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.