Below are specific examples of situations that arose in the CSF’s disciplinary committee decisions in which the insurance advisor made false representations:

• The advisor confirmed to a client that a product was offered only to high-level clientele, that it was currently on promotion for a limited time, and that if potential clients purchased it, they could take advantage of additional benefits, although this was false. (Decision CD00-0446)
• The advisor provided incorrect and incomplete information on the type of product purchased and the applicable guarantees. (Decisions CD00-1020 and CD00-0535)
• The advisor made false, incomplete, misleading, or potentially error-causing statements on the amount of premiums due to keep an insurance policy active. (Decision CD00-0851)
• The advisor made false representations during the purchase of a life insurance policy by providing an incorrect and misleading comparison table of two policies, in particular regarding premiums due and the value of the fund. (Decision CD00-0727)
• The advisor sent clients mass e-mails that contained incomplete, false, or misleading information about segregated funds that they held through them, indicating that their investments were fully guaranteed without specifying the conditions regarding the application of this guarantee. (Decision CD00-0964)