{"id":13929,"date":"2025-04-16T20:19:44","date_gmt":"2025-04-16T18:19:44","guid":{"rendered":"https:\/\/apcal.lu\/?p=13929"},"modified":"2025-04-28T20:44:00","modified_gmt":"2025-04-28T18:44:00","slug":"idd-rules-of-conduct-fifty-shades-of-advice","status":"publish","type":"post","link":"https:\/\/apcal.lu\/en\/idd-rules-of-conduct-fifty-shades-of-advice\/","title":{"rendered":"IDD\u00a0rules of conduct: fifty shades of advice"},"content":{"rendered":"

[et_pb_section fb_built=”1″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” custom_margin=”||20px||false|false” border_color_bottom=”#7886A2″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” header_font=”||||||||” header_2_font=”||||||||” header_2_text_color=”#16247F” global_colors_info=”{}”]<\/p>\n

IDD rules of conduct: fifty shades of advice<\/span><\/h1>\n

[\/et_pb_text][et_pb_image src=”https:\/\/apcal.lu\/wp-content\/uploads\/2025\/04\/idd-code-de-consuite.jpg” title_text=”idd code de consuite” _builder_version=”4.27.4″ _module_preset=”default” box_shadow_style=”preset2″ global_colors_info=”{}”][\/et_pb_image][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

\u2018Insurance advice? A subtle dance between regulatory requirements and reality on the ground\u2019.<\/span><\/p>\n

[\/et_pb_text][et_pb_text ul_item_indent=”40px” _builder_version=”4.27.4″ _module_preset=”default” text_line_height=”1.8em” ul_font=”||||||||” quote_font=”||on||||||” quote_text_color=”#55547D” quote_font_size=”16px” header_font=”||||||||” header_2_font=”|||on|||||” header_2_line_height=”2em” header_3_text_color=”#C2974C” header_3_font_size=”20px” header_3_line_height=”1.4em” custom_margin=”||40px||false|false” border_color_bottom=”#7886A2″ global_colors_info=”{}”]<\/p>\n

On 24 April, Paula Leite<\/span><\/span><\/span><\/strong><\/a>, Managing Partner at VINCEO<\/span> Solutions<\/span><\/span><\/strong><\/a> and trainer for APCAL<\/span>, will be leading a much-anticipated session on the advisory obligations applicable to the distribution of IBIP<\/span> in LPS<\/span> to French clients<\/span><\/strong>. Ahead of the session, she shares with us a few key points from her recently published article “50 shades of advice”.<\/p>\n

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📰 Paula, why this intriguing title, \u201850 shades of advice\u2019?<\/span><\/h2>\n

[\/et_pb_text][et_pb_text ul_item_indent=”40px” _builder_version=”4.27.4″ _module_preset=”default” text_line_height=”1.8em” ul_font=”||||||||” quote_font=”||on||||||” quote_text_color=”#55547D” quote_font_size=”16px” header_font=”||||||||” header_2_font=”|||on|||||” header_2_line_height=”2em” header_3_text_color=”#C2974C” header_3_font_size=”20px” header_3_line_height=”1.4em” custom_margin=”||40px||false|false” border_color_bottom=”#7886A2″ global_colors_info=”{}”]<\/p>\n

I wanted to highlight, with a touch of humour<\/span>, the existence of different practices and methods of providing advice in the field of insurance distribution at European level. The rules of conduct and obligations may vary from one Member State to another, depending on whether advice is compulsory or not, for all products or for certain products, depending on the options chosen by the Member States when transposing the IDD<\/span> Directive.<\/p>\n

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📌 What are the key lessons for a Luxembourg broker?<\/span><\/h2>\n

[\/et_pb_text][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

Firstly, the<\/span> IDD<\/span><\/span><\/strong> does not make advice compulsory. Providing advice is part of the business of insurance distribution.<\/span><\/p>\n

That Luxembourg makes advice compulsory if the customer has his habitual residence or establishment in the Grand Duchy of Luxembourg, unless the customer waives this advice.<\/span><\/p>\n

That Luxembourg impose an impartial and personalised<\/span> analysis<\/span><\/strong> for Luxembourg brokers.<\/span><\/p>\n

Finally, it’s important to remember that advice doesn’t stop when you take out a policy<\/span><\/strong>: it’s a long-term process.<\/span><\/p>\n

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Finally, it’s important to remember that <\/span>advice doesn’t stop when you take out a policy<\/span>: it’s a long-term process.<\/span><\/p>\n

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🌍 And in a cross-border situation, as for French customers?<\/span><\/h2>\n

[\/et_pb_text][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

In principle, a Luxembourg distributor of insurance products carrying on business in a Member State other than Luxembourg, whether under the freedom to provide services or the freedom of establishment, must comply with the stricter rules and, more generally, the so-called general interest provisions adopted by that other Member State.<\/span><\/p>\n

[\/et_pb_text][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

French regulations provide for three levels of advice (levels 1 to 3). Level 1 advice is compulsory in all cases of distribution. Level 2 is optional if the distributor is able to present the customer with several contracts (or investment options within a contract). Level 3, optional, if the distributor is able to carry out an analysis of a number of contracts, from different producers, in such numbers and of such a nature as to be representative of the contracts offered on the market.<\/span><\/p>\n

[\/et_pb_text][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

In practice, a Luxembourg distributor distributing IBIPs<\/span> in France will have to adapt its sales process to take account of these three conditions and its status!<\/p>\n

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📅 Will the training course on 24 April cover these nuances in detail?<\/span><\/h2>\n

[\/et_pb_text][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

Absolutely. First of all, we will review the rules of conduct set out in the IDD<\/span>, the rules of conduct as they result from the transposition of the IDD<\/span> into Luxembourg law. We will then review the pre-contractual obligations<\/span><\/strong> under French law, and of course the practical implications of the Green Industry<\/strong> Act<\/span> and the ACPR<\/span> recommendation<\/span><\/strong> that comes into force at the beginning of 2026.<\/p>\n

[\/et_pb_text][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

My aim is, on the one hand, to provide a clear and operational understanding of the various regulatory frameworks and, on the other, to offer practical keys to ensuring compliance in a cross-border context.<\/span><\/p>\n

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📩 Any final words for brokers?<\/span><\/h2>\n

[\/et_pb_text][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

sultancy is more than a regulatory obligation: it’s a strong commitment to the customer, guaranteeing <\/span>personalised<\/span> support and a value-added service.<\/span><\/p>\n

💼 Read the full article. And to find out more, sign up for the training course on 24 April!<\/span><\/p>\n

To find out more on the subject, we invite you to read <\/strong>Paula Leite’s full article, available by clicking on the image below<\/strong>!<\/span><\/span><\/p>\n

And for more information, don’t hesitate to contact APCAL<\/span> at info@apcal.lu<\/span><\/a><\/span><\/span><\/p>\n

<\/span><\/p>\n

<\/span><\/p>\n

[\/et_pb_text][et_pb_image src=”https:\/\/apcal.lu\/wp-content\/uploads\/2025\/04\/Petit.png” title_text=”Petit” url=”https:\/\/apcal.lu\/download\/2025-04-50-nuances-de-conduite\/?tmstv=1744132994″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][et_pb_image src=”https:\/\/apcal.lu\/wp-content\/uploads\/2025\/01\/Capture-decran-2025-01-28-194636.png” title_text=”Capture d\u2019\u00e9cran 2025-01-28 194636″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

Paula Leite<\/span><\/a><\/strong> i<\/span><\/span>s a Managing Partner and consultant at VINCEO<\/span> SOLUTIONS<\/strong><\/a> S.A.,<\/span><\/span> a Luxembourg-based consultancy firm that mainly supports professionals in the insurance sector (insurers and insurance intermediaries) through tailored approaches in the areas of consulting and training.<\/p>\n

[\/et_pb_text][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

Before setting up VINCEO<\/span> SOLUTIONS in May 2020, she held a number of positions with a number of insurers in the Luxembourg market, notably in product development, business development and wealth planning, as well as in strategic and operational marketing.<\/p>\n

[\/et_pb_text][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

Paula has worked in the Luxembourg life insurance industry since 1998. Drawing on her extensive experience, she now works on issues relating to product and market development, the development of the product and service offering, regulatory compliance, marketing and communication and the <\/span>optimisation<\/span> of operational processes.<\/span><\/p>\n

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Sponsors Platinum<\/h2>\n

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Sponsors Silver<\/h3>\n

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Insurance distribution is changing. Between the IDD Directive, the IBIP regulation and national regulations, Luxembourg brokers have to deal with a dense and constantly changing legal landscape. This article, written by Paula Leite, trainer for APCAL, provides an update on the obligations to provide advice, IBIP products and the specific requirements applicable to LPS distribution in France. Essential content for professionals in the sector.<\/p>\n","protected":false},"author":156,"featured_media":13896,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[25],"tags":[],"class_list":["post-13929","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-apcal"],"yoast_head":"\nIDD\u00a0rules of conduct: fifty shades of advice - Apcal<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/apcal.lu\/en\/idd-rules-of-conduct-fifty-shades-of-advice\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"IDD\u00a0rules of conduct: fifty shades of advice - Apcal\" \/>\n<meta property=\"og:description\" content=\"Insurance distribution is changing. Between the IDD Directive, the IBIP regulation and national regulations, Luxembourg brokers have to deal with a dense and constantly changing legal landscape. This article, written by Paula Leite, trainer for APCAL, provides an update on the obligations to provide advice, IBIP products and the specific requirements applicable to LPS distribution in France. 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