Platform Usage Guidelines

 

As we continue to build Surer to empower our users to drive more business efficiency, we will only be successful insofar as our Users abide by our guidelines. 

Most of these guidelines will help you ensure that all your deals on Surer remain legitimate and accurate. Ultimately, these guidelines serve to protect the integrity of the platform and are in addition to the Terms of Services you have agreed to, by signing up for a Surer account. 

To this end, Surer reserves the right to moderate behaviour of users on the platform who do not adhere to our Terms of Services or these guidelines. These users may be subject to a range of enforcement actions, including (but not limited to) restriction or permanent suspension from the platform. 

The Platform Usage Guidelines are as follow:

 

1. You are committed to provide, in terms of your professional information, the most accurate representation of yourself as a licensed General / Life Insurance agent or Financial Advisor

  • The email address you have indicated under ‘Account’ in your profile, is the email that your Principal and their corresponding Underwriter(s) and BDM(s) recognise to be from you and not someone else.
  • The Accreditation Number under ‘Account’ in your profile, is the license/registration number you or your corporate agency holds, not someone else’s.
  • Your Principal (its corresponding Underwriter(s) and BDM(s)) you have set up under ‘Principals & Underwriters’ in your profile are the Insurers you or your company have signed an agency or brokering agreement with.

 

2. Use only 1 account for all your transaction purposes

You are committed, as far as possible, to maintain one account that is set up for you as a licensed General / Life Insurance agent, Corporate Agency or Financial Advisor, on Surer.

 

3. Provide the most accurate information in your proposals correctly

  • You are committed, as far as possible, to provide the most accurate information in your proposal before sending it out to your Principals or as a Referral request.
  • You are committed, as far as possible, to update/edit/change this proposal as and when new information or realisation of a mistake has been made.

 

4. As a licensed General Insurance agent, you can only legally send a Proposal to a maximum of three of your registered Principals to request for a quote

  • You are only allowed to send any given proposal created via Surer to request for a quote, to a maximum of 3 Insurers
  • The maximum of 3 Insurers are your legally registered Principals

 

5. As a licensed General Insurance agent, you can only forward a Referral request to a maximum of three of your registered Principals to request for a quote

  • You are only allowed to forward any given referral request you have received from another agent via Surer to request for a quote, to a maximum of 3 Insurers
  • The maximum of 3 Insurers are your legally registered Principals

 

6. You have done your due diligence before accepting and engaging in a Referral deal

  • As an agent sending out a referral request, you have committed to do your due diligence in making sure your client is aware of you doing so. This includes (but not limited to) getting consent from your client(s) and that the client is made aware of who the referral agent is.
  • If you are an agent receiving a referral request, you have committed to do your due diligence in making sure the agent who has sent you the request has gotten the consent of his/her client(s) to do so.
  • As a licensed General Insurance Agent, it is your responsibility, at all times, to adhere to the General Insurance Association of Singapore Code of Practice for Agents.
  • As a licensed Insurance Intermediary, it is your responsibility at all times, to adhere to the applicable regulations under the Insurance (Intermediaries) Regulations – Chapter 142 of the Insurance Act (Sections 35Y35ZA, 35ZC, 35ZD, 35ZE, 35ZG, 35ZN, 35ZO, 36, 52(1), 56A(3) AND 64)

 

7. You uphold the integrity of your commitment in any agreements for referral deals

  • You are committed to honour the agreed Referral fee (if you have entered a discussion of such on Surer, using any of its features) either as an agent who have sent a referral request or received a referral request
  • You are committed to honour any other arrangements agreed (if you have entered a discussion of such on Surer, using any of its features) either as an agent who have sent a referral request or received a referral request

 

8. You will perform due diligence to clarify any ambiguity on a quote you have gotten from your Underwriter through Surer, before sharing it with your client

You are committed, to the best of your ability, to clarify any ambiguities of a quote you have gotten through Surer. This includes, but not limited to:

  • Confirming the legitimacy of the quote
  • Confirming your understanding of all the details of the quote

 

9. You will perform your due diligence to ensure your client understands the quote (gotten through Surer) you have shared, before marking it as approved.

You are committed, to the best of your ability, to ensure your client fully understands the quote, that was generated on Surer, and that you have shared with him/her. This includes, but not limited to:

  • Communicating with the client to get a consent to let you proceed to go to your Underwriter to generate a policy 
  • Communicating with the client and be sure that the client has no doubts as to the quote he is being presented

 

10. You will perform due diligence required to finalise a policy, after ‘marking a deal as approved’ on Surer

You are aware that by ‘marking a deal as approved’ does not mean the policy has been generated by the Insurer. As such, you are committed to perform your duties to finalise the policy, which includes, but not limited to:

  • Following up with the Underwriter to generate the required documentations required for your client to sign-off on
  • Following up with the Underwriter to generate the Policy schedule and any other necessary documentations to prove the policy has been issued by your client

 

11. Do not direct users out of the platform

You are committed, as far possible, to complete a deal arising from Surer, on Surer. 

 

Effective on: December 30, 2019
Last updated: May 20, 2020