Brokers/agents are permitted to discuss products only indicated by whom on the Scope of Appointment (SOA)?

The correct choice identifies that brokers and agents are permitted to discuss products as indicated by the beneficiary on the Scope of Appointment (SOA). The SOA is a crucial document that ensures both compliance and clarity in the sales process. It serves to protect the beneficiary's interests by allowing them to specify which products they want the agent or broker to discuss.

By having the beneficiary indicate their preferences, the regulation aims to ensure that discussions are relevant to the individual's needs and interests, preventing brokers or agents from steering conversations toward products that may not be suitable for the beneficiary. This approach helps maintain transparency and allows the beneficiary to have an informed and direct role in their insurance decisions.

Options that suggest the broker/agent themselves, the insurance company, or the government do not align with this principle, as they do not empower the beneficiary in guiding the product discussion, which is essential for maintaining a fair and consumer-oriented sales process.