It suggests inserting a consent clause in mixed agreements concluded with third countries and looking into the possibilities of getting the consent of third countries for the Union to exercise a duty of protection, via the Commission delegations, in cases relating to Community competence.

A Member State may exempt a registered third-country auditor or audit entity from being subject to its quality assurance system if another Member State's or third country's system of quality assurance that has been assessed as equivalent in accordance with Article 46 has carried out a quality review of the third-country auditor or audit entity concerned during the previous three years.

This Directive shall not regulate insurance mediation activities carried out in third countries nor activities of Community insurance or reinsurance undertakings, as defined in First Council Directive 73/239/EEC of 24 July 1973 on the coordination of laws, regulations and administrative provisions relating to the taking-up and pursuit of the business of direct insurance other than life assurance(8) and First Council Directive 79/267/EEC of 5 March 1979 on the coordination of laws, regulations and administrative provisions relating to the taking-up and pursuit of the business of direct life assurance(9), carried out through insurance inte ...[+++]rmediaries in third countries.

This Directive shall not regulate insurance mediation activities carried out in third countries nor activities of Community insurance or reinsurance undertakings, as defined in First Council Directive 73/239/EEC of 24 July 1973 on the coordination of laws, regulations and administrative provisions relating to the taking-up and pursuit of the business of direct insurance other than life assurance and First Council Directive 79/267/EEC of 5 March 1979 on the coordination of laws, regulations and administrative provisions relating to the taking-up and pursuit of the business of direct life assurance , carried out through insurance intermedi ...[+++]aries in third countries.

With respect to the HRDC investigation process: (a) why is regional discretion in regard to the department's caution statement permitted to be exercised by HRDC officials; (b) has the department carried out an internal investigation concerning the practice of using the HRDC official consent form to obtain statements from claimants; (c) what is the procedure used by the department to ensure the reliability and credibility of all third party reports used to initiate investigations; (d) are interrogations conducted with the use of audio or video equipment in order to determine the accuracy and validity of testimony provided and technique ...[+++]s used during interrogation by departmental officials; (e) has HRDC considered providing duty counsel to avoid, minimize or eliminate any charter of rights challenges; (f) has the minister been counselled by the department regarding section 2.20 of the HRDC document investigation and control manual and, if so, what measures and directives have been taken to correct the apparent contradictions between this document and subsection 41(5) of the Employment Insurance Act; (g) why does the claimant not receive a copy of the signed statement of declaration; (h) why does the investigation and control manual not emphasize the legal responsibility of providing the claimant with a copy of the signed statement of declaration; (i) what process does the department use to evaluate the investigation control officer's performance; and (j) what specific action has the minister initiated to address the issue of incompetence and inexperience, as noted in the department's prosecution program review report and the auditor general's report regarding the investigation control officer?

Today, life insurance brokers get two thirds of their income not from selling insurance products but savings products.