Updated reference to Regulatory Guide 246. Changes are in mark up.

Updated for 1 January 2021 removal of grandfathered commissions. Changes are marked up.

This policy has been updated to reference the declaration of the lack of independence which needs to be included from 1 July 2021. This document is in mark up to enable easy comparison with any existing versions.

Minor update with additional instructions on which policies are needed for each Licensee at minimum. Changes are marked up for ease of reference.

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