Brokers may act in a manner that could be considered a conflict of interest if they:
a) Are acting on behalf of the client while accepting payment on behalf of the insurer
b) Offer advice regarding the type of insurance most suitable to their client's needs and this is also in the best interests of the insurer
c) Act in a manner that is above reproach from both the clients and insurer's perspective
d) Represent both the client and the insurer at the same time