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

Self-disclosure not enough to depart from baseline penalties.

Former licensee claims a medical condition made him forget his incarceration for fraud.

Missing continuing education credits costs licensee $6,000.

Company and its nominee fined for letting coverage lapse.

Tangled personal and business relationships an isolated event, but still costs agent $8,312.

Insurance council warns agents against offering service beyond their competence.