|  Français Advanced Search | Text size: + - R 

About the AMF Register E-Services Media Centre A Career at the AMF Contact us
RSS Feeds Follow l'Autorité on Twitter Follow l'Autorité on Facebook Follow l'Autorité on LinkedIn
Follow us
  •  | Print

Distribution without a representative

Under the Act respecting the distribution of financial products and services (the Act), certain insurance products can be offered by distributors rather than by certified representatives.

What is a distributor?

Under section 408 of the Act, distributor is a person who, in pursuing activities in a field other than insurance, offers, as an accessory, for an insurer:

  • an insurance product which relates solely to goods sold by the person; or
  • secures a client’s adhesion in respect of such an insurance product.

What is an insurance product that relates solely to goods?

The Act lists the insurance products relating to goods that can be offered by a distributor who does not hold a certificate issued by the AMF. For example, the products can be

  • debtor life, health and employment insurance;
  • investor life insurance;
  • travel insurance.

Before offering a product through distribution without a representative, the insurer must prepare a distribution guide and provide the distributor with a copy of the guide. The distributor will then provide it to clients who are interested in the product concerned.

Information Centre
Québec City: 418-525-0337
Montréal: 514-395-0337
Toll-free: 1-877-525-0337
Fax: 418-647-9963
Request for information