Efforts to make up shortfall and self-disclosure both “significantly” mitigating.

Agent files simplified application for insured in intensive care with a brain injury.

Fine and costs ordered following close supervision for not obtaining fulsome instructions.

Regulator sanctions former dealing representative for forms that weren’t used.

Representative received bonus for pandemic changes, was terminated the following year.

Company also fines portfolio manager for insubordination.

Halifax rep sanctioned for not obtaining client authorization for changes.