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      "text": "1. “Premiums” are used to pay the life insurance premiums. 2. Insurance Companies are not permitted to take deposits. 3. Manulife’s administrative rules do not allow for the balance in the Carrier Fund to exceed five years of minimum premium payments.",
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      "text": "Finally, even if the court found there was contractual ambiguity at step one and step two of the test under Canadian law, the court would then apply the contra proferentem rule.",
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      "text": "If we were applying the second step of the test set forth in Ledcor and Sabean and we looked at general rules of contractual interpretation, we would examine the parties understanding and intent at the time in which they entered into the contracts.",
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      "text": "“Premiums” are used to pay the life insurance premiums. Premiums should only be deposited if they are to be used to pay life insurance premiums and should not be deposited for investment purposes. — Manulife",
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      "text": "51 We note that we have not covered every single argument made by Manulife and Mosten in this research piece. 52 See paragraph 12, page 3 of the Manulife Brief of Law, August 30, 2018. 53 See paragraph 13, page 3 of the Manulife Brief of Law, August 30, 2018. 54 See paragraph 28, page 7 of the Manulife Brief of Law, August 17, 2018.",
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