ARCHIVESHISTORIQUES
DELACOMMISSION
COLLECTION RELIEEDES
DOCUMENTS "COM"
COM(74)13
Vol.1974/0002

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!COMMISSION OFTHEEUROPEANCOMMUNITIES
i
| COM(74)13Final
j Brussels,16January1974
[
PROPOSAL POE.A
COUNCIL(EEC)DIRECTIVE
abolishingrestrictions offreedomofestablishment inthe
"businessofdirectlifeassurance
(submittedtotheCouncil "bytheCommission)
C0M(74)13Final

EXPLMATORY MJÎÎORAKDUM
1,TitleIVDoftheGeneralProgramme(l)ontheabolitionof
restrictions onfreedomofestablishment ,adopted ,bytheCouncilon
18DecemberI96IpursuanttoArticle54(l)oftheTreaty
establishing theEEC,stipulatesthattheliftingofrestrictions
onthesettingupofagenciesandbranchesisdependentonthe
coordination ofconditionsforthetalkingupandpursuitofthe
business.Thiscoordination isthesubjectofaproposedDirective
submittedbytheCommissiontotheCouncilon14«12.1973 «
2»TheobjectofthepresentDirectiveistolifttho3erestrictions .
Amongotherthingsitlists,notexhaustively ,thoseproviisionsin
theIlemberStateswhichresultindiscrimination againstnationals
oftheotherMemberStatescomparedwiththeirownnationalsand
whichshouldthereforebeabolished.
3.ManyoftheprovisionsofthisDirectiveareidenticaltothose
ofthedirectiveof24July1973(2)abolishingrestrictions on
freedomofestablishment inthebusinessofdirectinsuranceother
thanlifeassurance,
(1)OJN0215JaiiuaryI962,p»36/62
(2)OJïï°L228,16August1973,p«20

4.Ithasthesamelegalbasis,namelyArticle54(2and3)ofthe
EECTreaty,Pr,rr^T£iph2ofthisarticlerequiresconsultation ofthe
EuropeanParliament andtheEconomicandSocialCommitteeon
Directivesofthistype.Incidentally ,thesetwoinstitutions were
consultedontheDirectiveabolishingrestrictions ofindemnity
insurance(l).
(l)OpinionoftheEuropeanParliamentdeliveredon13Marchi960
andpublishedinOJN°C27,28Ilarch1968,p,13;Opinionofthe
EconomicandSocialCommitteedeliveredon31May19^7»
publishedinOJN°11.8,20June1967,P«2323/67.

-3~
THECOUNCILOPTHEEUROPEANCOMMUNITIES,
Havingregard,totheTreatyestablishing theEuropeanEconomicCommunity,
andinparticularArticle54(2)and(3)thereof;
HavingregardtotheGeneralProgramme(l)fortheabolitionof
restrictions onfreedomofestablishment ,andinparticularTitleIVD
thereof;
HavingregardtotheproposalfromtheCommission j
HavingregardtotheOpinionoftheEuropeanParliament ;
HavingregardtothoOpinionoftheEconomicandSocialCommitteej
NhereastheGeneralProgrammereferredtoaboveprovidesforthe
abolitionofalldiscriminatory treatmentofthenationalsoftheother
MemberStatesasregardsestablishment inthe"business,firstlyof
directinsuranceotherthanlifeassurance,whichhasbeenachievedby
theCouncilDirectiveof24July1973(2)abolishingrestrictions on
freedomofestablishment inthebusinessofdirectinsuranceotherthan
lifeassurance,and,secondly,th.3businessoflifeassurance ;
Whereas,inaccordancewiththisGeneralProgramme,theliftingof
restrinctions onthesetting-upofagenciesandbranchesis,a3regards
directinsuranceundertakings ,dependentuponthecoordination of
conditionsoftalcingupandpursuitofthebusiness;whereasthis
coordination hasbeenachievedfordirectlifeassurance thefirst
Cour.cilDirective»••••*: "'
./.
(1)OJN02,15,1.1962,p.36/62
(2)0J11°L228,16,8,1973,p.20
/

-4-
WhereasthescopeofthisDirectiveininallrespectsthesameasthat
definedinAnnexItothefirstDirectiveoncoordinationrelatingto
lifeassurancej
Whereas,inaccordancewiththeGeneralProgrammereferredtoabove,
therestrictions ontherighttojoinprofessional organizations mustbe
abolishedwhoretheprofessionalactivitiesofthepersonsconcerned
involvetheexercizeofthisright;
HASADOPTEDTHISDIRECTIVE :
Article1
IlemberStatesshallabolish,inrespectofthenaturalpersonsand
companiesandfirmscoveredbyTitleIoftheGeneralProgrammeforthe
abolitionofrestrictions onfreedomofestablishment ,hereinafter
called"beneficiaries ",therestrictions referredtoinTitleIIIof
thisprogrammeaffectingtherighttotakeupandpursueself-employed
activitiesintheclassesofinsuranceandthetransactions specified
inArticle1ofthefirstDirectiverelatingtothecoordination of
lifeassurance.
By"FirstDirective"oncoordination oflifeassuranceismeantthefirst
OcuncilDirectiveofoncoordination oftholavrc,ro-ifulalionsand
administrative provisionsrelatingtothetaking^-upandpursuitofthe
businessofdirectlifeassurance.
./

Article2
1»MemberStatesshallinparticularabolishthefollowing
restrictions :
(a)thosewhichpreventbeneficiaries fromestablishing themselvesin
thehostcountryunderthesameconditionsandwiththesame
rightsasnationalsofthatcountry;
(b)thoseexistingbyreasonofadministrative practiceswhich
resultintreatmentbeingappliedtobeneficiaries thatis
discriminatory bycomparisonwiththatappliedtonationals,
2»Therestrictions tobeabolishedshallincludeinparticular
thosearisingoutofthefollowingmeasureswhichpreventorlimit
theestablishment ofbeneficiaries :
(a)inGermanys
thediscretionary poweroftheFederalMinistryofEconomic
Affairstoimposeitsownconditionsofaccesstothisbusiness
onforeignnationalsandtopreventthemfrompursuingthis
businesswithintheFederalRepublic(Article106(2),n°1,
incunjonctionwithArticle8(l),n°3,Article106(2),last
sentence,andArticle111(2)oftheLawof6June1931(VAG);
(b)inFrance:
-theneedtoobtainspecialconsent(Lawof15February1917»
asamendedandsupplemented bythe"decret-loi"of30October
1935*Article2(2)andthe"decret"of19August1941»as
amended,Articles1and2):
•/.

theobligationtoprovideasurety-bondorspecialguaranteesasa
reciprocalrequirement (Lawof15February1917,amendedand
supplemented bythe"decret-loi"of30October1935,Article2(2)
the"decret-loi"of14June1938,Article42,the"decret"of30
December1938,asamended,Article143andthe"decret"of14
December1966,Articles9,10and11);
theobligationtodeposittechnicalreserves("decret"of30
December1938asamended,Article179-"decret"of13August
1947,asamended,Articles8and13-"decret"of14Deosmber
1966,TitleI);
)inIreland:
theprovisionstha.t,tobeeligibleforaninsurancelicence,a
companymustberoistered undo":''theIrishCompaniesActs,
two-thirdsofitssharesmustbeownedbyIrishcitizensandthe
majorityofthedirectors(otherthanafull-timeraneging
■director)mustbeIrishcitizens(Section12oftheInsurance
Act1936,Section7oftheInsuranceAct1964)I
)inItaly:
theobligationtoprovethatthepersonconcernedhaslawfully
pursuedtheactivityofLifeassuranceforatleasttenyears
(Article19ofthedocretodelPresident©dellaRopubblioaof
13February1959,n°449,consolidating thelawsontheexercise
ofprivateprovisionofinsurance):

e)inLuxembourg :
-theobligationtoprovethatthepersonconcernedhaspursued
activitiesforatleastthreeyearsinthefieldsforwhich
anauthorizationisapplied(Art,'3oftheLawof6September
1968onsupervisionofinsurancecompanies);
g)intheNethcrlands :
-thefactthatlife-assurance policiesofanendowmentnature
maynotbeformed(Art,29,lastparagraphoftheLawof
22December1922),
3,Thelaws,regulationsoradministrative provisionsthatinvolve
beneficiaries intheobligationtoprovideadepositorspecial
surety-bondshallnotbeabolished,aslongastheundertakings do
notfulfilthefinancialconditions'underArticles18to20ofthe
firstDirective oncoordination ofLifeassuranceinaccordance
withtheprovisionsofArticle33(l)and(2)ofthesame
Directive,
Article3
1,IJhereahostLemberStaterequiresofitsownnationalswishing
totakeupanyactivityreferred .toinArticle1proofofgood
reputeandproofofnopreviousbankruptcy ,orproofofeither
ofthese,thatStateshallacceptassufficientevidence,'in
respectofnationalsofotherIiemberStates,theproductionof
anextractfromthe"judicialrecord"or,failingthis,ofan
equivalentdocumentissuedbyacompetentjudicialoradministrative
authorityinthecountryoforiginorthecountrywhencethe
foreignnationalcomes,showingthattheserequirements havebeen
met•

2,Where thecountry oforigin orthecountry whence theforeign
national comes does notissue such documentary proof ofgood repute
ordocumentary proof ofnoprevious "bankruptcy ,such proof mayhe
replaced byadeclaration onoath -orinStates where there isno
provision fordeclaration onoath ,"byasolemn declaration -made
bytheperson concerned before acompetent judicial oradministrative
authority ,orwhere appropriate anotary ,inthecountry oforigin
orinthecountry whence that person comes ;such authority or
notary will issue acertificate attesting theauthenticity ofthe
declaration onoath orsolemn declaration ,Adeclaration in
respect ofnoprevious bankruptcy mayalso bemade before a
competent professional ortrade body inthesaid country .
3«Documents issued inaccordance with paragraph 1orwith ,
paragraph 2maynotbeproduced more than three months after their
date ofissue ,
4,Member States shall ,within thetime limit laid down inArticle 6,
designate theauthorities andbodies competent toissue these
documents and shall forthwith inform the other Member States and
the Commission thereof .
*
Article 4
1,Member States shall ensure that beneficiaries have theright to
join professional ortrade organizations under thesame conditions
andwith thesame rights andobligations astheir ownnationals .

2,Therighttojoinprofessional ortradeorganizations shall,in
thecaseofestablishment ,entaileligibilityforelectionor
appointmenttohighofficeinsuchorganizations ,Eowcver,such
postsmay"bereservedfornationalswhere,inpursuanceofany
provisionlaiddownbylaworregulation ,theorganization
concernedisinvolvedintheexerciseofofficialauthority,
3.IntheGrandDuchyofLuxembourg,membershipofthe"Chambrede
commerce"shallnotgivebeneficiaries therighttotakepartin
theelectioncftheadministrative organsofthatChamber,
Article5
NonemberStateshallgranttoanyofitsnationalswhogoto
anotherMemberStateforthepurposeofpursuinganyactivityreferred
toi:iArticle1anyaidliabletodistorttheconditionsof
establishment.
Article6
l-'iemberStatesshallamendtheirnationalprovisionsinaccordance
v;iththisDirectivewithin18monthsofthenotification ofthe
firstDirective oncoordination oflifeassuranceandshallforthwith
informtheCommissionthereof.Theprovisionsthusamendedshall
beimplementedatthesametimeasthelaws,regulations and
administrative provisionsadoptedinpursuanceofthefirstDirective,
Article7
ThisDirectiveisaddressedtotheIJemberStates,