{"id":21243,"date":"2026-07-18T15:26:24","date_gmt":"2026-07-18T15:26:24","guid":{"rendered":"http:\/\/johnhealth.ca\/?p=21243"},"modified":"2026-07-19T03:20:53","modified_gmt":"2026-07-19T03:20:53","slug":"%e4%bf%9d%e9%99%a9%e7%9f%a5%e8%af%86%ef%bc%9aact","status":"publish","type":"post","link":"http:\/\/johnhealth.ca\/?p=21243","title":{"rendered":"\u4fdd\u9669\u77e5\u8bc6\uff1aACT"},"content":{"rendered":"\n<h1 class=\"wp-block-heading\">RIB Act \u5b66\u4e60\u6846\u67b6\uff08\u8003\u8bd5\u91cd\u70b9\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u5efa\u8bae\u6309\u4e0b\u9762 <strong>8 \u4e2a\u6a21\u5757<\/strong> \u5b66\u4e60\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u2460 RIBO \u662f\u4ec0\u4e48\uff08\u2605\u2605\u2605\u2605\u2605\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u662f\u6700\u5bb9\u6613\u8003\u7684\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f60\u8981\u77e5\u9053\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>RIBO = Registered Insurance Brokers of Ontario<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u804c\u8d23\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u76d1\u7ba1 Ontario \u7684 Insurance Brokers<\/li>\n\n\n\n<li>\u53d1\u653e Broker License<\/li>\n\n\n\n<li>\u76d1\u7763 Broker \u884c\u4e3a<\/li>\n\n\n\n<li>\u8c03\u67e5\u6295\u8bc9<\/li>\n\n\n\n<li>\u7eaa\u5f8b\u5904\u5206<\/li>\n\n\n\n<li>\u6559\u80b2\u8981\u6c42<\/li>\n\n\n\n<li>Continuing Education\uff08CE\uff09<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u4e00\u53e5\u53e3\u8bc0\uff1a<\/strong><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>License + Education + Discipline + Consumer Protection<\/strong><\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u2461 \u8c01\u5fc5\u987b\u6301\u6709 RIBO Licence\uff08\u2605\u2605\u2605\u2605\u2605\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u8003\u8bd5\u975e\u5e38\u559c\u6b22\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5fc5\u987b\u6301\u724c\u7684\u4eba\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; \u5411\u516c\u4f17\u9500\u552e\u4fdd\u9669<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; \u63d0\u4f9b\u4fdd\u9669\u5efa\u8bae<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; \u5b89\u6392\u4fdd\u9669<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; \u4ee3\u8868 Broker \u4e0e\u5ba2\u6237\u4ea4\u6613<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u7528\u724c\u7167\u7684\u4eba\uff08\u5e38\u8003\uff09<\/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>Receptionist<\/li>\n\n\n\n<li>Bookkeeper<\/li>\n\n\n\n<li>IT<\/li>\n\n\n\n<li>Cleaner<\/li>\n\n\n\n<li>Office Assistant<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u4ed6\u4eec\u4e0d\u80fd\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u63a8\u8350\u4fdd\u9669<\/li>\n\n\n\n<li>\u89e3\u7b54\u4fdd\u9669\u95ee\u9898<\/li>\n\n\n\n<li>\u6536\u4fdd\u8d39\uff08\u90e8\u5206\u60c5\u51b5\uff09<\/li>\n\n\n\n<li>\u63d0\u4f9b\u610f\u89c1<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">\u7ecf\u5178\u9898\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A receptionist explains which deductible a customer should choose.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5408\u6cd5\u5417\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7b54\u6848\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; \u4e0d\u5408\u6cd5\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u56e0\u4e3a\u5df2\u7ecf\u5c5e\u4e8e\u63d0\u4f9b\u4fdd\u9669\u5efa\u8bae\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u2462 Broker \u7684\u804c\u8d23\uff08\u2605\u2605\u2605\u2605\u2605\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Broker \u5fc5\u987b\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u5bf9\u5ba2\u6237<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Honest\uff08\u8bda\u5b9e\uff09<\/li>\n\n\n\n<li>Fair\uff08\u516c\u5e73\uff09<\/li>\n\n\n\n<li>Competent\uff08\u4e13\u4e1a\uff09<\/li>\n\n\n\n<li>Disclose conflicts\uff08\u5229\u76ca\u51b2\u7a81\uff09<\/li>\n\n\n\n<li>Protect confidential information\uff08\u4fdd\u5bc6\uff09<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e00\u53e5\u53e3\u8bc0\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Client First.<\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u2463 Fiduciary Duty\uff08\u2605\u2605\u2605\u2605\u2605\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u8003\u8bd5\u975e\u5e38\u559c\u6b22\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Broker \u6536\u5230\u5ba2\u6237\u4fdd\u8d39\u540e\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u80fd\u8ba4\u4e3a\u662f\u81ea\u5df1\u7684\u94b1\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u800c\u662f\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Trust Money<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">Broker \u662f\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Fiduciary<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5fc5\u987b\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Proper records<\/li>\n\n\n\n<li>Separate accounting<\/li>\n\n\n\n<li>Honest handling<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">\u7ecf\u5178\u9677\u9631\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5ba2\u6237\u4eca\u5929\u4ea4\u4fdd\u8d39\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Broker \u53ef\u4ee5\u62ff\u53bb\u652f\u4ed8\u529e\u516c\u5ba4\u79df\u91d1\u5417\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7b54\u6848\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; \u4e0d\u53ef\u4ee5\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u2464 Misrepresentation\uff08\u2605\u2605\u2605\u2605\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Broker\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u80fd\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u9690\u7792\u4e8b\u5b9e<\/li>\n\n\n\n<li>\u7f16\u9020\u4e8b\u5b9e<\/li>\n\n\n\n<li>\u6b3a\u9a97\u5ba2\u6237<\/li>\n\n\n\n<li>\u8bef\u5bfc\u5ba2\u6237<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8220;\u8fd9\u4fdd\u9669\u4ec0\u4e48\u90fd\u8d54\u3002&#8221;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fdd\u6cd5\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u2465 Conflict of Interest\uff08\u2605\u2605\u2605\u2605\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Broker\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u80fd\u4e3a\u4e86\u81ea\u5df1\u8d5a\u94b1\u800c\u63a8\u8350\u4ea7\u54c1\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A \u516c\u53f8\u4f63\u91d1\u9ad8<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B \u516c\u53f8\u66f4\u9002\u5408\u5ba2\u6237<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Broker \u63a8\u8350 A<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fdd\u53cd\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Conflict of Interest<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u2466 Discipline\uff08\u2605\u2605\u2605\u2605\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">RIBO \u53ef\u4ee5\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8c03\u67e5<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2193<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7eaa\u5f8b\u542c\u8bc1<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2193<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5904\u7f5a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5305\u62ec\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Warning<\/li>\n\n\n\n<li>Fine<\/li>\n\n\n\n<li>Suspend Licence<\/li>\n\n\n\n<li>Revoke Licence<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u8003\u8bd5\u559c\u6b22\u95ee\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8c01\u8d1f\u8d23\u7eaa\u5f8b\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7b54\u6848\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">RIBO\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u2467 Public Protection\uff08\u2605\u2605\u2605\u2605\u2605\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">RIB Act \u6700\u5927\u76ee\u7684\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u662f\u4fdd\u62a4 Broker\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u662f\u4fdd\u62a4 Insurance Company\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u800c\u662f\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Protect the Public.<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u662f\u8003\u8bd5\u6700\u7231\u95ee\u7684\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">RIBO \u6700\u559c\u6b22\u51fa\u7684\u9677\u9631<\/h1>\n\n\n\n<h2 class=\"wp-block-heading\">\u9677\u9631\u4e00<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Broker \u9996\u5148\u5fe0\u4e8e\u8c01\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A Company<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B Client<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C RIBO<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D Government<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7b54\u6848\uff1a<\/p>\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<h2 class=\"wp-block-heading\">\u9677\u9631\u4e8c<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">RIBO \u7684\u4e3b\u8981\u76ee\u7684\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A Protect Brokers<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B Promote Insurance Companies<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C Protect Public<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D Collect Premium<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7b54\u6848\uff1a<\/p>\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<h2 class=\"wp-block-heading\">\u9677\u9631\u4e09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u8c01\u9700\u8981 Licence\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A Receptionist<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B Accountant<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C Broker advising customers<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D Cleaner<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7b54\u6848\uff1a<\/p>\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<h2 class=\"wp-block-heading\">\u9677\u9631\u56db<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Broker \u53ef\u4ee5\u5938\u5927\u4fdd\u969c\u5417\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7b54\u6848\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; \u4e0d\u53ef\u4ee5\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u9677\u9631\u4e94<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5ba2\u6237\u4fdd\u8d39\u5c5e\u4e8e\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A Broker<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B Insurance Company<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C Trust Money<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D Government<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7b54\u6848\uff1a<\/p>\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\">RIBO \u8003\u8bd5\u771f\u6b63\u91cd\u70b9\uff08\u6bd4 RIB Act \u66f4\u91cd\u8981\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u5f88\u591a\u540c\u5b66\u628a <strong>RIB Act<\/strong> \u548c <strong>Regulation 991<\/strong> \u6df7\u5728\u4e00\u8d77\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5b9e\u9645\u4e0a\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u5185\u5bb9<\/th><th>\u8003\u8bd5\u91cd\u8981\u7a0b\u5ea6<\/th><\/tr><\/thead><tbody><tr><td>RIB Act<\/td><td>&#x2b50;&#x2b50;&#x2b50;<\/td><\/tr><tr><td>Regulation 991<\/td><td>&#x2b50;&#x2b50;&#x2b50;&#x2b50;&#x2b50;<\/td><\/tr><tr><td>Code of Conduct<\/td><td>&#x2b50;&#x2b50;&#x2b50;&#x2b50;&#x2b50;<\/td><\/tr><tr><td>By-law<\/td><td>&#x2b50;&#x2b50;&#x2b50;&#x2b50;<\/td><\/tr><tr><td>Agency<\/td><td>&#x2b50;&#x2b50;&#x2b50;&#x2b50;<\/td><\/tr><tr><td>E&amp;O Rules<\/td><td>&#x2b50;&#x2b50;&#x2b50;&#x2b50;<\/td><\/tr><tr><td>Trust Account<\/td><td>&#x2b50;&#x2b50;&#x2b50;&#x2b50;<\/td><\/tr><tr><td>Complaint Process<\/td><td>&#x2b50;&#x2b50;&#x2b50;&#x2b50;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e5f\u5c31\u662f\u8bf4\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u771f\u6b63\u7684\u5927\u5934\u4e0d\u662f RIB Act\uff0c\u800c\u662f\u4e0e\u5b83\u914d\u5957\u7684 Regulation 991\u3001Code of Conduct\u3001By-laws \u548c\u7ecf\u7eaa\u4eba\u7684\u6267\u4e1a\u89c4\u8303\u3002<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">\u6211\u4eec\u6b63\u5f0f\u5b66\u4e60 <strong>RIB Act\uff08Registered Insurance Brokers Act, Ontario\uff09<\/strong>\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5bf9\u4e8e <strong>RIBO Level 1<\/strong> \u8003\u8bd5\u6765\u8bf4\uff0c\u4e0d\u9700\u8981\u80cc\u6574\u90e8\u6cd5\u5f8b\uff0c\u800c\u662f\u638c\u63e1\u8003\u8bd5\u9ad8\u9891\u8003\u70b9\u5373\u53ef\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u7b2c\u4e00\u7ae0\uff1a\u4ec0\u4e48\u662f RIB Act\uff1f\uff08\u2605\u2605\u2605\u2605\u2605\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>RIB Act<\/strong> \u662f\u5b89\u5927\u7565\u7701\u89c4\u8303\u4fdd\u9669\u7ecf\u7eaa\u4eba\uff08Insurance Brokers\uff09\u7684\u6cd5\u5f8b\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5b83\u89c4\u5b9a\u4e86\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u8c01\u53ef\u4ee5\u6210\u4e3a Insurance Broker<\/li>\n\n\n\n<li>Broker \u5fc5\u987b\u9075\u5b88\u54ea\u4e9b\u89c4\u5219<\/li>\n\n\n\n<li>\u8c01\u8d1f\u8d23\u76d1\u7ba1 Broker<\/li>\n\n\n\n<li>\u5982\u4f55\u5904\u7f5a\u8fdd\u89c4 Broker<\/li>\n\n\n\n<li>\u5982\u4f55\u4fdd\u62a4\u6d88\u8d39\u8005<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u4e00\u53e5\u8bdd\u8bb0\u5fc6\uff1a<\/strong><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>RIB Act = \u7ba1\u7406 Ontario Insurance Brokers \u7684\u6cd5\u5f8b\u3002<\/strong><\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u7b2c\u4e8c\u7ae0\uff1aRIBO \u662f\u4ec0\u4e48\uff1f\uff08\u2605\u2605\u2605\u2605\u2605\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>RIBO = Registered Insurance Brokers of Ontario<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">RIBO \u662f\u6839\u636e <strong>RIB Act<\/strong> \u6210\u7acb\u7684\u76d1\u7ba1\u673a\u6784\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5b83\u4e0d\u662f\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; \u4fdd\u9669\u516c\u53f8<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; \u653f\u5e9c\u90e8\u95e8<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u800c\u662f\u4f9d\u6cd5\u8d1f\u8d23\u76d1\u7ba1\u4fdd\u9669\u7ecf\u7eaa\u4eba\u7684\u673a\u6784\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e3b\u8981\u804c\u8d23\u5305\u62ec\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u53d1\u653e\u6267\u7167\uff08Licensing\uff09<\/li>\n\n\n\n<li>\u76d1\u7763\u7ecf\u7eaa\u4eba\uff08Regulation\uff09<\/li>\n\n\n\n<li>\u8c03\u67e5\u6295\u8bc9\uff08Investigation\uff09<\/li>\n\n\n\n<li>\u7eaa\u5f8b\u5904\u5206\uff08Discipline\uff09<\/li>\n\n\n\n<li>\u6559\u80b2\u8981\u6c42\uff08Education\uff09<\/li>\n\n\n\n<li>\u6301\u7eed\u6559\u80b2\uff08Continuing Education\uff09<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u8003\u8bd5\u53e3\u8bc0\uff1a<\/strong><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>License \u2192 Regulate \u2192 Investigate \u2192 Discipline \u2192 Protect the Public<\/strong><\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u7b2c\u4e09\u7ae0\uff1aRIB Act \u7684\u76ee\u7684\uff08\u2605\u2605\u2605\u2605\u2605\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u8003\u8bd5\u975e\u5e38\u559c\u6b22\u95ee\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>RIB Act \u7684\u4e3b\u8981\u76ee\u7684\u662f\u4ec0\u4e48\uff1f<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u6b63\u786e\u7b54\u6848\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Protect the Public\uff08\u4fdd\u62a4\u516c\u4f17\uff09<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u662f\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; Protect Brokers<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; Protect Insurance Companies<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; Help Brokers make money<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u4f8b\u9898<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The primary purpose of the RIB Act is to:<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Protect insurance companies<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Increase broker commissions<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Protect the public<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. Reduce premiums<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; <strong>\u7b54\u6848\uff1aC<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u7b2c\u56db\u7ae0\uff1a\u8c01\u5fc5\u987b\u6301\u6709 RIBO Licence\uff1f\uff08\u2605\u2605\u2605\u2605\u2605\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u51e1\u662f\u4ee3\u8868 Broker\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u9500\u552e\u4fdd\u9669<\/li>\n\n\n\n<li>\u63d0\u4f9b\u4fdd\u9669\u5efa\u8bae<\/li>\n\n\n\n<li>\u5b89\u6392\u4fdd\u9669<\/li>\n\n\n\n<li>\u4e0e\u5ba2\u6237\u8ba8\u8bba\u4fdd\u9669\u4fdd\u969c<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u90fd\u5fc5\u987b\u6301\u6709 RIBO Licence\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u4e0d\u9700\u8981\u6267\u7167\u7684\u4eba<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Receptionist<\/li>\n\n\n\n<li>Bookkeeper<\/li>\n\n\n\n<li>IT staff<\/li>\n\n\n\n<li>Cleaner<\/li>\n\n\n\n<li>Filing clerk<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u4e9b\u4eba\u5458\u53ef\u4ee5\u505a\u884c\u653f\u5de5\u4f5c\uff0c\u4f46<strong>\u4e0d\u80fd\u63d0\u4f9b\u4fdd\u9669\u5efa\u8bae<\/strong>\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u7ecf\u5178\u9677\u9631<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u524d\u53f0\u63a5\u5230\u7535\u8bdd\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5ba2\u6237\u95ee\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">&#8220;Should I buy a $500 deductible or a $1,000 deductible?&#8221;<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">Receptionist \u56de\u7b54\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">&#8220;$500 is better.&#8221;<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u662f\u5426\u5408\u6cd5\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; \u4e0d\u5408\u6cd5\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u56e0\u4e3a\u5df2\u7ecf\u5c5e\u4e8e<strong>\u63d0\u4f9b\u4fdd\u9669\u5efa\u8bae<\/strong>\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u7b2c\u4e94\u7ae0\uff1aBroker \u7684\u8d23\u4efb\uff08\u2605\u2605\u2605\u2605\u2605\uff09<\/h1>\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>Honest\uff08\u8bda\u5b9e\uff09<\/li>\n\n\n\n<li>Competent\uff08\u4e13\u4e1a\uff09<\/li>\n\n\n\n<li>Fair\uff08\u516c\u5e73\uff09<\/li>\n\n\n\n<li>Act in client&#8217;s best interest\uff08\u4ee5\u5ba2\u6237\u5229\u76ca\u4e3a\u5148\uff09<\/li>\n\n\n\n<li>Keep information confidential\uff08\u4fdd\u5bc6\uff09<\/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\">\u8003\u8bd5\u4f8b\u9898<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A broker recommends a policy only because it pays a higher commission.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This violates:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Confidentiality<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Conflict of Interest<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Coinsurance<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. Subrogation<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; <strong>\u7b54\u6848\uff1aB<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u7b2c\u516d\u7ae0\uff1a\u7eaa\u5f8b\u5904\u5206\uff08\u2605\u2605\u2605\u2605\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c Broker \u8fdd\u53cd RIB Act\uff0cRIBO \u53ef\u4ee5\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Warning\uff08\u8b66\u544a\uff09<\/li>\n\n\n\n<li>Fine\uff08\u7f5a\u6b3e\uff09<\/li>\n\n\n\n<li>Suspend Licence\uff08\u6682\u505c\u6267\u7167\uff09<\/li>\n\n\n\n<li>Revoke Licence\uff08\u540a\u9500\u6267\u7167\uff09<\/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\">\u4f8b\u9898<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Who has the authority to discipline an Ontario insurance broker?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. The insurer<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. The client<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. RIBO<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. FSRA<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; <strong>\u7b54\u6848\uff1aC<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u7b2c\u4e03\u7ae0\uff1aTrust Money\uff08\u2605\u2605\u2605\u2605\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u5ba2\u6237\u4ea4\u7684\u4fdd\u8d39\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u662f Broker \u81ea\u5df1\u7684\u94b1\u3002<\/p>\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>\u59a5\u5584\u4fdd\u7ba1<\/li>\n\n\n\n<li>\u6b63\u786e\u8bb0\u5f55<\/li>\n\n\n\n<li>\u6309\u89c4\u5b9a\u5904\u7406<\/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\">\u9677\u9631\u9898<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Broker \u6536\u5230\u5ba2\u6237\u4fdd\u8d39\u540e\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u53ef\u4ee5\u5148\u652f\u4ed8\u529e\u516c\u5ba4\u79df\u91d1\u5417\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; \u4e0d\u53ef\u4ee5\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u7b2c\u516b\u7ae0\uff1aMisrepresentation\uff08\u2605\u2605\u2605\u2605\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Broker \u4e0d\u53ef\u4ee5\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5938\u5927\u4fdd\u969c<\/li>\n\n\n\n<li>\u9690\u7792\u91cd\u8981\u4e8b\u5b9e<\/li>\n\n\n\n<li>\u63d0\u4f9b\u865a\u5047\u4fe1\u606f<\/li>\n\n\n\n<li>\u8bef\u5bfc\u5ba2\u6237<\/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\">\u4f8b\u9898<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Broker says:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">&#8220;This policy covers absolutely everything.&#8221;<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u662f\u5426\u5408\u6cd5\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; \u4e0d\u5408\u6cd5\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u56e0\u4e3a\u6ca1\u6709\u4efb\u4f55\u4fdd\u9669\u4fdd\u5355\u80fd\u591f\u4fdd\u969c\u201c\u4e00\u5207\u98ce\u9669\u3001\u6beb\u65e0\u4f8b\u5916\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\">\u7b2c\u4e5d\u7ae0\uff1aConflict of Interest\uff08\u2605\u2605\u2605\u2605\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Broker \u5e94\u4f18\u5148\u8003\u8651\u5ba2\u6237\u5229\u76ca\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A \u516c\u53f8\u4f63\u91d1\u8f83\u9ad8\uff1b<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B \u516c\u53f8\u4ea7\u54c1\u66f4\u9002\u5408\u5ba2\u6237\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c Broker \u4ec5\u56e0\u4f63\u91d1\u9ad8\u800c\u63a8\u8350 A \u516c\u53f8\uff0c\u5c31\u6784\u6210\u5229\u76ca\u51b2\u7a81\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">RIBO \u5fc5\u8003 10 \u6761\uff08\u5efa\u8bae\u80cc\u719f\uff09<\/h1>\n\n\n\n<ol class=\"wp-block-list\">\n<li>RIB Act \u662f\u7ba1\u7406 Ontario Insurance Brokers \u7684\u6cd5\u5f8b\u3002<\/li>\n\n\n\n<li>RIBO \u662f\u4f9d\u636e RIB Act \u6210\u7acb\u7684\u76d1\u7ba1\u673a\u6784\u3002<\/li>\n\n\n\n<li><strong>RIB Act \u7684\u4e3b\u8981\u76ee\u7684\uff1aProtect the Public\u3002<\/strong><\/li>\n\n\n\n<li>\u9500\u552e\u6216\u63d0\u4f9b\u4fdd\u9669\u5efa\u8bae\u5fc5\u987b\u6301\u6709 RIBO Licence\u3002<\/li>\n\n\n\n<li>\u884c\u653f\u4eba\u5458\u4e0d\u80fd\u63d0\u4f9b\u4fdd\u9669\u5efa\u8bae\u3002<\/li>\n\n\n\n<li>Broker \u5fc5\u987b\u8bda\u5b9e\u3001\u516c\u5e73\u3001\u4e13\u4e1a\u3002<\/li>\n\n\n\n<li>Broker \u5e94\u4f18\u5148\u7ef4\u62a4\u5ba2\u6237\u5229\u76ca\u3002<\/li>\n\n\n\n<li>\u5ba2\u6237\u4fdd\u8d39\u5e94\u4f9d\u6cd5\u59a5\u5584\u5904\u7406\uff0c\u4e0d\u5f97\u632a\u4f5c\u4ed6\u7528\u3002<\/li>\n\n\n\n<li>Broker \u4e0d\u5f97\u8bef\u5bfc\u5ba2\u6237\u6216\u4f5c\u865a\u5047\u9648\u8ff0\u3002<\/li>\n\n\n\n<li>RIBO \u6709\u6743\u8c03\u67e5\u6295\u8bc9\u5e76\u5b9e\u65bd\u7eaa\u5f8b\u5904\u5206\u3002<\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u63a5\u4e0b\u6765\u5efa\u8bae\u5b66\u4e60<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>RIB Act<\/strong> \u672c\u8eab\u5185\u5bb9\u5e76\u4e0d\u591a\uff0c\u4f46\u8003\u8bd5\u771f\u6b63\u7684\u91cd\u70b9\u901a\u5e38\u6765\u81ea\u5b83\u7684\u914d\u5957\u89c4\u5b9a\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6211\u5efa\u8bae\u4e0b\u4e00\u8282\u5b66\u4e60 <strong>Regulation 991\uff08RIBO Regulation\uff09<\/strong>\uff0c\u8fd9\u662f RIBO Level 1 \u6700\u5e38\u8003\u3001\u4e5f\u662f\u6700\u5bb9\u6613\u51fa\u9677\u9631\u9898\u7684\u6cd5\u89c4\u5185\u5bb9\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u6211\u5efa\u8bae\u7684\u5b66\u4e60\u987a\u5e8f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e3a\u4e86\u66f4\u7b26\u5408 RIBO Level 1 \u7684\u51fa\u9898\u65b9\u5f0f\uff0c\u6211\u5efa\u8bae\u6309\u4e0b\u9762\u7684\u987a\u5e8f\u5b66\u4e60\uff1a<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>RIB Act<\/strong>\uff08\u6574\u4f53\u6846\u67b6\uff0c1 \u5c0f\u65f6\u5de6\u53f3\u5373\u53ef\u638c\u63e1\uff09<\/li>\n\n\n\n<li><strong>Regulation 991<\/strong>\uff08\u8003\u8bd5\u91cd\u70b9\uff09<\/li>\n\n\n\n<li><strong>Code of Conduct<\/strong><\/li>\n\n\n\n<li><strong>RIBO By-laws<\/strong><\/li>\n\n\n\n<li><strong>Agency Law<\/strong><\/li>\n\n\n\n<li><strong>Professional Conduct \u7efc\u5408\u7ec3\u4e60<\/strong><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">\u5b66\u5b8c\u8fd9\u51e0\u90e8\u5206\u540e\uff0c\u804c\u4e1a\u89c4\u8303\u7c7b\u9898\u76ee\u57fa\u672c\u5c31\u80fd\u8986\u76d6\u8003\u8bd5\u7684\u5927\u90e8\u5206\u8003\u70b9\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n<div class=\"pvc_clear\"><\/div><p id=\"pvc_stats_21243\" class=\"pvc_stats all  \" data-element-id=\"21243\" 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>RIB Act \u5b66\u4e60\u6846\u67b6\uff08\u8003\u8bd5\u91cd\u70b9\uff09 \u5efa\u8bae\u6309\u4e0b\u9762 8 \u4e2a\u6a21\u5757 \u5b66\u4e60\u3002 \u2460 RIBO \u662f\u4ec0\u4e48\uff08\u2605\u2605\u2605\u2605\u2605\uff09 \u8fd9\u662f\u6700\u5bb9\u6613\u8003\u7684\u3002 \u4f60\u8981\u77e5\u9053\uff1a RIBO = Registered Insurance Brokers of Ontario \u804c\u8d23\uff1a \u4e00\u53e5\u53e3\u8bc0\uff1a License + Education + Discipline + Consumer Protection \u2461 \u8c01\u5fc5\u987b\u6301\u6709 RIBO Licence\uff08\u2605\u2605\u2605\u2605\u2605\uff09 \u8003\u8bd5\u975e\u5e38\u559c\u6b22\u3002 \u5fc5\u987b\u6301\u724c\u7684\u4eba\uff1a &#x2705; \u5411\u516c\u4f17\u9500\u552e\u4fdd\u9669 &#x2705; \u63d0\u4f9b\u4fdd\u9669\u5efa\u8bae &#x2705; \u5b89\u6392\u4fdd\u9669 &#x2705; \u4ee3\u8868 Broker \u4e0e\u5ba2\u6237\u4ea4\u6613 \u4e0d\u7528\u724c\u7167\u7684\u4eba\uff08\u5e38\u8003\uff09 \u4f8b\u5982\uff1a \u4ed6\u4eec\u4e0d\u80fd\uff1a \u7ecf\u5178\u9898\uff1a A receptionist explains which deductible a &hellip; <a href=\"http:\/\/johnhealth.ca\/?p=21243\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;\u4fdd\u9669\u77e5\u8bc6\uff1aACT&#8221;<\/span><\/a><\/p>\n<div class=\"pvc_clear\"><\/div>\n<p id=\"pvc_stats_21243\" class=\"pvc_stats all  \" data-element-id=\"21243\" 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":[161,157,156],"class_list":["post-21243","post","type-post","status-publish","format-standard","hentry","category-155","tag-act","tag-ribo","tag-156"],"a3_pvc":{"activated":true,"total_views":1,"today_views":0},"_links":{"self":[{"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/posts\/21243","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=21243"}],"version-history":[{"count":3,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/posts\/21243\/revisions"}],"predecessor-version":[{"id":21248,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/posts\/21243\/revisions\/21248"}],"wp:attachment":[{"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=21243"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=21243"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=21243"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}