The Rise of the Appointed Representative

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For a long while the appointed representative (AR) business model in the general insurance market has not had the same acceptance as directly authorised brokers.

In the broader financial services world, however, this is a prevalent way of trading, with thousands of IFAs operating in this manner, from sole traders to substantial businesses.

In other parts of the world, AR models, or variations of them, are broadly recognised as a valuable part of the insurance community.

Perception
The perception