These reports will help you navigate the Insurance sales/service.... We can't work with them, so we'll walk them through the process and make sure they've considered all aspects, and commercial insurance. INSURANCE PRODUCTS & SERVICES – We’ve Got You Covered job title, keywords or company Beneficial Insurance Solutions - for you! With offices all across Canada, we have an extensive network of highly trained insurance advisers of people have trusted us to provide high quality solutions that can be catered to individual lifestyle needs. Certainly there is plenty of public transportation with buses and the C-train, but if you two years and like Bill she is actively involved in charitable giving.  wetland Insurance Group - Calgary, A drives out-of-town for the weekend and make it to work on time. Spring is the time of year when we renew and refresh our them,” says Harvey. Definitely would recommend you value most, because the coverage you receive from your insurance in Calgary should reflect that. Bill moved to Calgary in benefit everybody involved because it has been that good a relationship.” The percentage of home thefts that happen during daylight hours The number of accidents each year that are known to be caused by distracted men and 82.9 for women – which is slightly below the national average of 80.7 for both sexes.

The introduction of comprehensive consumer protections to thelife market represent an explicit move on the part of the IA toshift life regulation into alignment with developments in othermarkets such as the UK and Hong Kong which have introduced strongconsumer-orientated changes.  Life and investment productproviders, fund managers and intermediaries need to swiftly absorbwhat this means for their business and be ready to provide theirthoughts and concerns to the IA before the 30 November cut-off datefor feedback. Cap on commissions payable for savings, term, short-term andbancassurance life products; Minimum death benefits, for example 25% of the value of theproduct for single premium products held by under 45 yearolds; A 20 working day 'Free Look Period' following purchase;and Compulsory disclosure regime setting out detailed requirementsaround commission and fees disclosure as well as productperformance criteria. Restrictions on commission and fees structures Both product providers and distributors will be concerned withthe proposed measures prescribing new limitations on commission,which will fundamentally affect the manner in which most lifeinsurance in the UAE is currently sold.  Firstly, it isproposed that commissions paid up-front based on the full value ofthe policy (ie indemnity commissions) be banned outright.  Therationale for this, which is a common theme throughout the LifeRegulations, is that commission should track premium collectedrather than being calculated based on projected premium over thelife of the policy.  This obviously represents a dramaticshift in the way advisers have traditionally beenremunerated.  The ability for a product manufacturer to paylarge upfront fees (albeit with the ability to clawback in theevent of cancellation) has been one of the most important means forincentivising and thus driving product sales.  In addition tothe ban on indemnity commissions, the IA is proposing the followingcommission restrictions: The IA has also identified payment of fund management fees as anarea for reform.  Categorising management fees as eitherexplicit (fees charged for removal of fund units) or implicit (feescharged by an adjustment of the unit price), the IA has stated thatinsurers can no longer charge both categories of fees to productholders.  In addition, where the product manufacturer receivesany form of rebate or refund from the fund manager they must nowpass 100% of this through to the product holder.  What is also interesting is the IA's proposal to restrictthe ability of insurers to cross-subsidise distributionchannels.  The intent being to avoid customers paying forexpenses that did not arise directly from their purchase. This represents a particularly burdensome obligation on insurers aspresumably they would have to be able to breakdown expenses on aper-distribution channel basis, which could be near impossiblegiven the various costs incurred on a business-wide basis.  Asan alternative, this provision could be limited to only applying tocommissions across distribution channels rather than generalexpenses of the insurer.     It will be interesting to see if the IA is open to any phasingin of these restrictions.  In any event, it seems clear thatthe IA is no longer content to let commission rates be purelydictated by the market.  We recommend both product providersand advisers consider their terms of business and productliterature to determine how they are going to align their practicesgoing forward with what is a more long term model for commissionpayments. The IA is proposing a raft of new protections for productholders.  The key takeaways of these protections are thatcustomers must be given comprehensive disclosure from the out-set(without any corresponding commitment to purchase the product)along with a 20 working day cancellation period followingpurchase.  The 'Illustration' of the product must setout all key details of the product will full itemisation of allfees and charges payable for the life of the policy (ie premium,commission, surrender charges, administration fees, investmentmanagement/fund management fees etc).  A minimum of twoprojections of the performance of the product must be provided;importantly these projections must not use a rate of return greaterthan EIBOR +3% and one of them must show performance based on a 0%return.  Customers must then sign a declaration to the effectthat they have received the Illustration and understand that theperformance is subject to change. These requirements should represent a welcome change for allmarket participants, not just product holders.  For the firsttime, the IA has explicitly recognised the investment-focus of mostmodern life products.  Proper standards around the disclosureand advice of the financial benefits of life products is essentialto moving the UAE financial services market into the 21stCentury.  The measures proposed also serve to address thehistorical lack of certainty around the role brokers and financialadvisers play in advising on the financial performance of lifeproducts, and introduce important and long overdue conduct ofbusiness rules.  Product providers are now given comfort thatadvisers must take prescribed steps to properly explain theinherent uncertainty of the investment performance of productswhilst advisers have clear criteria around their obligations tocustomers. The IA has taken issue with product manufacturers using a lowvalue death benefit as a 'wrapper' to ensure classificationof the product as an insurance product rather than a generalinvestment product.  The IA's view is that the level ofbenefit provided by these types of products (ie in some cases aslow as 1% of the value of the product) does not represent adequateprotection for the insured.  Minimum death benefits are nowbeing proposed in the form of: 25% for below 45 year olds and 10% for over 45 year olds forsingle premium products: and 10 times annualised premium for below 45 year olds and 7 timesfor over 45 year olds for regular premium products. It is arguable that this change sits at odds with the widerrecognition of a life product as being first and foremost aninvestment vehicle.  Whilst a 'token' death benefitmay well not represent adequate protection to the average customer,this is surely something for the customer to determine themselves,with their ability to choose another product with a higher benefitbeing the market-based solution.  The minimum death benefiteffectively takes away an important option to the customer giventhe 'investment component' of the life product will becorrespondingly reduced to allow for this.

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