INSURANCE DISTRIBUTION GOVERNANCE BOARD
Insurance Distribution Governance for Boards
Board oversight of insurance distribution, intermediary conduct, sales quality, persistency, customer outcomes and channel accountability.
Board
LEVEL GOVERNANCE FOCUS
Insurance
SECTOR-SPECIFIC OVERSIGHT
Global
NORTH AMERICA • MIDDLE EAST • ASIA
Direct Answer
Insurance distribution governance is the board discipline that links channel growth to sales quality, customer suitability, persistency, complaints, remuneration, intermediary controls and management accountability. Strong distribution cannot be judged on premium growth alone.
Who This Is For
Built for boards that need decision-quality evidence and sector judgment.
Insurance boards, CEOs, distribution leaders, conduct committees, bancassurance teams, brokers and intermediaries.
Board Risks Addressed
Key Takeaway
Premium growth without persistency and complaints context is incomplete board information.
Key Takeaway
Remuneration and target design can create conduct risk before complaints become visible.
Key Takeaway
Third-party distribution requires governance evidence, not contractual delegation alone.
Board Support
Distribution governance and board reporting design
Channel-risk and customer-outcome challenge
Bancassurance, intermediary and cross-border distribution perspective
Sales-quality metrics that connect growth with sustainability
Questions Directors Should Ask
Question 1
Which channels generate the weakest persistency or highest complaint rates?
Question 2
What customer-outcome indicators sit beside revenue in board reporting?
Question 3
Where could incentive design be encouraging unsuitable or unsustainable sales behaviour?
Frequently Asked Questions
What is insurance distribution governance?
Insurance distribution governance is the oversight framework used to ensure sales channels, intermediaries, incentives, suitability controls and customer outcomes remain aligned with strategy and regulatory expectations.
What should a board monitor beyond premium growth?
Boards should monitor persistency, cancellations, complaints, suitability exceptions, intermediary quality, remuneration signals, customer outcomes and conduct indicators alongside premium growth.
Why is third-party distribution a board issue?
Insurers may outsource distribution activity, but they do not outsource the reputational, customer and regulatory consequences of poor distribution outcomes.
Board Opportunity
If this issue is live in your boardroom, share the mandate context directly.
For board appointments, NED opportunities or focused governance mandates, include the institution, market, board or committee requirement and timing.