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Insurance-advice and brokerage enquiry — Financial adviser — Professionals
Insurance providers should establish product category, client jurisdiction and permitted activities before requesting sensitive information. Distinguish advice and arrangement from claims handling, with clear disclosure of remuneration and coverage limitations.
Service scope
Professional assistance identifying insurance needs and reviewing or arranging suitable cover within the provider's permitted scope. Policy type, exclusions, underwriting and remuneration require clarification; a comparison or introduction is not a guarantee that a claim will be paid.
What is normally included
- Insurance-needs scoping
- Review of relevant cover options
- Agreed brokerage or advice service
What is not included
- Guaranteed claims acceptance
- One-policy-fits-all recommendations
- Public disclosure of detailed health or security information
Qualification checks
- Identify the insurance need
- Confirm permissions and market scope
- Explain secure fact-finding
- Disclose fees or commission arrangements
- Define after-sale and claims-support boundaries
Quote guidance
Separate adviser or broker charges from insurer premiums and additional services where relevant. State when fees become payable and whether ongoing reviews or claims assistance are included without promising future claim outcomes.
Lead risks
- Existing policies may overlap
- Renewal pressure may shorten assessment time
- The enquiry may be for claims support rather than new cover
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