IAIS Insurance Core Principles (ICPs) 19.8: Advice that takes account of the customer's disclosed circumstances

What does 19.8 require?

Where customers receive advice before concluding a contract, the advice given by insurers and intermediaries must take into account the customer's disclosed circumstances.

Maintained by Gerard BlokdykControl text last updated 21 May 2026

Other controls in ICP 19: Conduct of business – IAIS Insurance Core Principles (ICPs)

19.1 19.1 Due skill, care and diligence with customers
19.10 19.10 Claims handled in a timely, fair and transparent manner
19.11 19.11 Complaints handled in a timely and fair manner
19.12 19.12 Policies and processes for protecting and using customer information
19.13 19.13 Public disclosure by the supervisor that supports fair treatment
19.2 19.2 Fair treatment of customers as policy, process and culture
19.3 19.3 Conflicts of interest avoided or properly managed
19.4 19.4 Arrangements between insurers and intermediaries that secure fair treatment

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