Superintendent of Insurance Bulletins, Notices and Enforcement Activities

This page contains bulletins, notices, enforcement activities and interprovincial agreements. See the links to your right for the different categories.

Superintendent of Insurance Bulletins and Notices

Following are links to all Bulletins and Notices issued by the Office of the Superintendent of Insurance.  Most are directed to insurance companies licensed to operate in Alberta.  They will also be of interest to health care practitioners. 

Please visit the Information for Health Care Practitioners and Information for Insurers pages for effective and archived bulletins which specifically apply to those groups.


Superintendent of Insurance Bulletins and Notices Released in 2016

Number and Title (pdf); Released mm/dd/yy

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Superintendent of Insurance Bulletins and Notices Released in 2015

Number and Title (pdf); Released mm/dd/yy

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Superintendent of Insurance Bulletins and Notices Released in 2014

Number and Title (pdf); Released mm/dd/yy

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Superintendent of Insurance Bulletins and Notices Released in 2013

Number and Title (pdf); Released mm/dd/yy

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Superintendent of Insurance Bulletins and Notices Released in 2012

Number and Title (pdf); Released mm/dd/yy

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Superintendent of Insurance Bulletins and Notices Released in 2011

Number and Title (pdf); Released mm/dd/yy

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Superintendent of Insurance Bulletins and Notices Released in 2010

Number and Title (pdf); Released mm/dd/yy

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Superintendent of Insurance Bulletins and Notices Released in 2009

Number and Title (pdf); Released mm/dd/yy

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Superintendent of Insurance Bulletins and Notices Released in 2008

Number and Title (pdf); Released mm/dd/yy

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Superintendent of Insurance Bulletins and Notices Released in 2007

Number and Title (pdf); Released mm/dd/yy

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Superintendent of Insurance Bulletins and Notices Released in 2006

Number and Title (pdf); Released mm/dd/yy

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Superintendent of Insurance Bulletins and Notices Released in 2005

Number and Title (pdf); Released mm/dd/yy

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Superintendent of Insurance Bulletins and Notices Released in 2004

Number and Title (pdf); Released mm/dd/yy

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Automobile Insurance Rate Board documents

For additional guidance specific to Automobile Insurance, please refer to the documents on the Automobile Insurance Rate Board website.

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Superintendent of Insurance Enforcement Activities

To protect consumers and enhance public confidence in insurance, the Superintendent of Insurance monitors, investigates and takes appropriate regulatory action when there is non-compliance with the Insurance Act and Regulations under the Act.

Regulatory action includes Administrative Penalties, Cease and Desist Orders, Compliance Undertakings and Court Prosecutions. In all cases involving regulatory action, there will be public notification on this page of Alberta Treasury Board and Finance's website and public information notices or news releases may be issued where it is in the public interest to do so.


Ministerial Cease and Desist Orders

Orders under s.764 of Alberta Insurance Act, R.S.A. 2000, c.1-3: (pdf)

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Superintendent of Insurance Enforcement Activities by Year - Index

 

Superintendent of Insurance Enforcement Activities in 2016

Administrative Penalty Issued to; Date (mm/dd/yy); Violation and section of the Insurance Act; and Amount

  • Economical Mutual Insurance Company (01/05/16)
    Adverse Contractual Actions - Refused to issue, renew or cancelled private passenger automobile insurance policies - Section 555(3)  Amount:  $193,000.

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Superintendent of Insurance Enforcement Activities in 2015

Administrative Penalty Issued to; Date (mm/dd/yy); Violation and section of the Insurance Act; and Amount

  • Aviva Insurance Company of Canada (12/15/15)
    Charging private passenger automobile insurance premiums in excess of approved rates – Section 602(1). Amount $10,000.

  • The Wawanesa Mutual Insurance Company (06/11/15)
    Charging private passenger automobile insurance premiums in excess of approved rates – Section 602(1). Amount $30,000.

  • Trafalgar Insurance Company of Canada (05/20/15)
    Charging private passenger automobile insurance premiums in excess of approved rates - Section 602(1). Amount: $50,000.

  • State Farm Mutual Automobile Insurance Company (03/10/15)
    Charging private passenger automobile insurance premiums in excess of approved rates - Section 602(1). Amount: $50,000.

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Superintendent of Insurance Enforcement Activities in 2014

Administrative Penalty Issued to; Date (mm/dd/yy); Violation and section of the Insurance Act; and Amount

  • Primmum Insurance Company (10/30/14)
    Charging private passenger automobile insurance premiums in excess of approved rates - Section 602(1). Amount: $40,000.

  • Security National Insurance Company (10/30/14)
    Charging private passenger automobile insurance premiums in excess of approved rates - Section 602(1). Amount: $60,000.

  • The Great West Life Assurance Company (04/23/14)
    Compensating an unauthorized insurance agent - Sections 499(1) and 452(5).  Amount:  $5,000.

  • The Manufacturers Life Insurance Company (04/23/14)
    Compensating an unauthorized insurance agent - Sections 499(1) and 452(5).  Amount:  $5,000.

  • Certas Direct Insurance Company  (02/10/14)
    Refused to issue, renew or cancel private passenger automobile insurance policies - Section 555 Amount: $136,000.

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Superintendent of Insurance Enforcement Activities in 2013

Administrative Penalty Issued to; Date (mm/dd/yy); Violation and section of the Insurance Act; and Amount

  • Aviva Insurance Company of Canada (11/26/13)
    Refused to issue, renew or cancel private passenger automobile insurance policies - Section 555 Amount: $174,000.

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Superintendent of Insurance Enforcement Activities in 2011

Administrative Penalty Issued to; Date (mm/dd/yy); Violation and section of the Insurance Act; and Amount

  • Canadian Direct Insurance Incorporated (12/08/11)
    Refused to issue, renew or cancel private passenger automobile insurance policies - Section 613.1.  Amount: $250,000.

  • Millennium Insurance Corporation (09/30/11)
    Charging private passenger automobile insurance premiums in excess of approved rates - section 659.  Amount: $25,000.

  • Security National Insurance Company (09/15/11)
    Charging private passenger automobile insurance premiums in excess of approved rates - section 659.  Amount: $10,000.

  • Primmum Insurance Company (09/15/11)
    Charging private passenger automobile insurance premiums in excess of approved rates - section 659.  Amount: $10,000.

  • TD Home and Auto Insurance Company (09/15/11)
    Charging private passenger automobile insurance premiums in excess of approved rates - section 659.  Amount: $10,000.

  • Royal & Sun Alliance Insurance Company of Canada (05/11/11)
    Refused to issue, renew or cancel private passenger automobile insurance policies - Section 613.1. Amount: $130,000.

  • Alberta Motor Association Insurance Company (03/29/11)
    For entering into a prohibited related party transaction in contravention of section 437.  Amount: $25,000.

  • Cumis Life Insurance Company (01/27/11)
    Compensating an unauthorized insurance agent - Section 452(5). Amount: $1,000.

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Superintendent of Insurance Enforcement Activities in 2010

Administrative Penalty Issued to; Date (mm/dd/yy); Violation and section of the Insurance Act; and Amount

  • The Nordic Insurance Company of Canada (07/16/10)
    Non-compliance with Superintendent of Insurance Bulletin 01/07 – Lapse In Coverage. Charging private passenger automobile insurance premiums in excess of approved rates - section 659.  Amount: $15,000.

  • Economical Mutual Insurance Company (07/16/10)
    Charging private passenger automobile insurance premiums in excess of approved rates - section 659.  Amount:  $25,000.

  • William T. Grieve (06/08/10)
    Knowingly authorized, permitted or acquiesced in the making of prohibited related party transactions within the meaning of section 785, thereby contravening section 437.  Amount:  $50,000.

  • Cumis Life Insurance Company (01/01/10)
    Compensating three unauthorized insurance agents - sections 499(1) and 452(5).  Amount:  $3,000.

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Superintendent of Insurance Enforcement Activities in 2009

Administrative Penalty Issued to; Date (mm/dd/yy); Violation and section of the Insurance Act; and Amount

  • Peace Hills General Insurance Company (11/16/09)
    Charging private passenger automobile insurance premiums in excess of approved rates - Section 659.  Amount:  $10,000.

  • Western Life Assurance Company (08/25/09)
    Compensating an unauthorized insurance agent - Sections 499(1) and 452(5).  Amount:  $2,000.

  • Intact Insurance Company (08/25/09)
    Compensating an unauthorized insurance agent - Sections 499(1) and 452(5).  Amount:  $2,500.

  • ACE INA Life Insurance (08/25/09)
    Compensating an unauthorized insurance agent - Sections 499(1) and 452(5).  Amount:  $1,000.

  • Transamerica Life Canada (09/05/11)
    08/25/09 Administrative penalty rescinded.  Compensating an unauthorized insurance agent - Sections 499(1) and 452(5).  Amount:  $1,000.

  • Transamerica Life Canada (08/25/09)
    Compensating an unauthorized insurance agent - Sections 499(1) and 452(5).  Amount:  $4,000.

  • Saskatchewan Mutual Insurance Company (08/25/09)
    Compensating an unauthorized insurance agent - Sections 499(1) and 452(5). Amount:  $1,000.

  • Security National Insurance Company (07/08/09)
    Charging private passenger automobile insurance premiums in excess of approved rates - section 659.  Amount:  $75,000.

  • Lombard General Insurance Company of Canada (04/17/09)
    Refused to renew private passenger automobile insurance policies - section 613.1.  Amount:  $32,500.

  • Royal & Sun Alliance Insurance Company of Canada (04/17/09)
    Use of non-approved endorsements - section 610(1).  Amount:  $15,000.

  • Industrial Alliance Pacific Insurance and Financial Services Inc. (03/16/09)
    Compensating an unauthorized insurance agent – sections 499(1) and 452(5).  Amount:  $2,500.

  • Co-operators General Insurance Company (03/06/09)
    Charging private passenger automobile insurance premiums in excess of approved rates - section 659.  Amount:  $10,000.

  • Industrial Alliance Pacific Insurance and Financial Services Inc. (02/04/09)
    Compensating  an unauthorized insurance agent - sections 499(1) and 452 (5).  Amount:  $2,500.

  • The Manufacturers Life Insurance Company (02/03/09)
    Compensating an unauthorized insurance agent - sections 499(1) and 452 (5).  Amount:  $5,000.

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Superintendent of Insurance Enforcement Activities in 2008

Administrative Penalty Issued to; Date (mm/dd/yy); Violation and section of the Insurance Act; and Amount

  • RBC Insurance Company of Canada (12/18/08)
    Compensating three unauthorized insurance agents - section 499(1)  and 452 (5).  Amount:  $3,000.

  • Coseco Insurance Company (10/10/08)
    Refused to issue, renew or cancel private passenger automobile insurance policies - Section 613.1.  Amount:  $44,000.

  • Cumis General Insurance Company (10/10/08)
    Refused to issue, renew or cancel private passenger automobile insurance policies - Section 613.1.  Amount:  $46,000.

  • Kingsway General Insurance Company (10/07/08)
    Charging private passenger automobile insurance premiums in excess of approved rates - Section 659.  Amount:  $15,000.

  • Kingsway General Insurance Company (10/07/08)
    Charging private passenger automobile insurance premiums in excess of approved rates - Section 659.  Amount:  $2,500.

  • American Home Assurance Company (08/08/08)
    Compensating an unauthorized insurance agent for 5 years - section 499(1).  Amount:  $25,000.

  • Lloyd's Underwriters (08/08/08)
    Compensating an unlicensed agent - section 499.  Amount:  $3,000.

  • Mennonite Mutual Insurance Company (Alberta) Ltd.  (07/21/08)
    Failing to report a change in the board of directors - section 45.  Amount:  $1,000.

  • Lombard General Insurance Company of Canada (01/18/08)
    Compensating an unauthorized insurance agent - section 499(1).  Amount:  $1,000.

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Superintendent of Insurance Enforcement Activities in 2007

Administrative Penalty Issued to; Date (mm/dd/yy); Violation and section of the Insurance Act; and Amount

  • ING Insurance Company of Canada (12/06/07)
    Improper cancellation of, and failure to renew private passenger automobile insurance policies - section 613.1.  Amount:  $114,000.

  • Unifund Insurance Company (12/06/07)
    Improper cancellation of, and failure to renew private passenger automobile insurance policies - section 613.1.  Amount:  $94,000.

  • Manufacturers Life Insurance Company (09/14/07)
    Compensating an unauthorized insurance agent - section 499(1). Amount:  $1,000.

  • Co-operators Life Insurance Company (09/11/07)
    Compensating an unauthorized insurance agent - section 499(1).  Amount:  $1,000.

  • Markel Insurance Company (08/28/07)
    Charging private passenger automobile insurance premiums in excess of approved rates - section 659.  Amount:  $60,000.

  • ING Insurance Company (08/03/07)
    Charging private passenger automobile insurance premiums in excess of approved rates - section 659.  Amount:  $5,000.

  • ING Novex Insurance Company (08/03/07)
    Charging private passenger automobile insurance premiums in excess of approved rates - section 659.  Amount:  $1,000.

  • Cumis Insurance Company (07/16/07)
    Charging private passenger automobile insurance premiums in excess of approved rates - section 659.  Amount:  $20,000.

  • Coseco Insurance Company (07/16/07)
    Charging private passenger automobile insurance premiums in excess of approved rates - section 659.  Amount:  $10,000.

  • Jevco Insurance Company (07/16/07)
    Charging private passenger automobile insurance premiums in excess of approved rates - section 659.  Amount:  $14,000.

  • First Canadian Insurance Company (07/13/07)
    Holding shares in excess of the regulated amount - section 428.  Amount:  $10,000.

  • Millennium Insurance Company (07/13/07)
    Holding shares in excess of the regulated amount - section 428.  Amount:  $10,000.

  • State Farm Mutual Automobile Insurance (06/09/07)
    Charging private passenger automobile insurance premiums in excess of approved rates - section 659.  Amount:  $11,000.

  • Kingsway General Insurance Company (04/20/07)
    Charging private passenger automobile insurance premiums in excess of approved rates - section 659.  Amount:  $30,000.

  • Millennium Insurance Company (03/29/07)
    Charging private passenger automobile insurance premiums in excess of approved rates - section 659.  Amount:  $5,000.

  • Certas Direct Insurance Company (03/12/07)
    Charging private passenger automobile insurance premiums in excess of approved rates - section 659.  Amount:  $5,000.

  • The Personal Insurance Company (03/12/07)
    Charging private passenger automobile insurance premiums in excess of approved rates - section 659.  Amount:  $5,000.

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Superintendent of Insurance Enforcement Activities in 2006

Administrative Penalty Issued to; Date (mm/dd/yy); Violation and section of the Insurance Act; and Amount

  • Trans Global Life Insurance Company (12/07/06)
    Failing to report a change in the board of directors - section 45.  Amount:  $1,000.

  • Trans Global Life Insurance Company (12/07/06)
    Failing to report a change in the board of directors - section 45.  Amount:  $1,000.

  • St. Paul Guarantee Insurance Company (10/17/06)
    Compensating an unauthorized insurance agent - section 499(1).  Amount:  $1,000.

  • Western Life Assurance Company (10/17/06)
    Transacting a class of insurance business for which they were not authorized, contrary to section 18(2).  Amount:  $5,000.

  • Coseco General Insurance Company (10/17/06)
    Charging private passenger automobile insurance premiums in excess of approved rates - section 659.  Amount:  $15,000.

  • Unity Life Insurance Company (10/12/06)
    Compensating an unauthorized insurance agent - section 499(1).  Amount:  $1,000.

  • State Farm Mutual Automobile Insurance Company (10/10/06)
    Charging private passenger automobile insurance premiums in excess of approved rates - section 659.  Amount:  $45,000.

  • Aviva Insurance Company of Canada (08/02/06)
    Compensating an unauthorized insurance agent - section 499(1).  Amount:  $1,000.

  • Innovative Insurance Company (08/02/06)
    Compensating an unauthorized insurance agent - section 499(1).  Amount:  $1,000.

  • Economical Mutual Insurance Company (08/02/06)
    Compensating an unauthorized insurance agent - section 499(1).  Amount:  $1,000.

  • Perth Insurance Company (08/02/06)
    Compensating an unauthorized insurance agent - section 499(1).  Amount:  $1,000.

  • Pembridge Insurance Company (08/02/06)
    Compensating an unauthorized insurance agent - section 499(1).  Amount:  $1,000.

  • Kingsway General Insurance Company (08/02/06)
    Compensating an unauthorized insurance agent - section 499(1).  Amount:  $1,000.

  • Peace Hills Insurance Company (08/02/06)
    Compensating an unauthorized insurance agent - section 499(1).  Amount:  $1,000.

  • ING Insurance Company of Canada (08/02/06)
    Compensating an unauthorized insurance agent - section 499(1).  Amount:  $1,000.

  • CIGNA Life Insurance Company (06/19/06)
    Compensating an unauthorized insurance agent - section 499(1).   Amount:  $1,000.

  • Reliable Life Insurance Company (03/27/06)
    Compensating an unauthorized insurance agent - section 499(1).  Amount:  $1,000.

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Superintendent of Insurance Enforcement Activities in 2005

Administrative Penalty Issued to; Date (mm/dd/yy); Violation and section of the Insurance Act; and Amount

  • Millennium Insurance Corporation (09/22/05)
    Compensating an unauthorized insurance agent - section 499(1).  Amount:  $4,000.

  • Old Republic Insurance Company of Canada (09/22/05)
    Compensating an unauthorized insurance agent - section 499(1).  Amount:  $1,000.

  • Sovereign General Insurance Company (09/22/05)
    Compensating an unauthorized insurance agent - section 499(1).  Amount:  $2,000.

  • American Bankers Insurance Company of Florida (09/22/05)
    Compensating an unauthorized insurance agent - section 499(1).  Amount:  $1,000.

  • Canada Life Assurance Company (09/22/05)
    Compensating an unauthorized insurance agent - section 499(1).  Amount:  $1,000.

  • CIGNA Life Insurance Company (09/22/05)
    Compensating an unauthorized insurance agent - section 499(1).  Amount:  $1,000.

  • Motors Insurance Company (09/22/05)
    Compensating an unauthorized insurance agent - section 499(1).  Amount:  $2,000.

  • St. Paul Guarantee Insurance Company (09/22/05)
    Compensating an unauthorized insurance agent - section 499(1).  Amount:  $3,000.

  • Life Investors Insurance Company of America (09/22/05)
    Compensating an unauthorized insurance agent - section 499(1).  Amount:  $4,000.

  • Traders General Insurance Company (05/31/05)
    Failing to provide premium refunds - sections 2 and 3 of Automobile Insurance Premiums Regulation.  Amount:  $20,000.

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Memoranda of Agreements with Manitoba Public Insurance Corporation (MPI) and Saskatchewan Government Insurance (SGI)

The Provinces of Manitoba and Saskatchewan have enacted a system of no-fault insurance that applies principally to residents of their respective provinces who suffer bodily injuries in automobile accidents.

MPI (for Manitoba) and SGI (for Saskatchewan) are authorized by statute to enter into agreements with governments of other provinces respecting compensation for bodily injury of (a) residents of other provinces who are involved in accidents in Manitoba or Saskatchewan, and (b) their residents who are involved in accidents outside Manitoba or Saskatchewan.

The Province of Alberta may by regulation require that automobile insurance policies issued in Alberta provide for payment of no-fault benefits to residents of Alberta who suffer bodily injuries in automobile accidents in Manitoba and Saskatchewan.

MPI (Manitoba) and SGI (Saskatchewan) and the Province of Alberta entered into the agreements available below.

Memoranda of Agreements (pdf)

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Page last updated:  May 5, 2016