Alberta Superintendent of Insurance Annual Report. Business

Transcription

1 Alberta Superintendent of Insurance Annual Report Business 2007

2 LETTER OF TRANSMITTAL TO MINISTER FROM SUPERINTENDENT OF INSURANCE The Honourable Iris Evans Minister of Finance and Enterprise 208 Legislature Building Edmonton, Alberta Dear Honourable Iris Evans: Pursuant to section 799 (2) of the Insurance Act, I am pleased to send you the 95th Annual Report of the Superintendent of Insurance, which shows the insurance business transacted in Alberta for the year ended December 31, The Annual Report includes: (a) (b) (c) a summary of insurance companies licensed under the Insurance Act; summaries of premiums written and claims incurred; and detailed financial statements of provincial companies. Yours truly, original signed by Dennis Gartner Superintendent of Insurance cc: Mr. Robert Bhatia Deputy Minister, Finance and Enterprise i

3 SUMMARY OF INSURANCE BUSINESS IN ALBERTA Alberta Insurance Statistics Business of 2007 Premiums Written Life $ 1,800,799 General $ 7,512,524 Total and Disbursements Life $ 1,575,606 General $ 4,271,336 Total Amount of Life Insurance in Force $ 367,547,699 Insurers Licensed in Alberta Life Insurers 81 Fraternal Benefit Societies 14 Reciprocal Insurance Exchanges 19 Alberta Incorporated Insurers 9 Property and Casualty Insurers 160 INSURERS LICENSED IN ALBERTA 283 ii

4 TABLE OF CONTENTS Page LETTER OF TRANSMITTAL TO MINISTER FROM SUPERINTENDENT OF INSURANCE SUMMARY OF INSURANCE BUSINESS IN ALBERTA i ii TABLE OF CONTENTS SUMMARY OF LICENCES ISSUED UNDER THE INSURANCE ACT STATISTICAL REVIEW OF INSURANCE BUSINESS IN ALBERTA Comparative Analysis of Life Insurance in Force Individual and Group Premiums Written and Disbursements (Graph) Premiums Written and Disbursements (Graph) Comparative Summary of Premiums Written and Including Dividends Comparative Summary of Premiums Written and by Class of Insurance LIST OF INSURANCE COMPANIES LICENSED IN ALBERTA ANNUAL STATEMENT OF PROVINCIAL COMPANIES Alberta Motor Association Insurance Company First Canadian Insurance Corporation Fortress Insurance Corporation Innovative Insurance Corporation Mennonite Mutual Insurance Co. (Alberta) Ltd Millennium Insurance Corporation Peace Hills General Insurance Company Trans Global Insurance Company Trans Global Life Insurance Company ABSTRACT OF RETURNS Life Insurance Direct Premiums Written Life Insurance Direct Annuities and Dividends Life Insurance Exhibit of Certificates Fraternal Societies Direct Premium (Including Dues) and Direct Incurred Fraternal Societies Exhibit of Certificates Automobile and Property Insurance Accident and Sickness Insurance Liability and Fidelity Insurance Surety and Boiler & Machinery Insurance Aircraft and Marine Insurance Hail and Title Insurance Mortgage and Credit Insurance Legal Expense Insurance

5 SUMMARY OF LICENCES ISSUED UNDER THE INSURANCE ACT Insurers Licensed in 2007 (a) There were 28 3 insurance companies and exchanges licensed at December 31, Provincial Companies ExtraProvincial Companies Canadian Authorized Companies Fraternal Societies Reciprocal Exchanges b) The following five insurance companies and exchanges became licensed in Alberta during Associated Electric and Gas Insurance Services Limited Berkley Insurance Company FedGas Insurance Reciprocal Exchange PMI Mortgage Insurance Company Canada Triad Guaranty Corporation Canada (c) The following fifteen insurance companies withdrew from Alberta during Avemco Insurance AXA Corporate Solutions Assurance Canadian Professional Sales Association Coronation Insurance Company Fidelity Investments Life Insurance Company Heritage General Insurance Company Liberty Mutual Fire Insurance Company Metlife Insurance Company of Connecticut Progressive Casualty Insurance Company Providence Washington Insurance Company Provident Life and Accident Insurance Company Revios Reinsurance Company of Canada Ltd. State Farm Life Insurance Company Transatlantic Reinsurance Company Western Agricultural Insurance Corporation (d) The following three insurance companies changed their name during Former Name Current Name Euler American Credit Indemnity Company to Euler Hermes American Credit Indemnity Company IndustrialAlliance Pacific Life Insurance Corporation to Industrial Alliance Pacific Insurance and Financial Services Inc. St. Paul Guarantee Insurance Company to Travelers Guarantee Company of Canada (e) Application for Alberta Licence during Mercantile Life Insurance Company was incorporated as a provincial insurer under the Insurance Act. However, this company has not applied for a licence to transact insurance. 2

6 SUMMARY OF LICENCES ISSUED UNDER THE INSURANCE ACT Summary of Business For the year 2007, the total insurance premiums paid to insurers was, nine billion, six hundred thirteen million three hundred nine thousand dollars ($9,613,309,000) compared to the 2006 figure of eight billion, eight hundred sixty million, four hundred thirty four thousand ($8,860,434,000). Insurance Councils In 2007, the Alberta Insurance Council issued 32,635* Certificates. These included 28,419* Certificates of Authority to insurance agents and adjusters and 4,216 Corporate Certificates of Authority. A total of 523 complaint files were opened and a total of 58 disciplinary actions were taken. Decisions of the Insurance Councils were appealable to the Insurance Councils Appeal Board. A total of ten appeals were heard. Of these appeals, three were allowed, one was varied, two appeals are pending, two appeals were abandoned, and two were dismissed. The Appeal that was varied by the Appeal Panel produced the following result: In the first instance the Council had found the agent firm guilty of an offense under the Insurance Act and had ordered the Certificate of Authority be suspended for a period of one month and that a civil penalty of $2, be levied against the agent. On appeal, the Appeal Panel confirmed the Councils finding of quilt; however, they varied the original decision by quashing the period of suspension. The Appeal Panel upheld the civil penalty of $2, Administrative Penalties In 2007 the Superintendent of Insurance issued twentynine administrative penalties, pursuant to section 789 of the Insurance Act and the Enforcement and Administrative Regulation. The total amount of administrative penalties levied and collected was $396,000 from the following insurance companies. The number of individual penalties is indicated in the brackets. Certas Direct Insurance Company (1) $ 5,000 The Personal Insurance Company (1) $ 5,000 Millennium Insurance Company (1) $ 5,000 Kingsway General Insurance Company (3) $30,000 State Farm Mutual Automobile Insurance Company (1) $11,000 Jevco Insurance Company (2) $14,000 First Canadian Insurance Company (1) $10,000 Cumis General Insurance Company (4) $20,000 Coseco Insurance Company (2) $10,000 Markel Insurance Company of Canada (6) $60,000 ING Insurance Company of Canada (2) $119,000 ING Novex insurance Company of Canada (1) $1,000 Manufacturers Life Insurance Company (1) $1,000 Cooperators Life Insurance Company )1) $1,000 Unifund Assurance Company (2) $94,000 Total Penalties: $396,000 *Revision Jan 6,

7 STATISTICAL REVIEW OF INSURANCE BUSINESS IN ALBERTA Comparative Analysis of Life Insurance in Force (Excluding Fraternal Societies) Alberta Business Only 2007 Amount of Insurance in Force ($ 000) INDIVIDUAL Amount of Premiums Collected ($ 000) Average Annual Premium Per $1,000 Insurance in Force Amount of Insurance in $1,000 Insurance in Force GROUP Amount of Premiums Collected ($ 000) Average Annual Premium Per $1,000 Insurance in Force ,328, , ,446, , ,957, , ,507, , ,415, , ,037, , ,392, , ,762, , ,254, , ,036, , ,518, , ,762, , ,987, , ,616, , ,375, , ,179, , ,293,107 1,011, ,405, , * 169,761,064 1,085, ,884, , ,335,147 1,184, ,212, , * Adjusted Note: The figures above do not include annuities 4

8 STATISTICAL REVIEW OF INSURANCE BUSINESS IN ALBERTA Premiums Written and Disbursements to Policyholders Alberta Business Only 2007 LIFE INSURANCE Amount ($ millions) Summary of Total Premiums, and Disbursements Total Premiums Total Disbursements Amount ($ millions) 1,800 1,700 1,600 1,500 1,400 1,300 1,200 1,100 1, Summary of Total Premiums 0 Life Premiums Annunity Premiums Amount ($ millions) 1, and Disbursements 0 Annuities Death Dividends 5

9 STATISTICAL REVIEW OF INSURANCE BUSINESS IN ALBERTA Direct Premiums and Alberta Business Only 2007 OTHER THAN LIFE INSURANCE Amount ($ millions) Automobile Property Accident & Sickness Liability Class of Insurance Premiums Disbursements 6

10 Superintendent of of Insurance Annual Report 2007 STATISTICAL REVIEW OF INSURANCE BUSINESS IN ALBERTA Comparative Summary of Premiums Written and Including Dividends Alberta Business Only 2007 LIFE INSURANCE * OTHER THAN LIFE Premiums and Other Direct Premiums Including Direct ($ 000) Disbursements ($ 000) Adjustment ($ 000) Ratio Expenses ($ 000) Ratio ,316,979 1,771, % 3,205,883 2,286, % ,253,102 1,499, % 3, ,331, % ,463,619 1,533, % 3,465,031 2,425, % ,466,588 1,542, % 3,710,295 2,771, % ,630,364 1,421, % 4,152,045 3,229, % ,644,212 1,322, % 4,887,821 3,217, % ,715,900 1,328, % 5,598,330 3,595, % ,857,306 1,475, % 5,875,568 3,444, % 2005** 1,960,712 1,512, % 6,186,206 4,584, % 2006** 1,947,587 1,568, % 6,918,386 3,420, % 2007** 2,117,698 1,575, % 7,512,524 4,271, % * Includes ordinary and group insurance and ordinary and group annuities ** Disbursements no longer include matured endowments and surrender values Comparative Summary of Premiums Written and by Class of Insurance OTHER THAN LIFE INSURANCE Premiums Including Adjustment Expenses Ratio Class 2007 ($'000) 2007 ($'000) Accident & Sickness 1,636, , % 52.9% 56.3% 59.5% 62.6% Aircraft 45,349 6, % 42.5% 25.2% 6.9% 21.7% Automobile 2,979,221 1,825, % 61.4% 63.1% 63.9% 66.4% Boiler & Machinery 102,522 19, % 15% 64.2% 75.4% 100.2% Credit 1, % 116.7% 350.4% 229.7%.6% Fidelity 10, % 50.8% 38.1% 32.8% 31.9% Hail 14,397 17, % 78.0% 77.2% 85.8% 64.0% Legal Expense % 47.9% Liability 740, , % 36.6% 49.7% 62.3% 44.8% Marine 16,456 19, % 13.9% 213.5% 8.4% 96.1% Mortgage 201,929 1, % 11.1% 9.1% 3.2% Property 1,697,377 1,081, % 37.4% 129.0% 51.8% 73.4% Surety 51, % 11.7% 130% 7.3% 24.8% Title 18,727 3, % 16.2% 18.1% 14.0% 22.7% 7

11 INSURANCE COMPANIES LICENSED IN ALBERTA ACA Assurance Life, Accident and Sickness To the extent authorized by its 3050 Boul St. Jean Articles of Incorporation, Constitution and bylaws TroisRivieres, QC G9A5E1 ACE INA Insurance Accident and Sickness, Aircraft, Automobile, Boiler & 2 First Canadian Place, The Exchange Tower Machinery, Fidelity, General Liability, Hail, Marine, 130 King Street West Property, Surety 12th Floor M5X 1A8 ACE INA Life Insurance 130 King Street West, 12th Floor M5X1A6, Loss of Employment Actra Fraternal Benefit Society Life, Accident and Sickness To the extent authorized by its 1000 Yonge Street Articles of Incorporation, Constitution and bylaws M4W 2K2 Aetna Life Insurance Company 1145 Nicholson Rd. Unit 2 New Market, ON L3Y9C3 Affiliated F.M. Insurance Company Suite 500, 165 Commerce Valley Drive West Thornhill, ON L3T7V8 AIG Assurance Canada 60 Yonge Street M5E 1H5 AIG Life Insurance Company of Canada 60 Yonge Street M5E1H5 AIG United Guaranty Mortgage Insurance Company Canada 123 Front St. West, Suite 909 M5J2M2 Boiler & Machinery, Fidelity, General Liability, Property, Surety Mortgage Alberta Local Authorities' Reciprocal Insurance Exchange Discontinuing To allow its existing contracts to run to 2510 Sparrow Drive maturity, to collect premiums and pay claims but not to Nisku, AB undertake or renew contracts of insurance in the Province of T9E8N5 Alberta Alberta Motor Association Insurance Company Accident and Sickness, Automobile, Boiler & Machinery, G.A. MacDonald Avenue General Liability, Property Edmonton, AB T6J 6R7 8

12 INSURANCE COMPANIES LICENSED IN ALBERTA NAME AND ADDRESS CLASSES OF INSURANCE Alberta Municipal Insurance Exchange Saskatchewan Drive Edmonton, AB T6E4S1 Alberta Roofing Contractors Reciprocal Insurance Exchange 2380 Pegasus Road NE Calgary, AB T2E8G8 Alberta School Boards Insurance Exchange 535 Dickens Loop Edmonton, AB T6M2S1 Liability, Property Liability Fidelity, Liability, Property Allianz Global Risk US Insurance Company Accident and Sickness, Aircraft, Automobile, Boiler & 130 Adelaide Street West, Suite 1600 Machinery, Liability, Marine, Property M5H3P5 Allianz Life Insurance Company of North America Suite 700, 2005 Sheppard Avenue East Willowdale, ON M2J 5B4 Allstate Insurance Company Aircraft, Automobile, Boiler & Machinery, Fidelity, General 27 Allstate Parkway, Suite 100 Liability, Hail, Property, Surety Markham, ON L3R 5P8 Allstate Insurance Company of Canada Automobile, Boiler & Machinery, Fidelity, General Liability, 27 Allstate Parkway, Suite 100 Legal Expense, Property, Surety Markham, ON L3R 5P8 American Bankers Insurance Company of Florida Accident and Sickness, Automobile, Credit, Fidelity, 5160 Yonge Street, Northeast Tower, Suite 500 General Liability, Property North York, ON M2N7C7 American Bankers Life Assurance Company of Florida 5160 Yonge Street, Northeast Tower, Suite 500 North York, ON M2N7C7 American Health and Life Insurance Company 201 Queens Avenue LONDON, ON N6A1J1 Life American Home Assurance Company Accident and Sickness, Aircraft, Automobile, Boiler & 145 Wellington Street West, 14th Floor Machinery, Credit, Fidelity, General Liability, Marine, Property, Surety M5J 1H8 9

13 INSURANCE COMPANIES LICENSED IN ALBERTA American Income Life Insurance Company c/o McLean & Kerr Suite 2800, 130 Adelaide Street West M5H 3P5 American Road Insurance Company Unit Nicholson Road Newmarket, ON L3Y9C3 AMEX Assurance Company 36 King Street East, Suite 500 M5C1E5 Automobile, Boiler & Machinery, Credit, Property, Surety Accident and Sickness Anglo Canada General Insurance Company Discontinuing To allow its existing contracts to run to 5700 Yonge Street, Suite 1400 maturity, to collect premiums and pay claims but not to North York, ON undertake or renew contracts of insurance in the Province of M2M4K2 Alberta Arch Insurance Company Accident and Sickness, Aircraft, Boiler & Machinery, Fidelity, 95 Wellington Street, 20th Floor Hail, Legal Expense, Liability, Property, Surety M5J2N7 Ascentus Insurance Ltd. Accident and Sickness, Automobile, Legal Expense, Liability, 10 Wellington Street East Marine, Property, Surety M5E1L5 Aspen Insurance (UK) Limited Accident and Sickness, Aircraft, Automobile, Boiler & Machinery 40 King Street West Suite 2100 Fidelity, Hail, Liability, Property, Surety, Marine M5E 1L5 Asset Protection Insurance Exchange 1221, 8th Street East Saskatoon, SK S7H0S5 Assumption Mutual Life Insurance Company 770 Main Street, P.O. Box 160 Moncton, NB E1C8L1 Atradius Credit Insurance N.V. 7 Mills Street East Annex, Suite 1000 Almonte, ON KOA1AO Avemco Insurance Company Suite 401, 133 Richmond Street West M5H 2L3 Boiler & Machinery, Property Credit Accident and Sickness, Aircraft, Marine 10

14 INSURANCE COMPANIES LICENSED IN ALBERTA Aviva Insurance Company of Canada Accident and Sickness, Aircraft, Automobile, Boiler & 2206 Eglinton Avenue East Machinery, Credit, Fidelity, General Liability, Guarantee, Scarborough, ON Hail, Legal Expense, Liability, Livestock, Marine, Property, M1L4S8 Surety, Weather Aviva International Insurance Limited 1400 Blair Place, Suite 500 Ottawa, ON K1J9B8 AXA Assurance Inc University Street, Suite 700 Montreal, QC H3A2A5 Aircraft, Liability, Marine, Property AXA Corporate Solutions Assurance Accident and Sickness, Aircraft, Automobile, Boiler & 2020 University Street, Suite 700 Machinery, Credit, Fidelity, Hail, Legal Expense, Liability, Montreal, QC Marine, Property, Surety H3A2A5 AXA Equitable Life Insurance Company Suite 606 P.O. Box 1455 Town Centre Court Scarborough, ON M1P4X4 AXA Assurance Inc University Street, 7th Floor Montreal, PQ H3A 2A5 AXA Insurance (Canada) Accident and Sickness, Aircraft, Automobile, Boiler & 5700 Yonge Street, Suite 1400 Machinery, Fidelity, General Liability, Legal Expense, North York, ON Marine, Property, Surety, Loss of Employment M2M4K2 AXA Pacific Insurance Company Accident and Sickness, Aircraft, Automobile, Boiler & 999 West Hasting Street Machinery, Credit, Fidelity, General Liability, Hail, Legal Vancouver, BC Expense, Marine, Property, Surety, Loss of Employment V6C 2W2 Belair Insurance Company Inc. Accident and Sickness, Automobile, Boiler & Machinery, 7101 JeanTalon, Suite 300 Fidelity, Legal Expense, Liability, Marine, Property, Surety Montreal, QC H1M3T6 Blue Cross Life Insurance Company of Canada 644 Main Street, P.O. Box 220 Moncton, NB E1C 8L3 BMO Life Insurance Company 55 Bloor Street West, 15th Floor M4W3N5, Loss of Employment 11

15 INSURANCE COMPANIES LICENSED IN ALBERTA Boiler Inspection and Insurance Company of Canada 18 King Street East M5C 1C4 British Aviation Insurance Company Limited (The) 100 Renfrew Drive Suite 200 Markham, ON L3R 9R6 Canada Life Assurance Company (The) 330 University Avenue M5G 1R8 Canada Life Insurance Company of Canada 330 University Avenue M5G1R8 Canadian Airports Reciprocal Insurance Exchange (CARIE) PO Box 9860, Edmonton International Airport Edmonton, AB T5J2T2 Canadian Applicators Insurance Reciprocal 1002 Warsaw Avenue Winnipeg, MB R3M1E4 Canadian Direct Insurance Incorporated Suite , Cambie Street Vancouver, BC V6B0A2 Boiler & Machinery, General Liability, Property Aircraft, General Liability, Inland Transportation, Loss of Employment Boiler & Machinery, Property Aircraft, Property Accident and Sickness, Automobile, Liability, Property Canadian Farm Insurance Corp. Accident, Automobile, restricted to automobile glass, Boiler & 375, St Alberta Trail Machinery, Fidelity, Liability, Property, Surety Edmonton, AB T5L4W1 Canadian Lawyers Insurance Association 600, th Avenue S.W. Calgary, ABT2R 1P3 Liability Canadian Northern Shield Insurance Company Accident and Sickness, Automobile, Boiler & Machinery, 1900, 555 West Hastings Street Fidelity, Liability, Property, Surety Vancouver, BC V6B 4N6 Canadian Premier Life Insurance Company 80 Tiverton Court Markham, ON L3R 0G4, Loss of Employment 12

16 INSURANCE COMPANIES LICENSED IN ALBERTA Canadian Professional Sales Association Life, Accident and Sickness To the extent authorized by its 310 Front Street West, Suite 800 Articles of Incorporation, Constitution and bylaws M5V3B5 Canadian Union Insurance Company 2475, Boul Laurier Sillery, QC G1T 1C4 Canadian Universities Reciprocal Insurance Exchange 5500 North Service Road, 9th Floor Burlington, ON L7L 6W6 Canassurance Insurance Company 550 Sherbrooke Street West, Suite B9 Montreal, QC H3A3S3 Centennial Insurance Company Suite 500, 36 King Street East M5C 1E5 Certas Direct Insurance Company 6300 boulevard de la RiveSud Levis, QC G6V6P9 Chicago Title Insurance Company 2700 Argentia Road Mississauga, ON L5N5V4 Chubb Insurance Company of Canada One Financial Place, 16th Floor, 1 Adelaide Street East M5C 2V9 CIBC Life Insurance Company Limited P.O Box 3020 Mississauga, ON L5A4M2 CIGNA Life Insurance Company of Canada Suite 606 P.O. Box 14, 55 Town Centre Court Scarborough, ON M1P4X4 Cooperators General Insurance Company Priory Square Guelph, ON N1H 6P8 Aircraft Liability, Property Accident and Sickness, Liability, Property Accident and Sickness, Aircraft, Automobile, Boiler & Machinery, Fidelity, Hail, Liability, Property, Surety Automobile, Liability, Marine, Property, Surety Title Accident and Sickness, Automobile, Boiler & Machinery, Credit, Fidelity, General Liability, Marine, Property, Surety Accident and Sickness, Aircraft, Automobile, Boiler & Machinery, Fidelity, General Liability, Hail, Legal Expense, Property, Surety 13

17 INSURANCE COMPANIES LICENSED IN ALBERTA Cooperators Life Insurance Company 1920 College Avenue Regina, SK S4P 1C4 Combined Insurance Company of America 7300 Warden Avenue Markham, ON L3R 0X3 Commerce and Industry Insurance Company of Canada Accident and Sickness, Aircraft, Automobile, Boiler & 145 Wellington Street West, 14th Floor Machinery, Credit, Fidelity, General Liability, Hail, Property, Surety M5J 1H8 Commonwealth Insurance Company Aircraft, Automobile, Boiler & Machinery, Fidelity, General 1500, 595 Burrard Street Liability, Marine, Property, Surety Vancouver, BC V7X 1G4 Community Newspapers Reciprocal Insurance Exchange Suite 103, 3050 Harvester Road Burlington, ON L7N 3J1 Compagnie Francaise d'assuarance Pour le Commerce Exterieur 40 King Street West, Suite 2100 Toronto, AB M5H3C2 CompCorp Life Insurance Company Suite, 1600, 1 Queen Street East M5C 2X9 Connecticut General Life Insurance Company Suite 606, P.O. Box 14, 55 Town Centre Court Scarborough, ON M1P4X4 General Liability Credit to the extent authorized by its incorporating instrument. Continental Casualty Company Accident and Sickness, Aircraft, Automobile, Boiler & 250 Yonge Street, Suite 1500 Machinery, Credit, Fidelity, General Liability, Hail, Marine, Property, Surety M5B2L7 Coronation Insurance Company Limited Discontinuing To allow its existing contracts to run to 77 King St West, 34 th Floor, P.O. Box 284 Royal Trust Tower maturity, to collect premiums and pay claims but not to undertake or renew contracts of insurance in the Province of M5K1K2 Alberta 14

18 INSURANCE COMPANIES LICENSED IN ALBERTA Coseco Insurance Company Priory Square Guelph, ON N1H 6P8 Crown Life Insurance Company Suite 1900, 1874 Scarth Street Regina, SK S4P4B3 CT Financial Assurance Company Richmond Adelaide Centre, 120 Adelaide Street West, 2nd Floor M5H1T1 Accident and Sickness, Automobile, General Liability, Property Life Cumis General Insurance Company Accident and Sickness, Automobile, Boiler & Machinery, 151 North Service Road P.O. Box 5065 Fidelity, General Liability, Property, Surety Burlington, ON L7R 4C2 Cumis Life Insurance Company 151 North Service Road P.O. Box 5065 Burlington, ON L7R 4C2 CUNA Mutual Insurance Society Discontinuing To allow its existing contracts to run to 151 North Service Road P.O. Box 5065 maturity, to collect premiums and pay claims but not to Burlington, ON undertake or renew contracts of insurance in the Province of L7R 4C2 Alberta DaimlerChrysler Insurance Company 2425 Matheson Blvd East, Suite 300 East Tower Mississauga, ON L4W5N7 Desjardins Financial Security Life Assurance Company 200 avenues des Commandeurs Levis, QC G6V6R2 Automobile, General Liability, Property, Surety Dominion of Canada General Insurance Company (The) Aircraft, Automobile, Boiler & Machinery, Fidelity, General 165 University Avenue Liability, Property, Surety M5H 3B9 Eagle Star Insurance Company Limited Suite King Street East M5C 1E5 Accident and Sickness, Aircraft, Automobile, Boiler & Machinery, Fidelity, General Liability, Marine, Property, Surety 15

19 INSURANCE COMPANIES LICENSED IN ALBERTA Ecclesiastical Insurance Office Public Limited Company Suite 2200, Box 2004, 20 Eglinton Avenue West Automobile, Boiler & Machinery, Fidelity, General Liability, Marine, Property Echelon General Insurance Company Accident and Sickness, Automobile, Legal Expense, Liability, 1550 Enterprise Road Suite 310 Property, Surety Mississauga, ON L4W4P4 Economical Mutual Insurance Company Automobile, Boiler & Machinery, Fidelity, General Liability, 111 Westmount Road South Marine, Property, Surety Waterloo, ON N2J 4S4 Electric Insurance Company 40 King Street West, Suite 2100 M5H3C2 Elite Insurance Company 4th Floor 2206 Eglinton Avenue East Scarborough, ON M1L 4S8 Empire Life Insurance Company (The) 259 King Street East P.O. Box 1000 Kingston, ON K7L 3A8 Automobile, Liability, Property Accident and Sickness, Aircraft, Automobile, Boiler & Machinery, Employers' Liability, Fidelity, General Liability, Hail, Marine, Property, Surety Employers Insurance Company of Wausau Aircraft, Automobile, Boiler & Machinery, Fidelity, General 181 Bay Street Suite 1000 Liability, Marine, Property, Surety M5J2T3 Employers Reinsurance Corporation Suite 400 P.O. Box 166, 200 Wellington Street West M5V 3C7 Boiler & Machinery, General Liability, Property Endurance Reinsurance Corporation of America Accident and Sickness, Aircraft, Automobile, Boiler & 36 King Street East, Suite 500 Machinery, Fidelity, Liability, Property, Surety, Loss of, Employment, Limited to the business of reinsurance M5C1E5 Energy Insurance Exchange (EIR) Suite 500, 7177th Avenue SW Calgary, AB T2P0Z3 Automobile, General Liability, Property Equitable General Insurance Company (The) Discontinuing To allow its existing contracts to run to 2475 Laurier Boulevard maturity, to collect premiums and pay claims but not to Sillery, QC undertake or renew contracts of insurance in the Province of G1T 1C4 Alberta 16

20 INSURANCE COMPANIES LICENSED IN ALBERTA Equitable Life Insurance Company of Canada (The) One Westmount Road North Waterloo, ON EULER American Credit Indemnity Company CIBC Tower, Suite Rene Levesque Blvd. West Montreal, QC H3B3Z7 Credit Everest Insurance Company of Canada Aircraft, Automobile, Boiler & Machinery, Credit, Fidelity, 130 King Street West, Suite 2520, P.O. Box 431 Hail, Liability, Property, Surety M5X1E3 Factory Mutual Insurance Company Suite 500, 165 Commerce Valley Drive West Thornhill, ON L3T7V8 Boiler & Machinery, Fidelity, General Liability, Marine, Property, Surety FCT Insurance Company Ltd. Liability, Property (limited to personal property title insurance), 2235 Sheridan Garden Drive Title Oakville, ON L6J7Y5 Federal Insurance Company 1st Financial Place, One Adelaide Street East M5C 2V9 Federated Insurance Company of Canada P.O. Box 5800, 717 Portage Avenue Winnipeg, MB R3C 3C9 Accident and Sickness, Automobile, Boiler & Machinery, Fidelity, General Liability, Marine, Property, Surety Automobile, Boiler & Machinery, Fidelity, General Liability, Property, Surety Federation Insurance Company of Canada Automobile, Boiler & Machinery, Fidelity, General Liability, 1000, De La Gauchetiere Street W. Suite 500 Legal Expense, Marine, Property, Surety Montreal, QC H3B 4W5 FedGas Insurance Reciprocal Exchange Automobile Physical Damage, Boiler & Machinery, Fidelity, General #201, 115 Portage Close Liability, Property Sherwood Park, AB T8H2R5 Fenchurch General Insurance Company Promotory 2, 2655 North Sheridan Way Unit 115 MISSISSAUGA, ON L5K2P8 Fidelity Investment Life Insurance Company 483 Bay Street, Suite 200 M5G2N7 Automobile, Boiler & Machinery, Fidelity, Liability, Property, Surety, Vehicle Warranty Life 17

21 INSURANCE COMPANIES LICENSED IN ALBERTA Fidelity Investments Insurance Company of Canada 483 Bay Street Suite 200 M5G2N7 First American Title Insurance Company 2235 Sheridan Garden Drive Oakville, ON L6J7Y5 First Canadian Insurance Corporation Avenue Edmonton, AB T6E 2B1 First North American Insurance Company 2 Queen Street East, 6th Floor M2C3G7 Forethought Life Insurance Company Suite 2100 Scotia Plaza, 40 King Street West M5H3C2 Fortress Insurance Company Suite 2505 Toronto Dominion Tower, Avenue Edmonton, AB T5J2Z1 GCAN Insurance Company Suite University Avenue M5G 1V6 General American Life Insurance Company Suite 1000, 1225 Peel Street Montreal, QC H3B2T9 Genesis Reciprocal Insurance Exchange 900, A Avenue Edmonton, AB T5J0Y2 Genworth Financial Mortgage Insurance Company Canada 2060 Winston Park Drive, Suite 300 Oakville, ON L6H5R7 Gerber Life Insurance Company 1145 Nicholson Road, Unit # 2 New Market, ON L3Y9C3 Life Property limited to personal property title insurance, Title Accident and Sickness, Automobile, Property Life Automobile Aircraft, Automobile, Boiler & Machinery, Credit, Employers' Liability, Explosion, Fire, Guarantee, Inland Marine, Inland Transportation, Livestock, Marine, Plate Glass, Property, Property Damage, Public Liability, Sprinkler Leakage, Surety, Theft, Weather, Workers' Liability, Property Mortgage Life 18

22 INSURANCE COMPANIES LICENSED IN ALBERTA GMS Insurance Inc. #200, 3303 Hillsdate Street Regina, SK S4S7J8 Accident and Sickness, Property, Theft, Weather Gore Mutual Insurance Company Accident and Sickness, Aircraft, Automobile, Boiler & 252 Dundas Street Machinery, Credit, Explosion, Fire, Forgery, Guarantee, Cambridge, ON Hail, Inland Transportation, Livestock, Plate Glass, N1R 5T3 Property, Sprinkler Leakage, Theft, Weather, Workers' Grain Insurance and Guarantee Company Richardson Building, 1240 One Lombard Place Winnipeg, MB R3B 0V9 Automobile, Boiler & Machinery, Fidelity, General Liability, Property, Surety Grand Orange Lodge of British America Benefit Fund (The) Life To the extent authorized by its Articles of Incorporation, 94 Sheppard Avenue West Constitution and bylaws Willowdale, ON M2N 1M5 Great American Insurance Company Suite 2100, Scotia Plaza, 40 King Street M5H 3C2 Aircraft, Automobile, Boiler & Machinery, Fidelity, General Liability, Hail, Marine, Property, Surety Great American Insurance Company of New York Automobile, Boiler & Machinery excluding Machinery, Hail, 2100 Scotia Plaza, 40 King Street Liability, Property M5H 3C2 GreatWest Life Assurance Company (The) 100 Osborne Street, North Winnipeg, MB R3C 3A5 Green Shield Canada 5001 Yonge Street, Suite 1600 North York, ON M2N 6P5 Accident and Sickness Guarantee Company of North America (The) Accident and Sickness, Automobile, Credit, Fidelity, Liability, 4950 Yonge Street, Madison Centre Suite 1400 Property, Surety M2N6K1 Hartford Fire Insurance Company P.O. Box 600, 36 York Mills Road, Suite 504 M2P2E9 Hartford Life Insurance Company 4 King Street West, Suite 1103 M5H1B6 Accident and Sickness, Aircraft, Automobile, Boiler & Machinery, Fidelity, Hail, Liability, Marine, Property, Surety 19

23 INSURANCE COMPANIES LICENSED IN ALBERTA Healthcare Insurance Reciprocal of Canada Suite 1600, 4711 Yonge Street North York, ON M2N6K8 Heritage General Insurance Company 5th Floor, 401 Bay Street M5H 2Y4 Household Life Insurance Company 3381 Steeles Avenue East, Suite 300 M2H3S7 Independent Order of Foresters (The) 15th Floor, 789 Don Mills Road M3C 1T9 Industrial Alliance Insurance and Financial Services Inc. 1080, Chemin St. Louis C.P. 1907, Succursale Terminus Sillery, QC G1K 7M3 IndustrialAlliance Pacific General Insurance Corporation 2165 Broadway West, PO Box 5900 Vancouver, BC V6B5H6 IndustrialAlliance Pacific Life Insurance Company 2165 Broadway West Vancouver, BC V6K4N5 Fidelity, Legal Expense, Liability, Property Accident and Sickness Life, Accident and Sickness To the extent authorized by its Articles of Incorporation, Constitution and bylaws Accident and Sickness, Boiler & Machinery, Property, Surety, Loss of Employment ING Insurance Company of Canada Accident and Sickness, Aircraft, Automobile, Boiler & 700 University Avenue, Suite 1500A Machinery, Credit, Fidelity, Hail, Legal Expense, Liability, Marine, Property, Surety, Loss of Employment M5G0A1 ING Novex Insurance Company of Canada Accident and Sickness, Automobile, Boiler & Machinery, 700 University Avenues, Suite 1500A Credit, Fidelity, General Liability, Legal Expense, Marine, Property, Surety M5G0A1 Innovative Insurance Corporation Automobile limited to comprehensive coverage on automobile 200, Avenue window glass, Boiler & Machinery, Property Edmonton, AB T5S2H5 Jevco Insurance Company Suite Decarie Blvd Montreal, QC H3X2H9 Automobile, General Liability, Property, Surety 20

24 INSURANCE COMPANIES LICENSED IN ALBERTA Jewelers Mutual Insurance Company 40 King Street West, Suite 2100 M5H3C2 John Hancock Life Insurance Company Suite 2800, 130 Adelaide Street West M5H 3P5 Jubilee Reciprocal Insurance Exchange 900 Floor Merrill Lynch Tower A Avenue Edmonton, AB T5J 0Y2 Boiler & Machinery, Fidelity, Liability, Property limited to servicing policies issued prior to December 31, 1995 with exception of business arising from conversion of group policies to individual policies, policies issued jointly with The Maritime Life Assurance Property Kingsway General Insurance Company Automobile, Boiler & Machinery, Fidelity, Liability, Marine, 200, 5310 Explorer Drive Property, Surety Mississauga, ON L4W 5H8 Knights of Columbus Life, Accident and Sickness To the extent authorized by its 25 Campbell Street Articles of Incorporation, Constitution and bylaws Belleville, ON K8N1S6 L'Entraide Assurance Mutual Company 520 Charest Blvd. East, PO Box 2324 Quebec City, QC G1K7P5 La Capitale Insurance and Financial Services Inc. 625 rue StAmable, QC G1R2G5 Lawyers Title Insurance Corporation 90 Mulcaster Street Barrie, ON L4M4Y5 Lawyers' Professional Indemnity Company 1 Dundas Street West, Suite 2200 M5G1Z3 Legacy General Insurance Company 80 Tiverton Court Markham, ON L3R OG4 Liberty Life Assurance Company of Boston 181 Bay Street Suite 1000 M5J2T3 Title Liability, Title Accident and Sickness, Property, Loss of Employment 21

25 INSURANCE COMPANIES LICENSED IN ALBERTA Liberty Mutual Fire Insurance Company Suite 1000, 181 Bay Street, M5J 2T3 Accident and Sickness, Aircraft, Automobile, Boiler & Machinery, Fidelity, General Liability, Marine, Property, Surety limited to servicing of existing policies, except for automobile insurance. Liberty Mutual Insurance Company Accident and Sickness, Aircraft, Automobile, Boiler & 181 Bay Street, Suite 1000 Machinery, Fidelity, General Liability, Marine, Property, Surety M5J2T3 Life Insurance Company of North America Suite 606, P.O. Box 14, 55 Town Centre Court Scarborough, ON M1P4X4 Life Investors Insurance Company of America c/o John Milnes & Associates, 1300 Bay Street 4th Floor M5R3K8 Lloyd's Underwriters Suite 1540, 1155 rue Metcalfe Montreal, QC H3B 2V6 Accident and Sickness, Aircraft, Automobile, Boiler & Machinery, Credit, Fidelity, General Liability, Hail, Legal Expense, Marine, Property, Surety Lombard General Insurance Company of Canada Accident, Aircraft, Automobile, Boiler & Machinery, Credit, 105 Adelaide Street West Fidelity, Hail, Liability, Marine, Property, Surety M5H 1P9 Lombard Insurance Company Accident and Sickness, Aircraft, Automobile, Boiler & 105 Adelaide Street West Machinery, Credit, Fidelity, Hail, Liability, Marine, Property, Surety M5H 1P9 London and Midland General Insurance Company Accident and Sickness, Automobile, Boiler & Machinery, 201 Queens Avenue Fidelity, Legal Expense, Liability, Property, Surety, Loss London, ON of Employment N6A 1J1 London Life Insurance Company 255 Dufferin Avenue London, ON N6A 4K1 Lumbermen's Underwriting Alliance Suite # 300, 455 Fenelon Boulevard Dorval, QC H9S5T8 Lumbermens Mutual Casualty Company Suite 500, 7039 Woodwine Avenue Markham, ON L3R6G2 Boiler & Machinery, Inland Marine, Marine, Property Discontinuing To allow its existing contracts to run to maturity, to collect premiums and pay claims but not to undertake or renew contracts of insurance in the Province of Alberta 22

26 INSURANCE COMPANIES LICENSED IN ALBERTA Lutheran Life Insurance Society of Canada Life, Accident and Sickness To the extent authorized by its 470 Weber Street North Articles of Incorporation, Constitution and bylaws Waterloo, ON N2J 4G4 Manufacturers Life Insurance Company (The) 200 Bloor Street East M4W1E5 Manulife Canada Ltd. 500 King Street North Waterloo, ON N2J4C6 Markel Insurance Company of Canada Aircraft, Automobile, Boiler & Machinery, Fidelity, General 55 University Avenue, 15th Floor Liability, Hail, Marine, Property, Surety M5J2H7 Massachusetts Mutual Life Insurance Company Suite 2800, 130 Adelaide Street West M5H 3P5 MAX Canada Insurance Company 140 Foundry Street Baden, ON N3A2P7 MD Life Insurance Company 1870 Alta Vista Drive Ottawa, ON K1G6R7 Mennonite Mutual Insurance Co. (Alberta) Ltd. #300, nd Street NE Calgary, AB T1Y6J7 Boiler & Machinery, Fidelity, Liability, Marine, Property Life Automobile, Fidelity, General Liability, Property MetLife Insurance Company of Connecticut Discontinuing To allow its existing contracts to run to 1145 Nicholson Road, Unit 2 maturity, to collect premiums and pay claims but not to Newmarket, ON undertake or renew contracts of insurance in the Province of L3Y9C3 Alberta Metropolitan Life Insurance Company Suite 1750, 360 Albert Street Ottawa, ON K1R7X7 Millennium Insurance Corporation Automobile, Guarantee insurance limited to liability under Avenue warranties issued on automobile protection products, Liability, Edmonton, AB Property, Vehicle Warranty T6E2B1 23

27 INSURANCE COMPANIES LICENSED IN ALBERTA Minnesota Life Insurance Company Suite 2800, 130 Adelaide Street West M5H 3P5 Missisquoi Insurance Company (The) 50 rue Principale Frelighsburg, QC JOJ 1CO Life Automobile, Property Mitsui Sumitomo Insurance Company, Limited Accident and Sickness, Aircraft, Automobile, Boiler & 1 Adelaide Street, East, 24th Floor Machinery, Fidelity, General Liability, Liability, Marine, Property, Surety M5C2V9 Mortgage Insurance Company of Canada (The) Suite 400, 100 Yonge Street M5H 1H1 Motors Insurance Corporation Suite 400, 8500 Leslie Street P.O. Box 6000 Thornhill, ON L4B4S2 Munich Reinsurance America Inc. Munich Re Centre, 390 Bay St 22nd Floor M5H2Y2 National Bank Life Insurance Company 600 de La Gauchetiere West, 4th Floor Montreal, QC H3B 4L2 National Liability & Fire Insurance Company 3650 Victoria Park Avenue, Suite 201 M2H3P7 National Life Assurance Company of Canada (The) 522 University Avenue M5G1Y7 New York Life Insurance Company Suite 2100 Scotia Plaza, 40 King Street West M5H 3C2 Fidelity, Mortgage, Surety Automobile, Boiler & Machinery, Fidelity, General Liability, Property, Surety Accident and Sickness, Aircraft, Automobile, Boiler & Machinery, Credit, Fidelity, Hail, Liability, Marine, Property, Surety Aircraft, Liability Nipponkoa Insurance Company, Limited Aircraft, Automobile, Boiler & Machinery, Fidelity, General 121 King Street West, Suite 1200 Box 93 Liability, Inland Marine, Marine, Property, Surety M5H3T9 24

28 INSURANCE COMPANIES LICENSED IN ALBERTA Nordic Insurance Company of Canada (The) Accident and Sickness, Aircraft, Automobile, Boiler & 700 University Avenue, Suite 1500A Machinery, Credit, Employers' Liability, Fidelity, General Liability, Guarantee, Legal Expense, Marine, Property, M5G0A1 Surety North American Specialty Insurance Company Aircraft, Boiler & Machinery, Credit, Fidelity, Hail, Liability, 150 King Street West, Suite 2200 Property, Surety M5H1J9 North Waterloo Farmers Mutual Insurance Company Automobile, Boiler & Machinery, Fidelity, Hail, Liability, 100 Erb Street East Property Waterloo, ON N2J 1L9 North West Commercial Travellers Life To the extent authorized by its Articles of Incorporation, 28 Queen Elizabeth Way Constitution and bylaws Winnipeg, MB R3C 2H6 Old Republic Insurance Company of Canada Box 557, 100 King Street West Hamilton, ON L8N 3K9 Aircraft, Automobile, General Liability, Property, Vehicle Warranty Omega General Insurance Company Accident and Sickness, Aircraft, Automobile, Boiler & 36 King Street East Machinery, Credit, Fidelity, Hail, Legal Expense, Liability, Property, Surety, Loss of Employment M5C1E5 Optimum West Insurance Company Suite 800, 1055 West Georgia Street, P.O. Box Vancouver, BC V6E3P3 Automobile, Boiler & Machinery, Fidelity, General Liability, Guarantee, Inland Marine, Marine, Property, Surety Order of United Commercial Travelers of America (The) Life, Accident and Sickness To the extent authorized by its 901 Centre Street NW, Room 300 Articles of Incorporation, Constitution and bylaws Calgary, AB T2E 2P6 Pafco Insurance Company 27 Allstate Parkway, Suite 100 Markham, ON L3R5P8 Palliser Insurance Company Limited 103, 3502 Taylor Street East Saskatoon, SK S7H 5H9 PBC Health Benefits Society PO Box 7000 Vancouver, BC V6B4E1 Automobile, Property Hail Accident and Sickness 25

29 INSURANCE COMPANIES LICENSED IN ALBERTA Peace Hills General Insurance Company 3rd Floor, Jasper Avenue Edmonton, AB T5J3N3 Pembridge Insurance Company 27 Allstate Parkway, Allstate Centre, Suite 100 Markham, ON L3R5P8 Penncorp Life Insurance Company 55 Superior Blvd. Mississauga, ON L5T2X9 Pennsylvania Life Insurance Company 55 Superior Blvd. Mississauga, ON L5T2X9 Perth Insurance Company 111 Westmount Road South, P.O. Box 2000 Waterloo, ON N2J 4S4 Pilot Insurance Company 90 Eglinton Avenue West, 3rd Floor M4P 1E6 PMI Mortgage Insurance Company of Canada First Canadian Place Suite 2610 PO Box 456, 100 King St. East M5X 1E4 Pool Insurance Company 1301, 220 Portage Avenue Winnipeg, MB R3C 0A5 Portage La Prairie Mutual Insurance Company (The) 749 Saskatchewan Avenue East, P.O. Box 340 Portage La Prairie, MB R1N 3B8 Primerica Life Insurance Company of Canada 2000 Argentia Road Mississauga, ON L4T4C2 Accident and Sickness, Aircraft, Automobile, Boiler & Machinery, Credit, Fidelity, General Liability, Marine, Mortgage, Property, Surety, Title Automobile, Property Automobile, General Liability, Property Fidelity, Surety Mortgage Property Automobile, Legal Expense, Liability, Property Primmum Insurance Company Automobile, Boiler & Machinery, General Liability, Legal 2161 Yonge Street, 4th Floor Expense, Property M4S3A6 26

30 INSURANCE COMPANIES LICENSED IN ALBERTA Principal Life Insurance Company c/o John Milnes & Assoc., 1300 Bay Street 4th Floor M5H3K8 Progressive Casualty Insurance Company 5650 Younger Street, Suite #28 M2M4G3 Protective Insurance Company c/o John Milnes & Associates 4th floor 1300 Bay Street M5R3K8 Automobile, General Liability, Inland Marine, Property Automobile, Liability, Property Providence Washington Insurance Company Discontinuing To allow its existing contracts to run to 1145 Nicholson Rd. Unit # 2 maturity, to collect premiums and pay claims but not to Newmarket, ON undertake or renew contracts of insurance in the Province of L3Y9C3 Alberta Provident Life and Accident Insurance Company Suite 202, 1451 Royal York Road M9P3B2 Provincial Health Authorities of Alberta Liability and Property Insurance Plan 900, Street Edmonton, AB T5J3S7 Prudential Insurance Company of America (The) 300 Consilium Place, Suite 1200 M1H3G2 Rain and Hail Insurance Corporation Suite 200, 4303 Albert Street Regina, SK S4S3R6 RBC General Insurance Company 6880 Financial Drive, West Tower Mississauga, ON L5N7Y5 RBC Life Insurance Company 6880 Financial Drive West Tower Mississauga, ON L5N7Y5 RBC Insurance Company of Canada 9th Floor West Tower, 6880 Financial Drive Mississauga, ON L5N7Y5 Liability, Property Hail Accident and Sickness, Automobile, Liability, Property Accident and Sickness, Property 27

31 INSURANCE COMPANIES LICENSED IN ALBERTA Real Estate Insurance Exchange 330, th Street SW Calgary, AB T2S 2T4 Liability Reassure America Life Insurance Company Discontinuing To allow its existing contracts to run to 150 King Street West, Suite 1000 maturity, to collect premiums and pay claims but not to undertake or renew contracts of insurance in the Province of M5H1J9 Alberta Reliable Life Insurance Company 100 King Street West, Box 557 Hamilton, ON L8N 3K9 Revios Reinsurance Canada Ltd. 1400, 175 Bloor St. East North Tower PO Box 30 M4W 3R8 Royal & Sun Alliance Insurance Company of Canada Accident and Sickness, Aircraft, Automobile, Boiler & 10 Wellington Street East Machinery, Fidelity, General Liability, Hail, Legal Expense, Marine, Property, Surety M5E 1L5 Saskatchewan Mutual Insurance Company 279 3rd Avenue North Saskatoon, SK S7K 2H8 Scotia General Insurance Company 100 Yonge Street, 4th Floor M5H1H1 Scotia Life Insurance Company 100 Yonge Street, 4th Floor M5H1H1 Automobile, Boiler & Machinery, Fidelity, Liability, Property Accident and Sickness, Legal Expense Scottish & York Insurance Co. Limited Automobile, Boiler & Machinery, Fidelity, General Liability, 2206 Eglinton Avenue East Legal Expense, Property, Surety Scarborough, ON M1L 4S8 SecuriCan General Insurance Company 777 Portage Avenue Winnipeg, MB R3G0N3 Security Insurance Company of Hartford Unit 2, 1145 Nicholson Road Newmarket, ON L3Y9C3 Liability, Property Accident and Sickness, Automobile, General Liability, Marine, Property 28

32 INSURANCE COMPANIES LICENSED IN ALBERTA Security National Insurance Company 12th Floor, 50 Place Cremazie Montreal, QC H2P 1B6 Sentry Insurance A Mutual Company Suite 2100 Scotia Tower, 40 King Street West M5H3C2 Accident and Sickness, Automobile, General Liability, Property Aircraft, Automobile, Boiler & Machinery, Fidelity, General Liability, Property, Surety SGI CANADA Insurance Services Ltd. Automobile, Boiler & Machinery, Fidelity, Liability, Property, th Avenue Surety Regina, SK S4P0J9 Sompo Japan Insurance Inc. Automobile, Boiler & Machinery, Fidelity, Liability, Property, 2 First Canadian Place, 12th Floor Surety M5X 1A6 Sons of Scotland Benevolent Association Suite 202, 40 Eglinton Avenue East M4P3A2 Disability, Life To the extent authorized by its Articles of Incorporation, Constitution and bylaws Sovereign General Insurance Company (The) Accident and Sickness, Aircraft, Automobile, Boiler & 500 Sovereign Centre, 6700 Macleod Trail SE Machinery, Credit, Fidelity, General Liability, Property, Calgary, AB Surety T2H0L3 SSQ Life Insurance Company Inc Boulevard Laurier SainteFoy, QC G1V4H6 St. Paul Fire and Marine Insurance Company P.O. Box 93, Suite 1200, 121 King Street West M5H3T9 Accident and Sickness, Aircraft, Automobile, Boiler & Machinery, Fidelity, General Liability, Marine, Property, Surety St. Paul Guarantee Insurance Company Accident and Sickness, Aircraft, Automobile, Boiler & 77 King St West, 34th Floor, Royal Trust Tower Machinery, Credit, Fidelity, General Liability, Hail, Legal PO Box 284 Expense, Marine, Property, Surety, Title M5K1K2 Standard Life Assurance Company 2005 (The) Room , Sherbrooke Street West Montreal, QC H3G 1G3 Standard Life Assurance Company of Canada (The) Room , Sherbrooke Street West Montreal, QC H3G 1G3 Life 29

33 INSURANCE COMPANIES LICENSED IN ALBERTA Standard Life Assurance Limited 1245 Sherbrooke, Street, West, Suite 200 Montreal, QC H3G1G3 Life State Farm Fire and Casualty Company (The) Aircraft, Automobile, Boiler & Machinery, Fidelity, General 333 First Commerce Drive Liability, Property, Surety Aurora, ON L4G8A4 State Farm Life Insurance Company (The) 333 First Commerce Drive Aurora, ON L4G8A4 State Farm Mutual Automobile Insurance Company 333 First Commerce Drive Aurora, ON L4G8A4 Stewart Title Guaranty Company Royal Bank Plaza, North Tower, 200 Bay Street Suite 2200 M5J2J2 Stonebridge Life Insurance Company 80 Tiverton Court Markham, ON L3R 0G4 Sun Life Assurance Company of Canada 150 King Street, 7th Floor M5H 1J9 T.H.E. Insurance Company 1010, 48 Yonge Street M5E1G6 TD General Insurance Company 12th Floor, 50 Place Cremazie Montreal, QC H2P 1B6 TD Home and Auto Insurance Company 4th Floor, 2161 Yonge Street M4S3A6 TD Life Insurance Company Richmond Adelaide Centre 120 Adelaide Street West, 2nd Floor M5H1T1 Life Accident, Automobile Title, Loss of Employment Automobile, Liability, Property Aircraft, Automobile, Boiler & Machinery, Fidelity, Liability, Property, Surety Automobile, General Liability, Property 30

34 INSURANCE COMPANIES LICENSED IN ALBERTA Temple Insurance Company 22nd Floor, 390 Bay Street M5H2Y2 Accident and Sickness, Aircraft, Automobile, Boiler & Machinery, Credit, Fidelity, Hail, Liability, Property, Surety The Personal Insurance Company Aircraft, Automobile, Boiler & Machinery, Fidelity, General 6300 boulevard de la RiveSud Liability, Legal Expense, Property, Surety Levis, QC G6V6P9 TIG Insurance Company P.O.Box 5800 Winnipeg, MB R3C3C9 Accident and Sickness, Automobile, Boiler & Machinery, Fidelity, Liability, Property, Surety Tokio Marine & Nichido Fire Insurance Co. Aircraft, Automobile, Boiler & Machinery, Fidelity, General 105 Adelaide Street West, 3rd Floor Liability, Marine, Property, Surety M5H 1P9 Traders General Insurance Company Accident and Sickness, Aircraft, Automobile, Boiler & 2206 Eglinton Avenue East Machinery, Credit, Fidelity, General Liability, Hail, Legal Scarborough, ON Expense, Marine, Property, Surety M1L 4S8 Trafalgar Insurance Company of Canada Accident and Sickness, Automobile, Boiler & Machinery, 700 University Avenue, Suite 1500A General Liability, Marine, Property M5G0A1 Trans Global Insurance Company Suite 275, th Avenue Edmonton, AB T5M3S2 Trans Global Life Insurance Company Suite 275, th Avenue Edmonton, AB T5M3S2 Transamerica Life Canada 5000 Yonge Street M2N7J8 Accident and Sickness, Boiler & Machinery, General Liability, Inland Marine, Marine, Property Transatlantic Reinsurance Company Accident and Sickness, Aircraft, Automobile, Boiler & 145 Wellington Street West Machinery, Fidelity, General Liability, Hail, Marine, Property, Surety M5J 1H8 Triad Guaranty Insurance Corporation Canada 20 Queen Street West Suite 1000 M5H3R3 Mortgage 31