Recommendation 4.1 — No hawking of insurance
Recommendation 4.2 — Removing the exemptions for funeral expenses policies
Recommendation 4.3 — Deferred sales model for add‑on insurance
Recommendation 4.4 — Cap on commissions
Recommendation 4.5 — Duty to take reasonable care not to make a misrepresentation to an insurer
Recommendation 4.6 — Avoidance of life insurance contracts
Recommendation 4.7 — Application of unfair contract terms provisions to insurance contracts
Recommendation 4.8 — Removal of claims handling exemption
Recommendation 4.9 — Enforceable code provisions
Recommendation 4.10 — Extension of the sanctions power
Recommendation 4.11 — Co‑operation with AFCA
Recommendation 4.12 — Accountability regime
Recommendation 4.13 — Universal terms review
Recommendation 4.14 — Additional scrutiny for related party engagements
Recommendation 4.15 — Status attribution to be fair and reasonable