Canadian Mortgage Amortization Table by avn10660

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									                                 PROTECTED WHEN COMPLETED



                                              Year



         Name of Insurer




         ANNUAL RETURN


         LIFE-2


         Foreign Life Insurers




         Canadian Business        Institution Code _______




(2010)
                                                          LIFE-2

                                                    TABLE OF CONTENTS
                                                                                                 Page #

       Affidavits
              Affidavit Verifying Annual Return - Chief Agent ……………………………………………………………………………...……………………...
                                                                                        10.000
              Affidavit - CEO …………………………...…………………………………………………………………..……………………………………….. 10.001

       Corporate Information
              Annual Corporate Information …………………………………………………………………………………………………………………………..
                                                                                    10.010
              Corporate and Regulatory Information ……………………………..………………………………………………………………
                                                                                    10.020
              Corporate Organization Chart …………………………………………………………………………………………………………………
                                                                                    10.040
              General Interrogatories ……………………………………………………………………………………………………………….10.050 -.070

       WorldWide Business
              Assets …………………………..…………………………………………………………………………………………………….                    15.010
              Liabilities, Policyholders' and Shareholders' Equity ……………………….………………………………………………….
                                                                                            15.020
              Income Statement …………………………..………………………………………………………………………………………                15.030
              Capital/Solvency Information ………………………….…………………………………………………………………………..        15.040

       Canadian Business

              Financial Statements
                    Assets ……………………………………………………………………………………………………………20.010
                    Liabilities, Head Office Account and Accumulated Other Comprehensive Income (Loss) ……………………………………………………
                                                                                                            20.020
                    Income Statement ……………………………………………………………………………………………….                                  20.030
                    Head Office Account ………………………...………………………………………………………………………….                           20.044
                    Comprehensive Income (Loss) and Accumulated Other Comprehensive Income (Loss) ……………………  20.046
                    Statement of Cash Flows …………………………………………………………………………………. 20.050
                    Notes to the Financial Statements ………………………………………………………………………………                        20.060
                    Auditor's Report ………………………………………………………………………………………………………                                20.070
                    Appointed Actuary's Report ……………………………………………………………………………….. 20.080

              Assets
                    Summary of Investments (Vested in Trust) ………………………………………………………………………………….                     21.012
                    Summary of Provisions (Investments Vested in Trust) ………………………………………………………………………………………….…      21.020
                    Corporate Investments by Sector (Vested in Trust) ……………………………………………………………………………………..          21.030
                    Significant Exposures (Vested in Trust) ……………………………………………………………………………………….                    21.040
                    Mortgage Loans (Vested in Trust) ………………………………………………………………………………………..                          21.050
                    Mortgage Loans - 25 Largest Uninsured (Vested in Trust) ………………………………………………………………………           21.060
                    Real Estate - Valuation and Amortization of Unrealized Gains and Losses (Vested in Trust) ………………………….
                                                                                                                  21.080
                    Other Equity Investments and Other Loans and Invested Assets (Vested in Trust) ……………………………………………………………
                                                                                                                  21.100
                    Derivative Instruments Risk Profile ………………………………………………………….…………………………………………………                21.110
                    Derivative Instruments Risk Profile: Gross/Net Mark to Market Exposures ……………………………………………….   21.120
                    Accounts Receivable ………………..…………………………………………………………………………. 1.150                               2




* To be filed by Insurers licensed in Quebec only         Page 2                                   LIFE-2 (2010)
                                                            LIFE-2

                                                    TABLE OF CONTENTS
                                                                                             Page #
       Canadian Business (cont'd)

              Liabilities
                   Actuarial Liabilities by Line of Business ………………………………………………………………………..22.010
                   Other Insurance Policy and Contract Liabilities …………………………………………………….… 22.020
                   Accounts Payable ………………………………………………………………………………………….                   22.030
                   Other Liabilities …………………………………………………………………………………………….. 22.030

              Income and Expenses
                   Net Investment Income …………………………………………………………………………………………………………………… 23.010
                   Capital Gains and Losses on Real Estate ……………………………………………………………….. 23.020
                   Other Revenue ……………………………………………………………………………………………………….             23.030
                   Interest Expense ………………………………………………………………………………………………. 23.030
                   General Expenses and Taxes ………………………………………………………………………………………….     23.030
                   Other Expenses ………………………………………………………………………………………………. 23.030

              Analysis by Line of Business
                  Analysis of Income by Line of Business ………………………………………….………………………………..
                                                                                    35.010
                   Liquid Assets (Vested in Trust) and Cashable Liabilities …………………………………………………………………….
                                                                                               35.080

              Insurance and Reinsurance Exhibits
                   Premiums and Commissions ………………………………………………………………………….. 45.010
                   Reinsurance Ceded ………………………………………………………………………………………………………..
                                                                           45.060

              Segregated Funds
                  Net Assets ………………………………………………………………………………………………….. 60.010
                  Changes in Net Assets …………………………………………………………………………………………                 60.010
                  Policyholders' Equity Reconciliation …………………………………………………….……………………………    60.020
                  Life Insurer's Equity Reconciliation …………………………………………………………...………………………  60.020
                  Segregated Funds Net Assets - By Type of Guarantee …………………………………………………………..
                                                                                           60.030
                  Interrogatories to Segregated Funds ……………………………………….…………………………………………. 60.040 -.050

              Miscellaneous Exhibits
                   Analysis of Amounts of Life Insurance - Effected and In Force ……………………………………….. 75.040
                   Movement of Annuities (Gross)       -- Individual Annuities …………………………………………..  75.050
                                                       -- Group Annuities ………………………………………..……………………..
                                                                                                   75.060
                   Reinsurance Ceded to Unregistered Insurers ……………………………………………………………………………….      75.070

              Provincial Exhibits
                   Premiums ………………...………………...…………………………………………………………………………                        95.010
                   Policyholder Benefits Paid and Incurred ……………………………………………………………………….………………………..95.020
                   Policyholder Dividends and Experience Rating Refunds - (Direct) ………………………………………………..
                                                                                                  95.020
                   Movement of Insurance -- Life - Individual (Direct) …………………………………………………………………  95.030
                                             -- Life - Group (Direct) ……………………………………………………………………… 95.040

              Provincial Exhibits (Based on Location of Risk)




* To be filed by Insurers licensed in Quebec only               Page 3                          LIFE-2 (2010)
                                                       10.000

Insurer                                                                                                    Year

                                     AFFIDAVIT VERIFYING ANNUAL RETURN


I,                                                              OF THE
OF                                                     IN THE PROVINCE OF
BEING THE CHIEF AGENT IN CANADA OF


(HEREINAFTER CALLED "THE INSURER"), MAKE OATH AND SAY AS FOLLOWS:

      1.   I AM THE CHIEF AGENT OF THE INSURER IN CANADA.

      2.   I HAVE PERSONAL KNOWLEDGE OF THE FACTS HEREIN DEPOSED TO.

      3.   THE ATTACHED ANNUAL RETURN OF THE CONDITION AND AFFAIRS OF THE INSURANCE BUSINESS
           IN CANADA OF THE INSURER, TOGETHER WITH THE RELATED EXHIBITS, SCHEDULES AND
           EXPLANATIONS FILED OR TO BE FILED AS PART THEREOF, IS A FULL AND CORRECT STATEMENT OF
           ALL THE ASSETS AND LIABILITIES IN CANADA AS OF                AND OF THE
                                                                (Day, Month, Year)

           INCOME AND EXPENDITURES IN CANADA FOR THE YEAR ENDED ON THAT DAY, AS RESPECTS THE
           INSURER'S BUSINESS OF LIFE INSURANCE AND ACCIDENT AND SICKNESS INSURANCE
           IN CANADA.

      4.   ALL THE ASSETS REPORTED IN THE SAID ANNUAL RETURN AND SCHEDULES WERE, AS OF
                                , THE ABSOLUTE PROPERTY OF THE INSURER, FREE
                (Day, Month, Year)

           AND CLEAR FROM ANY LIENS, CHARGES AND ENCUMBRANCES OF ANY NATURE EXCEPT AS
           THEREIN STATED.

      5.   TO THE BEST OF MY INFORMATION, KNOWLEDGE AND BELIEF, AFTER HAVING TAKEN ALL
           REASONABLE STEPS TO INFORM MYSELF IN THIS REGARD, NO CHANGE OR AMENDMENT HAS BEEN
           MADE IN THE CHARTER, ACT OF INCORPORATION, OR ARTICLES OF ASSOCIATION OF THE
           INSURER AND NO CHANGE HAS BEEN MADE IN THE CHIEF AGENCY OR CHIEF AGENT IN CANADA,
           WITHOUT THE SUPERINTENDENT OF FINANCIAL INSTITUTIONS HAVING BEEN DULY NOTIFIED OF
           SUCH CHANGE OR AMENDMENT.

      6.   I MAKE THIS AFFIDAVIT KNOWING THAT THE SUPERINTENDENT OF FINANCIAL INSTITUTIONS
           (CANADA) IS RELYING ON IT FOR THE PURPOSE OF DETERMINING THE FINANCIAL POSITION OF THE
           INSURANCE BUSINESS IN CANADA OF (INSURER NAME) AS AT                          AND,
                                                                                     (Day, Month, Year)

           MORE SPECIFICALLY, OF DETERMINING THE VALUE OF THE ASSETS THAT THE INSURER IS
           REQUIRED TO MAINTAIN IN CANADA PURSUANT THE INSURANCE COMPANIES ACT (CANADA)
           AND THE REGULATIONS MADE PURSUANT TO THE ACT.




                                                                                        CHIEF AGENT IN CANADA

SWORN BEFORE ME AT THE
OF                                           IN THE PROVINCE
OF                                              THIS
DAY OF                                                    20




(STATE WHETHER COMMISSIONER OR NOTARY PUBLIC)
                                                                                     LIFE-2 (2005)
                                                                                     Next Page is 10.001
                                        10.001

Insurer                                                                                  Year


                                     AFFIDAVIT


I,                                                        OF THE
OF                                               IN THE                                         OF



MAKE OATH AND SAY AS FOLLOWS:


     1. I AM THE PRESIDENT/CHIEF EXECUTIVE OFFICER OF THE INSURER.

     2. ALL OF THE LIABILITIES OF THE INSURER IN RESPECT OF ITS INSURANCE BUSINESS
        IN CANADA AS AT THE END OF 20______ HAVE BEEN, TO THE BEST OF MY INFORMATION,
        KNOWLEDGE AND BELIEF, AFTER HAVING TAKEN ALL REASONABLE STEPS TO INFORM
        MYSELF IN THIS REGARD, REPORTED TO THE CHIEF AGENT IN CANADA OF
        THE INSURER.

     3. I MAKE THIS AFFIDAVIT KNOWING THAT THE SUPERINTENDENT OF FINANCIAL
        INSTITUTIONS (CANADA) IS RELYING ON IT FOR THE PURPOSE OF DETERMINING THE
        FINANCIAL POSITION OF THE INSURANCE BUSINESS IN CANADA OF THE INSURER
        AT THE END OF 20______ AND, MORE SPECIFICALLY, OF DETERMINING THE VALUE OF
        THE ASSETS THAT THE INSURER IS REQUIRED TO MAINTAIN IN CANADA PURSUANT
        TO THE INSURANCE COMPANIES ACT (CANADA) AND THE REGULATIONS MADE
        PURSUANT TO THAT ACT.




                                                  PRESIDENT/CHIEF EXECUTIVE OFFICER


SWORN BEFORE ME AT THE
OF                          IN THE
OF                            THIS
DAY OF                          20




(STATE WHETHER COMMISSIONER OR NOTARY PUBLIC)



                                                                   LIFE-2 (2005)
                                                                   Next Page is 10.010
                                                      10.010

Insurer                                                                                               Year

                                      ANNUAL CORPORATE INFORMATION

                                       RETURN FOR THE YEAR ENDED:
                                                                                 (Day, Month, Year)

NAME OF INSURER
HEAD OFFICE - Address


Chief Agent in Canada - Name:
Canadian Branch - Address:

Telephone:
Website:
Email Address:

Chief Agent's Address:
(if different from Canadian Branch)
Telephone:
Website:
Email Address:


                                      Contact Persons (Other than Chief Agent)

Corporate:                                                          Statement Reporting:
Name:                                                               Name:
Title:                                                              Title:
Telephone:                                                          Telephone:
Fax:                                                                Fax:
Email Address:                                                      Email Address:

Trustee in Canada - Name:
Mailing Address of Trustee:


Telephone:
Fax:
Email Address:


External Auditor:

Name:
Address:


Audit Partner:
Telephone:
Fax:
Email Address:


Appointed Actuary:

Name:
Firm (if external):
Address:


Telephone:
Fax:
Email Address:



                                                                              LIFE-2 (2005)
                                                                              Next Page is 10.020
                                                        10.020

Insurer                                                                                                       Year

                          CORPORATE AND REGULATORY INFORMATION
 1.   Date of Incorporation
      Jurisdiction of Incorporation
      If an amalgamated insurer, provide details regarding incorporation of predecessor companies.




 2.   Date of Registration in Canada
 3.   Date commenced business in Canada
 4.   If mutual company, date when mutualization completed
 5.   If formerly a mutual company, date when demutualization completed
 6.   Instrument of incorporation and amendments, including continuance since date of last annual return.
      (Instruments, Legislative Bodies and Dates)




7.    Please indicate the date of last examination or inspection by the regulatory authorities in the home
      jurisdiction and the year of the statement examined.
8.    Has a copy of the latest report of examination / inspection conducted by the home jurisdiction been
      submitted to OSFI?                                    080 Yes                               No
      If no, is a copy enclosed.                            090 Yes                               No
9.    Have there been any restrictions on the license, cease and desist orders, or other regulatory
      directions issued in the home jurisdiction since the last annual return was filed with OSFI?
                                                             100 Yes                               No
      If yes, please provide details.




10.   Does the insurer currently meet the capital adequacy requirements of its home jurisdiction?
                                                          110 Yes                                No
      If no, please provide details on the steps being taken to ensure capital adequacy.




11.   Is the insurer rated by credit agencies?                 120 Yes                             No
      If yes, please provide details of the rating history below: *
                                                                         Rating as at December 31,
      Name of Rating Agency:                     CY           CY-1             CY-2         CY-3              CY-4
                                                (07)          (08)             (09)         (10)              (11)
                                        210
                                        220
                                        230
                                        240
                                        250

      * If rated for items other than "claims-paying ability" please provide            LIFE-2 (2005)
      details on a separate page and identify the purpose of each rating.               Next Page is 10.040
                                                   10.040

Insurer                                                                                               Year


                              CORPORATE ORGANIZATION CHART
  Complete or attach a chart showing the interrelationships between the insurer, its immediate and ultimate
    parent, if applicable, and all other affiliated corporations (upstream and downstream), identifying the
                                   percentage of beneficial ownership of each.




                                                                                     LIFE-2 (2005)
                                                                                     Next Page is 10.050
                                                                 10.050

Insurer                                                                                                                            Year


                                                GENERAL INTERROGATORIES
                                                                                                                                Balance
   1.1 Does the Canadian Branch invest in any of the following.                                                                Sheet Value
       If so please indicate total amounts:                                                                                      ($'000)
                a) Mortgage Backed Securities                                  010    Yes                    No
                b) Collateralized Mortgage Obligations: Canada                 020    Yes                    No
                                                        U.S.A.                 030    Yes                    No
                                                        Other                  040    Yes                    No
                c) Other Asset Backed Securities                               050    Yes                    No
                d) Zero Coupon Bonds:                   Corporate              060    Yes                    No
                                                        Government             070    Yes                    No
                e) Floating Rate Bonds                                         080    Yes                    No
                f) Structured Notes                                            090    Yes                    No
                g) Leases                                                      100    Yes                    No

   1.2 Does the Canadian Branch have any inadmissible assets (i.e., investments in subsidiaries and affiliates as defined
       in I.C.A. section 612) in its vested trust account?
                                                                         210 Yes                                  No
                                                           If Yes, Amount ($'000)
       If yes, please provide details.




   2.1 Does the insurer have any material contingent liabilities or contractual obligations or other off-balance sheet liabilities
       in Canada that have not otherwise been disclosed?
                                                                             510 Yes                                 No
                                                                If Yes, Amount ($'000)
       If yes, please provide details.




   2.2 Does the insurer have any unfunded liabilities in respect of pension plans for Canadian employees?
                                                                            610 Yes                                      No
                                                               If Yes, Amount ($'000)
       If yes, please provide the amounts and outline the manner in which the insurer will fund these
       liabilities over time.




   2.3 Is there any certified class action litigation against the insurer and/or any of its subsidiaries that affects the
       Canadian Branch specifically or that is related to the Canadian Branch business?
                                                                                710 Yes                                   No
       If the answer is in the affirmative, please elaborate:




                                                                                                                  LIFE-2 (2007)
                                                                                                                  Next Page is 10.060
                                                                        10.060

Insurer                                                                                                                     Year


                                                          GENERAL INTERROGATORIES

    3.1 During the period covered by this return, did any agent, general agent, broker, sales representative,
        sale / service organization or any combination thereof under common control receive credit or commissions
        for or control a substantial part (more than 20 percent of any major line of business measured on
        direct premiums) of:
                   (a) new business in Canada?                    060          Yes                      No
                   (b) renewals in Canada?                        070          Yes                      No
        If Yes, please identify the individual(s) or organization(s) and related line of business.




    3.2 Does the insurer sell variable policies or contracts in Canada out of its general fund which are matched against:
        1) other institutions' variable units                    160        Yes                          No
        2) other market indexes                                  170        Yes                          No

          If yes, in either instance, provide a detailed explanation of the arrangement including amounts by policy
          type and how the matched assets are valued in the general fund.




    4.1 Has the insurer entered into any networking arrangements with other financial institutions to
        market, service, distribute or supply products in Canada?
                                                               210        Yes                                  No
        If yes, please provide the names and types of products sold through such arrangements.




    5.1 Has the insurer issued any policies in Canada (as defined in subsection 2(1) of the ICA)
        in other than Canadian Currency?                      310         Yes                                  No
          If Yes provide the following:

                                                            Type of Currency         Number of             Canadian $'000
                                                                                 Policies in Canada     Net Actuarial Liabilities
                                                                 (08)                    (13)                    (18)
                             ......................…340
          .........................                              U.S.
                              .....................…350
          .........................                              U.K.
                              .....................…360
          .........................
                              .....................…370
          .........................
                             ......................…380
          .........................
                              .....................…390
          .........................




                                                                                                      LIFE-2 (2009)
                                                                                                      Next Page is 10.070
                                                  10.070

Insurer                                                                                              Year


                                   GENERAL INTERROGATORIES

    5.2 Please provide a description of the methods used in apportioning items of income and
        expenditure by line of business, for the Canadian Branch:




    5.3 If items of extraordinary income have been reported, please provide details.




    5.4 Has the insurer received approval to process any records outside Canada?
                                                           310        Yes                     No
        If yes, have there been any changes with respect to the processing or records outside of
        Canada since the approval of the Superintendent in respect of processing outside Canada?
                                                           320        Yes                     No
        If there have been changes, please describe the nature of the changes.




    5.5 Does the insurer have written policies with respect to market conduct practices, including
        a code of ethical sales practice?                    410       Yes                      No

    5.6 Please provide the total expenses related to Information Technology (IT) for
        the year for the Canadian Branch. IT costs include salaries and other professional or service fees
        as well as any amounts capitalized for software development or computer purchases.

          Information Technology                            510     ($'000)

          Capital Software Cost                             520     ($'000)




                                                                              LIFE-2 (2009)
                                                                              Next Page is 15.010
                                                                 15.010

Insurer                                                                                                              Year

                      ABSTRACT OF THE REGULATORY FILING WITH THE HOME JURISDICTION
                                  OF THE INSURER'S WORLDWIDE BUSINESS

                 THIS SCHEDULE RELATES TO THE TOTAL BUSINESS OF THE FOREIGN INSURER
                  (WHICH IS NOT SUBJECT TO CANADIAN GAAP), THE NON CANADIAN BUSINESS
                                   OF WHICH IS NOT REGULATED BY OSFI


                                                              ASSETS
                                                                ($'000)
                                                                                                Current Year    Prior Year
                                                                                                    (01)           (03)
                                                                                                     Conversion Rate*
                                                                                               $Cdn=         $Cdn=
                                                                                       001

TOTAL ASSETS ..............................................................................
                                                                                  899


                                                                           919
Total Assets in Segregated Funds .............................................................


                                                                930
Home Jurisdiction's year-end date of Financial Information ...........
                                                                                                   dd,mm,yy


                                                                                       950
Original Currency ..................................................................................


*Use the conversion rate to Canadian currency as at December 31 of reporting year




                                                                                               LIFE-2 (2005)
                                                                                               Next Page is 15.020
                                                                      15.020

Insurer                                                                                                                       Year

                          ABSTRACT OF THE REGULATORY FILING WITH THE HOME JURISDICTION
                                      OF THE INSURER'S WORLDWIDE BUSINESS

                     THIS SCHEDULE RELATES TO THE TOTAL BUSINESS OF THE FOREIGN INSURER
                      (WHICH IS NOT SUBJECT TO CANADIAN GAAP), THE NON CANADIAN BUSINESS
                                       OF WHICH IS NOT REGULATED BY OSFI


               LIABILITIES, POLICYHOLDERS' AND SHAREHOLDERS' EQUITY
                                                                      ($'000)

                                                                                                         Current Year    Prior Year
                                                                                                             (01)           (03)
                                                                                                              Conversion Rate*
                                                                                                        $Cdn=         $Cdn=
                                                                                                  001
Total Liabilities .....................................................................................................
                                                                                                  389
Total Policyholders' and Shareholders' Equity ............................................................
                                                                                                  499
TOTAL LIABILITIES AND EQUITY .....................................................................899


                                                                                      919
Total Liabilities in Segregated Funds ............................................................................



                                                                        930
Home Jurisdiction's year-end date of Financial Information ......................
                                                                                                             dd,mm,yy



                                                                                                950
Original Currency ...............................................................................................


*Use the conversion rate to Canadian currency as at December 31 of reporting year



                                                                                                        LIFE-2 (2005)
                                                                                                        Next Page is 15.030
                                                                       15.030

Insurer                                                                                                                         Year

                           ABSTRACT OF THE REGULATORY FILING WITH THE HOME JURISDICTION
                                       OF THE INSURER'S WORLDWIDE BUSINESS

                      THIS SCHEDULE RELATES TO THE TOTAL BUSINESS OF THE FOREIGN INSURER
                       (WHICH IS NOT SUBJECT TO CANADIAN GAAP), THE NON CANADIAN BUSINESS
                                        OF WHICH IS NOT REGULATED BY OSFI


                                                       INCOME STATEMENT
                                                                       ($'000)

                                                                                                           Current Year    Prior Year
                                                                                                               (01)           (03)
                                                                                                                Conversion Rate*
                                                                                                          $Cdn=         $Cdn=
                                                                                                001
Total Revenue .......................................................................................................
                                                                                                199
Total Benefits and Expenses ....................................................................................
                                                                                                649
Net Income Before Income Tax and Extraordinary Items ........................                   669
Net Operating Income before Extraordinary Items ............................................... 749
                                                                                                  800
Extraordinary Items ........................................................................................
Net Income ..........................................................................................................
                                                                                                  899



                                                                          930
Home Jurisdiction's year-end date of Financial Information ........................
                                                                                                               dd,mm,yy



                                                                                                 950
Original Currency ..............................................................................................


*Use the conversion rate to Canadian currency as at December 31 of reporting year



                                                                                                          LIFE-2 (2005)
                                                                                                          Next Page is 15.040
                                                             15.040

Insurer                                                                                                                    Year


                 ABSTRACT OF THE REGULATORY FILING WITH THE HOME JURISDICTION
                             OF THE INSURER'S WORLDWIDE BUSINESS

             THIS SCHEDULE RELATES TO THE TOTAL BUSINESS OF THE FOREIGN INSURER
              (WHICH IS NOT SUBJECT TO CANADIAN GAAP), THE NON CANADIAN BUSINESS
                               OF WHICH IS NOT REGULATED BY OSFI


                                CAPITAL / SOLVENCY INFORMATION
                                                             ($'000)


                                                                                                  Current Year Prior Year
                                                                                                        (01)               (03)
                                                                                                        Conversion Rate*
                                                                                                  $Cdn=                 $Cdn=
                                                                                           001

     Capital Required by Home Jurisdiction ...................................................
                                                                       100
     Capital Available / Recognized by Home Jurisdiction ..........................
                                                               200



     Capital / Solvency Ratio As Calculated for the
                Home Jurisdiction ...................................................
                                                                               300




     Home Jurisdiction Minimum Acceptable Ratio ...................
                                                                899



                                                                   930
     Home Jurisdiction's year-end date of Financial Information ........................
                                                                              dd,mm,yy



                                                                                         950
     Original Currency ..............................................................................................



     *Use the conversion rate to Canadian currency as at December 31 of reporting year

     Comments:




                                                                                                  LIFE-2 (2005)
                                                                                                  Next Page is 20.010
                                                                                 20.010
                                                                                                                                                (Date)
Insurer


                                                                               ASSETS
                                                                                 ($'000)

Reference                                                                                            Current Year                   Prior Year
  Page                                                                                            Total       Vested in        Total        Vested in
                                                                                                                Trust                         Trust
                                                                                                  (01)          (02)           (03)            (04)


                                                                                   010
            Cash .........................................................................................
 21.012                                                                040
            Short Term Investments ...........................................
                                                                    070
            Accrued Investment Income ................................................
21.150 or
 98.055                                                                  100
            Accounts Receivable ...............................................................
                                                                               200
            Policy Loans ..............................................................
 21.012     Bonds and Debentures ………………………..                                        250
                                                                            300
            Mortgage Loans .......................................................
 21.012                                                                     420
            Preferred Shares .........................................................
 21.012                                                                   440
            Common Shares .........................................................
                                                                                500
            Real Estate .................................................................
                                                                       550
            Other Equity Investments ..........................................................
                                                                 600
            Other Loans and Invested Assets ..........................................................
                                                                         700
            Interests in Joint Ventures ......................................................
                                                                       750
            Investments in Subsidiaries .....................................................
                                                                         800
            Future Income Taxes ..........................................................
            Goodwill ………......................................................
                                                                          820
            Intangible Assets ………………………………                                          830
 98.055     Other Assets .................................................... 880
            TOTAL ASSETS ....................................................................
                                                                        899

 60.010     Total Segregated Funds Net Assets ………………………….
                                                  929

                                                                                                                          LIFE-2 (2010)
                                                                                                                          Next Page is 20.020
                                                                        20.020

Insurer                                                                                                                                        Year



                                         LIABILITIES, HEAD OFFICE ACCOUNT

                                                                          and

                     ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)
                                                                        ($'000)

Reference                                                                                                              Current Year          Prior Year
  Page                                                                                                                     (01)                 (03)
            Liabilities

 22.010     Net Actuarial Liabilities ……………………………..……………………………………………..
                                                          010
 22.020                                                                                     040
            Other Insurance Policy & Contract Liabilities .........................................
22.030 or
 98.055                                                                                                 100
            Accounts Payable ......................................................................................................
 21.080                                                                       130
            Mortgage Loans and Other Real Estate Encumbrances ..........................
 22.030                                                                                                      160
            Other Liabilities .........................................................................................................
 23.020     Net Deferred Gains (Losses) on Real Estate:
                     Backing Liabilities …………………………………………….. 180
                     Backing Head Office Account …………………………………………………..
                                                              240
                                                                                                      250
            Future Income Taxes .................................................................................................
                                                                                                             310
            Other Debt ...............................................................................................................
            Total Liabilities ............................................................................................................
                                                                                                            389

 20.044     Head Office Account ...........................................................................
                                                                                                     800

 20.046     Accumulated Other Comprehensive Income (Loss) ………………………………………………..
                                                               840

            TOTAL LIABILITIES, HEAD OFFICE ACCOUNT and

            ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) ....................
                                                           899




                                                                                                                      LIFE-2 (2010)
                                                                                                                      Next Page is 20.030
                                                                     20.030

Insurer                                                                                                                                Year


                                                     INCOME STATEMENT
                                                                     ($'000)

 Reference                                                                                                       Current Year        Prior Year
   Page                                                                                                              (01)               (03)
             Revenue
  45.010             Premiums…………………………………………………………..
                                                 040
  23.010                                                                                   070
                     Net Investment Income ............................................................................
                     Fee Income ………………………………………………………
                                                  130
  23.030                                                                                         160
                   Other Revenue .........................................................................................
             Total Revenue ............................................................................................
                                                                                                 199
             Policy Benefits and Expenses
  35.010             Policyholder Benefits ………………………………...………………………………
                                                           250
                     Net Changes to Actuarial Liabilities
  35.010                                                                                             300
                              Normal ................................................................................
  35.010                                                                                        330
                              Basis Change ................................................................................
  35.010             Policyholder Dividends …………………………………….
                                                          360
  35.010                                                                                390
                     Experience Rating Refunds .........................................................................
  35.010                                                                       420
                     Transfer to and (Transfer from) Other Funds ................................
  45.010                                                                                        450
                     Commissions ............................................................................
  35.010                                                                       480
                     Interest on Policyholder Amounts on Deposit .........................................
  23.030                                                                                        510
                     Interest Expense ..............................................................................
  23.030                                                                 540
                     General Expenses and Taxes (excl. Income Taxes) .....................................
  23.030           Other Expenses …………………………………………….                                   570
             Total Benefits and Expenses ......................................................................
                                                                                       649
             Income Before Income Tax ……………………………………..
                                                    669
             Provision for Income Taxes
                                                                                                      700
                     Current ...................................................................................................
                                                                                                    710
                  Future .........................................................................................
             Income Before the following: .......................................................................
                                                                                                    749
  35.010                                                                    800
                     Extraordinary Items (net of income taxes of $_____) ...........................
  35.010           Discontinued Operations
                    (net of Income Taxes of $________) ……………………………………………………………                     830
  35.010     Net Income .....................................................................................
                                                                                                   899

             Premiums on Reinsurance Agreements
                     Deducted in arriving at Net Premiums ……………………………………………
                                                                 940
                     Deducted & not included in gross premiums ……………………………………..
                                                                   941

                                                                                                               LIFE-2 (2008)
                                                                                                               Next Page is 20.044
                                                            20.044

Insurer                                                                                                                   Year




                                        HEAD OFFICE ACCOUNT
                                                            ($'000)

 Reference
   Page                                                                                           Current                 Prior
                                                                                                   Year                   Year
                                                                                                   (01)                   (03)

                                                                         010
             Beginning of Year ..........................................................................
                                                                                     040
                  .....................................................................................................
                                                                                     070
                  .....................................................................................................
  20.030                                                                100
             Net Income (Loss) ........................................................................
                                                                  130
             Transfer from (to) Head Office .......................................................
             End of year ...................................................................................
                                                                            889




                                                                                            LIFE-2 (2005)
                                                                                            Next page is 20.046
                                                          20.046

Insurer                                                                                                           Year

                                 COMPREHENSIVE INCOME (LOSS)
                                                and
                         ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)
                                        ($'000)

Reference                                                                                      Current            Prior
  Page                                                                                          Year              Year
                                                                                                (01)              (03)

            Comprehensive Income (Loss)
 20.030                                                                                             010
              Net Income ...................................................................................................................
              Other Comprehensive Income (Loss):
                  Available for Sale:
                     Change in Unrealized Gains and Losses:
                       - Loans ..................................................................................................
                                                                                                    110
                       - Bonds and Debentures …….....…......……………………....                            140
                       - Equities ..................................................................................................
                                                                                                    170
                     Reclassification to Earnings of (Gains) Losses ……………                           210
                  Derivatives Designated as Cash Flow Hedges
                     Change in Unrealized Gains and Losses ………………………………………..                        310
                     Reclassification to Earnings of (Gains) Losses ……………                           340
                  Foreign Currency Translation
                     Change in Unrealized Gains and Losses ……………………………………………………………………               410
                     Impact of Hedging ………………………………………………………                                        440
                  Other ………………………………………………………………………………………….                                         480
              Total Other Comprehensive Income (Loss) …………………………………………………………..                      510
            Total Comprehensive Income (Loss) …………………………………………………………………………..                        589

                                                                                               Current            Prior
                                                                                                Year              Year
                                                                                                (01)              (03)
            Accumulated Other Comprehensive Income (Loss)
              Accumulated Gains (Losses), net of tax, on:
                 Available for Sale:
                  - Loans ………………………………………………………………………………  710
                  - Bonds and Debentures ………………………………………………………………………………
                                                          740
                  - Equities ………………………………………………………………………………
                                                          770
                   Derivatives Designated as Cash Flow Hedges ………………………………..
                                                                    810
                   Foreign Currency (Net of Hedging Activities) …………………………………
                                                                    840
                   Other ………………………………………………………………………………………….
                                                 880
 20.020        Balance at end of Year ……………………………………………………………………………………….
                                                      899



                                                                                           LIFE-2 (2008)
                                                                                           Next Page is 20.050
                                                                                       20.050

Insurer                                                                                                                                                                   Year
                                                                  STATEMENT OF CASH FLOWS
                                                                          ($'000)
                                                                                                                                              Current                     Prior
                                                                                                                                               Year                       Year
                                                                                                                                               (01)                       (03)
Cash flows from (used in) operating activities:
                                                                                                                              020
  Net Income (loss) for the year ..................................................................................................................................
  Adjustment for:
                                                                                                                              040
     Decrease (increase) in Accrued Investment Income .................................................................................................
                                                                                                                              060
     Decrease (increase) in Accounts Receivable ..........................................................................................................................
                                                                                                                              080
     Future Income Tax Expense (Benefit) .............................................................................................................
     Increase (decrease) in Net Actuarial Liabilities ……………………………….100
     Increase (decrease) in Other Insurance Policy & Contract Liabilities .................................                   120
     Increase (decrease) in Accounts Payable and Other Liabilities ……………………………………………………                                       140
                                                                                                                              160
     Amortization of Capital Assets .................................................................................................
                                                                                                                              180
     Amortization of Premium (discount) on Investments .............................................................................
     Amortization of realized and unrealized losses (gains) on Investments ......................................             200
                                                                                                                              220
     Amortization of Goodwill and Other Intangible Assets ..............................................................................................................
     Fair value (gains) losses on held for trading assets …………………………………………………………………..                                         230
                                                                                                                              240
     .......................................................................................................................................
Cash flows from (used in) operating activities ...........................................................................................
                                                                                                                              299

Cash flows from (used in) investing activities:
  Short Term Investments - (purchases) proceeds on maturity/sale ……………………                                                      320
  Policy Loans - (loan advances) proceeds on repayment ……………………………….                                                           340
  Bonds and Debentures - (purchases) proceeds on maturity/sale ………………                                                          360
                                                                                                                               380
  Mortgage Loans - (purchases and loans underwritten) ............................................................................................................
                                                                                                                               400
                                 - proceeds on maturity/sale/repayment ...........................................................................................
  Preferred and Common Shares - (purchases) proceeds on disposition………….                                                       420
  Real Estate - (purchases) proceeds on sale …………………………………………                                                                  440
  Other Loans and Invested Assets - (purchases) proceeds on sale …………… 460
  (Purchase) sale of Goodwill and Other Intangible Assets ..............................................                       490
                                                                                                                               500
  .................................................................................................................................................................................
Cash flows from (used in) investing activities ...................................................................................................
                                                                                                                               599

Cash flows from (used in) financing activities:
  Increase in (repayment of) Mortgage Loans and
       Other Real Estate Encumbrances………………………………………………….                                                                      610
  Increase in (repayment of) Other Debt………………. ........................................................                        630
                                                                                                                               650
  Transfer from (to) Head Office...........................................................................................................
                                                                                                                               700
  ...........................................................................................................................................................................
Cash flows from (used in) financing activities .......................................................................................
                                                                                                                               799

Increase (decrease) in cash and cash equivalents (lines 299 + 599 + 799) ......................................................
                                                                             849

Cash and cash equivalents at beginning of year ..................................................................................
                                                                                             880
Cash and cash equivalents at end of year (lines 849 + 880) .....................................................................
                                                                                             899

Cash and cash equivalents at end of year consist of:
                                                                                                                          900
  Cash ...........................................................................................................................................................
                                                                                                                          920
  Cash equivalents ..........................................................................................................................................
                                                                                                                          940
  (Overdrafts) ................................................................................................................................................................

*This statement is provided as a guide only. Insurers may complete this page or                                                                                  LIFE-2 (2009)
 attach a Statement of Cash Flows as prepared for the insurer's financial statements.                                                                            Next page is 20.060
                                                  20.060

Insurer                                                                                              Year


                          NOTES TO THE FINANCIAL STATEMENTS*




*If notes to the financial statement are not finalized when filing the statement, please provide draft
notes and indicate clearly that they are draft notes.




                                                                                    LIFE-2 (2005)
                                                                                    Next Page is 20.070
                  20.070

Insurer                                     Year



           AUDITOR'S REPORT

          Due on or before May 31.




                                     LIFE-2 (2005)
                                     Next Page is 20.080
                                              20.080

Insurer                                                                                    Year



                           APPOINTED ACTUARY'S REPORT




I have valued the policy liabilities of the Canadian Branch of the [ABC Insurer] for its balance
sheet as at [December 31, xxxx] and their change in the statement of income for the year then
ended in accordance with accepted actuarial practice, including selection of appropriate
valuation assumptions and methods.



In my opinion, the amount of policy liabilities makes appropriate provision for all policyholder
obligations and the financial statements fairly present the results of the valuation.




                                                                    (Signature)




                                                                  (Name in Print)
                                               Fellow, Canadian Institute of Actuaries




          (Date)




                                                                                    LIFE-2 (2005)
                                                                                    Next Page is 21.010
                                                                                                                       21.012

Insurer                                                                                                                                                                                                                              Year

                                                                                                          SUMMARY OF INVESTMENTS
                                                                                                                (Vested in Trust)
                                                                                                                     ($'000)
                                                          Held for           Available       Fair Value    Cash Flow       Fair Value   Amortized     Balance        Specific     General      Impaired      Market Value Balance Sheet
                                                          Trading            for Sale         Hedges        Hedges          Option*       Cost          Sheet       Provisions   Provisions     Amount            of         Value of
                                                            (FV)               (FV)             (FV)                          (FV)         or           Value                                   (Before       Column 36    Assets Used
                                                                                                                                         MAMM**     Col. 11+16+21                             Provisions)                            to Back
                                                                                                                                                     +26+31+36                                                                    Index Linked
                                                                                                                                                                                                                                    Products
                                                            (11)                (16)            (21)         (26)               (31)      (36)          (40)           (46)         (51)         (56)              (60)                (70)
                                                       010
Short Term Investments ......................................................
Bonds and Debentures
Government
    Investment Grade ………………………………………………                035
    Below Investment Grade ..............................................................…
                                                       065
Municipal, Public Authority, Schools
    Investment Grade ………………………………………………                135
    Below Investment Grade ..............................................................…
                                                       145
Corporate - Public:
    Investment Grade ..............................................................…
                                                       200
    Below Investment Grade ..............................................................…
                                                       220
Corporate -Private:
    Investment Grade ..............................................................…
                                                       400
    Below Investment Grade ..............................................................…
                                                       420
Total Bonds and Debentures ........................................
                                                       479
                                                       500
Mortgage Loans ......................................................
Preferred Shares
    Fixed Term ………………………………………………………………….              530
    Equity Preferred ……………………………………………………………..         550
Total Preferred Shares ................................................
                                                       599
Total Common Shares ..................................................
                                                       659
Total Shares ..............................................................
                                                       679
                                                       759
Real Estate .....................................................
                                                       800
Other Equity Investments .............................................
Other Loans and Invested Assets …………………………..           870
Grand Total ................................................................…
                                                       889

* Assets designated as Held for Trading
** Moving Average Market Method

                                                                                                                                                                                                            LIFE-2 (2010)
                                                                                                                                                                                                            Next Page is 21.013
                                                                                                          21.020

Insurer                                                                                                                                                                                                Year


                                                                                           SUMMARY OF PROVISIONS
                                                                                          (Investments Vested in Trust)
                                                                                                     ($'000)
                                                                                                          Movement                                                                                  Current Year
                                                    Cumulative Provisions                                Current Year                             Foreign         Cumulative Provisions              Additional
                                                       Prior Year End            Additional Provisions     Release of Provisions      Total      Currency            Current Year End               Writedowns
                                               General    Specific       Total   General      Specific     General      Specific   (Col 16+21-  and Other    General      Specific       Total
                                                                                                                                     26-31)    Adjustments                            (Col 51+56)
                                                 (01)        (06)        (10)     (16)          (21)         (26)         (31)        (40)         (46)       (51)           (56)        (60)           (71)

Bonds & Debentures .................…………
                                    110

Mortgage Loans ........................…………..
                                       210

Real Estate ..............................……………….
                                           510

Other Equity Investments ............…………
                                    610

                                ……………………………………………………
Other Loans and Invested Assets710

Total ..........................................………………….
                                                889



Total Valuation Provision for

Asset Default Included in                                                (10)                                                         (40)                                               (60)

Actuarial Liabilities .....................................……………………………………………………………
                                           949




                                                                                                                                                                                      LIFE-2 (2006)
                                                                                                                                                                                      Next Page is 21.030
                                                                     21.030
                                                                                                                                        ___________
Insurer                                                                                                                                     Year

                                                   CORPORATE INVESTMENTS BY SECTOR
                                                    Bonds, Preferred and Common Shares
                                                              (Vested in Trust)
                                                                   ($'000)
                                        Bonds & Debentures        Preferred Shares        Common Shares                         Total
                                       Balance      Market      Balance        Market   Balance    Market               Balance        Market
Sector*                               Sheet Value   Value     Sheet Value       Value  Sheet Value Value              Sheet Value       Value
Bloomberg/(GICS)                                                                                                     Col. 01+21+31 Col. 06+26+36
                                          (01)         (06)         (21)         (26)          (31)         (36)           (40)          (50)
Energy
   Canada ……………………………………………………
                            011
   U.S.A. ………………………………………………….
                            012
   Other …………………………………………………030
   Total ……………………………………………………
                            049
Basic Materials/(Materials)
    Canada ……………………………………………………
                       061
    U.S.A. ………………………………………………….
                       062
    Other …………………………………………………
                       080
    Total ……………………………………………………
                       099
Industrial
   Canada ……………………………………………………    111
   U.S.A. ………………………………………………….    112
   Other …………………………………………………      130
   Total ……………………………………………………     149
Consumer Cyclical/(Discretionary)
   Canada ……………………………………………………  161
   U.S.A. ………………………………………………….  162
   Other …………………………………………………    180
   Total ……………………………………………………   199
Consumer Non-Cyclical/(Staples)
    Canada ……………………………………………………
                          211
    U.S.A. ………………………………………………….
                          212
    Other …………………………………………………
                          230
    Total ……………………………………………………
                          249
Diversified/(Health Care)
    Canada ……………………………………………………
                       261
    U.S.A. ………………………………………………….
                       262
    Other …………………………………………………
                       280
    Total ……………………………………………………
                       299
Financial
   Canada ……………………………………………………  311
   U.S.A. ………………………………………………….  312
   Other …………………………………………………    330
   Total ……………………………………………………   349
Technology/(Information Technology)
   Canada ……………………………………………………361
   U.S.A. ………………………………………………….362
   Other …………………………………………………  380
   Total …………………………………………………… 399
Communications/(Telecommunications)
     Canada ……………………………………………………
                        411
     U.S.A. ………………………………………………….
                        412
     Other …………………………………………………
                        430
     Total ……………………………………………………
                        449
Utilities
   Canada ……………………………………………………
                      461
   U.S.A. ………………………………………………….
                      462
   Other …………………………………………………
                      480
   Total ……………………………………………………
                      499
Other
    Canada ……………………………………………………
                       511
    U.S.A. ………………………………………………….
                       512
    Other …………………………………………………
                       530
    Total ……………………………………………………
                       549
Total - All Sectors
   Canada ……………………………………………………
                      819
   U.S.A. ………………………………………………….
                      829
   Other …………………………………………………
                      889
   Total ……………………………………………………
                      899

* Sector based on either the Bloomberg or GICS Sector Classification System. Specify Classification System Used _____________________
                                                                                                                                    LIFE-2 (2007)
                                                                                                                                    Next page is 21.040
                                                                                21.040

Insurer                                                                                                                                                      Year

                                                                      SIGNIFICANT EXPOSURES
                                                                       by Group of Companies*
                                                                           (Vested in Trust)
                                                                                ($'000)

          Name of Group                       Name of Company                    Bonds and      Mortgage       Preferred       Common    Other Loans    Reinsurance
                                                                                 Debentures      Loans          Shares          Shares       and          Ceded
                                                                                                                                         Investments
               (01)                                 (02)                            (06)           (11)           (16)           (26)        (31)             (36)




Total ………………………………………………...………………………………………………….
                                          899

*Exposures to individual corporations or a group of related companies where the total amount invested,
advanced and/or reinsured exceeds the greater of 5% of the Head Office Account or $500,000. Include investments in and loans                           LIFE-2 (2005)
to controlling shareholders, whether individuals or corporations.                                                                                      Next Page is 21.050
                                                                       21.050

Insurer                                                                                                                                               Year


                                                             MORTGAGE LOANS
                                                              (Vested in Trust)
                                                                   ($'000)

                                           Balance                               Unsatisfactory Loans
                              Number        Sheet      Unsatisfactory Restructured Unsatisfactory   Impaired       Total            General           Balance
             Category           of          Value         Loans         Loans      Non-Impaired     Amount     Unsatisfactory      & Specific         Sheet
                             Mortgages     Before       (>90 Days)                    Loans                       Loans           Provisions           Value
                                          Provisions                                (> 90 days)                 (Col. 11+16
                                                                                                                  +21+26)
                               (01)          (06)           (11)          (16)          (21)            (26)        (31)              (36)             (41)

INSURED ………………………………….
                  010
UNINSURED
 Single Residential …………………………………..
                          110
 Multiple residential …………………………………….
                            160
 Office ……………………………………..
                    210
 Retail Stores ……………………………….
                       260
 Industrial ……………………………………
                      310
 Hotel ………………………………………..
                   360
 Other ………………………………………
                   410
 General Provisions……………………………………
                         460
TOTAL …………………………………………   699
Attributable to:
    Owner-occupied …………………………….
                         701
    Investor-owned mortgages …………………………
                              706


Second and subsequent
mortgage loans ……………………………..
                       710


                                                                                                                                LIFE-2 (2009)
                                                                                                                                Next Page is 21.060
                                                                                               21.060

Insurer                                                                                                                                                                      Year


                                                                         MORTGAGE LOANS - 25 LARGEST UNINSURED
                                                                                         (Vested in Trust)
                                                                                              ($'000)

          Name of Borrower         Indicate* Number of     Rate of    Maturity    Balance       Specific       Amount of                 Security
                                              Days in      Interest    Date       of Loan      Provisions     Cumulative    Address of    Property   Market Value             Year
                                              Arrears                              (Before                       Prior       Property      Type**     of Property           Property
                                                                                 Provisions)                 Encumbrances                                                  Appraised
                 (02)                (06)        (11)        (16)      (21)          (26)         (31)           (36)          (41)         (46)           (51)               (56)




899 Total 25 largest



* Indicate by asterisk mortgaged properties owned by subsidiaries.
** Property Type defined in instructions.                                                                                                            LIFE-2 (2007)
                                                                                                                                                     Next Page is 21.080
                                                                                                               21.080

Insurer                                                                                                                                                                                                             Year


                                                               REAL ESTATE - VALUATION, AND AMORTIZATION OF UNREALIZED GAINS AND LOSSES
                                                                           REAL ESTATE OWNED DIRECTLY BY THE CANADIAN BRANCH
                                                                                             (Vested in Trust)
                                                                                                  ($'000)

   Address of Property        %         Property   Property      Year      Balance     Additions   Sum of               Details of Appraisal        Amortized Foreign   Balance    Cumulative Net Income      Mortgage
    (including country)       of         Type*     Code**      Acquired     Sheet     (Deletions)  Capital        Year of   Appraised Adjusted          to    Currency   Sheet      Specific     During        Loans
                           Ownership                                        Value    (Writedowns) Additions      Appraisal     Value     Appraised   Income Adjustment    Value    Provisions     Year           and
                                                                            Before      During    Since Last                                Value     During             Before                (excluding       Other
                                                                          Provisions     Year     Appraisal                               (36 + 46)    Year            Provisions             amortization) Encumbrances
                                                                           Beg. of                                                                                     End of Year
                                                                             Year                                                                                       (21+26+
                                                                                                                                                                         56+61)

           (01)               (03)        (06)       (11)        (16)        (21)         (26)         (36)         (41)        (46)        (51)      (56)    (61)       (66)        (71)           (76)            (81)




Subtotal - All Others …………………..
                      099
Total ……………………………………..
             899


                                                                                                                                          (86)
                                       Total Amount (Property by Property Basis) Where Adjusted Appraised
                                       Value is Less Than Balance Sheet Value .....................................................……………………………………….
                                                                                                                                  949
* Property type defined in instructions.
** Use Codes: "O": Own Use; "I": Investment; "FS": Foreclosed Held for Sale; and "FI": Foreclosed Held for Investment.
                                                                                                                                                                                              LIFE-2 (2008)
                                                                                                                                                                                              Next Page is 21.100
                                               21.100

Insurer                                                                          Year


                                  OTHER EQUITY INVESTMENTS
                                       (Vested in Trust)


                                                                 % of          Other
                            Description                        Interest       Equity
                                                                           Investments
                                                                              ($'000)
                                                                 (01)           (06)
Part A - Other Equity Investments - Report Top 10
                                               001
                                               002
                                               003
                                               004
                                               005
                                               006
                                               007
                                               008
                                               009
                                               010
 Subtotal of remaining ……………………………………………………………..
                                               019
 Total - Other Equity Investments ……………………………………………
                                               099

                             OTHER LOANS AND INVESTED ASSETS
                                      (Vested in Trust)



                            Description                        Interest     Fixed Term
                                                                 Rate      Investments
                                                                              ($'000)
                                                                 (11)           (16)
Part B - Other Loans and Invested Assets - Report Top 10
                                                  201
                                                  202
                                                  203
                                                  204
                                                  205
                                                  206
                                                  207
                                                  208
                                                  209
                                                  210
 Subtotal of remaining ……………………………………………………………..  219
 Total - Other Loans and Invested Assets …………………………………..
                                                  299

                                                                          LIFE-2 (2005)
                                                                          Next Page is 21.110
                                                                                                              21.110

Insurer                                                                                                                                                                                                          Year


                                                                                         DERIVATIVE INSTRUMENTS RISK PROFILE
                                                                                                         ($'000)

                                                                                                             Gross Notional Principal Amount at year end
                                                                       Employed                                                                                                          Credit Risk**
                                                                         by the                                                                  Remaining Term of Exposure                (Positive
                                                                        Insurer               Total       Over the        Amount                                                            Mark to              Credit
                                                                                Risk*        Notional     Counter         held for         Less than                            Over        Market             Equivalent
                                                                 Yes/No         Role         Amount       Amount          Trading           1 Year          1 - 5 Years        5 Years    Exposure)             Amount
                                                                  (01)          (02)          (07)          (17)            (22)             (27)               (32)             (37)        (42)                 (47)
Interest Rate Contracts:
     Forward rate agreements .............  010
                                            020
     Futures contracts .........................
                                            030
     Swap contracts ...........................
                                            040
     Options purchased ......................
                                            050
     Options written ............................
     Subtotal .....................................
                                            099

Foreign Exchange Contracts:
    Foreign exchange spot
                                           210
    and forward contracts ....................
                                           220
    Futures contracts .........................
                                           230
    Swap contracts ............................
                                           240
    Options purchased .......................
                                           250
    Options written ............................
    Subtotal ....................................
                                           299

Other:
                                              310
    Equity Related ............................
    Commodity Related ...................     320
    Credit Default Instruments ……………………………..  325
                                              330
    Other ...........................................
    Subtotal ....................................
                                              399

Total ........................................................
                                                  499
    Adjustment for master
    netting agreements .......................... 550
Total - Net of Adjustment ......................................
                                    899

*Legend - Risk Role                                                                                                    ** Refer to instructions regarding netting of amounts
1. Hedging                                        2. Trading               3. Market-maker              4. Other
                                                                                                                                                                                         LIFE-2 (2009)
                                                                                                                                                                                         Next Page is 21.120
                                                                                                                            21.120

Insurer                                                                                                                                                                                                                                          Year

                                                                                                     DERIVATIVE INSTRUMENTS RISK PROFILE
                                                                                                    GROSS/NET MARK TO MARKET EXPOSURES
                                                                                                                           ($'000)
I.                           Total Net Positive Mark to Market Exposures by Credit Rating and Contract Class
                                Interest Rate Contracts      Foreign Exchange Contracts          Equity Contracts               Commodity Contracts              Credit Default Instruments             Other                            Total
                               Related      Arm's Length       Related     Arm's Length       Related      Arm's Length       Related      Arm's Length          Related      Arm's Length    Related     Arm's Length      Related        Arm's Length
                                (01)            (02)            (11)           (12)            (21)            (22)            (31)            (32)               (36)            (37)         (41)           (42)           (51)              (52)
                     010
AAA ....................
                     020
AA .......................
                     030
A ........................
                     060
BBB ....................
Below BBB .......... 070
                     080
Unrated ...............
                     099
Total ...................


II.                          Total Gross Positive Mark to Market Exposures by Credit Rating and Contract Class
                                Interest Rate Contracts     Foreign Exchange Contracts           Equity Contracts               Commodity Contracts              Credit Default Instruments             Other                            Total
                               Related      Arm's Length       Related     Arm's Length       Related      Arm's Length       Related      Arm's Length          Related      Arm's Length    Related     Arm's Length      Related        Arm's Length
                                (01)            (02)            (11)           (12)            (21)            (22)            (31)            (32)               (36)            (37)         (41)           (42)           (51)              (52)
                     110
AAA ....................
                     120
AA .......................
                     130
A ........................
                     160
BBB ....................
Below BBB .......... 170
                     180
Unrated ...............
                     199
Total ...................

III.                         Identify the five largest net positive mark to market exposure amounts by arm's length counterparty regardless of contract class.
                             Beside each of those five identify the current counterparty credit rating.
                                                    Type                                     Company Name                    Net Positive Mark to Market          Rating
                                                    (61)                                           (62)                                  (71)                      (72)
                    250
                    260
                    270
                    280
                    290

                                                                                                                                                                                                                         LIFE-2 (2009)
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                                                                             21.150

Insurer                                                                                                                            Year


                                                            ACCOUNTS RECEIVABLE
                                                                   ($'000)

                                                                                                        Amount Due             Provision for
                                                                                                   Current      In Arrears       Unpaid
                                                                                                                                Balances
                                                                                                      (08)          (09)           (14)
Name of Affiliate/Related Party
                                                                                      010
     ............................................................................................................
                                                                                      020
     ............................................................................................................
                                                                                      030
     ............................................................................................................
                                                                                      040
     ............................................................................................................
                                                                                      050
     ............................................................................................................
                                                                                      060
     ............................................................................................................
                                                                                      070
     ............................................................................................................
     Subtotal Receivable from
        Affiliates/Related Parties ........................................................…
                                                                                      099
Other Accounts Receivable …………………………………………………………..
                                     260
Total Accounts Receivable …………………………………………………………..
                                     299




                                                                                                                             LIFE-2 (2010)
                                                                                                                             Next Page is 22.010
                                   22.010

Insurer                                                                 Year
                  ACTUARIAL LIABILITIES BY LINE OF BUSINESS
                                    ($'000)

                                                   Current Year      Prior Year
NON-PARTICIPATING (NON-PAR)
                                                       (01)             (03)
          Life   Individual   Direct ………………..
                                           010
                              Assumed ………………..
                                           020
                              Ceded ………………..
                                           030
                              Net ………………… 039
                 Group        Direct ………………..
                                           050
                              Assumed ……………060
                              Ceded …………………070
                              Net ……………………..
                                           079
     Annuity     Individual   Direct …………. 110
                              Assumed ……………120
                              Ceded ………………..
                                           130
                              Net …………………… 139
                 Group        Direct …………………
                                           150
                              Assumed ………………..
                                           160
                              Ceded ………………..
                                           170
                              Net …………………..179
    Accident     Individual   Direct ………………..
                                           210
   & Sickness                 Assumed ……………..
                                           220
                              Ceded ……………… 230
                              Net …………………..239
                 Group        Direct ………………..
                                           250
                              Assumed ………………
                                           260
                              Ceded …………………270
                              Net …………………….279
                              Direct ………………..
                                           419
 TOTAL                        Assumed ………………
                                           429
 NON - PAR                    Ceded …………………439
                              Net …………………….449
                              Direct ………………..
                                           510
 TOTAL                        Assumed ………………
                                           520
 PARTICIPATING (PAR)          Ceded …………………530
                              Net …………………….539
                              Direct ………………..
                                           559
 TOTAL                        Assumed ………………
                                           569
 PAR & NON-PAR                Ceded …………………579
                              Net …………………….589


                                                                  LIFE-2 (2010)
                                                                  Next Page is 22.011
                                                             22.020

Insurer                                                                                                          Year




                       OTHER INSURANCE POLICY AND CONTRACT LIABILITIES
                                                             ($'000)


                                                                        Non-Par     Par       Total        Total
                                                                                           Current Year Prior Year
                                                                             (21)   (31)       (41)        (43)

                                                     410
Outstanding Payments Under Settlement Annuities ......................
                                                                420
Premiums Received in Advance ......................................
Policyholder Dividends and Experience Rating
Refunds, Due and Unpaid ..........................……………………
                                                       430
Policyholder Amounts on Deposit ………………………………
                                          440
Outstanding Claims and Adjustment Expenses ………………..
                                               460
Provision for Experience Rating Refunds …………………………………
                                              470
Other ..................................................……………………………
                                                                480
Total ..........................................................……………………….
                                                                      489




                                                                                           LIFE-2 (2005)
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                                                                     22.030

Insurer                                                                                                                                Year



                                                     ACCOUNTS PAYABLE
                                                                     ($'000)

                                                                                                             Current Year               Prior Year
                                                                                                                    (01)                   (03)
Affiliates/Related Parties ..............................................................................................………………………………
                                                                                                   030
                                                                                                   060
Other Payables .....................................................................................................................
Total .................................................................................................................................
                                                                                                   099

                                                        OTHER LIABILITIES
                                                                     ($'000)

                                                                                                             Current Year               Prior Year
                                                                                                                    (01)                     (03)
                                                                                                   210
Investment Income Received in Advance ...............................................................................
                                                                                                   220
Accrued Interest on Outstanding Claims ...............................................................................
                                                                                                   240
Amounts Received but Not Yet Allocated ............................................................................
                                                                                                   250
Fees and Other Taxes (excl. Income Taxes) ..........................................................................
Income Tax Payable …………………………………………………………………………………………..                                            260
                                                                                                   270
Amounts Due in respect of Staff Pension Plans .....................................................................
                                                                                                   280
Security Repurchase Transactions (Repos) .............................................................................
                                                                                                   290
Other .................................................................................................................................
Total ......................................................................................................................................
                                                                                                   299




                                                                                                       LIFE-2 (2010)
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                                                                        23.010

Insurer                                                                                                                                Year

                                                     NET INVESTMENT INCOME
                                                              ($'000)
Reference                                                                                                             Current          Prior
  Page                                                                                                                 Year            Year
                                                                                                                       (01)            (03)
             Bonds:
                                                                                                      010
                Interest ...................................................................................................
                  Realized Gains (Losses) on sale …………………………..030
                  Fair Value Gains (Losses) ……………………………………    040
             Mortgage Loans:
                                                                                                        110
                  Interest ...................................................................................................
                  Realized Gains (Losses) on sale …………………………..130
                  Fair Value Gains (Losses) ……………………………………    140
             Preferred & Common Shares:
                                                                                                     210
                  Dividends ................................................................................................
                  Realized Gains (Losses) on sale …………………………..230
                  Fair Value Gains (Losses) ……………………………………    240
             Real Estate:
                  Rental Income Including $ ____________
                                                                                              310
                        for Insurer's Own Use ..........................................................
                  Amortization of Realized and
 23.020                                                                               320
                        Unrealized Gains and (Losses) ................................................................
                                                                                              610
             Interest on Policy Loans ...................................................................................
             Interest on Cash and Short Term Investments ………………….
                                                               620
                                                                             630
             Income from Other Loans and Invested Assets ........................................................................
                                                                                        640
             Interest on Overdue Premiums ...................................................................................
                                                                                         650
             Income from Derivative Activities ...............................................................................
                                                                                   660
             Income from Other Equity Investments .................................................................................
             Less:
 21.020                                                                                        710
                  Provision for Losses ......................................................................................
 21.020                                                                                           720
                  Write-Downs ................................................................................................
             Gross Investment Income ............................................................................
                                                                                        749
             Less:
                                                                          810
                  Investment Expenses (other than Investment Taxes) .........................
                                                                                             820
                Investment Taxes .....................................................................................
             Net Investment Income .............................................................................
                                                                                             889

            Fair Value Gains (Losses) reflected in the Actuarial Reserves ………………………………………..
                                                                          929

                                                                                                                                 LIFE-2 (2009)
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                                                   23.020

Insurer                                                                                         Year


                        CAPITAL GAINS (LOSSES) ON REAL ESTATE
   REALIZED, NET REALIZED DEFERRED AND NET UNREALIZED AMORTIZED
                               ($'000)

                                                                                           Real Estate

Movement during the year
                                                                                                (21)

                                                                                          010
Realized Gains on Sale or Maturity ...............................................................................
                                                                                          040
Realized Loss on Sale or Maturity ..................................................................................
                                                                                          079
Net Gain (Loss) ..............................................................................................
                                                                                          100
Writing Up (Down) of Balance Sheet Value ...........................................................................
                                                                                          130
Currency Adjustment ..........................................................................................
                                                                                          160
Non-Amortizable Gains (Losses) ..........................................................................

Net Realized Deferred
                                                                                              210
Balance of Deferred Items - Beginning of Year ...............................................................
                                                                                              240
Adjusted Realized Gain (Loss) ..............................................................................
                                                                                              279
Subtotal .............................................................................................................
                                                                                              300
Amortized to Revenue in Year ...............................................................................
                                                                                              330
Currency Adjustment ........................................................................................
Net Deferred Balance - End of Year …………………………………………………………………………..                             389

Net Unrealized Amortized Gains and Losses
                                                                                      410
Balance - Beginning of Year ................................................................................
Amortized to Revenue in Year
                                                                                      440
       Market Value Increase (Decrease) ...........................................................
                                                                                      470
Less: Amounts Realized During Year .........................................................................
                                                                                      499
Net Amortized During Year .................................................................................
                                                                                      530
Currency Adjustment .........................................................................................
                                                                                      589
Balance - End of Year ........................................................................................

Net Realized Deferred Balance ………………………………………...………………………………………
                                            689


                                                                                       LIFE-2 (2009)
                                                                                       Next Page is 23.030
                                                        23.030

Insurer                                                                                                       Year

                                                OTHER REVENUE
                                                    ($'000)
                                                                                            Current           Prior
                                                                                             Year             Year
                                                                                             (01)             (03)
   (Specify)
   …………………………………………………………………………………………………………………                                                         050
   …………………………………………………………………………………………………………………                                                         051
   …………………………………………………………………………………………………………………                                                         052
   Subtotal - All others ................................................................................…
                                                                                                       089
   Total Other Revenue ............................................................................………………………..
                                                                                                       199
                                                                INTEREST EXPENSE
                                                                             ($'000)
   Interest on Long Term Debt …………………………………………………..                                                  230
   Interest on deposits (other than policyholder deposits) ......................................................………………………………
                                                                                                     260
   Other Interest Expense (specify:) ......................................................……………………………………………
                                                                                                     290
   .............................................................................................……………………………………………………………..
                                                                                                     291
   .............................................................................................…………………………………………………………………
                                                                                                     292
   Total Interest Expense ............................................................................………………………..
                                                                                                     299
                                                    GENERAL EXPENSES AND TAXES
        (Excluding Investment Expenses, Interest Expense, Other Expenses and Income Taxes)
                                                                             ($'000)
   Rent ............................................................................................................………………………………………………
                                                                                                             310
   Salaries, Wages and Allowances ..................................................................…………………………….
                                                                                                             330
   Employees' and Agents' Welfare ...............................................................…………………………… 350
   Professional and Service Fees and Expenses ...................................................…………………………  370
   Miscellaneous Expenses ...............................................................................…………………………
                                                                                                             390
   Premium Taxes .............................................................................................………………………….
                                                                                                             410
   Assessments & Dues .............................................................................................………………………….
                                                                                                             430
   Licenses and Fees .....................................................................................………………………………………….
                                                                                                             450
   Miscellaneous Taxes ....................................................................……………………………………………………
                                                                                                             470
   Head Office Overhead ………………………………………………………………………………………………                                                 480
   Other general expenses (specify:) ……………………………………………………………………………...                                        490
   .............................................................................................……………………………………………………………..
                                                                                                             491
   .............................................................................................…………………………………………………………………
                                                                                                             492
   Total General Expenses and Taxes ........................................................................………………
                                                                                                             599
                                                                  OTHER EXPENSES
                                                                             ($'000)
   Amortization of Capital Assets (Write-down included $______) ………………………………………………                   710
   Amortization of intangible assets
                   (Impairment losses included $______) ……...……………………….                              730
   Goodwill impairment losses …………………………………………………………………………………………………                                  750
   Net Foreign Exchange losses ………………………………………………………………………………………                                     770
   .............................................................................................……………………………………………………………..
                                                                                                     771
   .............................................................................................…………………………………………………………………
                                                                                                     772
   Fair Value Gains or Losses included in the Acturial Reserves ………………………………………..                    780
   Total Other Expenses …………………………………………………………………………………………………..                                      899

                                                                                        LIFE-2 (2009)
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                                                                          35.010

Insurer                                                                                                                                                                  Year

                                                       ANALYSIS OF INCOME BY LINE OF BUSINESS
                                                                          ($'000)

                                                             NON-PARTICIPATING
                                         Life                 Annuity                A&S         Total Non-   Total Par   Total Par &    Head         Other              Total
                                Individual    Group   Individual    Group   Individual   Group      Par                    Non-Par       Office                         Canada
                                                                                                                                        Account
                                   (01)  (02)           (11)       (12)        (21)      (22)       (41)        (51)         (56)         (71)         (76)              (81)
Revenue
  Premiums ……………………………………………………………………..
                               040
  Net Investment Income ………………………………………………..
                               070
  Fee Income …………………………………………………………………
                               130
  Other Revenue …………………………………………………….
                               160
Total Revenue………………………………..    199
Policy Benefits and Expenses
  Policyholder Benefits
    Claims ……………………………………………………………………  210
    Annuity Payments ……………………………………………………
                                       220
    Surrenders ……………………………………………………………..
                                       230
    Other …………………………………………………………………    240
  Net Changes to Actuarial Liabilities
    Normal ……………………………………………………………………… 300
    Basis Change ………………………………………………………………
                                       330
  Policyholder Dividends ……………………………………………………………..
                                       360
  Experience Rating Refunds …………………………………………..
                                       390
  Transfer to and (Transfer from)
    Other Funds ………………………………………………………… 420
  Commissions …………………………………………………………………………..
                                       450
   Interest on Policyholder Amounts
      on Deposit ………………………………………       480
  Interest Expense …………………………………………………………………..
                                       510
  General Expenses and Taxes
    (excl. Income Taxes) ………………………………………………………………..
                                       540
  Other Expenses ……………………………………………………………
                                       570
Total Benefits and Expenses ……………....
                                  649
Income Before Income Tax …………….. 669
   Provision for Income Taxes……………………….
                                  720
Income Before the following: ………………………………………….
                                  749
   Extraordinary items (net of income
      Taxes of $_________) ……………………………………………
                                      800
   Discontinued Operations (net of
     Income Taxes of $_________) ……………………………………………
                                      830
Net Income …………………………………………………………………  899

                                                                                                                                                  Life-2 (2010)
                                                                                                                                                  Next Page is 35.011
                           35.080

Insurer                                              Year

                       LIQUID ASSETS
                      (Vested in Trust)
                           ($'000)

                                                    Total

                                                     (11)
Cash ……………………………………………………………………               010
Short Term Investments ……………………………………………….    040
Bonds: Federal Government ……………………………………..    070
         Provincial and State Governments ……………………..
                                              100
         Publicly Traded Bonds: AAA ……………………………
                                              130
                                 AA ….…………………….……
                                              160
                                 A …………………………….
                                              190
                                 BBB ……………………………
                                              220
Publicly Traded Preferred Shares
  (Non-Affiliated) …………………………………………………………     250
Publicly Traded Common Shares
  (Non-Affiliated) ……………………………………………………………    280
………………………………………………………………………….                 310
Total …………………………………………………………………..             489

                   CASHABLE LIABILITIES
                         ($'000)
                                                    Total

Cash Value                                      (11)
  Individual
     Traditional with Cash Values ……………………………………
                                            510
     Universal Life …………………………………………………….   540
     Amounts on Deposit ……………………………………………   570
     Accumulation Annuities ………………………………………..
                                            600
  Total Individual …………………………………………………………………639
  Group
     Accumulation Annuities ………………………………………..
                                            660
     Amounts on Deposit ………………………………………………….690
  Total Group ……………………………………………………………………….. 729
Reinsurance
  Amounts Owing to Reinsurers
    Subject to Recapture …………………………………………………750
Debt due in the next twelve months …………………. 760
………………………………………………………………………….               780
Total …………………………………………………………………..           889

                                              LIFE-2 (2005)
                                              Next Page is 35.081
                                                                                                45.010

Insurer                                                                                                                                                                   Year

                                                                                   PREMIUMS AND COMMISSIONS
                                                                                                ($000)

                                                                                                      NON-PARTICIPATING
                                                                             Life                      Annuity                A&S          Total     Total Par      Total Par &
                                                                    Individual    Group        Individual    Group   Individual   Group   Non-Par                    Non-Par

                                                                       (01)             (02)     (11)       (12)       (21)       (22)     (41)          (51)             (56)
PREMIUMS
Direct
                                                                 010
    Single ...................................................................
                                                                 020
    First Year ...............................................................
                                                                 030
    Renewal .............................................................
    Subtotal - Direct ....................................................
                                                                 049
Reinsurance Assumed
                                                                 110
    Single ...................................................................
                                                                 120
    First Year ...............................................................
                                                                 130
    Renewal .............................................................
    Subtotal - Assumed ..................................................
                                                                 149
Reinsurance Ceded
                                                                 210
    Single ...................................................................
                                                                 220
    First Year ...............................................................
                                                                 230
    Renewal .............................................................
    Subtotal - Ceded ....................................................
                                                                 249
Total Net Premiums ..................................................................
                                                                 289


COMMISSIONS
Direct
                                                                310
    Single ...................................................................
                                                                320
    First Year ...............................................................
                                                                330
    Renewal .............................................................
Total Direct Commissions………………………                               349
Commissions and Allowances
  Incurred on Reinsurance Assumed………………………………………………………          440
Commissions and Allowances
  Received on Reinsurance Ceded………………………………………………………            450
Total Net Commissions Incurred …………………………………………….
                                   489

                                                                                                                                                    Life-2 (2010)
                                                                                                                                                    Next Page is 45.060
                           45.060

Insurer                                                                     Year

                    REINSURANCE CEDED
                          ($'000)

                          Face    Premiums Benefits       Policy/Certificate
                       Amount      Ceded   Ceded          Liabilities Ceded
                      of In Force                        Current        Prior
                      Insurance                           Year          Year
                        Ceded
                          (01)       (06) (21)
                                            (16)                            (26)
Life Individual
    YRT ……………………………………………………………………
                                010
    Coinsurance ………………………………………………………….
                                020
    Mod-Co …………………………………………………………………
                                030
    Stop Loss ……………………………………………………………………….
                                040
    Other ……………………………………………………………………….
                                060
    Subtotal …………………….. 099
Life Group
    YRT ……………………………………………………………………
                                110
    Coinsurance ………………………………………………………….
                                120
    Mod-Co …………………………………………………………………
                                130
    Stop Loss ……………………………………………………………………….
                                140
    Other ……………………………………………………………………….
                                160
    Subtotal …………………….. 199
Annuity Individual
    YRT ……………………………………………………………………
                                210
    Coinsurance ………………………………………………………….
                                220
    Mod-Co …………………………………………………………………
                                230
    Stop Loss ……………………………………………………………………….
                                240
    Other ……………………………………………………………………….
                                260
    Subtotal …………………….. 299
Annuity Group
    YRT ……………………………………………………………………
                                310
    Coinsurance ………………………………………………………….
                                320
    Mod-Co …………………………………………………………………
                                330
    Stop Loss ……………………………………………………………………….
                                340
    Other ……………………………………………………………………….
                                360
    Subtotal …………………….. 399
Accident &Sickness Individual
    YRT ……………………………………………………………………
                                410
    Coinsurance ………………………………………………………….
                                420
    Mod-Co …………………………………………………………………
                                430
    Stop Loss ……………………………………………………………………….
                                440
    Other ……………………………………………………………………….
                                460
    Subtotal …………………….. 499
Accident &Sickness Group
    YRT ……………………………………………………………………
                                510
    Coinsurance ………………………………………………………….
                                520
    Mod-Co …………………………………………………………………
                                530
    Stop Loss ……………………………………………………………………….
                                540
    Other ……………………………………………………………………….
                                560
    Subtotal …………………….. 599
Total ……………………………………..          899
Amounts Included Above Ceded to
Unregistered Insurers/Societies
    In Canada Business ……………….  910

                                                      LIFE-2 (2010)
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                                                               60.010

Insurer                                                                                                                  Year

                                                  SEGREGATED FUNDS
                                                     NET ASSETS
                                                       ($'000)

                                                                                                Current Year                Prior Year
Assets                                                                                                  (01)                     (03)
                                                                                       010
 Cash ................................................................................................................................
                                                                                       040
 Short Term Investments ...................................................................................................
                                                                                       070
 Accrued Investment Income ............................................................................................
                                                                                       100
 Bonds and Debentures ....................................................................................................
                                                                                       130
 Mortgage Loans ..........................................................................................
 Preferred and Common Shares………………………………                                               160
                                                                                       190
 Real Estate .....................................................................................................................
                                                                                       220
 Mutual Funds ..........................................................................................
 Other Investments……………………………………………………                                                 250
                                                                                       280
 Other assets (liabilities) net ................................................................................................................
Total Segregated Funds Net Assets ………………………………………………………….                              289

Composition of Segregated Funds Net Assets
 Held by Policyholders …………………………………………………………………………………..
                                           310
 Held by the Insurer …………………………………………………………………………….
                                           340
Total Segregated Funds Net Assets ………………………………………………………….
                                           389

                                               CHANGES IN NET ASSETS
                                                      ($'000)

                                                        Current Year Prior Year
                                                            (01)        (03)
Segregated Funds Net Assets, Beginning of Year …………………………..
                                                    410
Additions
 Deposits from Policyholders …………………………………………………………………………
                                                    440
 Net realized and unrealized gains (losses) ……………………………………………………………….
                                                    470
 Interest and Dividends ……………………………………………………………………………………
                                                    500
 Net transfers from the General Fund
   (amounts transferred re: guarantees $______) ………………………………………………………….
                                                    530
 Effect of currency translation …………………………………………………………………………..
                                                    560
 ………………………………………………………………………………………………………………..       590
 ………………………………………………………………………………………………………………..       620
 Total Additions ……………………………………………………………………………………………689
Deductions
 Payments to Policyholders ………………………………………………………………………………
                                                    710
 Management and Administrative Fees …………………………………………………………………..
                                                    740
 ……………………………………………………………………………………………………………….        770
 ……………………………………………………………………………………………………………….        810
Total Deductions ………………………………………………………………………………………. 849
Segregated Funds Net Assets, End of Year …………………………………………………………..
                                                    889

                                                                                                                  LIFE-2 (2005)
                                                                                                                  Next Page is 60.020
                                                                     60.020

Insurer                                                                                                                                 Year

                                                     POLICYHOLDERS' EQUITY RECONCILIATION
                                                           AT YEAR END BY TYPE OF FUND
                                                                       ($'000)
                                          Equity     Premium Withdrawals / Transfers        Net    Dividends     Currency              Equity
          TYPE OF FUND                   Beginning   and Other  Redemption      Between   Income      Paid      Translation            End of
                                          of Year    Receipts                  Seg. Funds                        Account                Year
                                            (01)       (06)         (26)          (31)      (36)     (41)          (46)                 (51)
  Money Market / Short Term………..   010
  Fixed Income (up to 25% equity)……..
                                   020
  Balanced (maximum 75% equity)……… 030
  Low Volatility Diversified Fund………
                                   040
  Broad-based Diversified Fund…….  050
  Intermediate Risk Equity…………….   060
  Exotic / Aggressive Equity………….. 070
  Interfund Adjustment…………………      080
  Total..…………………………………..           089




                                     LIFE INSURER'S EQUITY RECONCILIATION AT YEAR END BY TYPE OF FUND
                                                                    ($'000)
                                         Seed      Insurer's  Additional Withdrawals /   Net      Dividends      Currency             Insurer's
          TYPE OF FUND                  Money        Equity   Transfers     Redemption Income        Paid       Translation             Equity
                                                  Beginning     from                                             Account             End of Year
                                                    of Year    General
                                                                Fund
                                         (11)         (16)       (21)          (26)      (36)        (41)            (46)               (56)
  Money Market / Short Term………….   110
  Fixed Income (up to 25% equity)………
                                   120
  Balanced (maximum 75% equity)……… 130
  Low Volatility Diversified Fund……….
                                   140
  Broad-based Diversified Fund………….150
  Intermediate Risk Equity…………….   160
  Exotic / Aggressive Equity………….. 170
  Interfund Adjustment…………………      180
  Total..…………………………………..           189

                                                                                                               LIFE-2 (2005)
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                                              60.030

Insurer                                                                                Year


                SEGREGATED FUNDS NET ASSETS - BY TYPE OF GUARANTEE



                                                                   Number              Net
                                                                      of              Assets
TYPE OF GUARANTEE                                                   Funds
                                                                                      ($'000)
                                                                      (01)              (02)
 Funds with no guarantees ………………………………………………...………………………………………
                                        110
 Funds with minimum guarantees* (75% or less) …………………………………………………………………
                                                   210
 Funds with minimum guarantees* (greater than75%) ……………………………………………………………
                                                     310
 Grand Total …………………………………………………………………….             889


 Funds with guaranteed minimum withdrawal benefit product:
          Non-lifetime Withdrawal with bonus rates**
                  ≤ 5.0% …………………………………………………………………………………………………
                                         410
                  > 5.0% and ≤ 7.0% …………………………………………………………………………………
                                               420
                  > 7.0% …………………………………………………………………………………………………
                                         430
          Lifetime Withdrawal with bonus rates**
                  ≤ 5.0% ………………………………………………………………………………………..
                                         510
                  > 5.0% and ≤ 7.0% ……………………………………………………………………….
                                               520
                  > 7.0% …………………………………………………………………………….
                                         530


* Minimum guarantees in respect of maturity benefits.
** Bonus rates are the percentage applied to the Guaranteed Withdrawal Benefit Base
   in any year when no withdrawal is taken where applicable.




                                                               LIFE-2 (2010)
                                                               Next Page is 60.040
                                                60.040

Insurer                                                                                           Year


                         INTERROGATORIES TO SEGREGATED FUNDS

  1. (a) Does the insurer sell variable policies or contracts in Canada out of its general fund which
         are matched against units of its segregated funds?
                                                    010        Yes:                   No:

          If yes, explain why the policy is held in the general fund.




      (b) Are the units against which the general fund variable contracts are matched held
          in the general fund?                      110       Yes:                   No:

          If yes, describe the manner in which the units are valued in the general fund and
          how the value is matched to the liability.




          If question 1(b) is answered with a "No", describe how the liability is matched.




                                                                                LIFE-2 (2005)
                                                                                Next Page is 60.050
                                                 60.050

Insurer                                                                                            Year


                    INTERROGATORIES TO SEGREGATED FUNDS (continued)

   2.       Do the segregated funds employ financial contracts such as options,
            futures, forwards and other derivative transactions?
                                                      010       Yes:                     No:

            If yes, please provide details by type of fund outlining the purpose, arrangements and
            contract amount for all such transactions outstanding at any time during the current year.
            Also, disclose by type of fund, as described in page 60.020, the income derived from
            the specified transactions.




   3. (a) Has any fund given a security interest on any of its assets, provided a guarantee
          or arranged for the general fund to give a guarantee on its behalf?
                                                    110       Yes:                    No:

            If yes, please provide details outlining the purpose and arrangements for such
            security interest.




        (b) Have the policyholders been informed of the fact that guarantees and security
            interest arrangements may be entered into by the funds?
                                                   140         Yes:                  No:

        (c) Are policyholders provided with an explanation of such activity for the current year?
                                                    170        Yes:                      No:

   4. Will all segregated funds with individual contracts be audited and will financial statements
      for the current year of such funds be made available to the policyholders?
                                                    210       Yes:                      No:




                                                                                 LIFE-2 (2007)
                                                                                 Next Page is 75.040
                                                                                  75.040

Insurer                                                                                                                             Year



                                               ANALYSIS OF AMOUNTS OF LIFE INSURANCE
                                                       EFFECTED AND IN FORCE
                                                               ($'000)

                                                                    Non-Participating                     Participating             Total
                                                              Individual                 Group      Individual       Group

                                                                  (01)                    (06)        (11)            (16)           (21)
New Effected
                                           010
     Direct Written .............................................................................
                                  020
     Reinsurance Assumed ...............................................................

                                    030
     Reinsurance Ceded ....................................................................
                                                 099
     Net ...................................................................................
In Force

                                           110
     Direct Written .............................................................................
                                  120
     Reinsurance Assumed ...............................................................
                                    130
     Reinsurance Ceded ....................................................................
                                                 199
     Net ...................................................................................




                                                                                                                             LIFE-2 (2005)
                                                                                                                             Next Page is 75.050
                                                                           75.050

Insurer                                                                                                                                             Year


                                                             MOVEMENT OF ANNUITIES (GROSS)
                                                                   Individual Annuities

                                                                                                Payout                               Disability Annuities
                                           Accumulation
                                                                             Certain                              Life

                                   Number       Account Value      Number           Annual Payment       Number   Annual Payment   Number   Annual Payment
                                                   ($'000)                              ($'000)                          ($'000)                  ($'000)
                                    (06)            (07)            (11)                 (12)             (16)            (17)      (31)            (32)
In Force - Beginning of Year 010
Deposits …………………………030
Interest Credited ……………….. 70
                         0
Transfers In ………………………
                     100
Other Increase ……………….. 130
Total ………………………….. 149
Less ceased by:
   Payment ……………………..
                    210
   Surrender ……………………………
                    230
   Other ……………………………….
                  270
Transfer Out ………………….. 300
Other ………………………………
                 340
Total Ceased ………………… 349
Currency Revaluation ………………
                         400
In Force - End of Year …………………………
                          449
Reinsurance in force
   Assumed …………………….
                   510
   Ceded ………………………………………
                  530

                                                                                                                                            LIFE-2 (2005)
                                                                                                                                            Next Page is 75.060
                                                              75.060

Insurer                                                                                                                Year

                                               MOVEMENT OF ANNUITIES (GROSS)
                                                      Group Annuities

                                          Accumulation Annuities             Payout Annuities          Disability Annuities
                                   Number of Number of      Account    Number of        Annual    Number of          Annual
                                   Contracts certificates     Value    certificates    Payment    certificates       Payment
                                                             ($'000)                    ($'000)                       ($'000)
                                      (01)       (06)         (07)        (21)           (22)        (31)              (32)
In Force - Beginning of Year 010
Deposits ………………………..        030
Interest Credited ……………….   070
Transfers In ……………………       100
Other Increase ………………..     130
Total ……………………………           149
Less ceased by:
   Payment …………………………………..
                   210
   Surrender …………………………………
                      230
   Other …………………………………………
                      270
Transfer Out …………………… 300
Other …………………………… 340
Total Ceased …………………………….
                     349
Currency Revaluation …………….400
In Force - End of Year ……… 449
Reinsurance in force
   Assumed ………………………………………
                   510
   Ceded …………………………………………..
                   530

                                                                                                               LIFE-2 (2005)
                                                                                                               Next Page is 75.070
                                                                                                  75.070

Insurer                                                                                                                                                                                          Year

                                                          REINSURANCE CEDED TO UNREGISTERED INSURERS
                                                                                                  ($'000)

    Line of          Name of Reinsurer      Country      Ceded or       Type       Effective date           Amounts recoverable    Reserves    Premiums       Amount of       Security held from reinsurer
   business *                               of origin   Retroceded       of          or date of        On claims       On claims   ceded to      ceded        insurance        Amounts        Amounts of
                                                          (C-R)      reinsurance       latest               paid        due and    reinsurer   to reinsurer     ceded         held in trust   acceptable
                                                                         **           revision                           unpaid                               to reinsurer                         LOC
                                                                                    of contract
       (01)                    (02)           (03)         (08)         (13)            (18)                (23)          (28)       (33)          (38)           (43)            (48)             (53)
                  Affiliated




                  Subtotal            399
                  Non-affiliated




                  Subtotal            799
                  Grand total         889


* Classify in the following order: Life, Annuity, Accident and Sickness …
** YRT, coinsurance, modified coinsurance, catastrophe, stop-loss …                                                                                                          LIFE-2 (2005)
                                                                                                                                                                             Next Page is 95.010
PROVINCIAL EXHIBITS
                                                             95.010L

Insurer                                                                                                               Year

                                                           PREMIUMS
                                                             ($'000)

                                   Newfoundland   P.E.I.   Nova Scotia     New       Quebec        Ontario           Manitoba

                                    & Labrador                           Brunswick

                                       (01)       (02)        (03)         (04)       (05)           (06)              (07)



Licensed Y/N                001


             INDIVIDUAL

Life

       Direct ……………………………………
                        020

       Assumed ………………………………
                       040

       Ceded …………………………………
                       060

       NET (020+040-060) …………….
                             089

Annuity

       Direct …………………………………
                        120

       Assumed ………………………………
                       140

       Ceded …………………………………
                       160

       NET (120+140-160) ……………….
                             189

Accident & Sickness

       Direct ……………………………………..
                        220

       Assumed ………………………………
                       240

       Ceded …………………………………
                       260

       NET (220+240-260) ………………
                             289

TOTAL NET (089+189+289) ………..
                          299

               GROUP

Life

       Direct ……………………………………..
                        320

       Assumed ………………………………
                       340

       Ceded …………………………………
                       360

       NET (320+340-360) …………….
                             389

Annuity

       Direct ………………………………………
                        420

       Assumed ………………………………
                       440

       Ceded …………………………………
                       460

       NET (420+440-460) ………………
                             489

Accident & Sickness

       Direct ……………………………………..
                        520

       Assumed ………………………………
                       540

       Ceded …………………………………
                       560

       NET (520+540-560) ……………….
                             589

TOTAL NET (389+489+589) …………..
                          599



GRAND TOTAL NET

(299+599) ……………….…………………………
                    699



                                                                                              LIFE-2 (2010)
                                                                                              Next Page is 95.010R
                                             95.010R

Insurer                                                                                           Year

                                        PREMIUMS
                                          ($'000)

 Saskatchewan   Alberta    British   Yukon         Northwest     Nunavut         Out of           Total

                          Columbia                 Territories                  Canada

     (08)        (09)       (10)      (11)             (12)       (13)            (28)            (33)



                                                                                                          001




                                                                                                           020

                                                                                                           040

                                                                                                           060

                                                                                                           089



                                                                                                           120

                                                                                                           140

                                                                                                           160

                                                                                                           189



                                                                                                           220

                                                                                                           240

                                                                                                           260

                                                                                                           289

                                                                                                           299




                                                                                                           320

                                                                                                           340

                                                                                                           360

                                                                                                           389



                                                                                                           420

                                                                                                           440

                                                                                                           460

                                                                                                           489



                                                                                                           520

                                                                                                           540

                                                                                                           560

                                                                                                           589

                                                                                                           599




                                                                                                           699



                                                                           LIFE-2 (2010)
                                                                           Next Page is 95.020L
                                                                          95.020L

Insurer                                                                                                                                Year

                                                   POLICYHOLDER BENEFITS PAID AND INCURRED
                                                                   ($'000)

                                    Newfoundland   P.E.I.   Nova Scotia         New       Quebec   Ontario        Manitoba          Saskatchewan

                                     & Labrador                               Brunswick

                                        (01)        (02)       (03)             (04)       (05)     (06)             (07)               (08)

            INDIVIDUAL

Life

       Direct ………………………………….
                       020

       Assumed ……………………………
                       040

       Ceded …………………………………
                      060

       NET (020+040-060) ………089

Annuity

       Direct ………………………………….
                       120

       Assumed ……………………………
                       140

       Ceded …………………………………
                      160

       NET (120+140-160) ……………
                            189

Accident & Sickness

       Direct ………………………………….
                       220

       Assumed ……………………………
                       240

       Ceded …………………………………
                      260

       NET (220+240-260) …………….
                            289

TOTAL NET (089+189+289) ……………
                         299

              GROUP

Life

       Direct ………………………………….
                       320

       Assumed ……………………………
                       340

       Ceded …………………………………
                      360

       NET (320+340-360) ………………..
                            389

Annuity

       Direct ………………………………….
                       420

       Assumed ……………………………
                       440

       Ceded …………………………………
                      460

       NET (420+440-460) ……………
                            489

Accident & Sickness

       Direct ………………………………….
                       520

       Assumed ……………………………
                       540

       Ceded …………………………………
                      560

       NET (520+540-560) ……………..
                            589

TOTAL NET (389+489+589) ………………
                         599



GRAND TOTAL NET

(299+599) ……………….………………..
                    699



                                    POLICYHOLDER DIVIDENDS AND EXPERIENCE RATING REFUNDS - (DIRECT)
                                                                ($'000)
            INDIVIDUAL

Life …………………………………………..
                 720

Annuity ……………………………………….
                  740

Accident & Sickness …………………
                         760

TOTAL INDIVIDUAL

(720+740+760) …………………………..
                     789

              GROUP

Life …………………………………………..
                 820

Annuity ……………………………………….
                  840

Accident & Sickness …………………
                         860

TOTAL GROUP

(820+840+860)…………………. 89
                    8



GRAND TOTAL NET

(789+889) ………………………….……….
                   989


                                                                                                             LIFE-2 (2010)
                                                                                                             Next Page is 95.020R
                                   95.020R

Insurer                                                                            Year

                   POLICYHOLDER BENEFITS PAID AND INCURRED
                                   ($'000)

    Alberta    British     Yukon    Northwest     Nunavut         Out of           Total

              Columbia              Territories                   Canada

     (09)       (10)        (11)       (12)        (13)             (28)           (33)




                                                                                           020

                                                                                           040

                                                                                           060

                                                                                           089



                                                                                           120

                                                                                           140

                                                                                           160

                                                                                           189



                                                                                           220

                                                                                           240

                                                                                           260

                                                                                           289

                                                                                           299




                                                                                           320

                                                                                           340

                                                                                           360

                                                                                           389



                                                                                           420

                                                                                           440

                                                                                           460

                                                                                           489



                                                                                           520

                                                                                           540

                                                                                           560

                                                                                           589

                                                                                           599




                                                                                           699



      POLICYHOLDER DIVIDENDS AND EXPERIENCE RATING REFUNDS - (DIRECT)
                                  ($'000)


                                                                                           720

                                                                                           740

                                                                                           760



                                                                                           789



                                                                                           820

                                                                                           840

                                                                                           860



                                                                                           889




                                                                                           989


                                                            LIFE-2 (2010)
                                                            Next Page is 95.030L
                                                                             95.030L

Insurer                                                                                                                                 Year

                                           MOVEMENT OF INSURANCE - LIFE - INDIVIDUAL (DIRECT)
                                                              ($'000)

MOVEMENT                               Newfoundland   P.E.I.   Nova Scotia             New    Quebec   Ontario       Manitoba       Saskatchewan

                                        & Labrador                                Brunswick

                                           (01)       (02)        (03)                 (04)    (05)     (06)           (07)             (08)

            Amount ($'000)

In Force - Beginning of Year …………..
                                020



    New effected ……………………………..
                         040

    Old revived ………………………………….
                         060

    All other additions …………………….
                              080

    TOTAL (040+060+080) ……………..
                            099

Less:

    Death …………………………………………..
                      120

    Maturity ………………………………………
                        140

    Surrender ……………………………………
                        160

    Lapse …………………………………………
                     180

    All other deductions ……………………..
                              200

    TOTAL CEASED (120+140+

    160+180+200) …………………………….
                         229

Currency Revaluation …………………………..
                            250

In Force - End of Year
(020+099-229+250) ………………        299


Net in force - End of Year ………………..
                               399



                                            MOVEMENT OF INSURANCE - LIFE - INDIVIDUAL (DIRECT)
                                                          NUMBER OF POLICIES

Number of POLICIES

In Force - Beginning of Year ………. 20
                                4



    New effected ………………………………..
                         440

    Old revived …………………………………
                         460

    All other additions ……………………..
                              480

    TOTAL (440+460+480) ……………..
                            499

Less:

    Death …………………………………………..
                      520

    Maturity ……………………………………..
                        540

    Surrender …………………………………….
                        560

    Lapse …………………………………………..
                     580

    All other deductions ……………………..
                              600

    TOTAL CEASED (520+540+

    560+580+600) …………………………….
                         629

In Force - End of Year
(420+499-629) …………………………….
                        699


Net in force - End of Year ……….. 899


                                                                                                                 LIFE-2 (2010)
                                                                                                                 Next Page is 95.030R
                                    95.030R

Insurer                                                                            Year

              MOVEMENT OF INSURANCE - LIFE - INDIVIDUAL (DIRECT)
                                 ($'000)

    Alberta     British   Yukon     Northwest     Nunavut         Out of           Total

               Columbia             Territories                  Canada

     (09)        (10)      (11)        (12)        (13)            (28)            (33)



                                                                                           020



                                                                                           040

                                                                                           060

                                                                                           080

                                                                                           099



                                                                                           120

                                                                                           140

                                                                                           160

                                                                                           180

                                                                                           200



                                                                                           229

                                                                                           250



                                                                                           299


                                                                                           399



              MOVEMENT OF INSURANCE - LIFE - INDIVIDUAL (DIRECT)
                            NUMBER OF POLICIES


                                                                                           420



                                                                                           440

                                                                                           460

                                                                                           480

                                                                                           499



                                                                                           520

                                                                                           540

                                                                                           560

                                                                                           580

                                                                                           600



                                                                                           629



                                                                                           699


                                                                                           899


                                                            LIFE-2 (2010)
                                                            Next Page is 95.040L
                                                                                    95.040L

Insurer                                                                                                                                       Year

                                               MOVEMENT OF INSURANCE - LIFE - GROUP (DIRECT)
                                                                 ($'000)

MOVEMENT                                   Newfoundland              P.E.I.        Nova Scotia     New       Quebec        Ontario           Manitoba

                                            & Labrador                                           Brunswick

                                                (01)                  (02)            (03)         (04)       (05)           (06)              (07)

           Amount ($'000)

In Force - Beginning of Year …………
                                020



   New effected ……………………………….
                         040

   Old revived …………………………………..
                        060

   All other additions ……………………….
                             080

   TOTAL (040+060+080) …………………
                           099

Less:

   Death ………………………………………………
                     120

   Maturity ………………………………………..
                       140

   Surrender ………………………………………
                       160

   Lapse ……………………………………………
                     180

   All other deductions …………………….
                              200

   TOTAL CEASED (120+140+

   160+180+200) ………………………………..
                        229

Currency Revaluation ………………………….
                           250

In Force - End of Year
(020+099-229+250) ………………….299


Net in force - End of Year ………………
                               399



                                               MOVEMENT OF INSURANCE - LIFE - GROUP (DIRECT)
                                                        NUMBER OF CERTIFICATES

Number of CERTIFICATES *

In Force - Beginning of Year ……………..
                                420



   New effected ……………………………………
                         440

   Old revived …………………………………….
                        460

   All other additions …………………………
                             480

   TOTAL (440+460+480) ………………….
                           499

Less:

   Death ………………………………………………
                     520

   Maturity ………………………………………..
                       540

   Surrender ………………………………………..
                       560

   Lapse …………………………………………….
                     580

   All other deductions ……………………….
                              600

   TOTAL CEASED (520+540+

   560+580+600) ……………………………….
                        629

In Force - End of Year

(420+499-629) …………………………………
                       699


Net in force - End of Year ………………….
                               899

* Include Number of Certificates Under Shared Groups Counted on a Pro Rata Basis


                                                                                                                      LIFE-2 (2010)
                                                                                                                      Next Page is 95.040R
                                                  95.040R

Insurer                                                                                                   Year

                          MOVEMENT OF INSURANCE - LIFE - GROUP (DIRECT)
                                            ($'000)

 Saskatchewan   Alberta         British   Yukon             Northwest     Nunavut         Out of          Total

                               Columbia                     Territories                   Canada

     (08)        (09)            (10)      (11)                (12)        (13)            (28)           (33)



                                                                                                                  020



                                                                                                                  040

                                                                                                                  060

                                                                                                                  080

                                                                                                                  099



                                                                                                                  120

                                                                                                                  140

                                                                                                                  160

                                                                                                                  180

                                                                                                                  200



                                                                                                                  229

                                                                                                                  250



                                                                                                                  299


                                                                                                                  399



                          MOVEMENT OF INSURANCE - LIFE - GROUP (DIRECT)
                                   NUMBER OF CERTIFICATES


                                                                                                                  420



                                                                                                                  440

                                                                                                                  460

                                                                                                                  480

                                                                                                                  499



                                                                                                                  520

                                                                                                                  540

                                                                                                                  560

                                                                                                                  580

                                                                                                                  600



                                                                                                                  629



                                                                                                                  699


                                                                                                                  899




                                                                                    LIFE-2 (2010)
                                                                                    Next Page is 98.010
                                                                    98.060L

Insurer                                                                                                                      Year
                                                  INSURERS LICENSED IN QUEBEC

                                                                  PREMIUMS
                                                           (Based on Location of Risk)
                                                                     ($'000)

                                   Newfoundland   P.E.I.          Nova Scotia     New       Quebec        Ontario           Manitoba

                                    & Labrador                                  Brunswick

                                       (01)       (02)               (03)         (04)       (05)           (06)              (07)



Licensed Y/N                001


             INDIVIDUAL

Life

       Direct ……………………………………
                        020

       Assumed ………………………………
                        040

       Ceded …………………………………
                       060

       NET (020+040-060) …………….
                             089

Annuity

       Direct …………………………………
                        120

       Assumed ………………………………
                        140

       Ceded …………………………………
                       160

       NET (120+140-160) ……………….
                             189

Accident & Sickness

       Direct ……………………………………..
                        220

       Assumed ………………………………
                        240

       Ceded …………………………………
                       260

       NET (220+240-260) ………………
                             289

TOTAL NET (089+189+289) ………..
                          299

               GROUP

Life

       Direct ……………………………………..
                        320

       Assumed ………………………………
                        340

       Ceded …………………………………
                       360

       NET (320+340-360) …………….
                             389

Annuity

       Direct ………………………………………
                        420

       Assumed ………………………………
                        440

       Ceded …………………………………
                       460

       NET (420+440-460) ………………
                             489

Accident & Sickness

       Direct ……………………………………..
                        520

       Assumed ………………………………
                        540

       Ceded …………………………………
                       560

       NET (520+540-560) ……………….
                             589

TOTAL NET (389+489+589) …………..
                          599



GRAND TOTAL NET
(299+599) ……………….…………………………
                     699


                                                                                                     LIFE-2 (2010)
                                                                                                     Next Page is 98.060R
                                                   98.060R

Insurer                                                                                                 Year
                                     INSURERS LICENSED IN QUEBEC

                                             PREMIUMS
                                     (Based on Location of Risk)
                                               ($'000)

 Saskatchewan   Alberta    British         Yukon         Northwest     Nunavut         Out of           Total

                          Columbia                       Territories                  Canada

     (08)        (09)       (10)            (11)             (12)       (13)            (28)            (33)



                                                                                                                001




                                                                                                                 020

                                                                                                                 040

                                                                                                                 060

                                                                                                                 089



                                                                                                                 120

                                                                                                                 140

                                                                                                                 160

                                                                                                                 189



                                                                                                                 220

                                                                                                                 240

                                                                                                                 260

                                                                                                                 289

                                                                                                                 299




                                                                                                                 320

                                                                                                                 340

                                                                                                                 360

                                                                                                                 389



                                                                                                                 420

                                                                                                                 440

                                                                                                                 460

                                                                                                                 489



                                                                                                                 520

                                                                                                                 540

                                                                                                                 560

                                                                                                                 589

                                                                                                                 599




                                                                                                                 699


                                                                                 LIFE-2 (2010)
                                                                                 Next Page is 98.070L
                                                                                    98.070L

Insurer                                                                                                                                          Year
                                                                    INSURERS LICENSED IN QUEBEC

                                                               POLICYHOLDER BENEFITS PAID AND INCURRED
                                                                       (Based on Location of Risk)
                                                                                 ($'000)

                                    Newfoundland       P.E.I.         Nova Scotia         New       Quebec   Ontario        Manitoba          Saskatchewan

                                     & Labrador                                         Brunswick

                                        (01)            (02)             (03)             (04)       (05)     (06)             (07)               (08)

            INDIVIDUAL

Life

       Direct ………………………………….
                       020

       Assumed ……………………………
                       040

       Ceded …………………………………
                      060

       NET (020+040-060) ………089

Annuity

       Direct ………………………………….
                       120

       Assumed ……………………………
                       140

       Ceded …………………………………
                      160

       NET (120+140-160) ……………
                            189

Accident & Sickness

       Direct ………………………………….
                       220

       Assumed ……………………………
                       240

       Ceded …………………………………
                      260

       NET (220+240-260) …………….
                            289

TOTAL NET (089+189+289) ……………
                         299

              GROUP

Life

       Direct ………………………………….
                       320

       Assumed ……………………………
                       340

       Ceded …………………………………
                      360

       NET (320+340-360) ………………..
                            389

Annuity

       Direct ………………………………….
                       420

       Assumed ……………………………
                       440

       Ceded …………………………………
                      460

       NET (420+440-460) ……………
                            489

Accident & Sickness

       Direct ………………………………….
                       520

       Assumed ……………………………
                       540

       Ceded …………………………………
                      560

       NET (520+540-560) ……………..
                            589

TOTAL NET (389+489+589) ………………
                         599



GRAND TOTAL NET

(299+599) ……………….………………..
                    699


                                               POLICYHOLDER DIVIDENDS AND EXPERIENCE RATING REFUNDS - (DIRECT)
                                                                   (Based on Location of Risk)
                                                                                    ($'000)

            INDIVIDUAL

Life …………………………………………..
                 720

Annuity ……………………………………….
                  740

Accident & Sickness …………………
                         760

TOTAL INDIVIDUAL

(720+740+760) …………………………..
                     789

              GROUP

Life …………………………………………..
                 820

Annuity ……………………………………….
                  840

Accident & Sickness …………………
                         860

TOTAL GROUP

(820+840+860)…………………. 89
                    8



GRAND TOTAL NET

(789+889) ………………………….……….
                   989


                                                                                                                       LIFE-2 (2010)
                                                                                                                       Next Page is 98.070R
                                             98.070R

Insurer                                                                              Year
                                  INSURERS LICENSED IN QUEBEC

                             POLICYHOLDER BENEFITS PAID AND INCURRED
                                     (Based on Location of Risk)
                                               ($'000)

    Alberta        British         Yukon     Northwest     Nunavut         Out of    Total

                  Columbia                   Territories                   Canada

     (09)           (10)            (11)        (12)        (13)             (28)    (33)




                                                                                             020

                                                                                             040

                                                                                             060

                                                                                             089



                                                                                             120

                                                                                             140

                                                                                             160

                                                                                             189



                                                                                             220

                                                                                             240

                                                                                             260

                                                                                             289

                                                                                             299




                                                                                             320

                                                                                             340

                                                                                             360

                                                                                             389



                                                                                             420

                                                                                             440

                                                                                             460

                                                                                             489



                                                                                             520

                                                                                             540

                                                                                             560

                                                                                             589

                                                                                             599




                                                                                             699


              POLICYHOLDER DIVIDENDS AND EXPERIENCE RATING REFUNDS - (DIRECT)
                                  (Based on Location of Risk)
                                             ($'000)


                                                                                             720

                                                                                             740

                                                                                             760



                                                                                             789



                                                                                             820

                                                                                             840

                                                                                             860



                                                                                             889




                                                                                             989


                                                                     LIFE-2 (2010)
                                                                     End
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