Needs analysis and advice
Quebec trade rule for insurance and mortgage brokers, applicable throughout the Centre-du-Québec region.
The rule
The insurance representative must inquire into the client's situation, advise them and, before the contract, describe the product and specify the exclusions (art. 27 and 28). The mortgage broker has similar obligations and must describe the loan offered (art. 58.1 and 58.2). Ben prepares the information; the broker gives the advice.
Information about Quebec rules, not legal advice. Check with your professional order, advisor or the official source.
How Ben helps
- Quotes
- Documents
- Renewals
- Deadlines
Qualifies quote and renewal requests, collects documents, reminds clients of deadlines and hands the broker complete files. It never gives advice: the broker stays responsible.
Ben in the cities of the Centre-du-Québec region
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Questions
Needs analysis and advice — what does it mean?
The insurance representative must inquire into the client's situation, advise them and, before the contract, describe the product and specify the exclusions (art. 27 and 28). The mortgage broker has similar obligations and must describe the loan offered (art. 58.1 and 58.2). Ben prepares the information; the broker gives the advice.
Does Ben apply this rule automatically?
Ben follows your templates and rules and shows you the result for approval. Never gives advice: the broker stays responsible.
Is this legal advice?
No. This is general information about Quebec rules. Always check with your professional order, advisor or the official source.
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