Howard Mutual Insurance Company is offering up to five $1,000 scholarships to students pursuing a full-time post-secondary education at a Canadian university or college in any area of study.


Applicants must be:

  • Policy holders, children of policy holders, or children of Howard Mutual staff, who have not already applied for a scholarship from Farm Mutual Re. Children of Directors are not eligible for the scholarship.
  • 23 years of age or younger
  • Enrolled in full-time post-secondary education at a Canadian university or college (proof of enrollment is required)
  • Canadian citizen residing in Ontario


Applicants must complete and sign this application form and submit an assignment to be considered for the scholarship.

The assignment can be submitted in the format that best suits your skills and interests, including essay (up to 750 words), video, presentation, artwork etc.

Applications must be received by 4:30 pm on August 31, 2021.

We ask that scholarship applications be submitted to us by mail, email or hand deliver to our drop box.


Howard Mutual Insurance Company
20 Ebenezer Street West, P.O. Box 398
Ridgetown, Ontario N0P 2C0

Assignment Topic

When people talk about insurance companies, they often believe all insurance companies are the same. This is not true. Howard Mutual is proud to be one of many local mutual insurance companies in Ontario and across Canada. Mutuals are a different type of insurance company as compared to public or stock insurance companies.

Explain the main differences between a mutual insurance company and a stock insurance company, including the pros and cons of dealing with each of these types of insurance companies. Outline the possible benefits of belonging to a local mutual insurance company, as well as the benefits of a mutual insurance company (like Howard Mutual) operating in the local community.