Issue link: http://clhia.uberflip.com/i/644367
10 Annex A: CLHIA Guidelines Guideline G1, Product Disclosure, deals with disclosure materials that insurers develop about their individual insurance products. Guideline G2, Individual Variable Insurance Contracts relating to Segregated Funds, sets out requirements in a number of important areas, including pre-sales disclosure, policy delivery, contracts, and fundamental changes. Guideline G3, Group Life and Group Health Insurance, sets out practices for group insurance, covering such areas as member certificates, conversion privileges, and change of insurer. Guideline G4, Coordination of Benefits, sets out a consistent set of rules to follow when an individual is covered under more than one group insurance plan. Guideline G5, Travel Insurance, sets out pre-sales disclosure and delivery practices. Guideline G6, Illustrations, sets out practices for pre-sales and post-sales insurance illustrations, reinforcing that non-guaranteed features are clearly identified and the impact of the variability of these features is well illustrated. Guideline G7, Creditor's Group Insurance, sets out operating and disclosure practices for Creditor's Group Insurance. Guideline G8, Screening Agents for Suitability and Reporting Unsuitable Agents, sets out a framework to assist companies in establishing and maintaining a system for screening and monitoring agents. Guideline G9, Direct Marketing, sets out disclosure practices in the direct marketing channel. Guideline G10, 10-day Insurance Contract Rescission Right, sets out an industry standard of a "free-look" period for customers after receipt of a new life or accident and sickness policy. Guideline G11, Policyowner Statements and Notices, sets out disclosure practices for in-force policies. Guideline G12, Capital Accumulation Plans, sets out regulators' expectations for the operation of CAPs (this Guideline was developed by the Joint Forum and adopted by CLHIA). Guideline G13, Compensation Structures, Managing Conflicts of Interest, deals with insurers' practices to monitor and manage conflicts of interest that could arise due to sales-related compensation. Guideline G14, Confirming Advisor Disclosure, deals with insurer practices to confirm that advisors are making appropriate disclosure about themselves and potential conflicts of interest. Guideline G15, Guaranteed Withdrawal Benefit (GWB) Illustrations, describes the information that should be included in illustrations of IVICs offering guaranteed withdrawal benefits.