On 4 February 2015, EIOPA published its final report and its technical advice to the European Commission, regarding conflicts of interest in sales of insurance-based investment products.  The report summarises the feedback received on EIOPA's 2014 consultation and its key conclusions based on these.  Key recommendations reflected in the report and technical advice include requiring clear disclosure of inducements, ensuring that such inducements do not affect the insurance intermediaries and insurer's duty to act in the best interests of consumers and for insurers/intermediaries to put in place an effective written conflicts of interest policy.