Insurance is everywhere in Canadian society: health, employment, transportation, commerce, industry, and communications are all sectors of activity affected by insurance. Whether public or private, compulsory or voluntary, insurance touches everyone on a daily basis. Where there are risks, there is a need for insurance -- and one cannot live in the twenty-first century without encountering risk day in and day out. The ubiquity of insurance comes at a cost. This price is paid by all Canadians and not only by those who hold insurance policies. Every year, Canadian policyholders pay billions of dollars in premiums to private insurance companies. Regulation is another consequence of the prevalence of insurance. Canadian insurance law is a complex mixture of federal and provincial legislation, common law, and custom. This book offers a detailed survey of this regulatory patchwork, divided into three parts. Part 1 provides an introduction to the creation and enforcement of insurance contracts. The subject of Part 2 is the creation of an enforceable insurance contract. Part 3 examines the principles applicable to the enforcement of insurance contracts.

"A practical treatise on the law governing life insurance, this edition is a sequel to the 2nd edition published in 1993, covering life and disability insurance law in all 10 provinces, including the civil law of Quebec. The book promotes a basic understanding of the features of life insurance that make life insurance law so different in common-law and civil law, as well as judicial interpretation of the model Uniform Life Insurance Act and Quebec Civil Code. Previous editions of this work have been cited as an authority in more than 130 Canadian cases. Includes specimen policies, documents and tables."--Pub. desc.