The Annual Statement on Market Conduct ("the Annual Statement") was introduced in 2017 by the Canadian Council of Insurance Regulators (CCIR) in order for the insurance regulators across Canada to receive detailed information about the marketplace and insurers’ practices.
The requirement to complete and file the information collected through the Annual Statement is based on the authority of each of the provincial and territorial insurance regulators to collect such information from insurers within their jurisdiction.
The Autorité des marchés financiers is the designated service provider for all CCIR regulators. Therefore, the AMF collects the Annual Statement in the name of all regulators. The filing of the Annual Statement must be done through the AMF E-Services.
For more information on CCIR, please visit their Website 
This link will open in a new window.
The Annual Statement
Each Canadian licensed insurance entity must download and submit its Annual Statement form through the AMF E-Services. The form is available in the section “Client File/Market Conduct”.
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General Instructions on filling the Annual Statement
(pdf - 31 KB)This link will open in a new windowUpdated on March 20, 2019
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Definitions of Terms Used in the Annual Statement on Market Conduct – Property and Casualty Insurance
(pdf - 123 KB)This link will open in a new windowUpdated on October 21, 2024
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Definitions of Terms Used in the Annual Statement on Market Conduct – Life and Health
(pdf - 120 KB)This link will open in a new windowUpdated on October 21, 2024
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Definitions of Terms Used in the Annual Statement on Market Conduct – Property and Casualty Insurance
(pdf - 123 KB)
User’s guide
Presentations
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CCIR Information Session changes on the Annual Statement on Market Conduct - P&C Insurance
(pdf - 2 MB)This link will open in a new windowUpdated on November 25, 2025
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CCIR Information Session changes on the Annual Statement on Market Conduct - Life Insurance
(pdf - 2 MB)This link will open in a new windowUpdated on November 25, 2025
Questions and answers
Key dates
- March 1: Date from which it is possible to submit the Annual Statement form via E-Services in the “Client File/Disclosure schedule” section by selecting the form “ Annual statement on market conduct – Life and Health Insurance or Property and Casualty Insurance.”
- May 1: The deadline for submitting the Annual Statement.
Forms must be submit through the AMF E-Services. No other method of transmission will be accepted.
End of the warningThe Complaint Report
From now on, each Canadian licensed insurance entity required to complete the Annual Statement must enter and transmit its complaints through a "Complaint report" accessible at all times in the AMF E-services under the "Complaint Management" section.
Whether or not you have complaints to report, you must submit a "Complaints Report".
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Complaint Report / User’s Guide
(pdf - 7 MB)This link will open in a new windowUpdated on February 29, 2024
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Q & A – Annual Statement on Market Conduct and Complaint Report
(pdf - 162 KB)This link will open in a new windowUpdated on February 18, 2026
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Complaints Disclosure process
(pdf - 348 KB)This link will open in a new windowUpdated on April 8, 2026
Key dates
- March 1: Date from which it is possible to submit the Complaint Report via E-Services.
- May 1: The deadline for submitting the Complaint Report.
To learn more about Complaint examination
Video - Complaints disclosure process
This video follows the consultation on the type and nature of complaint to be reported as part of the CCIR’s Annual Statement on Market Conduct and its Complaint Report tool.
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Information session on September 19, 2024
(pdf - 319 KB)This link will open in a new windowUpdated on September 19, 2024
As a complement to this webinar, here is the presentation of the information session on the complaint disclosure process, aimed in particular at presenting a few examples of practical cases for the five types of complaints.
References
For additional information on the content of the Annual Statement, please contact:
- Your regulatory authority if you are incorporated under provincial legislation.
- The CCIR This link will open in a new window if you are a federally or foreign chartered insurer.
For technical questions on filing, please e-mail the AMF at [email protected].