Ethics Conflicts Disclosure and Policy Replacement

Learning outcomes

Identify actual and potential conflicts

Course journey

7 modules. One practical action plan.

1. 1

   Conflicts before recommendations

   Compensation, insurer relationships, sales incentives and personal interests can influence—or appear to influence—professional advice.

   17 min
2. 2

   Replacement and switching risk

   Replacing coverage can restart exclusions or contestability, change guarantees, create surrender costs and leave the client temporarily or permanently worse off.

   17 min
3. 3

   Disclosure and informed consent

   A form is not meaningful if the client cannot understand the conflict, product limitation, replacement risk or available alternative.

   17 min
4. 4

   Ethical decisions under pressure

   Client urgency, production targets and supervisor instructions do not remove duties of integrity, fairness and competence.

   17 min
5. 5

   Applied decision practice

   Apply Ethics and Conflicts to a complete client or file scenario before acting.

   17 min
6. 6

   Documentation and escalation

   Record the basis for Ethics and Conflicts, the uncertainty that remains and the person accountable for the next decision.

   17 min
7. 7

   Practice transfer and review

   Turn Ethics and Conflicts learning into a controlled practice change and a deliberate review point.

   18 min