Sus estrategias de acogida

In fulfilling his obligations under the Agreement, Advisor shall scrupulously adhere to, follow and be bound by the Statutory provisions governing life insurance Advisors and more

particularly the code of conduct contained therein, as in force from time to time. Without prejudice to the generalify of the obligations of the Advisor to Bharti AXA Life Insurance, the Advisor shall:

a. Faithfully and diligently promote the business of Bharti AXA Life Insurace;

b. Ensure that any representation made and information provided is accurate;

c. Act diligently and carefully in providing any advice and ensure that such advice is based on thorough analysis and take into account available alternatives;

d. Ensure that any advice is reasonable in view of the customer’s circumstances;

e. Not admit any liability or make any false, misleading, deceptive or reckless statement to the customer in respect of life insurance generally or any particular product of Bharti AXA Life Insurance;

f. Solicit proposals for insurance for Bharti AXA Life Insurance as Bharti AXA Life Insurance may from time to time determine during the term of this Agreement;

g. Service the needs and requirements of customer introduced by self or assigned by Bharti AXA life Insurance;

h. Meet the validation specified by Bharti AXA Life insurance including production and persistency;

i. Attend all training, meetings and seminars arranged or required by Bharti AXa Life Insurance and perform such other duties as requested by Bharti AXA Life Insurance;

j. Begin soliciting proposals for various insurance products at dates set by Bharti AXA Life Insurance;

k. Be fully responsible and accountable for all its acts and omissions;

l. Obtain, maintain, renew and keep renewed the prescribed licences issued by the IRDA and any other licence, approval or permission required of it for fulfilling the obligations of an Advisor at all times during the term of this agreemet;

m. At all times during te term of this Agreement, act within the scope of such licences, approvals and permissions and any applicable legislation ad in consonance with the corporate image and objectives of Bharti AXA Life Insurance. The Advisor shall promptly notify Bharti AXA Life Insurance of the loss of any suc licence, approval or permission by it or by its certified persons;

n. Submit to Bharti AXA Life Insurance within the period of time specified by Bharti AXA Life Insurance in writing from time to time, all proposals and initial premiums, for products solicited by Adviosr and in any case within the time specified by 64VB(4) of the Insurance Act, 1938 or any other statutory provisions applicable thereto. The Advisor shall remit to Bharti AXA Life Insurance all monies collected in trust immediately and without any deduction whatsoever.

o. Observe and be bound by

the-• Statutory provisions, Bharti AXA Life Insurance Instructions including Advisor manual, benefit illustration policy, cash acceptance policy, market conduct guidelines, prevention of money laundering policy, the compliance manual and the code of conduct that may be issued by Bharti AXA Life Insurance, in writing, from time to time relating to the conduct of the business;

• Monitoring, supervision and performance standards of the business and sales practices used in relation to Bharti AXA Life Insurance products that may be issued by bharti AXA Life Insurance, in writing, from time to time;

p. Promptly deliver to Bharti AXA Life Insurance in good order and condition when demanded all records, rate books, documents, manuals, computers (hardware and

software relating in any way to the life insurance business of Bharti AXA Life Insurance and which were received from Bharti AXA Life Insurance, including those that have been specifically entrusted to the Advisor pursuant to this Agreement. Advisor here by acknowledges that such good, tangible and otherwise, and the exclusive property of Bharti AXA Life Insurance;

q. Maintain and observe at all times the strictest secrecy and confidentiality, concerning the business of Bharti AXA Life Insurance or of Policyholders or proposers of Life

Insurance or persons or companies from time to time dealing with Bharti AXA Life Insurance at any time, either while the Agreement is in force or subsequent to its termination;

r. Bear all expenses incurred in the performance of duties under this Agreement unless otherwise specifically agreed to in writing by Bharti AXA Life Insurance;

s. Promptly disclose to Bharti AXA Life Insurance every fact and circumstance within his knowledge relevant to the acceptance of the risk of business by Bharti AXA Life Insurance and shall promptly and accurately relate to Bharti AXA Life Insurance every fact disclosed to him relevant to the acceptance of such risk or business howsoever the Advisor is aware of such matter;

t. Promptly notify Bharti AXA Life Insurance of receipt by it or service on it of any complaint, demand, notice or claim made or to be made under a policy howsoever the advisor is aware of such matter.

u. Record and reolve, within the standard turn around time of 7days from receipt, all the complaints and requests/inquiries received from customers of Advisor and

statutory/regulatory bodies and forward a report of the complaints, requests and inquiries of the past week with the relevant documentation containing details like Date of

Complaint, Policy older Name, Advisor name and Code No., MOA Name and No., Nature of Complaint, Date of Complaint Forwarded to the concerned function for resolution, Status (Resolved /Pending), Resolution date to Bharti AXA Life Insurance at the specified email address on every Thursday of the next week.

v. Ensure that a strong needs analysis is carried out for every prospect during the sales process;

w. Ensure strict adherence to the prevention of Money laundering and Terrorist Financing Policy of Bharti AXA Life Insurance, the prevention of Money Laundering Act, 2002, Rules thereunder and the IRDA Anti Money Laundering (‘AML’) guidelines and modification thereto and employ adequate know Your Customer (‘KYC’) standards as prescribed therein;

x. In the event of finding any adverse or suspicious change on the standing, integrity or reputation of the customer/policyholder, Advisor should promptly disclose the same to the Principal compliance officer of Bharti AXA Life Insurance in change of Anti Money Laundering programme. In the event Advisor fails to comply with this provision and/or exposes Bharti AXA Life Insurance to AML related risks, Bharti AXA Life Insurance shall be entitled to terminate this Agreement with all attendant consequences to the Advisor;

y. Act as a fiduciary, in good faith and I the best interests of Bharti AXA Life Insurance at all times during the continuance of this Agreement; and

z. Declare his adherence to the code of sales and Business Conduct in the format prescribed in Schedule ‘A’.