I would frame things a little differently.

For example, why shouldn't groups of people with a common bond, you know, the stuff that credit unions are made out of, be able to much more easily form cooperative insurance companies? To answer this question in an affirmative, positive manner would require at the very least liberalization of the rules for obtaining a certificate of authorization for forming an insurance company. In the USA anyhow. I'm not familiar with how insurers are regulated in Canada, but in USAmerica the states regulate the insurance industry.

C'est exactement ce que nous devons faire. Mais au Canada, par exemple, certaines compagnies "mutuelles" ont été rachetées et privatisées dans les dernières années. Je me demande s'il existe de sites Internet qui abordent directement cette question.