Insurance council also fines agent and assesses both hearing and investigation costs.

Hearing panel notes that form violations are shrinking as a percentage of files opened.

Initially denying wrongdoing considered an aggravating factor by council.

Habit of making alterations costs dealing representative $28,500.

Firm levies its own internal penalties for using WhatsApp and failing as gatekeeper.

Registered representative ordered to pay $386,492.

Rep also fined and banned for processing transactions to increase his commission.