Manitoba agent also sanctioned in Alberta.

Misconduct, misrepresentations and missed emails end in a series of sanctions for Manitoba agent.

Agent reinstates charges for 15 clients, including one in Manitoba, without consent.

Decision highlights multiple communications to agents about their disclosure obligations.

Captive insurance agencies could be forced to move staff, or move out of the province.

Former agent, licensed across the country, fined for three transactions made in Manitoba.

Falsehoods on renewal application also leads council to order a remedial ethics course.