Involuntary Termination Causes

Why the company may terminate an IA.

What is Involuntary Termination?

The company ending your IA position due to policy violations or other serious issues.

Termination-Worthy Violations

Serious Policy Violations

Violation	Description
Income guarantees	Promising specific earnings
Investment claims	Presenting CSR as investment
Cross-recruiting	Recruiting from other lines
Fraud	Deception, false information
Illegal activity	Any criminal conduct

Marketing Violations

Violation	Description
Unauthorized materials	Using non-approved content
False testimonials	Fake or misleading stories
Prohibited claims	Medical, health, guarantee claims
Misrepresentation	False statements about company/product

Business Conduct

Violation	Description
Operating in restricted areas	Unauthorized territories
Multiple positions	Holding more than one IA position
Identity fraud	Using another's identity
Breach of agreement	Violating IA Agreement terms

Ethical Violations

Violation	Description
Harassment	Of customers, IAs, or staff
Defamation	False statements harming company
Theft	Of funds, data, or property
Non-cooperation	With investigations

Warning vs Termination

Severity	Typical Action
Minor first offense	Warning, education
Repeated minor	Suspension
Serious first offense	May terminate immediately
Pattern of violations	Termination

Immediate Termination Offenses

Some violations result in immediate termination without warning:

Offense
Fraud
Illegal activity
Severe misrepresentation
Harassment
Identity fraud

Investigation First

Before termination, company typically:

1. Receives complaint or identifies issue
2. Investigates claims
3. Gathers evidence
4. Gives opportunity to respond (usually)
5. Makes decision

Denial of Wrongdoing

Even if you deny the violation:

• Company makes final determination
• Evidence is evaluated
• Decision may still be termination
• Appeal process available

See Involuntary Termination Process for next steps.