{"id":21090,"date":"2026-05-25T04:04:56","date_gmt":"2026-05-25T04:04:56","guid":{"rendered":"http:\/\/johnhealth.ca\/?p=21090"},"modified":"2026-05-26T02:43:29","modified_gmt":"2026-05-26T02:43:29","slug":"%e4%bf%9d%e9%99%a9%e7%9f%a5%e8%af%86%ef%bc%9aribo-level-1-%e5%bf%85%e8%83%8c%e8%80%83%e7%82%b9%e6%80%bb%e7%bb%93%ef%bc%88%e8%80%83%e8%af%95%e9%ab%98%e9%a2%91%e6%b5%93%e7%bc%a9%e7%89%88%ef%bc%89","status":"publish","type":"post","link":"http:\/\/johnhealth.ca\/?p=21090","title":{"rendered":"\u4fdd\u9669\u77e5\u8bc6\uff1aRIBO Level 1 \u5fc5\u80cc\u8003\u70b9\u603b\u7ed3\uff08\u8003\u8bd5\u9ad8\u9891\u6d53\u7f29\u7248\uff09"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u4e00\u3001RIBO \u6838\u5fc3\u7406\u5ff5\uff08\u5fc5\u8003\uff09<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1. RIBO \u7684\u76ee\u7684<\/h3>\n\n\n\n<h1 class=\"wp-block-heading\">Protect the Public<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u662f\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>&#x274c; protect insurers<\/li>\n\n\n\n<li>&#x274c; help brokers make money<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u800c\u662f\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>&#x2705; protect consumers\/public<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">2. Broker vs Agent<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Broker<\/th><th>Agent<\/th><\/tr><\/thead><tbody><tr><td>\u4ee3\u8868\u5ba2\u6237<\/td><td>\u4ee3\u8868\u4fdd\u9669\u516c\u53f8<\/td><\/tr><tr><td>\u53ef\u6bd4\u8f83\u591a\u5bb6\u516c\u53f8<\/td><td>\u901a\u5e38\u5355\u4e00\u516c\u53f8<\/td><\/tr><tr><td>Independent advice<\/td><td>Company interest<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">3. Fiduciary Duty\uff08\u53d7\u6258\u8d23\u4efb\uff09<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Broker \u5fc5\u987b\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>honesty<\/li>\n\n\n\n<li>loyalty<\/li>\n\n\n\n<li>reasonable care<\/li>\n\n\n\n<li>disclosure<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u4e8c\u3001\u4fdd\u9669\u57fa\u672c\u539f\u5219\uff08\u8d85\u7ea7\u9ad8\u9891\uff09<\/h1>\n\n\n\n<h2 class=\"wp-block-heading\">4. Utmost Good Faith\uff08\u6700\u5927\u8bda\u4fe1\uff09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u53cc\u65b9\u5fc5\u987b\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; disclose material facts<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5426\u5219\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; misrepresentation<br>&#x274c; void policy<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">5. Indemnity\uff08\u635f\u5931\u8865\u507f\u539f\u5219\uff09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u9669\u76ee\u7684\u662f\uff1a<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">restore financially<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u662f\u8d5a\u94b1\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">6. Insurable Interest\uff08\u53ef\u4fdd\u5229\u76ca\uff09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5fc5\u987b\u6709 financial interest\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; \u81ea\u5df1\u623f\u5b50<br>&#x2705; \u81ea\u5df1\u8f66<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">7. Subrogation\uff08\u4ee3\u4f4d\u6c42\u507f\uff09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u9669\u516c\u53f8\u8d54\u540e\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u53ef\u4ee3\u5ba2\u6237\u5411\u7b2c\u4e09\u65b9\u8ffd\u507f\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">8. Contribution\uff08\u5206\u644a\uff09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u591a\u4e2a\u4fdd\u5355\u540c\u65f6\u8d54\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">insurers \u6309\u6bd4\u4f8b\u8d54\u4ed8\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u4e09\u3001\u6cd5\u89c4\u4e0e\u804c\u4e1a\u9053\u5fb7\uff08\u8d85\u7231\u8003\uff09<\/h1>\n\n\n\n<h2 class=\"wp-block-heading\">9. Trust Account<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5ba2\u6237\u4fdd\u8d39\uff1a<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">trust money<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u80fd\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; \u4e0e\u516c\u53f8\u8fd0\u8425\u8d44\u91d1\u6df7\u7528<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">10. E&amp;O Insurance<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Errors &amp; Omissions\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7528\u4e8e professional negligence\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">11. Material Change<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u91cd\u5927\u53d8\u5316\u5fc5\u987b\u901a\u77e5 insurer\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u623f\u5c4b\u7a7a\u7f6e<\/li>\n\n\n\n<li>\u6539\u5546\u4e1a\u7528\u9014<\/li>\n\n\n\n<li>\u65b0\u589e\u98ce\u9669<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">12. Misrepresentation<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u7981\u6b62\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>false statement<\/li>\n\n\n\n<li>misleading statement<\/li>\n\n\n\n<li>concealment<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">13. Conflict of Interest<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5fc5\u987b disclosure\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">14. Confidentiality<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5ba2\u6237\u8d44\u6599\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; \u4fdd\u5bc6<br>&#x274c; \u4e0d\u5f97\u968f\u610f\u6cc4\u9732<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">15. Rebating\uff08\u975e\u6cd5\u8fd4\u5229\uff09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u7981\u6b62\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u79c1\u4e0b\u9001\u94b1<\/li>\n\n\n\n<li>\u975e\u6cd5\u4f18\u60e0<\/li>\n\n\n\n<li>\u672a\u6279\u51c6\u5229\u76ca<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u56db\u3001Property Insurance\uff08\u9ad8\u9891\uff09<\/h1>\n\n\n\n<h2 class=\"wp-block-heading\">16. Actual Cash Value\uff08ACV\uff09<\/h2>\n\n\n\n<h1 class=\"wp-block-heading\">ACV = Replacement Cost \u2212 Depreciation<\/h1>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">17. Replacement Cost<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u6263\u6298\u65e7\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f46\u5fc5\u987b\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>actually repair\/replace<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">18. Coinsurance<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u516c\u5f0f\u6838\u5fc3\uff1a<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">carried \u00f7 required \u00d7 loss<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u8db3\u989d\u4fdd\u9669\u4f1a\u88ab\u7f5a\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">19. Vacancy vs Unoccupancy<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Vacancy<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u6ca1\u4eba + \u65e0\u5bb6\u5177<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u98ce\u9669\u9ad8\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">Unoccupancy<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u6682\u65f6\u6ca1\u4eba\u4f4f\uff0c\u4f46\u6709\u5bb6\u5177\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u4e94\u3001Auto Insurance\uff08\u8003\u8bd5\u91cd\u70b9\uff09<\/h1>\n\n\n\n<h2 class=\"wp-block-heading\">20. OAP 1\uff08Ontario Auto Policy\uff09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5b89\u7701\u6807\u51c6\u6c7d\u8f66\u4fdd\u5355\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">21. Direct Compensation Property Damage\uff08DCPD\uff09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u73b0\u5728\u5b89\u7701\uff1a<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">DCPD \u5df2\u53d6\u6d88\uff082024\u540e\u6539\u9769\u91cd\u70b9\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u8003\u8bd5\u6ce8\u610f\u7248\u672c\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">22. Accident Benefits\uff08AB\uff09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u65e0\u8bba\u8c01\u8d23\u4efb\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u81ea\u5df1\u4fdd\u9669\u516c\u53f8\u8d54\u81ea\u5df1\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">23. Tort\uff08\u7b2c\u4e09\u8005\u8d23\u4efb\uff09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u8d1f\u8d23\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>pain &amp; suffering<\/li>\n\n\n\n<li>lawsuit<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">24. OPCF 44R<\/h2>\n\n\n\n<h1 class=\"wp-block-heading\">Family Protection Coverage<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u5bf9\u65b9\u4fdd\u989d\u4e0d\u8db3\u65f6\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u81ea\u5df1\u516c\u53f8\u8865\u5dee\u989d\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">25. Deductible\uff08\u514d\u8d54\u989d\uff09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5ba2\u6237\u81ea\u4ed8\u90e8\u5206\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u516d\u3001Facility Association\uff08\u9ad8\u9891\u9677\u9631\uff09<\/h1>\n\n\n\n<h2 class=\"wp-block-heading\">26. Facility Association\uff08FA\uff09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u9ad8\u98ce\u9669\u53f8\u673a\u6700\u540e\u5e02\u573a\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7279\u70b9\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>premium \u9ad8<\/li>\n\n\n\n<li>coverage limited<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">27. Assigned Risk Plan<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e3b\u8981\u9488\u5bf9\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">commercial auto \u9ad8\u98ce\u9669\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u4e03\u3001\u8003\u8bd5\u6700\u7231\u6570\u5b57\uff08\u5fc5\u80cc\uff09<\/h1>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u9879\u76ee<\/th><th>\u91cd\u70b9<\/th><\/tr><\/thead><tbody><tr><td>ACV<\/td><td>Replacement \u2212 Depreciation<\/td><\/tr><tr><td>Coinsurance<\/td><td>carried \u00f7 required \u00d7 loss<\/td><\/tr><tr><td>Deductible<\/td><td>insured \u81ea\u4ed8<\/td><\/tr><tr><td>Liability<\/td><td>\u5bf9\u522b\u4eba\u8d54<\/td><\/tr><tr><td>AB<\/td><td>\u5bf9\u81ea\u5df1\u8d54<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u516b\u3001\u8003\u8bd5\u6700\u7231\u6df7\u6dc6\u70b9<\/h1>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u5bb9\u6613\u6df7<\/th><th>\u6b63\u786e\u7406\u89e3<\/th><\/tr><\/thead><tbody><tr><td>Broker vs Agent<\/td><td>Broker \u4ee3\u8868\u5ba2\u6237<\/td><\/tr><tr><td>ACV vs RC<\/td><td>ACV \u6263\u6298\u65e7<\/td><\/tr><tr><td>AB vs Liability<\/td><td>AB\u8d54\u81ea\u5df1<\/td><\/tr><tr><td>Vacancy vs Unoccupancy<\/td><td>Vacancy \u98ce\u9669\u66f4\u9ad8<\/td><\/tr><tr><td>FA vs Assigned Risk<\/td><td>FA \u591a\u7528\u4e8e\u4e2a\u4eba\u9ad8\u98ce\u9669<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u4e5d\u3001\u8003\u524d30\u79d2\u901f\u8bb0\u53e3\u8bc0<\/h1>\n\n\n\n<h1 class=\"wp-block-heading\">\u201c\u516c\u3001\u8bda\u3001\u6258\u3001\u6539\u3001\u8d54\u201d<\/h1>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u5b57<\/th><th>\u542b\u4e49<\/th><\/tr><\/thead><tbody><tr><td>\u516c<\/td><td>Protect Public<\/td><\/tr><tr><td>\u8bda<\/td><td>Utmost Good Faith<\/td><\/tr><tr><td>\u6258<\/td><td>Trust Account<\/td><\/tr><tr><td>\u6539<\/td><td>Material Change<\/td><\/tr><tr><td>\u8d54<\/td><td>Indemnity<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u5341\u3001\u7ec8\u6781\u8003\u8bd5\u6838\u5fc3<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">RIBO Level 1 \u672c\u8d28\u4e0a\u8003\uff1a<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u2460 \u804c\u4e1a\u9053\u5fb7<\/h2>\n\n\n\n<h2 class=\"wp-block-heading\">\u2461 \u5ba2\u6237\u4fdd\u62a4<\/h2>\n\n\n\n<h2 class=\"wp-block-heading\">\u2462 \u57fa\u7840\u4fdd\u9669\u539f\u5219<\/h2>\n\n\n\n<h2 class=\"wp-block-heading\">\u2463 Auto \u57fa\u7840\u8d54\u4ed8<\/h2>\n\n\n\n<h2 class=\"wp-block-heading\">\u2464 Property \u57fa\u7840\u8ba1\u7b97<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u638c\u63e1\u8fd9\u4e94\u5757\uff0c\u8003\u8bd5\u4f1a\u8f7b\u677e\u5f88\u591a\u3002<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">RIB Act \u9ad8\u9891\u9677\u9631\u9898\uff08\u8003\u8bd5\u8d85\u7231\u5751\u7248\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0b\u9762\u8fd9\u4e9b\u9898\u578b\uff0c\u5c5e\u4e8e RIBO Level 1 \u6700\u5e38\u89c1\u7684\u201c\u6cd5\u89c4\u9677\u9631\u201d\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">1. RIBO \u7684\u4e3b\u8981\u804c\u8d23<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">\u9898\u76ee\uff1a<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">RIBO \u7684 primary duty \u662f\u4ec0\u4e48\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Protect insurers<br>B. Increase insurance sales<br><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">C. Protect the public<br><\/mark>D. Help brokers earn commissions<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u6b63\u786e\u7b54\u6848\uff1a<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; C<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u9677\u9631\uff1a<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u5f88\u591a\u4eba\u4f1a\u9009\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; A \u6216 B<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f46 RIBO \u6838\u5fc3\uff1a<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Protect the Public<\/h1>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">2. Broker \u4ee3\u8868\u8c01\uff1f<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">\u9898\u76ee\uff1a<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Insurance broker \u901a\u5e38\u4ee3\u8868\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Insurance company<br>B. Government<br><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">C. Client<br><\/mark>D. Facility Association<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u6b63\u786e\u7b54\u6848\uff1a<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; C<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u9677\u9631\uff1a<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Agent \u624d\u901a\u5e38\u4ee3\u8868 insurer\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Broker\uff1a<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">acts for the client<\/h1>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">3. Premium \u5c5e\u4e8e\u4ec0\u4e48\uff1f<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">\u9898\u76ee\uff1a<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5ba2\u6237\u4ea4\u7ed9 brokerage \u7684 premium \u5c5e\u4e8e\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Brokerage revenue<br>B. Broker commission<br><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">C. Trust money<br><\/mark>D. Insurer profit<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u6b63\u786e\u7b54\u6848\uff1a<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; C<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u9677\u9631\uff1a<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u5373\u4f7f\u94b1\u5728 brokerage \u624b\u91cc\uff1a<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">still trust funds<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u80fd\u4e71\u7528\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">4. Trust Account \u9519\u8bef\u64cd\u4f5c<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">\u9898\u76ee\uff1a<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u54ea\u9879\u6700\u8fdd\u53cd RIB Act\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Delay paperwork<br>B. Late renewal<br><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">C. Mixing premium with office funds<br><\/mark>D. Forgetting endorsement<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u6b63\u786e\u7b54\u6848\uff1a<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; C<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u9677\u9631\uff1a<\/h1>\n\n\n\n<h1 class=\"wp-block-heading\">commingling trust funds<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u662f\u91cd\u5927\u8fdd\u89c4\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">5. Material Change<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">\u9898\u76ee\uff1a<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u88ab\u4fdd\u9669\u4eba\u628a\u4f4f\u5b85\u6539\u6210\u9910\u9986\uff0cbroker \u5e94\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Wait until renewal<br>B. Ignore if no claim<br><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">C. Notify insurer immediately<br><\/mark>D. Cancel automatically<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u6b63\u786e\u7b54\u6848\uff1a<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; C<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u9ad8\u9891\u8003\u70b9\uff1a<\/h1>\n\n\n\n<h1 class=\"wp-block-heading\">material change \u2192 immediate disclosure<\/h1>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">6. Misrepresentation<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">\u9898\u76ee\uff1a<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Broker \u660e\u77e5\u5ba2\u6237\u4fe1\u606f\u9519\u8bef\u4ecd\u63d0\u4ea4\u7533\u8bf7\uff0c\u5c5e\u4e8e\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Negligence<br>B. <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">Misrepresentation<\/mark><br>C. Rebating<br>D. Arbitration<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u6b63\u786e\u7b54\u6848\uff1a<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; B<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u9677\u9631\uff1a<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u6545\u610f\u9690\u7792\/\u9519\u8bef\u9648\u8ff0\uff1a<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">serious disciplinary offence<\/h1>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">7. Unlicensed Activity<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">\u9898\u76ee\uff1a<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u672a\u6301\u724c\u5458\u5de5\u53ef\u4ee5\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Advise coverage<br>B. Negotiate premium<br>C. Explain policy recommendation<br><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">D. Perform clerical duties only<\/mark><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u6b63\u786e\u7b54\u6848\uff1a<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; D<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u9ad8\u9891\u9677\u9631\uff1a<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u65e0\u724c\u4eba\u5458\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; \u4e0d\u53ef advice<br>&#x274c; \u4e0d\u53ef solicit<br>&#x274c; \u4e0d\u53ef negotiate<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">8. Fiduciary Duty<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">\u9898\u76ee\uff1a<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Broker \u7684 fiduciary duty \u6307\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Maximize commission<br>B. Protect insurer interest<br><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">C. Act honestly and in client\u2019s best interest<br><\/mark>D. Reduce claims<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u6b63\u786e\u7b54\u6848\uff1a<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; C<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">9. Conflict of Interest<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">\u9898\u76ee\uff1a<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Broker \u6536\u5230 insurer \u989d\u5916\u5956\u91d1\u65f6\u5e94\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Hide it<br>B. Ignore it<br><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">C. Disclose conflict<br><\/mark>D. Automatically refuse sale<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u6b63\u786e\u7b54\u6848\uff1a<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; C<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u9ad8\u9891\u8003\u6cd5\uff1a<\/h1>\n\n\n\n<h1 class=\"wp-block-heading\">disclose conflict of interest<\/h1>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">10. Confidentiality<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">\u9898\u76ee\uff1a<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5ba2\u6237\u8d44\u6599\u5e94\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Shared freely<br>B. Posted internally<br><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">C. Kept confidential<br><\/mark>D. Given to competitors<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u6b63\u786e\u7b54\u6848\uff1a<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; C<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">11. Rebating<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">\u9898\u76ee\uff1a<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Broker \u79c1\u4e0b\u8fd4\u73b0\u5438\u5f15\u5ba2\u6237\u5c5e\u4e8e\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Endorsement<br>B. <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">Rebating<\/mark><br>C. Subrogation<br>D. Contribution<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u6b63\u786e\u7b54\u6848\uff1a<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; B<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u9ad8\u9891\uff1a<\/h1>\n\n\n\n<h1 class=\"wp-block-heading\">rebating is prohibited<\/h1>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">12. E&amp;O Insurance<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">\u9898\u76ee\uff1a<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Errors &amp; Omissions insurance \u7528\u4e8e\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Property damage<br>B. Auto theft<br><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">C. Professional negligence<br><\/mark>D. Employee benefits<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u6b63\u786e\u7b54\u6848\uff1a<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; C<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">13. Continuing Education<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">\u9898\u76ee\uff1a<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">CE requirement \u7684\u4e3b\u8981\u76ee\u7684\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Increase sales<br><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">B. Maintain competence<br><\/mark>C. Reduce taxes<br>D. Help insurers<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u6b63\u786e\u7b54\u6848\uff1a<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; B<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">14. Protecting the Public<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">\u9898\u76ee\uff1a<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u54ea\u9879\u6700\u7b26\u5408 RIBO mandate\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Help brokers compete<br><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">B. Protect consumers<br><\/mark>C. Increase insurer profits<br>D. Promote investments<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u6b63\u786e\u7b54\u6848\uff1a<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; B<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">15. False Advertising<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">\u9898\u76ee\uff1a<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Broker \u5ba3\u79f0\u201c100% guaranteed lowest premium\u201d\u5c5e\u4e8e\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Acceptable marketing<br><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">B. Misleading advertising<br><\/mark>C. Fiduciary duty<br>D. Arbitration<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u6b63\u786e\u7b54\u6848\uff1a<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; B<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u7ec8\u6781\u9ad8\u9891\u9677\u9631\u603b\u7ed3<\/h1>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u9ad8\u9891\u9677\u9631<\/th><th>\u6b63\u786e\u7b54\u6848<\/th><\/tr><\/thead><tbody><tr><td>RIBO protects who?<\/td><td>Public<\/td><\/tr><tr><td>Broker represents who?<\/td><td>Client<\/td><\/tr><tr><td>Premium belongs to?<\/td><td>Trust funds<\/td><\/tr><tr><td>Material change?<\/td><td>Notify immediately<\/td><\/tr><tr><td>Unlicensed staff?<\/td><td>Clerical only<\/td><\/tr><tr><td>Rebating?<\/td><td>Illegal<\/td><\/tr><tr><td>E&amp;O protects against?<\/td><td>Professional errors<\/td><\/tr><tr><td>Conflict of interest?<\/td><td>Must disclose<\/td><\/tr><tr><td>Misrepresentation?<\/td><td>Serious offence<\/td><\/tr><tr><td>Client information?<\/td><td>Confidential<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u8003\u524d\u7ec8\u6781\u53e3\u8bc0<\/h1>\n\n\n\n<h1 class=\"wp-block-heading\">\u201c\u516c\u3001\u5ba2\u3001\u6258\u3001\u6539\u3001\u8bda\u3001\u5bc6\u201d<\/h1>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u5b57<\/th><th>\u542b\u4e49<\/th><\/tr><\/thead><tbody><tr><td>\u516c<\/td><td>Protect Public<\/td><\/tr><tr><td>\u5ba2<\/td><td>Broker represents client<\/td><\/tr><tr><td>\u6258<\/td><td>Trust funds<\/td><\/tr><tr><td>\u6539<\/td><td>Material change<\/td><\/tr><tr><td>\u8bda<\/td><td>Honest disclosure<\/td><\/tr><tr><td>\u5bc6<\/td><td>Confidentiality<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">RIBO \u51fa\u9898\u5957\u8def\uff08\u8d85\u91cd\u8981\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u8003\u8bd5\u7279\u522b\u559c\u6b22\uff1a<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u770b\u8d77\u6765\u201c\u5408\u7406\u201d<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f46\u8fdd\u53cd\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>disclosure<\/li>\n\n\n\n<li>ethics<\/li>\n\n\n\n<li>trust rules<\/li>\n\n\n\n<li>client interest<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u7684\u9009\u9879\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u56e0\u6b64\uff1a<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">\u53ea\u8981\u770b\u5230\uff1a<\/h1>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u9690\u7792<\/li>\n\n\n\n<li>\u6df7\u7528\u8d44\u91d1<\/li>\n\n\n\n<li>\u8bef\u5bfc<\/li>\n\n\n\n<li>\u4e0d\u62ab\u9732<\/li>\n\n\n\n<li>\u65e0\u724c\u5efa\u8bae<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u901a\u5e38\u90fd\u662f\u9519\u3002<\/p>\n<div class=\"pvc_clear\"><\/div><p id=\"pvc_stats_21090\" class=\"pvc_stats all  \" data-element-id=\"21090\" style=\"\"><i class=\"pvc-stats-icon medium\" aria-hidden=\"true\"><svg aria-hidden=\"true\" focusable=\"false\" data-prefix=\"far\" data-icon=\"chart-bar\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\" class=\"svg-inline--fa fa-chart-bar fa-w-16 fa-2x\"><path fill=\"currentColor\" d=\"M396.8 352h22.4c6.4 0 12.8-6.4 12.8-12.8V108.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v230.4c0 6.4 6.4 12.8 12.8 12.8zm-192 0h22.4c6.4 0 12.8-6.4 12.8-12.8V140.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v198.4c0 6.4 6.4 12.8 12.8 12.8zm96 0h22.4c6.4 0 12.8-6.4 12.8-12.8V204.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v134.4c0 6.4 6.4 12.8 12.8 12.8zM496 400H48V80c0-8.84-7.16-16-16-16H16C7.16 64 0 71.16 0 80v336c0 17.67 14.33 32 32 32h464c8.84 0 16-7.16 16-16v-16c0-8.84-7.16-16-16-16zm-387.2-48h22.4c6.4 0 12.8-6.4 12.8-12.8v-70.4c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v70.4c0 6.4 6.4 12.8 12.8 12.8z\" class=\"\"><\/path><\/svg><\/i> <img loading=\"lazy\" decoding=\"async\" width=\"16\" height=\"16\" alt=\"Loading\" src=\"http:\/\/johnhealth.ca\/wp-content\/plugins\/page-views-count\/ajax-loader-2x.gif\" border=0 \/><\/p><div class=\"pvc_clear\"><\/div>","protected":false},"excerpt":{"rendered":"<p>\u4e00\u3001RIBO \u6838\u5fc3\u7406\u5ff5\uff08\u5fc5\u8003\uff09 1. RIBO \u7684\u76ee\u7684 Protect the Public \u4e0d\u662f\uff1a \u800c\u662f\uff1a 2. Broker vs Agent Broker Agent \u4ee3\u8868\u5ba2\u6237 \u4ee3\u8868\u4fdd\u9669\u516c\u53f8 \u53ef\u6bd4\u8f83\u591a\u5bb6\u516c\u53f8 \u901a\u5e38\u5355\u4e00\u516c\u53f8 Independent advice Company interest 3. Fiduciary Duty\uff08\u53d7\u6258\u8d23\u4efb\uff09 Broker \u5fc5\u987b\uff1a \u4e8c\u3001\u4fdd\u9669\u57fa\u672c\u539f\u5219\uff08\u8d85\u7ea7\u9ad8\u9891\uff09 4. Utmost Good Faith\uff08\u6700\u5927\u8bda\u4fe1\uff09 \u53cc\u65b9\u5fc5\u987b\uff1a &#x2705; disclose material facts \u5426\u5219\uff1a &#x274c; misrepresentation&#x274c; void policy 5. Indemnity\uff08\u635f\u5931\u8865\u507f\u539f\u5219\uff09 \u4fdd\u9669\u76ee\u7684\u662f\uff1a restore financially \u4e0d\u662f\u8d5a\u94b1\u3002 6. Insurable Interest\uff08\u53ef\u4fdd\u5229\u76ca\uff09 \u5fc5\u987b\u6709 financial &hellip; <a href=\"http:\/\/johnhealth.ca\/?p=21090\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;\u4fdd\u9669\u77e5\u8bc6\uff1aRIBO Level 1 \u5fc5\u80cc\u8003\u70b9\u603b\u7ed3\uff08\u8003\u8bd5\u9ad8\u9891\u6d53\u7f29\u7248\uff09&#8221;<\/span><\/a><\/p>\n<div class=\"pvc_clear\"><\/div>\n<p id=\"pvc_stats_21090\" class=\"pvc_stats all  \" data-element-id=\"21090\" style=\"\"><i class=\"pvc-stats-icon medium\" aria-hidden=\"true\"><svg aria-hidden=\"true\" focusable=\"false\" data-prefix=\"far\" data-icon=\"chart-bar\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\" class=\"svg-inline--fa fa-chart-bar fa-w-16 fa-2x\"><path fill=\"currentColor\" d=\"M396.8 352h22.4c6.4 0 12.8-6.4 12.8-12.8V108.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v230.4c0 6.4 6.4 12.8 12.8 12.8zm-192 0h22.4c6.4 0 12.8-6.4 12.8-12.8V140.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v198.4c0 6.4 6.4 12.8 12.8 12.8zm96 0h22.4c6.4 0 12.8-6.4 12.8-12.8V204.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v134.4c0 6.4 6.4 12.8 12.8 12.8zM496 400H48V80c0-8.84-7.16-16-16-16H16C7.16 64 0 71.16 0 80v336c0 17.67 14.33 32 32 32h464c8.84 0 16-7.16 16-16v-16c0-8.84-7.16-16-16-16zm-387.2-48h22.4c6.4 0 12.8-6.4 12.8-12.8v-70.4c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v70.4c0 6.4 6.4 12.8 12.8 12.8z\" class=\"\"><\/path><\/svg><\/i> <img loading=\"lazy\" decoding=\"async\" width=\"16\" height=\"16\" alt=\"Loading\" src=\"http:\/\/johnhealth.ca\/wp-content\/plugins\/page-views-count\/ajax-loader-2x.gif\" border=0 \/><\/p>\n<div class=\"pvc_clear\"><\/div>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[155],"tags":[157,156],"class_list":["post-21090","post","type-post","status-publish","format-standard","hentry","category-155","tag-ribo","tag-156"],"a3_pvc":{"activated":true,"total_views":2,"today_views":0},"_links":{"self":[{"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/posts\/21090","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=21090"}],"version-history":[{"count":4,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/posts\/21090\/revisions"}],"predecessor-version":[{"id":21094,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/posts\/21090\/revisions\/21094"}],"wp:attachment":[{"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=21090"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=21090"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=21090"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}