Insurance Agent — Sales Compliance Checklist

Insurance Agent — Sales Compliance Checklist

Industry front door for checklist. Adds domain triggers, example, packs. Parent Process unchanged. Not legal advice. Insurance rules are state-specific; verify against your state DOI and carrier requirements.

Activate when: binding a new policy; replacing an existing policy; selling annuities/life with suitability rules; onboarding a producer; building the agency's sales SOP. Do NOT activate when: internal rating/coverage design with no compliance step.

Why this variant

The parent checklist is a must-not-skip gate. Insurance sales carry state-mandated, penalty-backed steps (licensing/appointment, suitability, replacement disclosure, E&O) that are easy to skip at speed. This maps them onto the gate.

Domain inputs → the checklist gate

• License + appointment: producer licensed in the state + line, appointed with the carrier; CE current.
• Suitability (esp. life/annuity/LTC): documented basis that the product fits the client's needs/finances. Gate: no documented suitability basis on a replacement/annuity = do not bind.
• Replacement rules: required replacement notices/comparison delivered and signed; no unjustified churning.
• Disclosures: fees, surrender charges, conflicts, agent-vs-broker capacity.
• E&O + records: E&O coverage active; application, disclosures, and suitability retained.

Worked example

Agent replaces a client's existing annuity with a new one for a bonus, no comparison shown. → Gate fails on suitability + replacement disclosure (churning risk). Document the client's benefit vs surrender cost, deliver the replacement notice, or don't proceed.

Compliance anchors

• State producer licensing/appointment; NAIC suitability/best-interest (annuity) model as adopted by state; replacement regulations; E&O.

Packs

• Solo agent: per-sale compliance card (license/suitability/replacement/disclosure).
• Agency: CE + appointment tracker; suitability documentation template.

Red flags

• Selling a line/state you're not appointed/licensed for.
• Replacement with no comparison or client benefit shown.
• Annuity/life sale with no suitability record.

Verification

• License + carrier appointment + CE current
• Suitability basis documented (life/annuity/LTC)
• Replacement notices delivered where applicable
• Fees/surrender/conflicts disclosed
• E&O active; records retained

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Part of deciqAI Knowledge Skills — 227 open-source thinking skills that make rigor executable for AI agents. The same skills power every deciqAI agent, which runs them autonomously to operate your company. See it run → https://www.deciqai.com/c/insurance-agent-compliance-checklist · ⭐ Star the repo → https://github.com/deciqAI/knowledge-skills · Contributions welcome.

Agents: latest version & machine-readable metadata → https://www.deciqai.com/s/insurance-agent-compliance-checklist.json