新斯科舍省财政部-NS-DFTB ( The Nova Scotia Department of Finance and Treasury Board)


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http://www.novascotia.ca/finance/en/home/aboutus/default.aspx

##关于新斯科舍省财政部 About DFTB 飞出国##

在新斯科舍省财政部,我们努力提供能加强新斯科舍省的金融指导,金融分析和金融政策。作为新斯科舍省金融事务的管理者,我们提供一些类企业财政和管理服务-包括省预算的准备-以及确保政府计划协调,对财政负责。

At the Nova Scotia Department of Finance and Treasury Board we strive to provide financial leadership, analysis and policies that strengthen Nova Scotia. As stewards of the province’s financial affairs, we deliver a wide range of corporate fiscal and management services – including the preparation of the provincial budget – as well as ensure government plans are coordinated and fiscally responsible.

http://www.novascotia.ca/finance/en/home/insurance/licensing/default.aspx

许可证 Licensing 飞出国##

任何在新斯科舍省从事保险合同(通常指保险销售)的个人和企业必须获得营业许可。许可证可颁发给代理人,理赔员,代理机构和保险公司。

保险监督办公室负责管理和许可保险行业。保险法案以及相关的章程规定了许可要求。

许可要求

  • 代理人
  • 理赔人
  • 代理机构
  • 保险公司

Any individual or business involved in the placement of insurance contracts (commonly referred to as “selling insurance”) in Nova Scotia must be licensed. Licenses are issued for agents, adjusters, agencies and insurance companies.

The Office of the Superintendent for Insurance has the responsibility for regulating and licensing the insurance industry. Licensing requirements are set out in the Insurance Act and accompanying Regulations.

Notice to New Insurance/Adjuster License Applicants - September 2015

Licensing Requirements

  • Agents
  • Adjusters
  • Agencies
  • Insurance Companies

http://www.novascotia.ca/finance/en/home/insurance/licensing/agents/default.aspx

代理人 Agents 飞出国##

保险代理从事保险合同销售。居民保险代理和非居民保险代理都必须要在新斯科舍省获得许可。颁发的许可证有以下的保险分类:

  • 人身险 (意外和疾病)
  • 意外和疾病
  • 普通险 (除了人身险)
  • 旅游,意外和行李

颁发的保险代理许可证的有效期为3年。在颁发许可证之前,所有的代理(除了旅游,意外和行李)必须满足特定的要求(通过考试,完成课程或工作经验)。

An insurance agent is involved in the placement (selling) of insurance contracts. Both resident and non-resident insurance agents must be licensed in Nova Scotia. Licenses are issued in the following classes of insurance:

  • Life (including Accident and Sickness)
  • Accident and Sickness only
  • General (other-than-life)
  • Travel, Accident and Baggage

Insurance agent licenses are issued for a period of three years. All agents (except Travel, Accident, and Baggage) must meet specific requirements (completion of exams and/or courses; and/or experience) before being licensed.

许可证申请(要求和表格) License Application (requirements and form) 飞出国###

Step 1 - 许可证要求 License Requirements

在提交保险代理许可证申请之前,请确保符合以下要求:

1. 人身险代理

必须成功完成以下内容:

注意:2003 Changes to Life Licensing Program (pdf)

  • 通过省许可证考试:详见考试注册信息(下面)

2. 意外和疾病代理

必须完成以下内容:

  • 人身险许可资格项目 (LLQP):详见LLQP 课程提供者 (pdf)清单

注意:人身险许可资格项目2003年变更

  • 通过省许可证考试:详见考试注册信息(下面)

Before submitting an application for insurance agent license, be sure you meet the following requirements:

1. Life Insurance Agents

Must successfully complete:

Note: 2003 Changes to Life Licensing Program (pdf).

  • Pass the provincial licensing exam: See Exam Registration information (below)

2. Accident and Sickness Only Agents

Must successfully complete:

  • Life Licensing Qualification Program (LLQP): See list of LLQP Course Providers (pdf)

Note: 2003 Changes to Life Licensing Program (pdf).

  • Pass the provincial licensing exam: See Exam Registration information (below)

3.普通保险代理

普通保险代理可分为三种层次的许可体制,且每次对保险代理许可证规定的修改案都已在2007年1月1日发布了。

要成为普通保险代理,您必须要通过以下要求,或有保险总监可接受的同等工作经验:

Level I-成功完成以下内容中的一项:

  • 保险基础(省考试)
  • 普通保险概要第一部分和第二部分
  • CIP课程 C11 and C130

Level II-成功完成以下内容中的一项:

  • CAIB课程的第一、二、三部分
  • (详见 IBANS or ITAC)
  • CIP课程C11, C130 and C131

Level III- 成功完成以下内容中的一项:

  • CAIB课程的第一、二、三部分(详见IBANS or ITAC)
  • CIP课程C11, C130, C131 and C132

关于现有保险代理的大治理规定的信息在以下内容可见

3. General Insurance Agents

General Insurance Agents are subject to a three level licensing regime as per amendments to the Insurance Agents License Regulations instated January 1, 2007.

To become a General Insurance Agent you must pass the following, or have equivalent experience acceptable to the Superintendent of Insurance:

Level I– Successfully complete one of the following:

  • Fundamentals of Insurance (Provincial Exam).
  • Parts I and II of the General Insurance Essentials
  • Part I of the CAIB Program (See IBANS or ITAC)
  • CIP Program Courses C11 and C130.

Level II – Successfully complete one of the following:

  • Parts I, II and III of the CAIB Program
  • (See IBANS or ITAC)
  • CIP Program Courses C11, C130 and C131.

Level III – Successfully complete one of the following:

  • Parts I, II, III and IV of the CAIB Program (See IBANS or ITAC)
  • CIP Program Courses C11, C130, C131 and C132.

*See information on Grand-fathering Provisions for Existing General Insurance Agents (below)

4. 旅游、意外和行李

旅游险代理必须要遵守申请程序。获得许可之前没有任何要求。

省级考试-人身,意外和疾病,普通Level 1

人身,意外,疾病和普通省级保险考试在哈里法克斯举行。普通考试只能在新斯科舍省办公室 (outside of HRM)参加。

考场:哈里法克斯:达尔豪斯学生会大楼,哈里法克斯

考试:人身险,意外和疾病险,普通险

时间:每月的第一个和第三个星期五

在哈里法克斯进行的考试当天就可进行评分。到考试当天下午4:30,考试成绩就会在考试成绩单上公布出来。

考场: 新斯科舍省办公室(outside of HRM)

考试:普通险(唯一的考试)

时间:悉尼和特鲁罗:每月的第一个星期五; 其他考场:预期安排的日期和时间

考试及格分数:普通保险-(总分的)75%: 人身,意外和疾病-(总分的)60%,考试结果会在成绩单上公布。

考试注册(所有的考场)

可在保险表格网页,注册,下载和完成保险考试注册表格。该表格包括考场,时间和费用的信息。

在除哈里法克斯/达特茅斯地区之外的任何Access Nova Scotia offices考场,只能参加省级普通保险考试,要参加该考试,请完成考试注册表,并将表格(包括费用)寄送到表格上的地址。Access Nova Scotia的工作人员与您取得联系,并阿奶考试时间。

4. Travel, Accident and Baggage

Travel Insurance Agents must follow application procedures. There is no pre-licensing requirement.

Provincial Exams - Life, Accident & Sickness, General Level 1

Life, Accident and Sickness and General provincial insurance exams are conducted in Halifax. General exams only can be written at Access Nova Scotia offices (outside of HRM).

Location: Halifax: Dalhousie Student Union Building, Halifax
(Map of Meter Parking in HRM (pdf))
Exams: Life, Accident & Sickness, and General
When: first and third Fridays of each month

Exams written in Halifax are marked the day they are written. By 4:30 pm on exam day, exam results are published on the Exam Results page.

Locations: Access Nova Scotia Offices (outside of HRM)
Exam: General (Only)
When: Sydney and Truro: first Friday of each month; Other locations: date and time as arranged

Exam pass marks are: General Insurance - 75%: Life, Accident and Sickness - 60%. Official exam results will be mailed to all exam writers.

Exam Registration (all locations)

To register, download and complete the Insurance Exam Registration Form available from the Insurance Forms page. This form includes all information on locations, times and fee payment.

To write the provincial General insurance exam (only) in any of the Access Nova Scotia offices outside the Halifax/Dartmouth area, please complete exam registration form, and send it (with fee) to address shown on form. Staff from Access Nova Scotia will contact you to arrange an exam date and time.

步骤2:申请表格和步骤

Insurance Forms网页上可下载个人保险许可证申请表格。

  1. 完成申请表格,并且获得保险公司的认可,就可获得在新斯科舍省执业的许可。详见保险代理注册 FAQ网页查看完成该表格的意见。
  2. 把完成的申请表格和许可证的费用一起寄送到表格上的地址。

如果要寄送申请表,请寄送到以下地址:

Finance and Treasury Board
Financial Institutions Division
Office of the Superintendent of Insurance
1423 Hollis St. 4th Floor
Halifax, NS B3J 1V9

3.如果您是非居民代理,则必须要提供您所在地机关颁发的权威证书。

新斯科舍省许可目录也会提供关于保险代理许可的信息。

Step 2: Application Form and Process

Download the Individual Insurance Licence Application from the Insurance Forms page.

  1. Complete the application form and have it endorsed by an insurance company that is licensed to operate in Nova Scotia. See Insurance Agent Licensing FAQ page for tips on completing the form.

  2. Return the completed application form to the address on the form with the licensing fee.

If you wish to courier the application, please send to the following address:

Finance and Treasury Board
Financial Institutions Division
Office of the Superintendent of Insurance
1423 Hollis St. 4th Floor
Halifax, NS B3J 1V9

3.If you are a non-resident agent, you must provide the Certificate of Authority issued from the jurisdiction where you reside.

The Nova Scotia Permits Directory also provides information on insurance agent licensing.

许可证续签 License Renewals飞出国###

如果您是许可的代理人,则在许可证有效期前45天,您会收到一封更新表格的邮件。(许可证的有效期为3年。)请审查,签字和返回费用。

和你最初提交的信息一样,没有变更的话,则请使用这份表格,并更新该表格。

不过,在更新时,如果您变更了保证人,则必须重新提交保险代理申请表格,该表格可在保险表格网页上下载。请浏览FAQ网页查看更多信息。

Once you are a licensed agent, you will receive a renewal form in the mail, 45 days prior to your license expiry date. (Licenses are valid for three years.) Please review, sign and return with payment.

Please use this form, and only this form to renew, when there are no changes to information you originally submitted.

However, if at renewal time, there has been a change in your sponsor, you must re-submit the Insurance Agent Application form available on our Insurance Forms page. Read our FAQ page for more information.

许可证更新 License Updates 飞出国###

在许可证有效期内,您提交的信息可能会有变更。如果要更新您的联系信息,请通过邮件或平信联系我们。在有些情况下,例如变更保证人,则需要寄给我们(其他的)保险代理申请。请浏览FAQ网页查看更多信息。

如果对变更您的许可证有任何的疑问,请直接与我们取得联系。

Over the term of your license, there may be changes to the information you submitted. To update your contact information, advise us by email or regular mail. In some cases, such as a change in sponsor, you will need to send us (another) Insurance Agent Application. Read our FAQ page for for more information.

Please contact us directly if you have questions about making changes to your license.

普通保险代理-附加信息 General Insurance Agent - Additional Information 飞出国###

既有普通保险代理大治理规定Grand-fathering Provisions for Existing General Insurance Agents

在2006年12月31日之前获得普通保险代理许可证的任何人:

  • Level I 颁发的许可证不到2年的普通保险代理
  • Level II 颁发的许可证超过了2年,但不到4年的普通保险代理
  • Level III 颁发的许可证超过4年的普通保险代理

信托账户 - 普通保险

普通保险机构和独立的普通保险代理必须持有一个信托账户来储蓄保险费存款。信托账户协调工作表 (pdf)必须要在每年的财政年尾的120天内归档。

详见保险代理许可规定(Insurance Agents Licensing Regulations)

Grand-fathering Provisions for Existing General Insurance Agents

Any individual licensed as a general insurance agent prior to December 31, 2006 will be deemed licensed as:

  • Level I general insurance agent if licensed for less than two years;
  • Level II general insurance agent if licensed for more than two years and less than four years;
  • Level III general insurance agent if licensed for more than four years.

Trust Accounts - General Insurance

General insurance agencies, and independent general insurance agents are required to maintain a trust account to hold insurance premium deposits. A Trust Account Reconciliation Worksheet (pdf) must be filed annually within 120 days of the fiscal year end.

See Insurance Agents Licensing Regulations.

http://www.novascotia.ca/finance/en/home/insurance/licensing/adjuster/default.aspx

理赔员 Adjuster 飞出国##

理赔员代表参保人员或保险公司解决保险损失或索赔事务。独立的理赔员和理赔机构必须要有许可证。许可证的有效期为三年。内部工作人员或员工理赔员可以不必获得许可证。

An adjuster works on behalf of the insured or the insurer to settle an insurance loss or claim. Independent adjusters and adjusting agencies must be licensed. Licenses are valid for three years. In-house or staff adjusters are not required to be licensed.

许可证申请 License Application 飞出国###

要求和申请表格

在新斯科舍省个人的许可证是根据等级许可系统进行颁发的。每个等级都规定理赔员都要根据相关规定,完成加拿大保险研究所 (IIC)课程;随着许可证等级的升级,许可证持有者的责任也会随着增多。

根据保险法案,要获得不同等级的理赔员许可证,申请人必须要遵守以下程序。

Step 1 - 许可证要求

在提交理赔员许可证的申请之前,必须确保您符合以下要求:

Level 1 - 实习理赔员

  • 成功完成IIC course C11 (保险原则和实践)
  • 签署的等级I理赔员协议 (表格里涉及该内容)

Level II - 助理理赔员

  • 成功完成IIC课程
    • C12 -第一部分财产保险
    • C14 - 个人汽车保险
    • C110 - 必需品的损失调整
  • 获得持有等级I许可证的资格
  • 签署的等级II;理赔员协议(表格中涉及该内容)

Level III - 理赔员

  • 成功完成IIC课程:
    • C12 - 第一部分财产保险
    • C13 - 责任险
    • C111 - 预先损失调整
  • 获得持有等级II许可证的资格
  • 签署的等级II;理赔员协议(表格中涉及该内容)

Level IV - 独立的理赔员

  • 成功完成IIC课程:
    • C32 - 人身伤害索赔
    • C112 - 索赔管理中的实际问题
  • 获得持有等级III许可证的资格
  • 等级I或等级II许可证需要至少两年的工作经验

Level V - 合伙企业或公司调理员许可证

  • 在新斯科舍省法人股份公司注册处更新注册
  • 加拿大税务局营业额
  • 持有等级IV的调理员许可证的个人的清单,该清单列有每个营业地方的申请人

Requirements and Application Forms

In Nova Scotia adjuster licenses for individuals are issued in accordance with a Level Licensing System. Each level requires that certain Insurance Institute of Canada (IIC) courses, as specified in the Regulations, be successfully completed; as the level of license increases, the degree of responsibility of the license holder also increases.

To obtain an adjuster license at the levels available under the Insurance Act the applicant must follow the procedures listed below.

Step 1 - License Requirements

Before submitting an application for adjuster license, be sure you meet the following requirements:

Level 1 - Probationary Adjuster

  • successful completion of IIC course C11 (Principles and Practices of Insurance)
  • signed Level I Adjuster Agreement (included in form)

Level II - Assistant Adjuster

  • successful completion of IIC courses:
    • C12 - Insurance Property Part I,
    • C14 - Personal Automobile Insurance,
    • C110 - Essentials of Loss Adjusting.
  • establish eligibility to hold a Level I License.
  • signed Level II Adjuster Agreement (included in form)

Level III - Adjuster

  • successful completion of IIC courses:
    • C12 - Insurance Property Part I,
    • C13 - Insurance Against Liability,
    • C111 - Advanced Loss Adjusting
  • establish eligibility to hold a Level II License.
  • signed Level III Adjuster Agreement (included in form)

Level IV - Independent Adjuster

  • successful completion of IIC courses:
    • C32 - Bodily Injury Claims,
    • C112 - Practical Issues in Claims Management
  • establish eligibility to hold a Level III License.
  • have a minimum of two years practical experience as a Level II or III licensee, or both

Level V - Partnership or Corporate Adjuster License

  • up-to-date registration with Nova Scotia Registry of Joint Stock Companies
  • Canada Revenue Agency Business Number
  • list of the individuals holding a Level IV Adjuster License for each place of business of the applicant.

Step 2: 申请表格和步骤

Level I-IV - 个人理赔员

  1. 从保险表格(Insurance Forms)网页下载个人保险许可证申请(Individual Insurance Licence Application),完成并提交改表格。可查看Adjuster FAQ寻求帮助。
  2. 表格必须由等级V许可证的官员或合作方或理赔公司签署,如此意味着获得许可证的持证人已经同意支持个人的许可证申请。
  3. 包括签署的调理员协议(Level I, II, III)
  4. 包括IIC课程结课的证书
  5. 包括许可证费用(三年有效期)
  6. 非居民申请人:必须提供由申请人所在地的许可证颁发机构授予的授权证书的原件

Level V - 合作企业或公司的理赔员

  1. 从保险表格(Insurance Forms)网页下载个人保险许可证申请(Individual Insurance Licence Application),完成并提交改表格。可查看Adjuster FAQ寻求帮助。
  2. 确保表格是由申请人的官员或合作者签署的
  3. 包括许可证的费用(有效期为三年)
  4. 非居民调理员:必须提供由理赔公司所在地的许可证颁发机构授予的授权证书的原件

附加信息

新斯科舍省许可目录也会提供关于个人理赔许可证(Individual Adjuster Licenses)和公司理赔许可证(Company Adjuster Licenses)的信息。

许可证升级

请提供许可证升级的结课证书。许可证需要进行升级,不会收取额外的费用。截止日期不会变更。您不必提交申请表格。

许可证续签

在许可证有效期到期前的45天,您会收到更新表格的信件。请查看该表格,并签上名字,和费用一起寄回。

和您最初提交的表格一样,没有任何变更时,请仍旧使用这份表格(因为只有该表格需要更新)。

例如,您是个人理赔员,且当前您的保证人雇主有所变更,则请您必须从我们的表格网页上下载保险理赔员表格,并重新提交该表格。

许可证更新

在许可证有效期内,您提交的信息可能会有所表更。如果您要更新您的联系方式或办公室信息,请通过邮件或平信联系我们。

在有些情况下,例如保证人雇主有变更的话,您需要重新提交一份申请表格。请浏览Adjuster FAQ or Corporate Adjuster FAQ网页了解更多详情。

如果关于更新许可证信息有任何的疑问,请直接与我们取得联系。

Step 2: Application Forms and Process

Level I-IV - Individual Adjusters

  1. submit a completed Individual Insurance Licence Application from the Insurance Forms page. See Adjuster FAQ for more help.
  2. form must be signed by an officer or partner of a Level V Licensee, an adjusting firm, indicating that the licensee has agreed to sponsor this individual’s license application.
  3. include signed Adjuster Agreement (Level I, II, III)
  4. include proof of IIC course completion
  5. include the license fee (three year term)
  6. non-resident applicant: must provide an original Certificate of Authority from the licensing authority in the jurisdiction in which the applicant resides.

Level V - Partnership or Corporate Adjuster

  1. submit a completed Corporate Insurance Licence Application from the Insurance Forms page. See Corporate Adjuster FAQ for more help.
  2. ensure form signed by an officer or partner of the applicant
  3. include the license fee (three year term)
  4. non-resident adjusters: must provide an original Certificate of Authority from the licensing authority in the jurisdiction in which the adjusting firm is located

Additional Information

The Nova Scotia Permits Directory also provides licensing information on Individual Adjuster Licenses, and Company Adjuster Licenses

License Upgrades

Please provide proof of completion of courses required for upgraded level. License will be upgraded, at no additional charge. Expiry date remains unchanged. You are not required to re-submit the application form.

License Renewals

You will receive a renewal form in the mail, 45 days prior to the license expiry date. Please review, sign and return with payment.

Please use this form, and only this form to renew, when there are no changes to information you originally submitted.

If you are an individual adjuster, for example, and at renewal time, there has been a change in the your sponsoring employer, you must re-submit the Insurance Adjuster form available on our Forms page.

License Updates

Over the term of the license, there may be changes to the information you submitted. To update your contact or office information, advise us by email or regular mail.

In some cases, such as a change in sponsoring employer, you will need to re-submit an application form. Read our Adjuster FAQ or Corporate Adjuster FAQ page for more information.

Please contact us directly if you have questions about updating your license information.

官网: http://www.novascotia.ca/finance/en/home/insurance/default.aspx

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