Insurance Intermediation Activities under the Quebec Civil Law Regime

The regulatory regime for insurance intermediation in Quebec requires that any individual who offers life insurance or damage insurance products to the public must be certified as an insurance representative by the AMF. However, an exception exists regarding the distribution of insurance products. It is called ‘distribution other than through a representative’ also known as ‘distribution without a representative

(‘DWR’)’. Under that exception, an insurer may offer insurance products pertaining to a good or secure a client’s adhesion in respect of such insurance products through a distributor, provided that the distributor’s business is not in the field of insurance, and that the product offered is related to the good that is being sold. See 1.3 for further details.

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IBA 2015- Insurance-committee-substantive-report-2015-Canada.pdf

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