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Umf;sturbrnogf;sturforeldragildirsamaogumbrnogforeldra.Frdnarb;tumsem  greiddareruvandamnnumberaWdragaYrrorkubtursemgreiddarhafaveriWeinulagi a skv.4.mgr.12.gr.vegnasamaslyss. T,   14.gr.  Samspilogskrunb;ta.   hq  EnginngetursamtmisnotiWfleirieneinnartegundargreiddrab;tasamkvmtlgum  X YessumoglgumumalmannatryggingarvegnasamaatvikseWafyrirsamatmabil.Saman K #  megaY;fara:    ! ! 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Umsamspilogskrunb;tasamkvmtYessumlgumoglgumumalmannatryggingar r gildaaWWruleytikvWi48.gr.lagaumalmannatryggingar. e=   15.gr.  kvrWunb;ta.  +|  Allarums;knirskulukvarWaWarsvoflj;ttsemkosturerogskulubturreiknaWarfr i YeimdegiYegarumskjandinnhefuruppfylltskilyrWitilb;tanna.MnaWarlegarbturskv. \4 12.og13.gr.reiknastY;frfyrstadeginsta&  mnaWareftiraWb;tartturerfyrirhendiog ' fallaniWurlokYessmnaWarerb;tarttilUkur.''}    Bturvegnasjkrahjlpar,dagpeningaogdnarbturskalaldreikvarWalengraaftur  tmannentvrfrYvaWums;knognnurggnsemnauWsynlegerutilaWunntsaWtaka `  kvrWunumb;tarttogfjrhWb;taberastsjkratryggingastofnuninni.UmgreiWslur S+! slysalfeyrisafturtmannfersamkvmtlgumumfyrningukrfurttinda. "   kvarWaWarbturfallaniWurefYreruekkis;ttarinnant;lfmnaWa,enkvarWam # bturnUefrkstuddums;knberst.  $   Grundvllb;tarttarmskoWahvenrsemerogfratilsamrmisviWYrbreytingar !W% semorWiWhafa. J""&   III.KAFLI #(  TmiskvWi.  $ ) 16.gr. v%N!* Tekjur. A&"+   Btgjldslysatryggingaskuluborinaftekjumrkissj;WsaftryggingagjaldiogiWgjldum  '", skv.3.mgr.XskalrlegakveWafjrlgumframlagsemstandaskalundirkostnaWiaf '#- b;tumvegnaYeirrasemumgeture-liW1.mgr.7.gr. (z$. 7      Sjkratryggingastofnuninskalrhvertgeratlunumb;tagreiWslurogrekstrarkostnaW ( slysatrygginganstaalmanaksr.    IWgjldtgerWarmannafiskiskipavegnaslysatryggingasj;mannaskuluvera0,65%af  samanlgWumlaunumogaflahlutsj;mannasemstarfahjYeimhverjusinni.IWgjldYessi a skulusamtdagpeningumskv.6.mgr.21.gr.standaundirgreiWslulaunaog/eWaaflahlutar T, skv.2.mgr.21.gr.ogrekstrarkostnaWislysatryggingavegnaframkvmdarsjkratrygginga  stofnunarinnarviWtrygginguYessa.IWgjldYeirrasemstundaheimilisstrfskv.8.gr.skulu  kveWinYannigaWYaustandiundirkostnaWiviWtryggingunaogrekstrarkostnaWisjkratrygg   ingastofnunarinnarvegnaframkvmdarinnar.  X   17.gr.    IWgjld.      IWgjldskv.16.gr.skalrkisskattstj;rileggjameWtekjuskattiogfraYauskattskr,   sbr.98.gr.laganr.90/2003,umtekjuskatt,ogskulukvWi99.gr.YeirralagaogkvWi wO  laganr.30/1992,umyfirskattanefnd,gildaumiWgjldeftirYvsemviW. B    kvWilaganr.113/1990,umtryggingagjald,skulueigaviWumgjaldstofn,gjaldskyldu,    greiWslutmabil,lagninguoginnheimtuiWgjaldstgerWarmannafiskiskipavegnaslysatrygg   ingasj;manna.AWtekjuriliWnuskalfaraframendanlegkvrWuniWgjaldsinssamrmiviW {  launaframtalogskaliWgjaldiWsrgreintlagningarskrogskattskr.Rkisskattstj;riskal nF haldaskryfirgjaldskyldaaWilaogskaleftiratvikumleitastaWfestingariWgjalditgerWar 9 aWilaYegargreiWsluskyldasjkratryggingastofnunarinnarerkvrWuW.    GjalddagariWgjaldaskulukveWnirreglugerW.    18.gr. e= Innheimta. 0   IWgjldtilslysatryggingaskuluinnheimtafinnheimtumnnumrkissj;Wsogsveitarsj;Wa  eWasrstkuminnheimtustofnunum.kvWilaganr.90/2003,umtekjuskatt,YarmeWalum  drttarvextiogfjrnmsrtt,gildauminnheimtuiWgjalda. i   &  19.gr. ' IWgjldtgerWarmanna.    IWgjldtgerWarmannafiskiskipavegnaslysatryggingasj;mannaskv.16.gr.skuluhvla  semlgveWhlutaWeigandiskipumoggangafyrirllumWrumveWumenlgveWumfyrir `  gjldumrkissj;Ws.'' S+!   20.gr. # Frjlsarslysatryggingar.  $ g  HeimiltersjkratryggingastofnuninniaWtakaaWsrfrjlsarslysatryggingar.SkalY !W% jafnangefatvtryggingarskrteini.EnnfremurgeturstofnuninmeWsamYykkirWherratekiW J""& aWsrbyrgWartryggingar. #'   RWherrakveWurmeWreglugerWnnaritilhguntryggingumsamkvmtYessarigrein, #( YarmeWalaWhvemikluleytiskuliendurtryggjaYhttusemsjkratryggingastofnunin $ ) tekursig. v%N!*   A&"+   2& ,  1.gr. ( ViWb;tartryggingtgerWarmannafiskiskipa.  A  BtgerWarmennfiskiskipaskulutryggjahttuvegnab;taskyldraslysasamkvmtlgum  Yessumog1.mgr.36.gr.sj;mannalagah',(Njsjkratryggingastofnuninni. a   SjkratryggingastofnuningreiWirtgerWarmnnumfjrhWsemsvarartilfullralauna T, og/eWaaflahlutarsj;mannaalltaWtvomnuWi.    BtgerWarmennskulugreiWaiWgjaldskv.16.gr.    BtgerWarmennsemYess;skagetasagtupptryggingu,sbr.1.mgr.,fyrir1.n;vemberr   hvertvegnanstarseftir.Tilkynningumuppsgnskalberastsjkratryggingastofnuninni.  X EftiraWuppsgnhefurWlastgildieigatgerWarmennekkirttgreiWslumvegnalaunaeWa K #  aflahlutarforfllumvegnaslysaennj;taslysatryggingaalmennralaunYega.      HaldaskaltryggingumsamkvmtYessarigreinreikningslegaaWskildumfrannarristarf    semisjkratryggingastofnunarinnar.     Dagpeningarskv.11.gr.skulurennatilsjkratryggingastofnunarinnarYanntmasem wO  greiWslurlaunaogaflahlutareigasrstaW. B    22.gr.   Rttindimillilanda. {  K  Xegarmillirkjasamningarsem0slanderaWiliaWkveWaumgagnkvmrttinditilslysa nF tryggingaalmannatryggingaskuluYeirsemfallaundirslenskalggjfsamkvmtkvWum 9 samningannaWlastrttindisamkvmtlgumYessum.    kvWi1.mgr.eigaeinnigviWumeinstaklingasemerusjkratryggWirskv.1.mgr.11.  gr.lagaumsjkratryggingarogstarfaerlendisfyriraWilasemhefuraWseturogstarfsemi r 0slandi,endastryggingagjaldgreitthrlandiaflaunumhans,sbr.lgumtryggingagjald. e=   RWherraseturreglugerWumnnariframkvmdgreinarinnar,m.a.umheimildtilaWdraga 0 frb;tumsamkvmtlgumYessumbtursamkvmterlendrilggjffyrirsamatmabilog  bturerugreiddarfyrirhrlandi.    & a 23.gr. \4 ReglugerWarheimild. '   RWherraerheimiltaWkveWaumnnari'a\ԀframkvmdlagaYessarareglugerWum.    24.gr. `  InnleiWing. S+!   RWherraerheimiltaWinnleiWameWreglugerWalmannatryggingareglurEvr;pusambands " inseinsogYrerufelldarinnVI.viWaukaviWsamninginnumEvr;pskaefnahagssvWiW, # sbr.lgnr.2/1993,meWsWaribreytingum,sbr.einnigkvrWunsameiginleguEES-nefndar  $ innarnr.76/2011fr1.jl2011semfellirundirsamninginnreglugerWirEvr;puYingsinsog !W% rWsins(EB)nr.883/2004umsamrmingualmannatryggingakerfa,meWsWaribreytingum, J""& ognr.987/2009umframkvmdhennar.ReglugerWirEvr;pusambandsins,semteknarverWa #' uppsamninginnogfelasrbreytingareWaviWbturviWYrreglugerWir,ereinnigheimilt #( aWinnleiWameWreglugerW.SamaviWumalmannatryggingareglurstofnsamningsFrversl $ ) unarsamtakaEvr;pu. v%N!*   A&"+   2& ,  5.gr. ( Gildistakaoglagaskil.  &  LgYessiWlastgildi1.janar2016.  ',(3  kvWilagaumsjkratryggingargildaumslysatryggingareftirYvsemviW,m.a.um a mlsmeWferW,kvarWaniroggreiWslurb;ta,Yagnarskyldu,meWferWpers;nuupplUsinga, T, stj;rnsUslukruroghkkunb;ta.    kvWilagaumalmannatryggingargildaeftirYvsemviWumrttarstWusambWar  f;lks,greiWslurtilYriWjaaWila,fangelsisvist,gsluvarWhaldogaWradvlstofnunsam   kvmtrskurWi,dvlsjkrahsiogupplUsingaskylduheilbrigWisstarfsmanna,svoogum  X framsalogveWsetningub;takrafna,kyrrsetninguogfjrnm. K #    UmgreiWslurtilviWb;tarrorkulfeyriskv.12.gr.fersamkvmtlgumumalmanna    tryggingaroglgumumflagslegaaWstoW.      26.gr. wO  BreytingWrumlgum. B    ViWgildistkulagaYessaraverWureftirfarandibreytinglgumumaWbnaW,hollustu    httiogryggivinnustWum,nr.46/1980,meWsWaribreytingum:0staWorWanna?Trygg   ingastofnunrkisins 4.mgr.79.gr.lagannakemur:Sjkratryggingastofnunin. {    kvWitilbrWabirgWa.  9 ˩  EndurskoWaskallgYessiinnantveggjarafrgildistkuYeirra.