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The Canadian Council of Insurance Regulators (CCIR), after public consultations, agreed on three principles as being best practices in managing actual or potential conflicts of interest.  The principles promote consumer confidence in the insurance industry by outlining best practices for managing these situations when they arise.

The principles are:

  • The client’s interest come first: Distributors must put the interests of policyholders and purchasers ahead of their own;
  • Make clear any conflicts or potential conflicts of interest: Consumers must receive disclosure of any actual or potential conflict of interest that is associated with a transaction or recommendation; and
  • Ensure products are the right fit: Products recommended must meet the needs of the consumer.

The Commonwell Mutual Insurance Group and its legacy companies, Farmers’ Mutual Insurance Company (Lindsay), Glengarry Mutual Insurance Company and Lanark Mutual Insurance Company, support these principles. If you feel that our representatives are not following them, please let us know by contacting one of our regional offices.