Chairman of the Board and Treasurer\nM. Milchem, President Jerome B. Simon, Secretary\nG. T. Shaw, Vice-President David Smith, Assistant Secretary\nAustin Chapman\nEdward H. Hamm\nDirectors\nColin Burgess (April 30, 1974)\nMichael J. Milchem\nG. T. Shaw\nAuditors\nCoopers & Lybrand, Chartered Accountants\nAuthorized-.\nSubscribed \u2014\nPaid in cash..\nStatement for the Year Ended December 31, 1975\nCapital Stock\nNumber\n4,950,000\n50,000\n50,000\nCommon\nPar\nValue\n$\n1\n1\nAmount\n$\n4,950,000\n50,000\n50,000\nNumber\n50,000\n50,000\n50,000\nClass B Common\nPar\nValue\nContributions to Surplus\nAmount\n$\n50,000\n50,000\n50,000\nPremium on capital stock\nTotal\n$\n500,000\n100,000\n100,000\n477,496\nUnpaid Calls\nAmount of calls unpaid at end of year\t\nAssets\nInvestments\u2014\nShort-term deposits and money-market securities _.\nBonds   \t\nSummary of investments (subtotal)\nCash \t\nInvestment income due or accrued\t\nOther assets \t\nGross assets \t\nDeduct assets not admitted\nTotal assets admitted \t\nLiabilities\nProvision for unpaid claims and adjustment expenses\nExpenses due and accrued \t\nOther liabilities \t\nTotal liabilities\nNil\n500,000\n300,000\n800,000\n108,195\n1,062\n4,495\n913,752\n2,099\n911,653\n449,580\n16,164\n5,548\n471,292\n REPORT OF THE SUPERINTENDENT OF INSURANCE,  1975\nReserves and Equity\nCapital and surplus\u2014\nCapital stock paid \t\nSurplus\u2014\nContributed \t\nRetained earnings  .\t\nTotal liabilities, capital and surplus \t\nProfit and Loss Account\nNet premiums written\t\nUnearned premiums and additional policy reserve adjustment\t\nNet premiums earned \t\nNet losses incurred, including adjustment expenses\t\nSubtotal \t\nGeneral expenses \t\nUnderwriting loss \t\nInvestment income \t\nOther income and expenditure\t\nNet income before income taxes\t\nIncome taxes recovered \t\nNet income \t\nSurplus Account\nStatement of Retained Earnings, Capital and Surplus\nDecreases\n$ $\nNet profit    \t\nChanges in unadmitted ledger assets         249\nTotals          249\nNet increase     37,412\nEarned surplus at beginning of year (deficit)   174,547\nEarned surplus at end of year (deficit)   137,135\nS 49\n$\n100,000\n477,496\n137,135\n911,653\n61,827\n61,827\n99,488\n37,661\n37,661\nIncreases\n$\n37,661\n37,661\nBalance at beginning of year\nReturned during year \t\nDividend \t\nBalance at the end of the year\nCapital\n$\n500,000\n400,000\n100,000\nContributed\nSurplus\n$\n477,496\n477,496\nReturns for British Columbia\nNil\nStatements of Provincial companies are checked and are amended, if necessary, and are\npublished in this Report subject to inspection.\n S 50\nBRITISH COLUMBIA\n\u25a0SO\n^2\nft o\nZiS\nw\nSQ\nTfO\\inQ\u00bb'tOOOOO\\\nrNOvo\u00a9cNoo\u00a9\u00a9\u00a9\u00a9m\n\u25a0rn\u00a9i>\u00a9\u00a9ino\u00a9oovo\noCo\\ th ^ j^ \u25a0\u00bb ca cn ov\" cn\" co\n\u00ab-in c\ncn-r; \"rf r^oi'd**\nTt  COrt\n\u25a0rs cn\nTr9irlmm>\/i\nrt \u00bb\u00a9 th O o cn\nm Ov eo go i-h vo\noo o oo rt cs r-\no^ ^\\*n vo oo oo\noo oo\" ui vfl\" rn\n\u00a9in Hint*\nm co\nr- o\n\u25a0oo rn\nvo Tt\nOmOotn\nm-NOOvO\\\nvo_ in (3 o tt, vo^\nrf t-i t> vo m\" Tt\"\nr- cn cn ov cn cn\n}\u25a0       in       cn Ov *h\n\u25a0* moio'nh \u00a9\u00a9\u00a9\u00a9r-lfNC-r-\noomvo\u00a9cncno\u00a9oor-rtt\u2014co\nr^ *h r^ o oo^ t- o o o qit^ \u00a9. \u00a9\n\u00a9 o\" srC vi ri vo in. cn vo\" *-f vo' oC m\" oo\"\n(tlVpfOTTO'-'hOVrtiflCOTfinrt\n\u00ab\u25a0 vo cn f* &i*t\\ \u00b0o rl '-ci qo ov Tt m ovo\n\u25a0^\"r^rrTr-pOvrtr-rT-ir^ooiotNoo\n'        T*\"      in\nr* <n\n\u25a0OV f-\n00 OV\nCO  OO\no\"o\"\n\u00b0 3:\nIn O\nm r- \u00a9\nr- <?\\ o\no Cv \u00a9\noo rf oC\nQ\\  rt  OV\nOv^cn r-\nOv\"\u00a9\"\nOv m\nov vo\n\u25a0rn co\nov Ov\no cn\nNmooa\\-n\nf- rt rt in vo rt\nvo m o\\ \u00a9 co vo\ncn O vo oo^ rl vo^\nrt\" oo\"        cn rt\" 00\noo cn       rt m vo\nn vo\ncn  O VO  O  H r-i  V\nrt m r- vo o o\\ *\nov cN \u00a9 in m m e\nvo rf t? vo\" cn\" rf c\nm cn in cn o t- \"\nco^ i-h w^cn cn Tt t\ncn rf cn cN \u00a9      v\nrt cn      o Tt      c\nm ov\ncn i-h\nr- m\nv O Ov \u00a9 rt rl i-i\n1 O rt \u00a9 io Tt rt\n-^ \u00a9^ vo cn i-h os t-n\ncn Tt vo cn cn cn\nr- in co i-h o rl\nVO  00^ VO  rH \u00a9^ Tt^\nth\" rf cn\"     cn cn\n(N i-i      cn cn\n; t- co cn \u00a9 Ov o\n3 rt ov \u00a9 m cN cn\nh m cn \u00a9 oo \"-^co^\n3 m r-^cooC\u00a9 r-T\ni r> \u00a9 m Tt vo Tt\n\u00ab \u00a9^ 00^ \u00a9 CN \u00a9_ (N^\ni cn\" Tt\" vo     r-\" vo\"\n)        CO CN        CO vo\ni-i in\n3\u00a7\u00a72\npL,\u00bb-ivJ\nt\u2014 Ov m CN Ov rH\ncN cN r- vo vo m\n\u00a9^ t> Tt r^ ov vo\nm\" *-7 r~\" tt\" cn\" vo\nw cs cn o Tt Tt Tart VO\ncN i-i cn cN co cn O\nP- i-i r- Tt vo t- in\nTt^ CN^ CN^ p0\\ 00^ rr l>\ncn\" \u00a9 m\"vo\"vo rfrf\nio ,_( rn rt m\ncn in Ov \u00a9 c\u2014 oo\nt> in Tf i-h cd oo\nt-H e~ CS vo t>\nin co vo\" \u00a9 in\n00 Tt VO rt vo\nm\"cn\"\ncn\nCN  Tt  O  00  pOV\nOV  rt  Tf  OO  rt\nOv Tt cn *n Ov\nin in in Tt \u00a9 i-h\ncn i-h cn o m m\n\u00a9 cn n rH \u00a9 vo\nI   \u00ab\nOv in\ncn r-\ncn ov\nrl Tt cn cN co cn \u00a9\nt-~ vp r- Tt vo r- m\ntJ- vo cn ov oq^ r-^ i>\ncn oo\" u-T vo vo rf rf\ncn i-h irt th cn I\nCO \u00a9 OV \u00a9 rt oo\nrt fN  Tt rt \u00a9 co\nT\"ttfl    ri^_.t~\"\u201e\nvo cn vo\" oT in\nm -_> vo ov vo\n\u00b0i. \u00b0\\ <\"\"*\ncn rf\n\u00a9vocNcnovinrHvocnTfirt\n\u2022ovinr-rHtNovcnm\u00a9oi>\n\u25a0u^Ov i^>n v^ft r vo in ov^ in\nmrfovinovooprnOvrtfNm\n\u00a9 TtrHOV Tt\u00a9 CNCO\ni-H rH OV rt cn CN\nin ov\nm\"cN\ni rt \\r\n! vo O\nTt vo    : \u00a9 cn\n! Tf 00 Ov O     ! CO Tf\n: r- cn\ncn oo\nm ov\nm Tt\nrt Ov\noo m        y-< \u00a9\noo              vo \u00a9\n<S CN\n~   -3\nPH      g.5 u\n\u00b0r.aa^\novr~\u00a9rtTa-\u00a9cno3TtcNoooinT3-rt^r^coinoortinco_>-cocor^^\u00a9OvOvvpinrt\n^m^lm^^^mNrtwnrt\u25a0flNMrtHlfl^qs-^cnort^^MH;o^voono^\n\u2022N r- in o^m t^drpivoorixtvoin oo^o^in vo^ovm ciHOoovr-ooooop^vo >> m t^co\n\u00a9\" cn cn\" cn cn\" Tt r^ t-\" r-T \u00a9\" rf m\" co l> m\" cn\" vo in o oo r^ co\" ^ oo\" oo\" o\" oo\" \u00a9\" ov\" rf r--\" rT vo\" t-^\"\nw-r-rHvor-Ovrt ricncNinoo      rjr^inr^ovTtinoovoriTtOTrr--rtcot>cNrHTt\ncnrH ''R.^i. co i\u2014i Tt      i-h      mcNrn      co<\u2014i      ^cn\nr-T    vooo\"\nrH fN\nVO^\u00a9^\nco'm\"\nvo r-i\nCN CN\noo m\nin vo\nTt   O\nVO CN\n\u25a0&9- cn vo\n1 CN Ov\nI in n\n! 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I       .,,1     t   \u2022       1\n*\"\u2022\n^\n\u2022s    9-9\u00ab\nOO rt  VO  OV OV  rt\nTtmr-\u00a9vpfNOvOvvorlTt         1    ioov    :ovrH\u00a9fNmcnvor^corH\nm\np-p\nCfl\nov Tf \u00a9 Ov cn 00\nin Tt, rn in 0_ cn\nOt\u2014OCNCNOOfNvpr^\u00a9CN\n|vfN     |rt-Ovcn\u00a9r-r-vpoo\u00a9vo\nin\nrn\nW\n\u25a0u\n\u25a0a.s'is-1\nozftSa\nH    phOOh\nvp cqm mr^rH\u00a9cNpoopTNrl\ntn     |wo\\o\\wuu\\uui\u00ab^t rn\n0\nrt\nu\n3\n3\ntn Tt\" tn co 00\" cn\"\n00\" m\"      rT cn rf Ov\" vp\" 00\" Tt rT\nft\"   i rl\" o\\ ci rf h rf oo\" vo\" Tt\" \u00a9\"\nO\nO\n\u25a0W- Tt  CO  m Tt rt   CO\ncoco      TtrtVOcnrt\u00a9en\ncn    ir-cnrHcn      cNcomcnTr\nin\nri\nz\n1\n3\nfN Tt CN r-; \u00a9\nvo\"co\"\nrt          rH  \\qo\\  fn^OHH\n(N Ov\"\nfN\n1 r- tN      m           vo tN m m\nt\u00a3\nTf\"\nCO\nTt\n'1\ntN\n\u25a0ri\nff\na\nOv\n^ r1\nTt       (NvocnricnOTt\n:          l m    ;    : vp      \u00a9ftr-m\u00a9\n|\nav\no\nOV\nm Ov\nr-\n\u00a9 tN CO vp 00 rt \u00a9\nvq Tt ov ft o m^ vo\nrt vp oo cn Tf\n00\ncn\nCL\n\u25a0^\n\"1\n0v_oq\nrH^\n1 en    \u25a0\ncq\ncn ft vp Tf Tf\n\u00a9\ncn\n\u25a09\nft\nvo\n\u00a9\"00\"\nm\" vo\" Tt\" cn o co\" \u00a9\"\nj oo    i\ncn\nrt cn vp\"m oo\ntN\nrf\n3\nw-\nt^\nS? \u00b0\ncn cn i-h      Tt vp Tt\n! cn    i\ni-h rt m m ft\nft\ncn\ncn\na\n\u00a9 cq\nm ft ov\nm    i\nCN\n\u00a9 ri Tt\nO\nin\nIS\na\nCJ\nTt\"t>\nOrt\ncn\n3\nBy\nM\n3\nCQ\n3\nHi\n1\nO\nOv\nCO\n00 i-h t\u2014 Ov m \u00a9\nTfrtr- oo\u00a9ovr-vovoooTf\n\u00a9ft       TtrH\u00a9voincnr^      cnri\ntti\nft\nOv Tt \u00a9 Ov CO Ov\nOO\u00a9   rt\u00a9OvVpOOVp^tN\nTf CN\n\u00a9OvenTtr-vOft      r-n\n\u00a9\nTt\nm Tt m m \u00a9 Tt\nvorim ovcnrHOrtcnrntN\ncn\ninavftvoovooo      ovft\nm\nCO\n4)\n&H\nS3\ncn Tt vo 00 r- Tt\nooTt       >nt-^t-mvp\u00a9cnrt\nOv\"\nTtftfNCOrtrtTt          COrt\nCO\nt-^\n\u25a0se- Tt 00 t- Tt \u00a9 t-*\ncn cn cn r- c-\noooo       \u00a9c-Ttcnr-TtOv\ncn\ncncnrtrH      rtt--      t-Tt\nn tN       cn            vo       \u00a9 Tt\nm\noo\n5\n3\nco\ni-h       \\o vp      mm\ncn\nCN\nrf\nrt\"t-\"\nft\"\n3\nr~-\nr^\n\"\"'\nT-^\n>\u2022.     >\u00bb      >>      >\u25a0*      >% >.      >\u00bb      >i>^      >\u25a0%      >,      >,      >> >>      p-. p~,      >>      >, >>      >>\n\u25a0Jrf\nft \u00a7   ft g   ft g\n3 .S   3 .3   3 .5\nLh    1-.            Lh            Ih    Im            Ih            Ih            Ih            Li    Li            ft    It            Ih            rtrt            ft\n2\nCC\nc\nft32ft_2ft_22ft2ft2ft2ft__2_2ft2_Sci<_5ft22ft2D.    !\ng1 g a g* _g g- s 3 g* a 3 3 g* _s g1 3 3 p .3 3 ^ .3 g\" .3 .s p 3 3    |\nH\n\u25a0c\no-o o*o O *C\no^*oo;oo:3;3o:ao'ao;oo'a;oo'0'ao;oo;o;oo*oo    |\nU    tn    M    Ih    M   U\noqooooooopooooooooooooo\ntn\nCQ\n<\nC\noooqoc\nC\u00a3J\nra\no\npa\n>\u00bb\n\u25a0d\nu\n9\n<\nra         i\n\u2022o         !\nsi             !\n<\nDp\nrt\nrt\nrl\n\"o\nrt\n-a\nra\nIh\nrt\nu\nS\nO\nO\ntri\nO\ni\nrt\nc\na\nu\nrt\nO\nO\"           O\nO   0\nc\nU\n6\n<-> \u00ab\n<U       X\nu       n\n3        3\nra      ec\ni t\nifl     **\u2022\nd\n*-\n3\nsi\n\u00b0      o\n\u25a0s   o\no\nd\n8   t\nfi          (L\na       u\nc\n0\nOJ\nu\n3\nrt\nQ        U\n\u00ab   i      u\nS3 !    S3\n3 !    3    ,\ncn     \u2022         to         C\n^^        3       U\nc\n4,\nrt\nT3\nrt\na\nrt\na\n\"8\n\u00a3\n\u00ab\nt\n3\n0\n3\nJ\nflj\n\u2022rt\nrt\n13\nfa\nti          a>          U\nU          O          3\n2 S    1\n3 3       5\n55       En      c\n\u00ab            cfl          rt\n\u00a3     0    3\n13            Py            HH\na  -a   g\nca     S     \u00abo     a     u     ftSft     E       \u2014     Se     9      u\nSo     a    ftH    \u00ab    a    a       a    su    \u2022a    Si    2     g\nI           ; - J  H  11 i ll J. a\nS3.2     ft    SS    8    S    S    <m    a\u00ab     8    ag    3\nTf\nt^\nft.\nIh\na\n\"at\nO\nH\nrt        4-,        al       ttt\nO         U        *r)         .\nXI            U            fl            \u00ab\n\u202233   5\nU  Tit             \u00bb~\nIh    rt             c-\nO   3\nrt     -     n-a-a     -OS'S     h fi    ^\nirt     _L\n\u25a0\"S3\n>\u2022     ,g      o\nO   a.\n.*^ *3         5         cfl   cn        \"g\n4\nc\n5\no\n3\nCO\nE\n\u25a0v\na.\nE\nh\n5\nt3\n3\n'3 '\u00a3\n02\nc\n>\na\na\nr\n3\n REPORT OF THE SUPERINTENDENT OF INSURANCE,  1975\nS 55\nTABLE II\u2014LIFE INSURANCE SUMMARY\n(000's omitted)\nYear\nPremium Income\nDisbursements\nOrdinary\nAnnuities\nInsurance\nOther\nPayments\nTotal\nForce\n1971 -\t\n$\n128,179\n139,031\n145,211\n171,288\n179,359\n$\n47,632\n60,588\n93,412\n93,532\n105,092\n$\n96,716\n98,747\n109,529\n125,923\n117,903\n$\n21,749\n23,621\n32,937\n37,153\n45 ,\u00a706\n$\n118,442\n122,368\n142,467\n163,077\n163,709\n$\n11,959,412\n13,179,412\n14,784,560\n18,148,463\n20,896,607\n1972\t\n1973       \t\n1974    _   ...  .\n1975\t\n S 56\nBRITISH COLUMBIA\ntn\nsi\no\nVi\nZ\nes\np\nH\nw\nI\ni\nH\nHH\nU\nO\nCO\nH\n1\nm\noft\nft O rl Tt cn ft v.\nTf rt rt fN Tt oo c\n5     \u00a9 e\n\u25a01\ncn    ! r-\nov   : oo\nm\nr-\n00\no      t-- T\nOH\nrtTtrtmr-r-r-      ft^-i\n\u25a0O        |   Tf\nC-\nC3\nOrt\nrH\u00a9\u00a9t--vomoo      oovo\nrn vo Tf m ft m \u00a9        OOVO\nrt      j CO\nm\"\nm\"\nH,<n\n\u00bb\nS    S\nm\nm\n\u2022o\noocNoncNeNin      noo\nm\no\\\n\u00ab\u00bb\na o\nrt          rt          rt  \u00a9                  CN  fn\n(N\noT\nhh o\nl-H                          rt (N\ni\nm\n\u25a0m\n2 8\nig.5\n0\nCN\nCN\nCt\n\u00a9ino\u00a9Q\u00a9r-\u00a9      c\nrtrtO\u00a9\u00a9m\u00a9o      c\nvcvo<n\u00a9o\u00a9t-\u00a9      c\n3 \u00a9 O\ng\nfN\n\u2022a\nvOO\nr->\nt~-\n5:2\nft ft\nZfta\nw\n3 \u00a9 m\nm\nin\nCf^\nTtov-_>rtrt\u00a9mri      cNmrH\n,_!\"\nft\"\nvo\"\n31\nrt 3\nvi-     o\\      rt      ooTt          m rl Tt\n\"*_                      ^\"T,               CN         rt\nrH                 in m\"\nrt\n00\nOv\nTH\noC\nIh  k\ncn\ntn\ncn\n33\ne1\u21221\n\u00b0\u00ab8\n-3-\nmt-r-rt\u00abnr-r-m      \u00a9rtesr-.      ft\nfN\nn\nga\nOOP\nOvt^mtNCNt-Ort        ftrtcnvO\n*\noo\nr~\n00\u00a9OOCNftVOOOO          \u00a9Tfftrt\noo\noo\ncn\nM\nft,cn\nrHftOf-OOVOTtCO          06  fN  O Tf\ntfi-vot\u2014 t\u2014 ov cn vo vo m      vor-oo\u00a9\n\u00bb\nft\ns\"\nrl\nvo^m o^cn rnin      w Tt^^\nt>\n\u00ab\nVOr\no d\n\u00a9         rt\"        rt oo\"               rfTtTt\nTt\"\nr-\nrH                       ft rt\ncn\nQ\nw\nCN\nn\nricnmoortcnvoco\n\u25a0m m \u00a9 ov m\n00\nin\n\u25a0a\ncnovcnvooomt^Tt\n\u00a9rtmm-rtOOOCN\nr- ov cn i> r-\ncn\ncn\nrt^ 00 rt OV^ 00\n\u00a9_\nGO\no\n\u25a0W-VOTtTtrHrlVOOOrt\nvotsm      oo cn tn\ncn\"rH \\o cn oo\nft\"\noo\"\nH\nTt cn rn cn cn\ncn\n00\nIh\ni-i                     VO rH\nrH\ncn\nt-^\n\u25a0o\ni>\nco\n\u00ab_> <u\nO \" co\noo m Tt cn      Tt Tt\nm          Ov m\nft\n8 Is\nJ3\nM\no\n\u25a0gill\nCO ft 3 13\n\u00a9 ft ft cn\nc-\nt>     pT\"\nm\ncn\n1\n\u00a9\u201en m m\nWTt\"        rH t>\nVO Tf^\nft^Tt\n\u25a0rn\n\u00a9\u201e\n\u25a0rn\"\nr-\nt\/3\n\u00b0 \"Bh\n< G\nTt\nCN\nft\n*t\nft\ntCOlHlflr4\u00bbN\u00abl\n! oo m o      \u00a9\n____,\nvo\n5\nC \u00ab\n\u25a0nftTtmoocnft'Tt\n\u00a9^ oo^ ov \u00a9 Tt n^ m r*\nj ft ft cn\n\u00a9\n00\n3v\nS rt\"0\n1 \u00a9^00 rt\nTt\nft\n\u00a9\nHI.B\n\u00ab^c^prn\"rfTt\"cNoC\u00a9'-f\nvo n cn      cn cn cn\n! cn\"rH vo\n00\nin\"\niH 3,3\n!  Tf  Cn rH\ntn\ns\nTt\ng\u00a3\nrt                       vo r-t\nrH\nVO\n\u25a09\n*H\n\u25a0\no\\ \u00a9 ft Tt ft t> vo m     o n m m \u00a9 ov\n\u00a9\noo\n\u2022a\nvo t h \\o t-vt ri t-      innoocnfNm\nft\nvo\novcnvovoTtomrt      oOcnmcnrHm\nm\nOv\no\nw-TtoftTtortooTf      vo ft m m t-~ ft\nm\nvo\nH\n\u25a0moo      mrtoiNiH      in vo r-      pfNcn\nt*\nm\na\nrt                          '\"\"i,\"\"!\nCN\n\u00b01\no\nra\na\n&\ntn\nTf\n\u25a0m\n\"3     ft\n1\n1      cfl n\nm\ntn   :\nen      \u00abppi\nC- 00\nr-\ncn\nft qft C\nvo\nCN     I\ncn       00\nCN rt\ns\n\u00a9\"\noo\n00\n\u00a7\nO\nM  3\nen\nri\nr-   !\ni\npjv\n1\n00 \u00a9^\noo vo\"\n\u00a9\n\u00a9\"\nft\n\u2022I'D\n<Q\n+_* o\nD rt\nM\nPh\nw\nC  \" vj\nllll\n00     !\nft\nS| i\nvo e\u00bb   :\nmrt\"   j\noo cn\ncn cn\n00\n1\nft     j\n00\nTt^\nt^\ncn rH\nr*\nft \u00a9\ncn ve\n00\nrl\nCO\nm\nft\nTt\"\ncn .fN\nft\nOV\nO\nCO\nHifl\n1-1\nrt\nr\n2\n1\n\u00ab_>\noo\u00a9ftriftTtricN      .r\nTt cn m    ! co\nfN\nr-\n\u00a9 3*3\n\u00a9Tfrtint-QcoTt      <\ncn \u00abHJ,^!t\\*,tl     a\noo r- cn    ! cn\nCN\noo\nw\n>n rn^cn   1 Ov\nr-\n00^\nw-      \u00a9 oT vo \u00a9 m vo\" Tt\"      >c\n\" oo en'^m\"   i rT\nft*\nM3,-*\n00         (N rH m O r-(         r-\n\\o r*        i cn\nov\nr-\nSMh\nrt               \u00a9 m\ni\n\u00b0v\nVO\ns\ncn\ni\ncn\"\ncn\"\no\na\no\n1\n>\nB\n\u2022a\nrt\n'o\no\nCfl\nt\n1  oi\nrt\nrt\n>>\nu    ;\n'8\nO         (i\n1\nC3\nC\nrt\nU\n\u2022tH\n0\nE\nc\n\u25a0__-\n<\ntH\nU\n\u25a03 3 1 \u2022*<\n'o\no\nGO\nO\nto\nlis?\n*C jg o -m\nC o w o\np_s c\u00a3 \u00ab S\na\nz\nH\"i\u00b05.. pp-cuft\nS \u00ab rt _2  \u2022\u00ab  \"*\nc- *- H w \u00b0^ \u00b0^\nU -pH^   fl   1-t   *\"*\nffl    O   rt   D     Ui     Ih\n , TS rH     o     o\n1\nU\nTJ\nU\n'cS\n'3\no\nm\n<\nrr.\nft\n6\n(il\nC\ncpc\n\u20225\nrt\n33\nrt\n0\n\u25a03\n5\no\nis\ni\ns\n*\no\nIh\nUt\nc\n5\n\u00ab\no\nIh\n0\no\nS\n\u00a7\nH\n0\n\u2022a\n1\na\n\u2022a\nM\no\nc\n\u25a0a\nc\no\nD\n6\n1\nc\nrt\nrt\nc\nrt\n1\n3\ni-I\nc\ncvl\na\n\"C\nu\ns\n\u25a0\u00ab\n\u2022s\nIh\nO\n3\nu\nVi\nn\n49 e\n2\n>\ntt\no\nZ\nPN\nO\nm\na\no\non\n1=1\nrt\na\no\nCJ\nCO\nItH\no\nVi\nq\no\n\u25a0Z)\no\nn\na\no\n0\n<u\nE\nV\ntt\na\n3\n09\nH\ns\ns\no\nU\n\u2022a\nft\nI\n>\n\u25a0u\nB\nQJ\npq\n0)\no\nK\nO\n-t\n\u25a0M\nV\nR\nC\n REPORT OF THE SUPERINTENDENT OF INSURANCE,  1975\nS 57\nTABLE IV\u2014PROPERTY INSURANCE PREMIUMS AND LOSSES FOR  1975\n(Figures shown in nearest dollar.  Direct claims include adjustment expenses.)\nName of Insurer\nDirect Premiums\nWritten\n(1)\nDirect Losses\nIncurred\n(2)\nRatio of\n(2)to(l)\nAetna Casualty Co. of Canada.\nAetna Casualty & Surety Co\t\nAetna Insurance Co \t\nAffiliated FM Insurance Co.\t\nAlbion Insurance Co\t\nAllendale Mutual Insurance Co\t\nAllstate Insurance Co.. \t\nAllstate Insurance Co. of Canada.\nAmerican Bankers Insurance Co. of Florida.\nAmerican Home Assurance Co\t\nAmerican Insurance Co  \t\nAmerican National Fire Insurance Co-\nAmerican Road Insurance Co ~ \t\nArgonaut Insurance Co.\nArkwright-Boston Manufacturer's Mutual Insurance Co-\nBankers & Traders Insurance Co. Ltd.\t\nB.C.A.A. Insurance Co     _\nBritish America Assurance Co\t\nBritish Aviation Insurance Co. Ltd\t\nBritish Economic Insurance Co. Ltd..\nCalvert Fire Insurance Co. _\t\nCanada Accident & Fire Assurance Co..\nCanada Security Assurance Co \t\nCanadian General Insurance Co\t\nCanadian Home Assurance Co\t\nCanadian Indemnity Co-\nCanadian Provincial Insurance Co-\nCanadian Surety Co\t\nCasualty Co. of Canada..\nCentennial Insurance Co\t\nCentury Insurance Co. of Canada.\nChateau Insurance Co\t\nCommerce & Industry Insurance Co\t\nCommerce & Industry Insurance Co. of Canada-\nCommercial Union Assurance Co. Ltd  _.\nCommercial Union Assurance Co. of Canada\t\nCommonwealth Insurance Co\t\nCompagnie D'Assurance du Quebec\t\nConsolidated Fire & Casualty Insurance Co..\nConstitution Insurance Co \t\nContinental Insurance Co.   \t\nCo-operative Fire & Casualty Co._\nCornhill Insurance Co. Ltd \t\nCoronation Insurance Co. Ltd.\t\nCumis Insurance Society, Inc\t\nDominion Insurance Corp-\nDominion of Canada General Insurance Co-\nEagle Star Insurance Co. of Canada\t\nEaton Insurance Co -   \t\nEcclesiastical Insurance Office Ltd\t\nEconomical Mutual Insurance Co\t\nElite Insurance Co    \t\nEmmco Insurance Co  _   \t\nEmployers Mutual Fire Insurance Co  \t\nEmployers Mutual Liability Insurance Co. of Wisconsin...\nEnglish & American Insurance Co. Ltd. .\t\nFederal Fire Insurance Co. of Canada\t\nFederal Insurance Co \t\nFederated Mutual Insurance Co.\t\nFederation Insurance Co. of Canada-\nFidelity Insurance Co. of Canada\t\nFire Insurance Co. of Canada\t\nFireman's Fund Insurance Co\t\nFirst National Insurance Co. of America-\nFlorist's Mutual Insurance Co. \t\nForemost Insurance Co. Grand Rapids, Mich-\nForesters Indemnity Co-\nGeneral Accident Assurance Co. of Canada..\nCarried forward..\n$\n1,272\n671,394\n1,238,219\n2,057,251\n70,236\n1,715,707\n806,714\n118,479\n2,101,054\n3,830,821\n\u2014502\n3,790\n56,245\n309,259\n83,688\n329,453\n883,802\n27,610\n178,425\n\u2014208\n324,207\n6,003\n207,397\n15,415\n4,184,350\n148,240\n5,478\n275,796\n1,940\n2,376,130\n50,548\n187,537\n463,178\n3,107,250\n1,267,266\n9,334,584\n1,575\n8\n181,736\n2,364,808\n2,509,715\n618,454\n-317\n263,151\n1,609,139\n1,560,459\n39\n141,728\n292,412\n\u20142,754\n2,172,828\n124,661\n5,758\n431,535\n58,987\n1,515\n863,510\n994,006\n193,921\n84,138\n127,937\n1,226,451\n191\n10,242\n68,251\n4,490\n2,126,761\nI\n54,473,363\n123\n162,523\n1,463,398\n1,663,961\n193,151\n45,756\n\u2014278\n816,251\n28,372\n1,288,215\n1,447,787\n1,453\n42,000\n58,361\n334,385\n218,026\n481,031\n68,474\n18,199\n39,276\n23,276\n635,692\n76,651\n4,548,000\n71,213\n2,218\n259,289\n\u20142,518\n2,004,028\n3,494\n272,432\n258,677\n1,781,908\n1,012,649\n6,104,967\n277\n95\n63,834\n1,390,140\n2,612,973\n290,544\n\u201430\n302,403\n1,392,957\n1,046,674\n4,432\n97,241\n20,959\n\u201443,143\n2,078,807\n\u25a046,531\n5,121\n60,767\n15,684\n26,505\n1,730,363\n503,312\n188,712\n18,756\n541,807\n607,928\n2,204\n55\n17,933\n96\n1,978,715\nPer Cent\n9\n24\n118\n80\n275\n2\n101\n23\n61\n37\n38\n74\n18\n399\n66\n54\n38\n12\n387\n306\n497\n108\n48\n40\n94\n84\n6\n145\n55\n57\n79\n65\n17\n1,187\n35\n58\n104\n46\n114\n86\n67\n11,364\n68\n7\n95\n37\n88\n14\n26\n1,749\n200\n50\n97\n22\n423\n49\n1,153\n26\n2\n93\n40,425,092\n S 58                                                    BRITISH COLUMBIA\nTABLE IV\u2014PROPERTY INSURANCE PREMIUMS AND LOSSES\nFOR 1975\u2014Continued\n(Figures shown in nearest dollar.  Direct claims include adjustment expenses.)\nName of Insurer\nDirect Premiums\nWritten\n(1)\nDirect Losses\nIncurred\n(2)\nRatio of\n(2) to(l)\n$\n54,473,363\n925,274\n379,216\n1,403,772\n344,531\n357\n1,646,436\n173,261\n418,522\n13,709\n198\n7,215,496\n1,715,412\n83,395\n1,483,173\n121,339\n94,467\n1,563,386\n1,740,761\n37,241\n50,671\n5,107\n62,834\n132,620\n216,538\n164,792\n34,960\n1,347,649\n1,026,421\n147,514\n51,486\n987,987\n4,361\n$\n40,425,092\n333,571\n180,146\n1,010,231\n96,503\nPer Cent\n36\n47\n71\n28\n1,511,520\n90,933\n622,786\n23,611\n91\n52\n148\n172\n3,495,716\n1,085,583\n16,373\n1,651,182\n51,385\n101,851\n904,226\n910,360\n4,310\n19,889\n\u20144,573\n\u201474\n94,779\n183,511\n99,295\n30,817\n173,254\n908,506\n84,744\n147,875\n952,755\n\u2014251\n2,307\n104,904\n368,085\n1,784,687\n96\n\u2014160\n349\n6,433,541\n130,127\n103,454\n412,376\n10,808\n209,889\n232,018\n14,753\n3,652\n370\n234,113\n110\n413\n908,840\n174,946\n151,354\n24,419\n187,692\n1,286,616\n452,896\n376,203\n673\n48\n63\n19\n111\n42\n107\n57\n52\n11\n39\n71\n84\n60\n88\n12\n88\n57\n287\n96\n232,297\n41,186\n1,597,929\n846\n1,703\n11,371,164\n310,745\n217,950\n818,870\n3,369\n856,833\n101,319\n46,320\n122,993\n1,544\n151,047\n45\nNational Employers Mutual General Insurance Assoc. Ltd\u2014\t\n893\n111\n11\nNon-Marine Underwriters, member of Lloyd's, London, Eng\t\n56\n41\nNorth British & Mercantile Insurance Co. Ltd  \t\n47\n50\n320\n24\n228\n31\nOrion Insurance Co. Ltd.     \t\n2\n23\n154\n4,805\n1,435,259\n178,422\n27,292\n591,594\n121,345\n448,328\n2,193,106\n79,058\n300,219\n32,466\n6,000\n535,676\n8\nPhoenix Assurance Co. of Canada. '   .\n63\n98\n25\n20\nProvincial Insurance Co. Ltd.. _ _\t\nPrudential Assurance Co. Ltd\t\n41\n58\n572\n125\n2\n337,004\n62\n99,895,934\n69,152,441\n REPORT OF THE SUPERINTENDENT OF INSURANCE,  1975\nS 59\nTABLE IV\u2014PROPERTY INSURANCE PREMIUMS AND LOSSES\nFOR 1975\u2014Continued\n(Figures shown in nearest dollar.  Direct claims ipclude adjustment expenses.)\nName of Insurer\nDirect Premiums\nWritten\n(1)\nDirect Losses\nIncurred\n(2)\nRatio of\n(2) to (1)\n$\n$\nPer Cent\n99,895,934\n69,152,441\n\u2014\n6,939,437\n3,795,958\n54\n4.830,337\n2,464,284\n51\n1,282,921\n1,425,292\n111\n464,991\n214,563\n46\n15,753\n13,234\n84\n220,632\n77,899\n35\n79,200\n27,209\n34\n1,053,661\n879,038\n83\n658,628\n313,376\n47\n726\n\u20141,288\n\t\n\u2014300\n9,365\n1,083,022\n656,726\n60\n136,258\n46,672\n34\n319,841\n297,628\n93\n196,051\n45,710\n\u20141\n34,978\n23\n140,972\n24\n164,084\n\u2014123,755\n3,163,005\n1,446,161\n45\n1,503,959\n1,045,988\n69\n1,286,495\n1,914,998\n148\n638,100\n1,115,628\n174\n86,738\n289,617\n333\n422,634\n316,771\n74\n894,907\n436,043\n48\n2,540\n\u2014184\n\t\n57,194\n40,167\n70\n484,033\n1,063,123\n219\n6,304,710\n6,041,981\n95\n11,353\n610,079\n5,373\n1,564,855\n668,784\n42\n1,060,883\n712,966\n67\n33,217\n2,822,466\n2,082,067\n73\n137,819,237\n97,113,518\n71\n114,495,350\n96,511,555\n84\nBrought forward-\nRoyal Insurance Co. Ltd\t\nSafeco Insurance Co. of America\t\nSt. Paul Fire & Marine Insurance Co.\nSaskatchewan Mutual Insurance Co\u201e\nScottish Union & National Insurance Co-\nSecurity Mutual Casualty Co\t\nSentry Insurance, A Mutual Co._\nSimco & Erie General Insurance Co\t\nSovereign General Insurance Co\t\nStanstead & Sherbrooke Insurance Co..\nState Farm Fire & Casualty Co\t\nSun Alliance Insurance Co \t\nSun Insurance Office Ltd\t\nSwitzerland General Insurance Co. Ltd\u2014\nTokio Marine & Fire Insurance Co. Ltd-\nToronto General Insurance Co\t\nTraders General Insurance Co\t\nTravelers Indemnity Co-\nTravelers Indemnity Co. of Canada-\nTravelers Life Insurance Co. of Canada-\nUnigard Mutual Insurance Co\t\nUnionamerica Insurance Co\t\nUnited Canada Insurance Co \t\nUnited States Fidelity & Guarantee Co-\nUnited States Fire Insurance Co \t\nUnity Fire & General Insurance Co\t\nUtica Mutual Insurance Co\t\nVictoria Insurance Co. of Canada..\nWawanesa Mutual Insurance Co\u2014.\nWellington Fire Insurance Co\t\nWestern Assurance Co\t\nWestern Union Insurance Co \t\nYasuda Fire & Marine Insurance Co., Ltd-\nZurich Insurance Co   \t\nTotals for 1975-\nTotals for 1974..\n S 60\nBRITISH COLUMBIA\nTABLE V\u2014PROPERTY INSURANCE SUMMARY\n(000's omitted)\nYear\nNet\nPremiums\nEarned\nNet\nLosses\nIncurred\nRatio Losses\nIncurred to\nPremiums\nEarned\n1971\n$\n78,923\n91,305\n107,129\n114,495\n137,819\n$\n52,348\n59,430\n65,936\n96,512\n97,114\nPer Cent\n67\n1977\n65\nt<m\n61\n1974\n84\n1975                                                               \t\n71\n REPORT OF THE SUPERINTENDENT OF INSURANCE,  1975 S 61\nTABLE VI\u2014RECIPROCAL EXCHANGE PREMIUMS  AND LOSSES FOR 1975\nName of Exchange\nNet\nPremiums\nWritten\n(1)\nNet\nPremiums\nEarned\n(2)\nNet\nLosses\nIncurred\n(3)\nNet\nRatio of\n(3) to (2)\nCanners Exchange Subscribers at Warner Inter-Insurance\nBureau   \t\n$\n20,842\nNil\n42,885\n180,488\n$\n37,267\nNil\n42,885\n180,488\n$\n2,244\nNU\n46,456\n383,275\nPer Cent\n6\nTimber Insurance Exchange- \u201e\t\n108\n212\nTotals for 1975 \t\n244,215    |       260,640    |       431,975    |        326\nTotals for 1974\n879,052\n1,063,990\n617,976                 58\n S 62\nBRITISH COLUMBIA\nTABLE VII\u2014AUTOMOBILE INSURANCE PREMIUMS AND CLAIMS FOR  1975\n(Figures shown in nearest dollar.   Direct claims include adjustment expense.)\nCarried forward\n663.379\nName of Insurer\nDirect Premiums\n(1)\nDirect Claims\n(2)\nRatio of\n(2) to (1)\n$\n4,107\n1,793\n27,578\n54\n267\n10,254\n52,065\n9,123\n1,630\n$\n\u20145,042\n4,948\nPer Cent\n275\n1\n264\n\u2014812,978\n204\n16,084\n1\n5,351\n70,767\n167,424\n1,113,835\n10,646\n1\n98\n176\n68,339\n103\nBankers & Traders Insurance Co. Ltd.\t\n\u20143,319\n\u2014568\n36\n29\nCanada Accident & Fire Assurance Co \t\n16,834\n\u201454\n\u2014107,062\n159,241\n623,770\n412\n161,473\n34,048\n151,516\n28.336\n23,675\n103,391\n58,048\n\u2014158\n168\n32,184\n1,258\n\u20143,234\n1,531\n92,385\n23,872\n1,845\n169\n127,143\n\u2014789\n\u2014355\n4,965\n187\n\u20144,885\n13,310\n-40\n94,786\nCanadian Indemnity Co \u2014 - _\t\n1,938\n32\n9,896\nChrysler Insurance Co   _\t\n30\n99\n5,603\n711\n6,941\n1,166,635\n78,404\n507,234\n153,858\n1,954\n\u201425,794\n-7,975\n\u20141,237\n\u201458,726\n\u2014 18,523\n75,441\n\u201426\n\u201423,011\n\u201475,854\n\u201428,684\n11,938\n13,477\n1,678\n\u201468,824\n\u2014196,186\n2\n468,247\n\u201440,024\n22,560\n2,897\n\u201437,234\n427,186\n61,176\n\u2014964\n481,935\n76,106\n\u201446,900\n\u201416,350\n\u201412,637\n-2,125\n\u201439,197\n463,572\n82,755\n5\n10,216\n\u2014207\n219\n262\n2,993\n8,654\n10,435\n\u201473\n22,368\n\u20145,818\n46\n17,828\n-13,221\n558\n359\n17\n\u20142,076\n690\n\u20141,316\n14,142\n\u20143\n108,661\n32,240\n34,447\n129\nForemost Insurance Co., Grand Rapids, Mich  \u2014__\t\n4\n2,626\n4 043\nGerling Global General Insurance Co \t\n806\n8,866\n3 407\nHalifax Insurance Co. ___   .. \t\n245\n762\n\u2014288\n4.958\nImperial Guarantee & Accident Insurance Co. of Canada\t\n\t\n1,669\n|        5,171,521\n REPORT OF THE SUPERINTENDENT OF INSURANCE,  1975\nS 63\nTABLE VII\u2014AUTOMOBILE INSURANCE PREMIUMS AND CLAIMS\nFOR  1975\u2014Continued\n(Figures shown in nearest dollar.  Direct claims include adjustment expense.)\nName of Insurer\nDirect Premiums\n(1)\nDirect Claims\n(2)\nRatio of\n(2) to (1)\n$\n663,379\n12,685\n\u20142,609\n$\n5,171,521\n\u201422,769\n\u201428,482\n\u2014154,559\n\u201412,054\n\u20143,673\n\u201421,039\n9,818\n\u20144,907\n\u201414,657\n118,171\n\u20145,460\n26,332\n56\n4,216\n604,805\n\u20148,146\n96,240\n12\n-9,955\n\u20144\n268\n74,678\n139,716\n\u2014683\n9\n5,313\n\u201418,310\n\u201421,510\n\u20146,963\n67,306\n\u2014375,788\n-55,509\n\u2014118,971\n62,881\n10.455\n9,574\n319\n\u201443,578\n241,703\n39,163\n141.684\n44,927\n8,768\n828\n7,270\n-514\n40,2^6\n459,721\n328,174\n315,203\n12,841\n295\n-773\n\u20144\n\u2014 16,445\n234.619\n\u201450,036\n108,924\n85.262\n218,396\nPer Cent\nLiverpool & London & Globe Insurance Co. Ltd.\t\n\u2014\n9,424\n15,061\n\u2014196\n127,780\n3,592\n9,627\n154\n\u2014196\n20\n104\nMotors Insurance Corp  \t\nNational Employers Mutual General Insurance Assoc. Ltd\t\n92\n733\nNiagara Fire Insurance Co    -\t\nNon-Marine Underwriters, member of Lloyd's London, Eng......\nNorth American Co. for Property and Casualty Insurance\t\n6,282\n481,200\n156\n7,894\n\u201430\n726\n3,315\n19,244\nProvincial Insurance Co. Ltd. _ \t\n458\n5,260\n\u2014102\n699\n420\n1,160\nRoyal General Insurance Co. of Canada.  \t\n\u20146,744\n33\n4,421\n\u201464\n73\n-13\n653\n22\n281\n\u201432\n25,150\n6,248\n19,131\n6,828\n\u20141,560\n40\n483,257\n2,454\n32\n\u201434\n21\n14,321\n1,098,650\n13,937\nSun Alliance Insurance Co  , - ..-..,\t\nSwitzerland General Insurance Co. Ltd. \t\nTokio Marine & Fire Insurance Co. Ltd..     __\n32\nTraders General Insurance Co  \t\n116\n210\n6,732\n65\n523\n921\nWawanesa Mutual Insurance Co.   , \u201e\n-193\n-14,456\n6,491\nWellington Fire Insurance Co.. _  \t\n3,364\nTotals for 1975\t\n1,389 556\n7.694.722\nTotals for 1974\t\n3,702,491\n45,759,665\n S 64 BRITISH COLUMBIA\nTABLE VIII\u2014MISCELLANEOUS INSURANCE PREMIUMS AND LOSSES FOR 1975\nName of Insurer\nFidelity\nNet\nPremiums\nWritten\nNet\nLosses\nIncurred\nSurety\nNet\nPremiums\nWritten\nNet\nLosses\nIncurred\nAetna Casualty Co. of Canada\nAetna Casualty & Surety Co.\t\nAetna Insurance Co \t\nAffiliated FM Insurance Co...\nAmerican Insurance Co _\nArgonaut Insurance Co..\nBritish American Assurance Co\t\nCanada Accident & Fire Assurance Co-\nCanadian General Insurance Co.\t\nCanadian Indemnity Co \t\nCanadian Surety Co-\nCasualty Co. of Canada \t\nCentury Insurance Co. of Canada...\nChateau Insurance Co\t\nCommercial Union Assurance Co. Ltd \u2014\nCommercial Union Assurance Co. of Canada .\nCompagnie D'Assurance du Quebec\t\nContinental Insurance Co\t\nCo-operative Fire & Casualty Co..\nCumis Insurance Society, Inc\t\nDominion Insurance Corp\u2014\nDominion of Canada General Insurance Co-\nEaton Insurance Co\t\nEconomical Mutual Insurance Co..\nElite Insurance Co\t\nEmployers Mutual Liability Insurance Co. of Wisconsin.\nFederal Insurance Co\t\nFederated Mutual Insurance Co\t\nFidelity Insurance Co. of Canada_\nFire Insurance Co. of Canada\t\nFireman's Fund Insurance Co\t\nFirst National Insurance Co. of America\t\nGeneral Accident Assurance Co. of Canada-\nGeneral Insurance Co. of America \t\nGeneral Security Insurance Co. of Canada\u2014\nGerling Global General Insurance Co\t\nGlobe Indemnity Co. of Canada\t\nGore Mutual Insurance Co.__ \t\nGrain Insurance & Guarantee Co \t\nGreat American Insurance Co-\nGuarantee Co. of North America\u2014\nGuardian Insurance Co. of Canada...\nHalifax Insurance Co \t\nHartford Fire Insurance Co-\nHome Insurance Co._\nHudson Bay Insurance Co\t\nImperial Guarantee & Accident Insurance of Canada-\nInsurance Co. of North America  \t\nLiberty Mutual Fire Insurance Co  \t\nLiberty Mutual Insurance Co-\nLiverpool & London & Globe Insurance Co. Ltd-\nLondon & Lancashire Insurance Co. Ltd \t\nLondon-Canada Insurance Co  \t\nLumbermen's Mutual Casualty Co\t\nMarkel Insurance Co. of Canada  _\t\nMaryland Casualty Co..\nMortgage Insurance Co. of Canada-\nNon-Marine Underwriters, member of Lloyd's-\nNorth British & Mercantile Insurance Co. Ltd..\nNorthern Assurance Co. Ltd  \t\nNorwich Union Fire Insurance Society Ltd-\nPearl Assurance Co  \t\nPhoenix Assurance Co. of Canada-\nPrudential Assurance Co. Ltd\t\nReliance Insurance Co \t\nRoyal General Insurance Co. of Canada..\nRoyal Insurance Co. Ltd \t\n$\n52,379\n1,317\n1,763\n36,789\n5,714\n5,317\n4,943\n243,822\n1,334\n\u2014376\n4,178\n46,782\n12,302\n108,444\n11,231\n180,952\n16,225\n7,670\n-53\n6,211\n4,940\n125\n28,946\n12,897\n9,355\n304\n1,894\n524\n790\n147\n2,350 |\n31,994\n48,000\n2,528\n5,185\n646\n57,277\n48,290\n\u2014490\n\u2014622\n740\n1,178\n428\n1,659\n22,823\n4,483\n17,567\n120\n91\n12,218\n7,997\n2,483\n4,182\n72,514\n-19,660\n\u201474\n2,628\n-34\n\u201418,687\n133,567\n8,797\n166\n\u20141,131\n\u20142,184\n-8,341\n18\n255,207\n\u201410,494\n77,972\n1,124\n934\n59\n3,021\n3,246\n933\n21,366\n\u2014165\n1,436\n1,897\n176\n7,404\n10,488\n121,529\n-259\n72\n\u2014516\n\u201414\n9,172\n1,331\n6,324\n\u20141,400\n\u2014644\n106,454\n8,246\n162,062\n75\n4,235\n52,304\n7,985\n28,013\n91,614\n785,284\n186,511\n835\n60,000\n9,424\n1,525\n20\n18,126\n\u2014200\n41,339\n10,282\n257,300\n23,594\n6,262\n1,347,489\n\u201488\n2,725\n40,541\n2,083\n19,672\n200\n1,978\n24,591\n379\n1,241\n69,549\n198,994\n4,258\n1,984\n2,480\n665\n2,419\n9,107\n639\n1,000\n\u2014325\n\u20141\n55\n104,038\n2,800\n6,086\n19,478\n155\n25\n2,981\n5,970\n2,846\n20,361\n\u201421\n711\n58,000\n810\n750\n15,311\n-113,174\n-830,907\n82\n-12,140\n805\n\"587\n4,074\n1,083\n-222\n453\n1,611\n44,619\n33,057\n38\n\u2014941\n\u20141,203\n1,154\n833\n\u201460,003\n47,718\n6,000\n5\n-22\n500\n6,474\n-572\n205\n1,735\n REPORT OF THE SUPERINTENDENT OF INSURANCE,  1975\nS 65\nTABLE VIII\u2014MISCELLANEOUS INSURANCE PREMIUMS AND LOSSES\nFOR 1975\u2014Continued\nFidelity\nSurety\nName of Insurer\nNet\nPremiums\nWritten\nNet\nLosses\nIncurred\nNet\nPremiums\nWritten\nNet\nLosses\nIncurred\n$\n826\n1,395\n2,103\n$\n$\n133,216\n70,433\n2,694\n7,643\n3,888\n$\n\u20142,145\n2,191\n81\n\u20141,210\n\t\n\u201412,375\n\u201425\n363\n8,157\n17,618\n8,371\n3,689\n2,128\n1,311\n16,156\n1,441\n8,252\n78,383\n174,024\n82,271\n854\nUnited States Fidelity & Guarantee Co ,   \t\n15,190\n\u20142\n9,221\n193,162\n6,283\n432,172\n170\n855\n4,355\n\u201414,489\n3,278\n483\n\u20143,950\n206\n34\n10,402\nTotals for 1975  \t\n1,233,060\n712,418\n4,845,625\n\u2014791,146\nTotals for 1974  _\t\n1,055,632\n393,799\n3,425,957\n1,470,423\n S 66\nBRITISH COLUMBIA\nTABLE VIII-\n-MISCELLANEOUS INSURANCE PREMIUMS AND LOSSES\nFOR  1975\u2014Continued\nName of Insurer\nLiability\nNet\nPremiums\nWritten\nNet\nLosses\nIncurred\nBoiler and Machinery\nNet\nPremiums\nWritten\nNet\nLosses\nIncurred\nAetna Casualty & Surety Co-\nAetna Insurance Co\t\nAffiliated FM Insurance Co-\nAlbion Insurance Co \t\nAllendale Mutual Insurance Co\t\nAllstate Insurance Co. of Canada-\nAmerican Home Assurance Co.\t\nAmerican Insurance Co \t\nAmerican Mutual Liability Insurance Co._\nArgonaut Insurance Co..\nArkwright-Boston Manufacturers Mutual Insurance Co..\nB ankers & Traders' Insurance Co \t\nBoiler Inspection Insurance Co. of Canada-\nBritish America Assurance Co \t\nBritish Aviation Insurance Co. Ltd\t\nCanada Accident & Fire Assurance Co\t\nCanada Security Assurance Co\t\nCanadian General Insurance Co\t\nCanadian Home Assurance Co\t\nCanadian Indemnity Co.\nCanadian Provincial Insurance Co-\nCanadian Surety Co.\t\nCasualty Co. of Canada..\nCentennial Insurance Co. \t\nCentury Insurance Co. of Canada-\nChateau Insurance Co __ \t\nCommerce & Industry Insurance Co.\t\nCommerce & Industry Insurance Co. of Canada-\nCommercial Union Assurance Co. Ltd-\nCommercial Union Assurance Co. of Canada-\nCommonwealth Insurance Co\t\nCompagnie D'Assurance du Quebec-\nConstitution Insurance Company of Canada-\nContinental Insurance \t\nCo-operative Fire & Casualty Co..\nCornhill Insurance Co. Ltd\t\nCoronation Insurance Co. Ltd\t\nCumis Insurance Society Ltd\t\nDominion Insurance Corp\u2014\nDominion of Canada General Insurance Co-\nEagle Star Insurance Co. of Canada\t\nEcclesiastical Insurance Office Ltd\t\nEconomical Mutual Insurance Co\t\nElite Insurance Co\t\nEmployers' Mutual Liability Insurance Co. of Wisconsin-\nEmployers Re-Insurance Co-\nEnglish & American Insurance Co. Ltd-\nFederal Fire Insurance Co. of Canada\u2014\nFederal Insurance Co\t\nFederated Mutual Insurance Co \u2014\nFederation Insurance Co. of Canada .\nFidelity Insurance Co. of Canada\t\nFire Insurance Co. of Canada\t\nFireman's Fund Insurance Co \t\nFirst National Insurance Co. of America-\nForemost Insurance Co. of Grand Rapids, Mich-\nGeneral Accident Assurance Co. of Canada\t\nGeneral Insurance Co. of America\t\nGeneral Security Insurance Co. of Canada..\nGerling Global General Insurance Co\t\nGlobe Indemnity Co. of Canada\t\nGore Mutual Insurance Co \t\nGrain Insurance & Guarantee Co\t\nGreat American Insurance Co\t\nGreat Eastern Insurance Co \t\nGuarantee Co. of North America  _\n$\n45,379\n146,368\n114,754\n4,531\n6,616\n237,152\n172,218\n309\n88,241\n2,980\n121,142\n71,842\n36,160\n186\n21,572\n1,523\n3,283,035\n12,699\n608\n24,855\n2,450\n50,433\n2,125\n9,768\n18,368\n647,051\n242,853\n625\n102\n5,258\n743,579\n154,718\n47,429\n5,891\n34,543\n242,648\n153,600\n20,178\n1,231\n99,781\n30,417\n115,240\n76\n19,418\n175,229\n11,818\n4,171\n5,202\n367,855\n39,069\n267,709\n173,696\n79,395\n170,107\n18,727\n173,324\n17,841\n26,168\n666\n10\n$\n35,396\n9,140\n149,695\n81\n23,332\n\u201485,347\n21,491\n56,500\n11,820\n73,125\n54,506\n\u20144,041\n18,042\n6,939\n811,928\n820\n\u201465,865\n71,855\n179\n\u201410,449\n3,358\n225,765\n142,940\n422,216\n158,408\n21,752\n4,983\n156,884\n189,819\n10,118\n1,568\n10,852\n18,863\n11,924\n30,207\n622\n434\n354,966\n357,032\n1,153\n1,555\n\u2014999\n\u201476,511\n315\n14,720\n255,736\n87,636\n\u201417,175\n12,472\n61,339\n130,608\n4,661\n255,422\n\u2014642\n90\n293\n1,025,469\n195,821\n1,201,380\n1,923\n3,108\n243\n3,213\n7,271\n123,116\n132,125\n141,917\n15,559\n279\n71\n2,181\n1,350\n109,614\n295,524\n863\n1,089\n716\n-156,463\n103,592\n-535,240\n3,889\n11,216\n2,803\n165,778\n2,848\n226,327\n19,114\n446,762\n REPORT OF THE SUPERINTENDENT OF INSURANCE,  1975\nS 67\nTABLE VIII\u2014MISCELLANEOUS INSURANCE PREMIUMS AND LOSSES\nFOR  1975\u2014Continued\nLiability\nBoiler and Machinery\nName of Insurer\nNet\nPremiums\nWritten\nNet\nLosses\nIncurred\nNet\nPremiums\nWritten\nNet\nLosses\nIncurred\n$\n1,353,968\n222,798\n351\n524,006\n62,441\n5,391\n\u2014102\n329,711\n11,968\n\u2014990\n236,421\n8,800\n17,072\n6,085\n1,909\n61,380\n1,945\n87,714\n3,131\n2,120\n11,094\n$\n758,506\n167,265\n$\n16,714\n1,791\n$\n236,352\n\u201472,085\n\u2014892\n1,860\n1,262\n33,158\n32\n900\n1,224,573\n\u2014164,878\n\u20143,442\n273\n241\n20,525\n\u201418,481\n98,110\n1,000\n162\n2,239\n3,000\n10,989\n10,091\n9,794\n612\nNational Employers' Mutual General Insurance Assoc. Ltd\t\n83,558\n2,758\n150,504\n4,497\n125,209\n1,676\n233,954\n2,577\n2,090\n1,827\n479,330\n102\n13,006\n9,639\n429\n709,038\n59,304\n197,467\n57,075\n18,539\n5,419\n3\n14,732\n133,298\nNorth British & Mercantile Insurance Co. Ltd\t\n1,035\n\u20145\n\u201426\n1,193\n423,234\n173,676\n46,117\n299,777\n1,038\n28,949\n131,544\n1,105,785\n667,686\n219,851\n27,056\n28\n1,900\n7,754\n272\n1,006,659\n8,278\n\u20145\n\u201421\n74,936\n20,075\n20,936\n2,185\n9,644\n435,907\n\u20141,090\n\u20145,058\n241,198\n893,681\n331,731\n123,363\n24,612\n\u2014117\n6,111\n210\n5,529\n111,003\n8,027\n\u2014637\n2,303\n4,214\n145\n941,435\n8,913\n244\n644\n28,884\n\u201427,165\n13,658\n\t\n\t\n846\n\u2014774\n25,718\n\u201410,885\n\u2014140\n\u20144,887\n45,970\n\u2014113\n30,800\n\u20146,000\n252\n94,924\n338,095\n50\n9,325\nTravelers Indemnity Co. of Canada\t\n\u20143,360\n192,949\n\u201455,380\n17,629\n195,115\n525,379\n231\n\t\n66,303\n246,655\n S 68\nBRITISH COLUMBIA\nTABLE VIII-\n-MISCELLANEOUS INSURANCE PREMIUMS AND LOSSES\nFOR 1975\u2014Continued\nLiability\nBoiler and Machinery\nName of Insurer\nNet\nPremiums\nWritten\nNet\nLosses\nIncurred\nNet\nPremiums\nWritten\nNet\nLosses\nIncurred\n$\n453\n23,029\n404,046\n1,590\n267,805\n73,253\n255,895\n$\n316\n10,929\n192,735\n\u201432,567\n107,826\n26,333\n134,578\n$\n$\n14,501\n4,415\n2,714\nTotals f\"r 1975\n18,719,092\n11,234,423\n3,931,000\n489,197\nTotals for 1974 _\t\n15,225,139\n8,402,903\n4,211,250\n6,251,768\n REPORT OF THE SUPERINTENDENT OF INSURANCE, 1975\nS 69\nTABLE VIII\u2014MISCELLANEOUS INSURANCE PREMIUMS AND LOSSES\nFOR 1975\u2014Continued\nAircraft\nMarine\nName of Insurer\nNet\nPremiums\nWritten\nNet\nLosses\nIncurred\nNet\nPremiums\nWritten\nNet\nLosses\nIncurred\n$\n$\n$\n$\n1,208\n830\n451,346\n74,611\n217,880\n10\n7,842\n499,969\n208,859\n680,242\n122,683\n\u2014164\n2,115,671\n3,269\n93,398\n\u20142,623\n1,694,787\n\u20149,689\n\u20144,050\n302\n\u201466\n1,069,784\n50,008\n43,047\n1,479,637\n828,283\n\u201469\n10,385\n\u201476\n12,495\n130,147\n11,155\n3,486\n1,355,976\n258,667\n231,623\n816\n2,108\n31,855\n12,747\n\u2014296\n1,161,249\n194,693\n146,168\n2,757\n357,850\n1,260\n73,686\n25,852\n\u20142,680\n1,470\n\u201414,550\n1,129,563\n212,451\n\u201461\nCoronation Insurance Co. Ltd. - -\t\n\t\n438\n334,257\n7,041\n76,134\n\u20142,445\nEnglish & American Insurance Co. Ltd. -\t\n\u20143,386\n17,778\n170,379\n2,408\n8,251\n854,174\n1,008,531\n592,982\n1,469\n93,858\n\t\n38,267\n\u201423,813\n\u201439,326\n2,804\n286,154\n11,092\n226,470\n453\n1,601\n1,026,461\n62,810\n14,749\n\u20145,457\n230,440\n\u201410,493\n222\n140,379\n65,492\n\t\n56,373\n87,885\n542,186\n16\n25\n990\n2,454\n189,540\n2,460\n\u2014107,110\n550\n\u2014529\n139\n405,873\n2,858,000\n585,810\n204,876\n6,638\n\u2014493\n338\n2,703,703\n92,650\n7,539\n106,101\n3\n2,688,010\n155,452\n57,046\n2,012,630\n2,277,466\n749,107\n395,741\n293,937\n318,021\n4,189\n\t\n66,885\n67,799\n1,101\n20\n357\n205,151\n512,178\n109,085\n114,113\n149,531\n127,054\n92,650\n40,404\n\u2014618\n\u2014418\n\u2014500\n39,199\n17,209\n3,059,739\n372\n6,016\n967,094\n99,172\n165,530\n278,352\n67,860\n\t\n145,762\n\t\n68,584\n S 70\nBRITISH COLUMBIA\nTABLE VIII-\n-MISCELLANEOUS INSURANCE PREMIUMS AND LOSSES\nFOR 1975\u2014Continued\nAircraft\nMarine\nName of Insurer\nNet\nPremiums\nWritten\nNet\nLosses\nIncurred\nNet\nPremiums\nWritten\nNet\nLosses\nIncurred\n$\n\u201413,856\n952,072\n$\n13,157\n\u201445,426\n$\n$\n81,949\n\u20142,810\n65,536\n30,486\n84,176\n-76\n22,096\n151,319\n44,065\n283,533\n4,301\n\t\n104,247\n6,024\n229,782\n72,485\n\u2014120,923\n7,081\nTotals for 1975  _ -                \t\n13,515,749\n8,778,920\n12,640,138\n10,299,683\n REPORT OF THE SUPERINTENDENT OF INSURANCE,  1975\nS 71\nTABLE VIII\u2014MISCELLANEOUS INSURANCE PREMIUMS AND LOSSES\nFOR 1975\u2014Continued\nCredit\nTitle and Mortgage\nName of Insurer\nNet\nPremiums\nWritten\nNet\nLosses\nIncurred\nNet\nPremiums\nWritten\nNet\nLosses\nIncurred\n$\n$\n27\n2,778\n$\n$\n858\n391,653\n44,292\n38,698\n32,984\n69,361\n2,543,933\n16,997\n41,617\n644,176\n33,213\nTotal for 1975\t\n146,637\n44,422\n3,580,620\n88,908\nTotal for 1974 \t\n113,213\n50,398\n3,578,533\n5,400\n S 72\nBRITISH COLUMBIA\nTABLE VIII\u2014MISCELLANEOUS INSURANCE PREMIUMS AND LOSSES\nFOR  1975\u2014Continued\nName of Insurer\nPersonal Accident and Sickness\nNet\nPremiums\nWritten\nNet\nLosses\nIncurred\nAbbey Life Insurance Co. of Canada-\nAetna Life Insurance Co\t\nAlliance Mutual Life Insurance Co..\nAllstate Insurance Co _..\nAllstate Insurance Co. of Canada-\nAmerican Bankers Life Assurance Co. of Florida..\nAmerican Banker's Insurance Co. of Florida\t\nAmerican Health & Life Insurance Co\t\nAmerican Home Assurance Co\t\nBankers Life Co\t\nB.C.A.A. Insurance Co \t\nBritish America Assurance Co\t\nBritish Aviation Insurance Co. Ltd-\nBritish Pacific Life Insurance Co\t\nCanada Accident & Fire Assurance Co-\nCanada Life Assurance Co \t\nCanadian Indemnity Co-\nCanadian Premier Life Insurance Co-\nCapital Life Insurance Co\t\nCasualty Co. of Canada-\nCombined Insurance Co. of America\t\nCommercial Union Assurance Co. Ltd-\nCommercial Union Assurance Co. of Canada..\nCompagnie D'Assurance du Quebec\t\nConfederation Life Insurance Co\t\nConnecticut General Life Insurance Co\t\nConstellation Life Assurance Co. of Canada-\nConstitution Insurance Co. of Canada\t\nContinental Assurance Co \t\nContinental Insurance Co ._ \t\nCo-operative Fire & Casualty Co-\nCrown Life Insurance Co\t\nCuna Mutual Insurance Society-\nDominion Insurance Corp\t\nDominion Life Assurance Co-\nDominion of Canada General Insurance Co-\nEaton Insurance Co \t\nEaton Life Assurance Co\t\nEconomical Mutual Insurance Co.\t\nEmployers' Mutual Liability Insurance Co. of Wisconsin..\nEquitable Life Assurance Society of the United States\t\nExcelsior Life Insurance Co\t\nFederal Insurance Co\t\nFederal Life & Casualty Co-\nFederated Life Insurance Co\t\nFederated Mutual Insurance Co-\nFidelity Insurance Co. of Canada-\nFireman's Fund Insurance Co\t\nFord Life Insurance Co\t\nFranklin Life Insurance Co \t\nGamble Alden Life Insurance Co\t\nGeneral Accident Assurance Co. of Canada..\nGeneral Fire & Casualty Co\t\nGlobe Indemnity Co. of Canada\t\nGreat Eastern Insurance Co\t\nGreat-West Life Assurance Co \t\nGuardian Insurance Co. of Canada\t\nHalifax Insurance Co\t\nHartford Fire Insurance Co-\nHudson Bay Insurance Co-\nImperial Guarantee & Accident Insurance of Canada-\nImperial Life Assurance Co. of Canada\t\nInsurance Co. of North America\t\nJohn Hancock Mutual Life Insurance Co-\nLiberty Mutual Insurance Co..\n14.\n1,360\n,594,181\n4,180\n8,066\n283,084\n46,801\n22,037\n1,761\n407,016\n5,567\n753,693\n2,924\n6,541\n132,980\n16,675\n,683,035\n30\n38,602\n366,799\n79\n,160,421\n260,124\n126,284\n137\n,677,046\n47,195\n892,011\n18,639\n309,744\n144,951\n,427,685\n86,705\n211,391\n749,472\n31,164\n6,745\n532,028\n7,922\n50\n406,847\n,855,434\n2,121\n760,769\n6,320\n4,786\n-32\n15,968\n6,311\nLife Insurance Co. of North America-\n2,466\n9,004\n1,657\n356\n,329,767\n162,557\n10,061\n350\n96\n19,532\n,026,263\n44,326\n41,038\n1,006\n91,646\n7,318\n1,181,201\n1,043\n2,492\n206,463\n24,358\n471\n\u201421\n\u201434,866\n5,480\n268,119\n1,722\n2,172,227\n25,927\n157,750\n\u201444\n384,737\n113,437\n30,009\n3,325,178\n12,367\n830,936\n7,489\n303\n186,086\n147,331\n11,964,653\n59,473\n23,804\n522,476\n35,596\n4,062\n437,528\n2,182\n494,534\n2,624,063\n 442,423\n1,384\n1,147\n732\n5,284\n7,647\n740\n177\n837\n5,073\n4,468,924\n17,251\n12,930\n8,396\nTfl\n632,354\n82,911\n8,185\n16\n156,326\n REPORT OF THE SUPERINTENDENT OF INSURANCE, 1975\nS 73\nTABLE VIII\u2014MISCELLANEOUS INSURANCE PREMIUMS AND LOSSES\nFOR 1975\u2014Continued\nPersonal Accident and Sickness\nName of Insurer\nNet\nPremiums\nWritten\nNet\nLosses\nIncurred\n$\n235\n735\n209,533\n$\nLondon A Midland General Tnaiirancp Cn\n537,124\n\u2014118\nLondon Life Insurance Co..\t\n3,655,831\n297,278\n6,717\n170\n163,847\n126,341\n519,099\n1,156,979\n2,930\n26,056\n35,704\n149,610\n2,714,324\n618,474\n2,682,536\nT_oval Protective Life, Tnsnranrp Co,\n146,585\nLumbermen's Mutual Casualty Co..     -                             .   .\n\u20145,483\nMaritime Life Assurance Cn.\n178,157\nMarkel Insurance Cn. nf Canada\n63,172\nMaryland Casualty Cn.\n561,457\nMetropolitan Life Insurance Co           \t\n978,801\nMontreal Life Insurance Cn.\n3,308\n8,906\nMutual Life Insurance Co. of New York.\t\n158,171\nMutual of Omaha Insurance Cn.\n1,450,277\nNew York Life Insurance Cn.\n495,061\n1,466\nNon-Marine Underwriters, member of Lloyd's \t\n794,511\n1,884\n34,608\n16,161\n54,443\n76,851\n729\n1,725,068\n227,695\n30,213\n4,110\n10,073\n50,066\n1,267,424\n640,539\n498\n463,439\n307,513\nPennsylvania Life Insurance Co _   .\n307,808\n2,568\n22,828\n57,426\n2,187\n168,126\n4,102,291\n16\n9\n48,929\n46,621\n4,197\nPrudential Assurance Co. Ltd \u201e \t\n140,602\n4,225,183\n27,919\n618,726\n7,290\n11,174\n3,232,595\n7,075\n457\n89,974\n4,731,109\n865,825\n124,937\n359\n14,036\n2,398\nRoyal Insurance Co. Ltd.     .\n90,640\n51,635\n1,200,503\n10,623\n640\n43\n5,725,984\n808,162\n115,229\n910\n\u2014208,578\n16,194\n1,095\n\u2014580\n19,125\n2,108\n643,665\n619,607\n3,353\n462,591\n514,029\nTotals for 1975                          .    .\n71,730,189\n53,801,328\nTotals for 1974\n65,446,891\n48,738,662\n S 74\nBRITISH COLUMBIA\nTABLE IX\u2014OTHER INSURANCE   (TABLE VIII)  SUMMARY\n(OOO's omitted)\nClass of Insurance\n1971\n1972\n1973\n1974\n1975\nProperty, R\u2014\nProperty, L...\nFidelity, P\t\nFidelity, L\u2014\nSurety, P. _\nSurety, L..\nBoiler and machinery, P \t\nBoiler and machinery, L \t\nGuarantee fidelity and surety, P\u2014.\nGuarantee, fidelity and surety, L-\nLiability, P\t\nLiability, L.\nPersonal accident and sickness, P-\nPersonal accident and sickness, L-\nAircraft, P\t\nAircraft, L \t\nMarine, P\t\nMarine, L\t\nOther forms, P\t\nOther forms, L._ \t\nTotals, P._\nTotals, L-\n78,924\n52,349\n2,053\n1,701\n3,457\n1,253\n10,036\n6,615\n34,250\n24,091\n8,487\n4,131\n7,398\n3,285\n129\n58\n147,734\n93,483\n91,305\n59,430\n2,598\n353\n3,801\n2,760\n12,319\n5,824\n39,975\n28,016\n8,560\n3,223\n8,381\n4,332\n906\n5\n$\n107,129\n65,936\n984\n437\n3,115\n502\n2,476\n3,394\n12,726\n8,862\n54,478\n39,180\n7,563\n6,257\n10,639\n5,572\n3,618\n65\n$\n114,511\n96,506\n1,055\n393\n3,425\n1,470\n4,211\n6,252\n15,225\n8,403\n65,447\n48,739\n8,899\n7,769\n13,680\n6,673\n3,691\n56\n137,819\n97,114\n1,233\n712\n4,846\n\u2014791\n3,931\n489\n18,719\n11,234\n71,730\n53,801\n13,516\n8,779\n12,640\n10,300\n3,726\n132\n167,845\n202,728\n230,144      |    268,160\n103,943\n130,205\n176,261\n181,770\nP.\u2014Premiums.\nL.\u2014Losses.\nPrinted by K. M. MacDonald, Printer to the Queen's Most Excellent Majesty\nin right of the Province of British Columbia.\n1977\n1,030-877-1945\n","attrs":{"lang":"en","ns":"http:\/\/www.w3.org\/2009\/08\/skos-reference\/skos.html#note","classmap":"oc:AnnotationContainer"},"iri":"http:\/\/www.w3.org\/2009\/08\/skos-reference\/skos.html#note","explain":"Simple Knowledge Organisation System; Notes are used to provide information relating to SKOS concepts. 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Library. Sessional Papers of the Province of British Columbia","attrs":{"lang":"en","ns":"http:\/\/purl.org\/dc\/terms\/source","classmap":"oc:SourceResource","property":"dcterms:source"},"iri":"http:\/\/purl.org\/dc\/terms\/source","explain":"A Dublin Core Terms Property; A related resource from which the described resource is derived.; The described resource may be derived from the related resource in whole or in part. 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