Japan's Financial Services Agency tightened rules for agencies selling several insurers' policies: they must explain the comparable policies selected and give concrete reasons for a recommendation

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A regulator's final rule for insurance agencies that sell policies from two or more insurers. The amended cabinet office ordinance was promulgated on 28 August 2026 and applies from 1 March 2028; the supervisory guidelines say such agencies must carry out appropriate comparative recommendation, and ask whether, when recommending a particular policy among those selected on the client's wishes, the agency explains criteria or reasons that are reasonable and reasonably specific, says that other policies exist, and does not in substance select by the level of commission it receives. It binds multi-insurer agencies, not tied agents; it governs how comparisons are explained and does not require that a person rather than a system do it.

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One country's rule for multi-insurer agencies, applying from 2028; it does not show how often clients arrive with online comparisons.

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