Ensuring front line staff are selling compliantly is a vital part of regulatory duties.

Following on from last week's discussion of the Insurance Conduct of Business rules (ICOB), this week's columnist, Elizabeth Mills, talks in depth about making sure your staff are compliant.

The coming into force of the Distance Marketing Directive (DMD) at the end of October represents the first hurdle for brokers. With its implementation date of

31 October - postponed from 9 October - it will bring into effect many of the ICOB rules.

With a month to go before the DMD comes into effect, if you have yet to start preparing it will be a busy few weeks. But the effort will be worth it, not least because you will be trading legally, but it will stand you in good stead for next year.

Michael Faulkner

If you have received a 'minded to authorise' letter, email: michael.faulkner@instimes.co.uk