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Dr. Charles Vanstone did not like charging patients when he couldn't cure them. After serving as the local physician in Wawanesa for 18 years they moved to North Battleford where he imported and showed heavy draught horses.

Vanstone was the board's choice to replace A.F. Kempton. It was in Vanstone's drug store that the company got its start and he was no doubt an enthusiastic supporter of the new venture. Between the downturn of the '20s and Vanstone's lack of experience, the company suffered considerable losses. Once back on track, The Mutual was able to absorb ten other weakened companies without financial loss to members or agents.

In 1926 the company began writing coverage on private buildings and offered auto insurance. In 1929 they were granted Dominion Charter. This meant that The Mutual could offer coverage in every province. This coverage was guaranteed by the Dominion Dept of Insurance. W.M.I.C. could now insure Canadians from coast to coast.

A new two story office was built across the street from the original building in 1930.

By wage cut backs and keeping a tight rein on finances, the company survived the "Great Depression".

Due to ill health Dr. Vanstone retired in 1943. He had worked tirelessly for 21 years, building on the foundation laid down by Kempton. The company was now one of the largest in Canada.