Guide

Insurance Compliance Basics: What “Audit‑Ready” Actually Means

A practical guide to building compliance into your workflow so every client file is consistent.

A repeatable compliance checklist

You don’t need a legal dissertation — you need consistent documentation.

  • Consent captured
  • Key disclosures recorded
  • Needs analysis documented
  • Recommendation notes saved
  • Documents stored

Where compliance fits

Compliance belongs at checkpoints: after quoting and before binding; and during renewal review.

  • After quote: capture disclosures + needs summary
  • Before binding: final confirmation + docs attached
  • Renewal: confirm changes + re-document needs

What to store in every file

An audit-ready file tells a clear story from inquiry to recommendation.

  • Timeline of communication
  • Options considered
  • Why the recommendation was made
  • Client decisions and acknowledgements

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