RENEWAL NOTICE - RATE REDUCTION
|
|
- Erin Williamson
- 5 years ago
- Views:
Transcription
1 Professional Liability Service Team Marsh Canada Limited 70 University Avenue, Suite 800 Toronto, ON M5J 2M4 Tel / Fax / lifeagents.service@marsh.com RENEWAL NOTICE - RATE REDUCTION Subject: Desjardins/DFSIN Agents Errors & Omissions (E&O) Insurance Program Westport Insurance Corporation Expiring Policy No. ELE4ON Dear Advisor: We are pleased to advise that renewal negotiations have been successfully completed between your Sponsoring Entity, Desjardins Financial Security and your insurer, Westport Insurance Corporation, for the new policy term, September 1, 2012 to September 1, Renewal premiums for the various Limits have been reduced as follows: Limit of Liability Aggregate Deductible Expiring New Annual Premium Per Claim Per policy period Per Loss Annual Premium $1,000,000 $2,000,000 $1000 $685 $650 $2,000,000 $2,000,000 $1000 $815 $775 5,000,000 $5,000,000 $1000 $1,190 $1,130 Licensed Marketing Assistants (LMAs) Premium: $1,000,000 $2,000,000 $1000 $400 $380 LMAs must be salaried, have no personal sales, receive no commission income; AND must be an employee of an Insured Advisor currently enrolled in the program. Where Regulations require a higher aggregate, currently in Manitoba, it will be provided automatically at no additional premium. Example, for agents who are Life licensed in Manitoba, the aggregate of $5,000,000 will automatically be provided if they purchase limits of $1MM or $2MM respectively. Regulatory Endorsements for Ontario, Manitoba, British Columbia, Saskatchewan, Newfoundland and Alberta are included in the above premium.
2 The Desjardins Advisors E&O Program is one of the most comprehensive and competitive plans. We encourage you to continue using excellent risk management techniques and incorporating high business standards and practices in your everyday transactions. It is evident that everyone benefits from these practices. SELECTING YOUR LIMIT OF LIABILITY Many advisors are choosing the minimum limit of $1,000,000. Selecting higher limits enables you to practice with minimum concern about the adequacy of your protection. Decisions about limits of liability should not be based solely on price; higher limits are available for a relatively small percentage increase in premium. A general guideline for deciding which limit to choose: Consider the risk exposure of your practice clients portfolio, products sold, and balance that against which limit of liability you should purchase - $1M, $2M or $5M. Whichever limits you select, it is prudent to review your coverage on an annual basis Are the limits appropriate to your operations and the risk exposure your practice represents? Society is becoming very litigious and it is in your best interest to be protected. Also, higher amounts are being paid out in claims. IMPORTANT - WHAT HAPPENS IF YOU DO NOT RENEW YOUR COVERAGE Your coverage will automatically lapse on September 1, 2012 if you do not renew it. Please note that the Insurer will not back-date coverage. It is in your best interest and it is your responsibility to renew your coverage in a timely manner. WHAT YOU SHOULD DO IF YOU ARE RETIRING FROM THE FINANCIAL INDUSTRY If you are retiring from the financial industry, we strongly recommend that you purchase EXTENDED REPORTING PERIOD (ERP) coverage. ERP: The Extended Reporting Period applies when a policy is cancelled or non-renewed. The extended reporting period allows an insured to purchase an additional period, during which a claim arising from errors, omissions or negligent acts can be reported and covered under the cancelled policy. However, the endorsement does not extend coverage for any new occurrences, only to those which took place before the policy was cancelled, and which surface during the extended reporting period. The following Extended Reporting Period (ERP) options are available: In the event the Insured Agent retires from the business of selling and servicing life and accident & health Insurance and any related products covered by this policy, or becomes disabled or dies, at
3 the next renewal date the Insured Agent or any heir, executor, administrator, assignee or legal representative, shall have the right to purchase an extension period, by paying prior to the policy s renewal date, the flat premium shown in the following schedule. Such discovery period will begin immediately following the date of cancellation and will run for not less than 3 years, covering CLAIMS FIRST MADE AGAINST THE INSURED and reported to the insurer during the extension period. Discovery Period Term Flat current, annual Premium 3 Years 150% 4 Years 175% 5 Years 200% 6 Years 220% 7 Years 240% 8 Years 260% 9 Years 280% 10 Years 300% Unlimited 400% As an example, if you are purchasing 5 Years of ERP, you will have to pay 2 x $685 (current annual premium for $1M limit) = $1,370. This is a one time charge and is non renewable. You can only purchase the limit for which you have previously purchased. As an example, if you had purchased $1M limit, the insurer will not permit you to purchase ERP for a limit of $2M, you will have to purchase a limit of $1M. PREMIUMS We are requesting that you please ensure that your payment is in good standing whether you are paying by credit card, interac or cheque. (Credit card is the preferred choice and we highly recommend it. Payment made on line will allow you to print your certificate of insurance immediately.) Payment must be received for coverage to be effective under the Policy. PREMIUM: The INSURED AGENT shall pay the Corporation the premium due, in the amount stated in each individual CERTIFICATE issued under this policy, and the payment of such premium shall be a condition precedent to any coverage under this POLICY. Attached to this letter is An Important Notice on Claims. Please ensure that you read it carefully and follow the instructions provided, if required.
4 Policy Claim Reporting Terms: This explanation of the reporting provisions of your policy has been provided in order to assist you in understanding and complying with the policy's requirements. In the event of a question or disagreement with your insurer concerning interpretation of the policy's reporting requirements as applied to the reporting of a specific claim, loss, occurrence, incident, offence or lawsuit, the actual policy wording, which is the contract between you and the insurer, and not Marsh's explanation of that language, will be controlling. Marsh, as an insurance representative, does not provide legal advice, and this explanation should not be relied upon as a legal interpretation of the policy provisions. The Marsh Non Refundable Administration Fee of $20.00 per agent remains in force. Please note that this fee is in addition to the Brokers Commission of 20% of premium from the Insurer. If you have any questions, please call your Service Team: Greater Toronto Area or Toll Free Or at: ligeagents.service@marsh.com Once again, thank you for your business and we look forward to assisting you in the future. Sincerely, Kuntie Kunan-Wright Professional Liability Service Team IMPORTANT NOTICE ON CLAIMS
5 INSTRUCTIONS REGARDING REPORTING CLAIMS / ISSUES Your insurance policy is written on a claims made and reported basis. A claims made policy provides coverage for any claim (subject to the terms, limits and exclusions of the policy) provided that the claim is first made and the insurer receives notice of the claim during the policy period. Coverage under your claims made insurance policy is based on the date when you first became aware of or reasonably should have been aware of a claim or incident that could give rise to claim, regardless of the date when the incident actually occurred. Your current policy with Westport Insurance Corporation excludes claims and/or circumstances which may reasonably result in a claim where you have prior knowledge of the claim and/or circumstances. If you have knowledge of an incident and you are not certain if this incident could give rise to a claim, to protect YOUR interest, please forward a Notice to Westport Insurance Corporation. Failure to do this could potentially result in you paying out of your own pocket for incidents which you were aware of but did not report to the insurer. Claims, circumstances, issues or incidents may arise in instances where you may be requested to appear before a court or other regulatory body/authority or in the event that you have to attend a deposition or examination for discovery. You are required to immediately advise Westport Insurance. In order to protect yourself, it is essential that you immediately disclose in writing to your insurer, Westport Insurance Corporation, any claims, circumstances, issues or incidents (whether verbal or written) which may reasonably result in a claim. It is very important that you do not share your files with third parties and/or their lawyers without first contacting Westport Insurance Corporation. A failure to do so, may prejudice the interests of your insurer and your ability to obtain coverage under the policy. It is absolutely imperative that any claim or potential claim you are aware of be reported before August 31st. Failure to comply with the claims reporting provision of your policy may result in the denial of coverage by the insurer in the event of a claim. Policy Claim Reporting Terms: This explanation of the reporting provisions of your policy has been provided in order to assist you in understanding and complying with the policy's requirements. In the event of a question or disagreement with your insurer concerning interpretation of the policy's reporting requirements as applied to the reporting of a specific claim, loss, occurrence, incident, offence or lawsuit, the actual policy wording, which is the contract between you and the insurer, and not Marsh's explanation of that language, will be controlling. Marsh, as an insurance representative, does not provide legal advice, and this explanation should not be relied upon as a legal interpretation of the policy provisions. Westport Insurance Corporation 5200 Metcalf, P.O. Box 2991 Overland Park, KS Telephone: Toll Free: Facsimile: Toll Free Facsimile: ci_specialtyclaims@swissre.com cc: Robin_LaFollette@swissre.com
6
2015 RENEWAL NOTICE. Dear Advisor:
Professional Liability Service Team Marsh Canada Limited 120 Bremner Blvd., Suite 800 Toronto, ON M5J 0A8 Tel. 888 711 7426 / 416 349 3592 Fax. 800 214 2471 / 416 349 4510 lifeagents.service@marsh.com
More informationIMPORTANT RENEWAL NOTICE
Professional Liability Service Team Marsh Canada Limited 120 Bremner Boulevard, Suite 800 Toronto, ON M5J 0A8 Tel. +1 888 711 7426 / +1 416 349 3592 Fax. +1 800 214 2471 / +1 416 349 4510 lifeagents.service@marsh.com
More informationIMPORTANT RENEWAL NOTICE
Professional Liability Service Team Marsh Canada Limited 120 Bremner Boulevard, Suite 800 Toronto, Ontario M5J 0A8 +1 416 349 3592 / +1 888 711 7426 Fax +1 416 349 4510 / +1 800 214 2471 errorsandomissions.insurance@marsh.com
More informationPlease provide your IDC WIN Location:
150 King Street West, Suite 1000 Toronto, Ontario M5H 1J9 APPLICATION FOR "CLAIMS MADE" AND REPORTED INSURANCE POLICY FOR LIFE INSURANCE BROKERAGE/AGENCY PROFESSIONAL LIABILITY (E&O) IDC Worldsource Insurance
More informationADR Program Professional Liability Insurance and Commercial Liability Insurance Renewal Terms
ADR Program Professional Insurance and Commercial Insurance Renewal Terms July 1, 2012 Important News about the 2012 Professional and CGL Insurance Renewal We have been successful in completing renewal
More information2001 COOPERATIVE CREDIT ASSOCIATIONS - (in thousands of dollars) TABLE 1 - ASSETS
TABLE 1 - ASSETS British Columbia Ontario Ltd. Nova Scotia Alberta Canada Cash resources 0 28,905 5 19,473 2,622 Deposits with regulated financial institutions.. 532,821 32,743 160,372 8,802 0 Securities
More informationCANADA PROTECTION PLAN SAMPLE POLICY
CANADA PROTECTION PLAN SAMPLE POLICY Policy underwritten by Foresters Life Insurance Company The following sample policy pages are provided for reference only. They may be incomplete and/or may not reflect
More informationHere are just a few of the features of this top-rated E&O Program:
800-745-7189 M-F 7:00 AM - 5:00 PM PST 681 S. Parker St., Suite 300 Orange, CA 92868 Welcome to the Group Sponsored Errors & Omissions Program designed exclusively for The Society of Financial Services
More informationProtection For Your Personal Loan
Protection For Your Personal Loan Protect What s Important Distribution Guide and Certificate of Insurance 592148(0317) For use in Quebec only Protection For Your Personal Loan Protect What s Important
More information2003 BCSECCOM 764 AND IN THE MATTER OF THE MUTUAL RELIANCE REVIEW SYSTEM FOR EXEMPTIVE RELIEF APPLICATIONS AND
Headnote Mutual Reliance Review System for Exemptive Relief Application application for relief from the insider reporting requirement in connection with certain dispositions of securities made to satisfy
More informationThis Offering Circular covers shares of Enerplus Corporation under its. Dividend Reinvestment Plan
Dividend Reinvestment Plan This Offering Circular covers shares of Enerplus Corporation under its Dividend Reinvestment Plan OFFERING CIRCULAR REVISED JANUARY 2011 Contents 2 Questions and Answers 8 Purpose
More informationPADI-ENDORSED PROFESSIONAL LIABILITY INSURANCE FOR PADI CANADA MEMBERS
When you compare the coverage, the service and the price you will see that there has never been a better time to look to the PADIendorsed Professional Liability Insurance program. 2017-2018 The excellent
More informationPerceptions Of Homelessness In Canada. GCI Group November, 2005
Perceptions Of Homelessness In Canada GCI Group November, 2005 Background & Methodology 1435 Canadians, from POLLARA s on-line panel, conducted the on-line survey from November 11th to the 15th, 2005.
More informationPROFESSIONAL AND COMMERCIAL GENERAL LIABILITY APPLICATION
PRACTICE RISK SOLUTIONS HEALTHCARE PROFESSIONALS INSURANCE ALLIANCE PROFESSIONAL AND COMMERCIAL GENERAL LIABILITY APPLICATION Name of Applicant: Telephone: Email: 1. In order to be eligible for this insurance
More informationNOTICE OF COMPULSORY ACQUISITION THE HOLDERS OF COMMON SHARES OF ITHACA ENERGY INC.
This document is important and requires your immediate attention. If you are in doubt as to how to deal with it, you should consult your investment dealer, broker, lawyer or other professional advisor.
More informationNORDTHLARND PIOWPER INC.
Dividend Re-Investment Plan NORDTHLARND PIOWPER INC. Amended and Restated Shareholder Dividend Re-Investment Plan DIVIDEND REINVESTMENT PLAN Table of Contents Introduction... 2 Overview... 3 Definitions...
More informationAppendix A Jurisdiction-Specific Requirements General Insurance Agents And Brokers
Appendix A Jurisdiction-Specific Requirements General Insurance Agents And Brokers Documents to be attached to Application: Non-residents must attach a Certificate of Authority from their home jurisdiction
More informationSUMMARY PLAN DESCRIPTION FOR SPRINT RETIREE HEALTH REIMBURSEMENT ARRANGEMENT
SUMMARY PLAN DESCRIPTION FOR SPRINT RETIREE HEALTH REIMBURSEMENT ARRANGEMENT Rev Nov 2017 TABLE OF CONTENTS INTRODUCTION... 1 PART 1: General Information about the Plan.. 2 Q-1. Who can participate in
More informationSAMPLE DATA PAGE MARY SMITH AND JOHN SMITH POLICY DATE SEPTEMBER 1, 2017 LIVES INSURED AND SCHEDULE OF BENEFITS MATURITY OR EXPIRY DATE
DATA PAGE POLICY NUMBER OWNER(S) MARY SMITH AND JOHN SMITH POLICY DATE SEPTEMBER 1, 2017 LIVES INSURED AND SCHEDULE OF BENEFITS INITIAL ANNUAL PREMIUM/PAYMENT MATURITY OR EXPIRY DATE $450.00 Life LIFE
More informationWhole Life Policy. Premiums are Guaranteed for the Life of the Contract. Insurance payable at death of Insured
Whole Life Policy Premiums are Guaranteed for the Life of the Contract Insurance payable at death of Insured Funeral Planning and Family Support Assistance Benefit Non-participating Non-convertible Western
More informationApplication for Claims Made Insurance Policy for Insurance Agents and Brokers Professional Liability (E&O)
Subject to Acceptance by WESTPORT INSURANCE CORPORATION 150 King Street West, Suite 1000 Toronto ON M5H 1J9 Application for Claims Made Insurance Policy for Insurance Agents and Brokers Professional Liability
More informationDESJARDINS FINANCIAL CORPORATION INC.
This document is important and requires your immediate attention. If you are in doubt as to how to deal with it, you should consult your investment dealer, broker, lawyer or other professional advisor.
More informationQuestions to ask yourself when making decisions about your survivor benefits
SURVIVOR BENEFITS INTRODUCTION Your eligible spouse or children may be entitled to survivor benefits to help them maintain financial security after you die. The type and amount of benefit depends on how
More informationCANADA PROTECTION PLAN SAMPLE POLICY
CANADA PROTECTION PLAN SAMPLE POLICY Policy underwritten by Foresters Life Insurance Company The following sample policy pages are provided for reference only. They may be incomplete and/or may not reflect
More informationPROGRESS ENERGY RESOURCES CORP. Dividend Reinvestment Plan Questions and Answers
PROGRESS ENERGY RESOURCES CORP. Dividend Reinvestment Plan Questions and Answers The following series of questions and answers explains some of the key features of the Progress Energy Resources Corp. (the
More informationABERDEEN ASIA-PACIFIC INCOME INVESTMENT COMPANY LIMITED. Dividend Reinvestment. and. Optional Cash Purchase Plan. And OFFERING CIRCULAR
ABERDEEN ASIA-PACIFIC INCOME INVESTMENT COMPANY LIMITED Dividend Reinvestment and Optional Cash Purchase Plan And OFFERING CIRCULAR Effective Date: September 30, 2013 ABERDEEN ASIA-PACIFIC INCOME INVESTMENT
More informationDIVIDEND REINVESTMENT AND SHARE PURCHASE PLAN
22FEB200619140411 DIVIDEND REINVESTMENT AND SHARE PURCHASE PLAN May 1, 2006 This Offering Circular is intended for use only in connection with offers and sales of common shares of TransCanada Corporation
More informationLETTER OF TRANSMITTAL FOR COMMON SHARES OF DARWIN RESOURCES CORP. PURSUANT TO ITS PROPOSED PLAN OF ARRANGEMENT
The instructions accompanying this Letter of Transmittal should be read carefully before this Letter of Transmittal is completed. If you have any questions or require more information with regard to the
More informationMANITOBA TELECOM SERVICES INC. DIVIDEND REINVESTMENT AND SHARE PURCHASE PLAN
MANITOBA TELECOM SERVICES INC. DIVIDEND REINVESTMENT AND SHARE PURCHASE PLAN MAY 12, 2010 SUMMARY Manitoba Telecom Services Inc. Dividend Reinvestment and Share Purchase Plan This is a summary of the features
More informationPROSPECTUS Continuous Offering Detailed Plan Disclosure
No securities regulatory authority has expressed an opinion about these securities and it is an offence to claim otherwise. PROSPECTUS Continuous Offering Detailed Plan Disclosure IMPRESSION PLAN TM August
More informationDACnet ( )
Re: DACnet Subscription Agreement Thank you for your interest in DACnet. Attached please find the DACnet subscription agreement you requested. The subscription agreement details the terms and conditions
More informationNORTHWEST HEALTHCARE PROPERTIES REAL ESTATE INVESTMENT TRUST. Distribution Reinvestment Plan
NORTHWEST HEALTHCARE PROPERTIES REAL ESTATE INVESTMENT TRUST Purpose Distribution Reinvestment Plan The Distribution Reinvestment Plan (the Plan ) provides eligible holders ( Unitholders ) of trust units
More informationCertificate of Insurance Creditor Insurance for CIBC Personal Lines of Credit
13002-2017/06 Page 1 of 11 Table of Contents Note: This is an important document. Please keep it in a safe place. Introduction...2 Who can apply...2 When your Insurance begins... 2 When your Insurance
More informationA GUIDE TO PURCHASING LAWYER S PROFESSIONAL LIABILITY INSURANCE IN VIRGINIA
A GUIDE TO PURCHASING LAWYER S PROFESSIONAL LIABILITY INSURANCE IN VIRGINIA Presented By The Virginia State Bar's Special Committee on Lawyer Malpractice Insurance August 2008 The Need For Professional
More informationENERVEST DIVERSIFIED INCOME TRUST. Distribution Reinvestment Plan
Features of the Plan include the following: ENERVEST DIVERSIFIED INCOME TRUST Distribution Reinvestment Plan Unitholders, other than U.S. citizens or U.S. residents, may elect to reinvest their cash distributions
More informationAMENDMENT No. 1 to OFFERING MEMORANDUM
AMENDMENT No. 1 to OFFERING MEMORANDUM Date: June 15, 2016 The Issuer Name: Head office: Address: Suite 111, 20434 64 th Avenue, Langley, British Columbia Phone: 604-530-7430 (Toll Free: 1-866-907-5407)
More information2011 BCSECCOM 77. Applicable British Columbia Provisions National Instrument Insider Reporting Requirements and Exemptions, s. 10.
February 1, 2011 Headnote Multilateral Instrument 11-102 Passport System and National Policy 11-203 Process for Exemptive Relief Applications in Multiple Jurisdictions National Instrument 55-104 Insider
More informationNEW MILLENNIUM TECHNOLOGY TRUST. Distribution Reinvestment Plan
NEW MILLENNIUM TECHNOLOGY TRUST Distribution Reinvestment Plan Introduction New Millennium Technology Trust (the Trust ) wishes to establish this automatic distribution reinvestment plan (the Plan ) to
More informationCAPACITY OF ADULTS WITH MENTAL DISABILITIES AND THE FEDERAL RDSP
CAPACITY OF ADULTS WITH MENTAL DISABILITIES AND THE FEDERAL RDSP DISCUSSION PAPER SUMMARY December 2013 Available online at www.lco cdo.org Disponible en français ISBN: 978 1 926661 63 6 This publication
More informationParkLane Financial Group Ltd Lakeshore Road, Suite 205 South Burlington, ON L7S 2J1 Tel: ; Toll Free:
ParkLane Financial Group Ltd. 1455 Lakeshore Road, Suite 205 South Burlington, ON L7S 2J1 Tel: 905.639.5646; Toll Free: 1.877.776.3486 June 3, 2014 Subject: Donations for Canada Program (the Gift Program
More informationOn April 2, 2013, Equitable Life of Canada invites your clients to
On April 2, 2013, Equitable Life of Canada invites your clients to Equitable Client Access is a new online tool which gives Individual Insurance and Savings and Retirement clients* instant access to details
More informationCERTIFIED MANAGEMENT ACCOUNTANTS NEW BRUNSWICK
CERTIFIED MANAGEMENT ACCOUNTANTS NEW BRUNSWICK 2014-2015 New Business Application Professional Liability Errors & Omissions and Office Package Insurance For Applicants in New Brunswick General Information
More informationDistribution Reinvestment Plan
Distribution Reinvestment Plan PURPOSE The Distribution Reinvestment Plan (the Plan ) provides eligible holders ( Holders ) of trust units ( Trust Units ) of Choice Properties Real Estate Investment Trust
More informationLETTER OF TRANSMITTAL LUMINA GOLD CORP.
Please carefully read all the instructions below and the Instructions starting on page 9 of this Letter of Transmittal before completing this Letter of Transmittal. LETTER OF TRANSMITTAL FOR COMMON SHARES
More informationEncana Corporation Dividend Reinvestment Plan
Encana Corporation QUESTIONS AND ANSWERS The following series of questions and answers explains some of the key features of the Encana Corporation (the "Corporation") (the "Plan"). The answers set forth
More informationFREQUENTLY ASKED QUESTIONS REGARDING SALE OF NORTEL S MSS BUSINESS TO ERICSSON
FREQUENTLY ASKED QUESTIONS REGARDING SALE OF NORTEL S MSS BUSINESS TO ERICSSON October 1, 2010 Legal Representation Implications of Sale for MSS Business employees Nortel Pension Issues NCCE Claims and
More informationLETTER OF TRANSMITTAL
The Instructions accompanying this Letter of Transmittal should be read carefully before this Letter of Transmittal is completed. LETTER OF TRANSMITTAL FOR COMMON SHARES OF AFRICA OIL CORP. This Letter
More informationSprott Flow-Through Limited Partnerships
Sprott Tax-Assisted Investments Sprott Flow-Through Limited Partnerships Natural resources an essential element of a wellstructured investment portfolio Adding natural resource investments to your portfolio
More informationPremium Dividend and Dividend Reinvestment Plan QUESTIONS AND ANSWERS
Premium Dividend and Dividend Reinvestment Plan QUESTIONS AND ANSWERS The following series of questions and answers explains some of the key features of the Premium Dividend and Dividend Reinvestment Plan
More informationPEMBINA PIPELINE CORPORATION. Premium Dividend and Dividend Reinvestment Plan QUESTIONS AND ANSWERS
PEMBINA PIPELINE CORPORATION Premium Dividend and Dividend Reinvestment Plan QUESTIONS AND ANSWERS The following series of questions and answers explains some of the key features of the Premium Dividend
More informationAmended and Restated Dividend Reinvestment and Share Purchase Plan. Offering Circular
Amended and Restated Dividend Reinvestment and Share Purchase Plan Offering Circular TABLE OF CONTENTS PARTS OF THIS OFFERING CIRCULAR... 1 NOTICE TO NON-REGISTERED BENEFICIAL HOLDERS OF COMMON SHARES...
More informationCity: Prov/Terr: Postal Code: City: Prov./Terr.: Postal Code:
PRACTICE RISK SOLUTIONS HEALTHCARE PROFESSIONALS INSURANCE ALLIANCE APPLICATION FOR CLINIC PACKAGE AND/OR CYBER SECURITY & PRIVACY LIABILITY (FOR YOUR BUSINESS), AND/OR EMPLOYMENT PRACTICES (MANAGEMENT)
More informationTAX GUIDE FOR PREPARING YOUR 2004 INCOME TAX RETURN
TAX GUIDE FOR PREPARING YOUR 2004 INCOME TAX RETURN MRF 2002 LIMITED PARTNERSHIP MRF 2002 II LIMITED PARTNERSHIP MRF 2003 LIMITED PARTNERSHIP MRF 2003 II RESOURCE LIMITED PARTNERSHIP MRF 2004 RESOURCE
More informationNational Agents Alliance Outline of Coverage
Page 1 of 5 Policy Period: September 1, 2017 to September 1, 2018 Insurer: Arch Insurance Company (A Member of Arch Insurance Group) 2017 A.M. Best s: A+ (Superior): XV National Agents Alliance Outline
More informationLETTER OF TRANSMITTAL to accompany certificates for Common Shares of URANIUM ONE INC. pursuant to its proposed Plan of Arrangement
The Instructions accompanying this Letter of Transmittal should be read carefully before this Letter of Transmittal is completed. LETTER OF TRANSMITTAL to accompany certificates for Common Shares of URANIUM
More informationMassachusetts Mutual Life Insurance Company
/~ /~ / ######## ####### ## #### ###### ## ## ## ## ## ## ## ## ## ## ## ## ## ## ## ## ## ## ## #### ######## ## ## ## ## ## ## ## ## ## ## ## ## ## ## ## ## ## ## ## ## ## ## ####### ######## #### ######
More informationDividend reinvestment and share purchase plan
Dividend reinvestment and share purchase plan Amended and restated February 2013 table of contents introduction/summary...2 contact information...6 questions and answers...7 offering circular...15 an
More informationDIVIDEND REINVESTMENT PLAN
DIVIDEND REINVESTMENT PLAN PURPOSE The Dividend Reinvestment Plan (the "Plan") provides eligible holders ("Shareholders") of common shares ("Shares") of TransAlta Renewables Inc. (the "Corporation") the
More informationPEMBINA PIPELINE CORPORATION. Premium Dividend and Dividend Reinvestment Plan QUESTIONS AND ANSWERS
PEMBINA PIPELINE CORPORATION Premium Dividend and Dividend Reinvestment Plan QUESTIONS AND ANSWERS The following series of questions and answers explains some of the key features of the Premium Dividend
More informationeverything we do supports lawyers
We promote you in our marketing materials and at real estate agent, lender and consumer events and trade shows. We talk to local lenders about the need to keep their business local and why it makes sense
More information2013 Annual Balance Reconciliation Return Instructions & Line Guide
2013 Annual Balance Reconciliation Return Instructions & Line Guide General Insurance Statistical Agency/Agence statistique d'assurance générale 17th Floor; 5160 Yonge Street Toronto, Ontario M2N 6L9 General
More informationPROPOSED GUIDELINES FOR CAPITAL ACCUMULATION PLANS
Forum conjoint des autorités de réglementation du marché financier PROPOSED GUIDELINES FOR CAPITAL ACCUMULATION PLANS April 2003 5160 Yonge Street, Box 85, 17 th Floor, North York ON M2N 6L9 Telephone:
More informationSecretary s Report November 9, Amendments to By-Law 6. Tab 7. Prepared by the Secretary Jim Varro ( )
Tab 7 Secretary s Report November 9, 2016 Amendments to By-Law 6 Purpose of Report: Decision Prepared by the Secretary Jim Varro (416-947-3434) 363 FOR DECISION AMENDMENTS TO BY-LAW 6 Motion 1. That Convocation
More informationSEIU AFFILIATES OFFICERS AND EMPLOYEES PLAN (CANADIAN PARTICIPANTS) SUMMARY PLAN DESCRIPTION
SEIU AFFILIATES OFFICERS AND EMPLOYEES PLAN (CANADIAN PARTICIPANTS) SUMMARY PLAN DESCRIPTION January, 2008 Service Employees International Union, CLC Affiliates Officers and Employees Pension Fund 11 DUPONT
More informationTAX INITIATIVES TAX OPTION GRADUATED FLAT COMPETITIVE
Taxation C1 TAX INITIATIVES Major changes to personal income tax policy across Canada became effective for the 2001 tax year. The most important change has been the replacement of the tax-on-tax system
More informationGroup Savings Plan 2001
PLAN SUMMARY Group Savings Plan 2001 Type of Plan: Group Scholarship Plan Investment Fund Manager: C.S.T. Consultants Inc. May 9, 2017 This summary tells you some key things about investing in the Plan.
More informationFederal and Provincial/Territorial Tax Rates for Income Earned
by a CCPC Effective January 1, 2015 and 2016 by a CCPC Effective January 1, 2015 1 Federal rates General corporate rate 38.0% 38.0% 38.0% Federal abatement (10.0) (10.0) (10.0) 28.0 28.0 28.0 business
More informationDividend Reinvestment and Common Share Purchase Plan
5 U N CO R) E N E R G Y Dividend Reinvestment and Common Share Purchase Plan August 1997 Dear Shareholder: Suncor Energy inc. is introducing a new investment plan for holders of its common shares. The
More informationUnlocking Pension Funds Consultation
Unlocking Pension Funds Consultation NATIONAL PENSIONS AND BENEFITS LAW SECTION CANADIAN BAR ASSOCIATION September 2009 500-865 Carling Avenue, Ottawa, ON, Canada K1S 5S8 tel/tél : 613.237.2925 toll free/sans
More informationApplication for Claims Made Insurance Policy for Insurance Agents and Brokers Professional Liability (E&O)
Subject to Acceptance by WESTPORT INSURANCE CORPORATION 150 King Street West, Suite 1000 Toronto ON M5H 1J9 Please submit your completed application to: COURMARK inc. 1111, rue St-Charles Ouest, Tour Est,
More informationForm F1 REPORT OF EXEMPT DISTRIBUTION
Form 45-106F1 REPORT OF EXEMPT DISTRIBUTION This is the form required under section 6.1 of National Instrument 45-106 for a report of exempt distribution. Issuer/underwriter information Item 1: State the
More informationAmended Form F6 British Columbia Report of Exempt Distribution
Amended Form 45-106F6 British Columbia Report of Exempt Distribution This is the form required under section 6.1 of National Instrument 45-106 for a report of exempt distribution in British Columbia. Issuer/underwriter
More informationSPECIMEN. Table of Contents. EasyTerm Insurance Policy. Policy Terms and Conditions. 1. Definitions Effective Date Insurance Benefits 2
EasyTerm Insurance Policy Table of Contents Policy Terms and Conditions Page 1. Definitions 1 2. Effective Date 2 3. Insurance Benefits 2 4. Premium 2 5. Beneficiary 4 6. Policy Options 4 7. Contesting
More informationQUESTIONS AND ANSWERS
1. Who is Aspen American Insurance Company (a member of The Aspen Group)? Aspen American Insurance Company is the issuing carrier for the policy sponsored Penn Mutual Life Insurance Company ( the Insurer
More informationApplication for a Canada Pension Plan Death Benefit
Service Canada Personal Information Bank ESDC PPU 146 Application for a Canada Pension Plan Death Benefit It is very important that you: - send in this form with supporting documents (see the information
More informationTIME TO ENROLL ENROLL ONLINE IN 5 MINUTES OR LESS
TIME TO ENROLL ENROLL ONLINE IN 5 MINUTES OR LESS Group Sponsored Errors & Omissions Program Designed Exclusively for Agents Affiliated with Senior Market Sales Enroll Today at: It s time to enroll in
More informationNOTICE. You must be a currently contracted agent/broker of Infinity Insurance Group to be eligible for enrollment in this E&O program.
NOTICE You must be a currently contracted agent/broker of Infinity Insurance Group to be eligible for enrollment in this E&O program. If you enroll in this program and you do not have an ACTIVE contract
More informationNEW MEMBERSHIP APPLICATION INFORMATION PACKAGE
PORTFOLIO MANAGEMENT ASSOCIATION OF CANADA (PMAC or the "Association") ASSOCIATION DES GESTIONNAIRES DE PORTEFEUILLE DU CANADA (AGPC) NEW MEMBERSHIP APPLICATION INFORMATION PACKAGE SECTION A. FIRM CONTACT
More informationALTAGAS INCOME TRUST
Introduction ALTAGAS INCOME TRUST Premium Distribution TM, Distribution Reinvestment and Optional Unit Purchase Plan of AltaGas Income Trust for Holders of Trust Units This Premium Distribution TM, Distribution
More information2005 BCSECCOM 209. Applicable British Columbia Provisions National Instrument , s Continuous Disclosure Obligations
April 4, 2005 Headnote Mutual Reliance Review System for Exemptive Relief Applications - National Instrument 51-102, s. 13.1 Continuous Disclosure Obligations - an issuer wants relief from the requirement
More informationLETTER OF TRANSMITTAL
THE INSTRUCTIONS ACCOMPANYING THIS LETTER OF TRANSMITTAL SHOULD BE READ CAREFULLY BEFORE THIS LETTER OF TRANSMITTAL IS COMPLETED. THIS LETTER OF TRANSMITTAL IS FOR USE IN ACCEPTING THE OFFER BY 1080890
More informationYOUR GROUP TERM LIFE INSURANCE PLAN
YOUR GROUP TERM LIFE INSURANCE PLAN For Employees of Cypress-Fairbanks Independent School District Basic Life Insurance Coverage D1489 (03/17) GROUP TERM LIFE INSURANCE CERTIFICATE RELIASTAR LIFE INSURANCE
More informationAgents Affiliated with Senior Market Sales, Inc. Agent s E&O Program Outline of Coverage
Page 1 of 6 Policy Period: September 1, 2012 to September 1, 2013 Insurer: Aspen American Insurance Company and Aspen Specialty Insurance Company (New York Agents Only) Members of The Aspen Group Aspen
More informationLang Michener LLP Lawyers Patent & Trade Mark Agents
Lawyers Patent & Trade Mark Agents BCE Place, 181 Bay Street, Suite 2500 Reply to: P.O. Box 747 Philippe Tardif Toronto ON M5J 2T7 Direct dial: 416-307-4085 Canada Direct fax: 416-304-3761 ptardif@langmichener.ca
More informationMAWER MUTUAL FUNDS SIMPLIFIED PROSPECTUS
No securities regulatory authority has expressed an opinion about these units and it is an offence to claim otherwise. The Funds and the securities of the Funds offered under this Simplified Prospectus
More informationCharitable Donations of Securities Gifting shares instead of cash could enhance your tax benefit Gifting publicly-traded securities
November 18, 2010 Charitable Donations of Securities Gifting shares instead of cash could enhance your tax benefit Gifting publicly-traded securities To encourage individuals to increase their charitable
More information2014 Annual Report. Canadian Motor Vehicle Arbitration Plan.
2014 Annual Report Canadian Motor Vehicle Arbitration Plan www.camvap.ca Table of Contents Canadian Motor Vehicle Arbitration Plan... 4 Consumer Access to the CAMVAP Program... 4 Program Governance...4
More informationFORM F1 REPORT OF EXEMPT DISTRIBUTION
FORM 45-106F1 REPORT OF EXEMPT DISTRIBUTION This is the form required under section 6.1 of National Instrument 45-106 for a report of exempt distribution. Issuer information Item 1: State the full name
More informationWhy Should I Buy E&O Insurance from Senior Market Sales, Inc.?
Why Should I Buy E&O Insurance from Senior Market Sales, Inc.? EXCELLENT COVERAGE! Four Coverage Options Available Reduced Deductible for Products sold through Senior Market Sales, Inc. GREAT PRICE! Rates
More informationLETTER OF TRANSMITTAL WITH RESPECT TO THE COMMON SHARES OF YELLOWHEAD MINING INC.
THIS LETTER OF TRANSMITTAL IS FOR USE ONLY IN CONJUNCTION WITH THE PLAN OF ARRANGEMENT INVOLVING YELLOWHEAD MINING INC. ( YELLOWHEAD ) AND TASEKO MINES LIMITED ( TASEKO ). YOU ARE STRONGLY ENCOURAGED TO
More informationSHAREHOLDER DIVIDEND REINVESTMENT PLAN (DRIP)
SHAREHOLDER DIVIDEND REINVESTMENT PLAN (DRIP) September 22, 2014, as amended on August 9, 2018 SIENNA SENIOR LIVING INC. SHAREHOLDER DIVIDEND REINVESTMENT PLAN 1. INTRODUCTION This shareholder dividend
More informationMEDICAL FACILITIES CORPORATION DIVIDEND REINVESTMENT AND SHARE PURCHASE PLAN
MEDICAL FACILITIES CORPORATION DIVIDEND REINVESTMENT AND SHARE PURCHASE PLAN 1. INTRODUCTION This dividend reinvestment and share purchase plan (the Plan ) is being offered to holders ( Shareholders )
More informationOFFERING MEMORANDUM [Legal Name of Company] (the Company )
OFFERING MEMORANDUM [Legal Name of Company] (the Company ) This Offering Memorandum constitutes a private offering of these securities only in those jurisdictions and to those persons where and to whom
More informationQUESTIONS AND ANSWERS
The Policy provides insurance to the "Named Certificate Holder" shown in Item 1. of the "Certificate of Insurance" subject to the "Master Policy" Declarations issued to the "Named Insured". Unless otherwise
More informationCANADIAN LIFE AND HEALTH INSURANCE OMBUDSERVICE ANNUAL REPORT
CANADIAN LIFE AND HEALTH INSURANCE OMBUDSERVICE 2002-2003 ANNUAL REPORT The Canadian Life and Health Insurance OmbudService (CLHIO) The Canadian Life and Health Insurance OmbudService (CLHIO) is an independent
More informationPROFESSIONAL LIABILITY INSURANCE IN MINUTES!!
PROFESSIONAL LIABILITY INSURANCE IN MINUTES!! Group Sponsored Errors & Omissions Program Designed Exclusively for Agents Affiliated with Senior Market Sales Enroll Today at: www.calsurance.com/sms123 It
More informationCONTEST RULES. SAFEWAY CUSTOMER ENGAGEMENT SURVEY CONTEST SPRING 2018 (the Contest )
CONTEST RULES SAFEWAY CUSTOMER ENGAGEMENT SURVEY CONTEST SPRING 2018 (the Contest ) 1. Eligibility The Contest is open only to legal residents of Alberta, British Columbia, Manitoba, Ontario and Saskatchewan
More informationUnofficial consolidation April 1, 2017 FORM F1. Insider Profile
Unofficial consolidation April 1, 2017 FORM 55-102F1 Insider Profile An insider profile filed in SEDI format shall contain the information prescribed below. The information shall be entered using the online
More informationEXHIBIT 1 ACCREDITED INVESTOR CERTIFICATE ACCREDITED INVESTORS. HARBOUREDGE MORTGAGE INVESTMENT CORPORATION (the Company )
EXHIBIT 1 ACCREDITED INVESTOR CERTIFICATE ACCREDITED INVESTORS TO: RE: HARBOUREDGE MORTGAGE INVESTMENT CORPORATION (the Company ) PURCHASE OF CLASS A PREFERRED SHARES OF THE ISSUER (the Securities ) The
More informationSAMPLE. is equal to the Death Benefit less the Account Value of your policy.
DEFINITIONS The following are definitions of some of the terms used in your EquiLife policy. If you need additional information or clarification please call one of our Individual Customer Service Representatives
More information