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ARTICLE · 27 MARCH 2012

CCIR Releases Issues Paper: Electronic Commerce In Insurance Products

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On February 6, 2012, the Canadian Council of Insurance Regulators ("CCIR") released a CCIR issues paper entitled Electronic Commerce in Insurance Products ("Issues Paper").

CanadaInsurance
Erin Brady
Erin Brady
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Richard Da Costa
Miho Felicio
Miho Felicio
Gordon Goodman
Gordon Goodman
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Laurie LaPalme
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Brian Reeve
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On February 6, 2012, the Canadian Council of Insurance Regulators ("CCIR") released a CCIR issues paper entitled Electronic Commerce in Insurance Products ("Issues Paper"). The purpose of the Issues Paper is to educate, stimulate debate, launch a process of consultation and build a common understanding for regulators and stakeholders regarding electronic commerce in the insurance industry.

Currently in Canada, there is no regulatory framework specifically applicable to the online distribution of insurance products, although a number of voluntary and legislated schemes that apply to electronic transactions generally exist. Further, there has been little guidance provided by the Office of the Superintendent of Financial Institutions Canada and the provincial and territorial insurance regulators. Most regulators appear to take the position that the current rules regarding the traditional sale of insurance apply equally to online transactions.

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