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1. Parties: Identification of the insurance company and distributor, including their legal status and regulatory authorizations

2. Background: Context of the agreement and brief description of the parties' business relationship

3. Definitions: Key terms used throughout the agreement, including regulatory terminology

4. Appointment and Scope: Terms of appointment, territory, and products covered by the distribution agreement

5. Regulatory Compliance: Obligations to comply with Philippine insurance laws, Insurance Commission regulations, and other applicable laws

6. Duties and Responsibilities: Detailed obligations of both parties, including sales practices, reporting, and customer service standards

7. Commission Structure: Basic commission framework and payment terms

8. Training and Support: Requirements for product training, sales support, and ongoing education

9. Compliance with Anti-Money Laundering Requirements: AMLA compliance procedures and requirements

10. Data Protection and Confidentiality: Obligations under the Data Privacy Act and confidentiality requirements

11. Records Maintenance: Requirements for maintaining documentation and transaction records

12. Representations and Warranties: Standard representations regarding authority, licenses, and capacity

13. Term and Termination: Duration of agreement and termination provisions

14. Post-Termination Obligations: Duties and responsibilities after agreement termination

15. Dispute Resolution: Process for resolving disputes under Philippine law

16. General Provisions: Standard boilerplate clauses including notices, amendments, and governing law

1. Schedule A - Products: List of insurance products covered by the agreement with detailed descriptions

2. Schedule B - Commission Rates: Detailed commission structures, rates, and calculation methods

3. Schedule C - Territory: Detailed description of authorized distribution territory

4. Schedule D - Regulatory Licenses: Copies or details of required regulatory licenses and authorizations

5. Schedule E - Operating Procedures: Detailed procedures for sales, customer service, and claims handling

6. Schedule F - Reporting Templates: Standard formats for required regular reports

7. Appendix 1 - Contact Details: Key contact information for both parties

8. Appendix 2 - Compliance Checklist: Regulatory compliance requirements and checklist

9. Appendix 3 - Training Requirements: Detailed training requirements and certification processes