Guidance On Cross-Selling In Insurance

In May 2025, the FSMA and FPS Economy jointly issued an extensive practical guide on cross-selling practices which include at least one insurance product (the “  Guide”). The Guide also includes an FAQ.

Multiple fragmented rules apply to cross-selling in the insurance sector, making this guide a useful tool for navigating and understanding those rules.

In this news, we attempt to summarise the essence of the 89-pages long Guide.

INTRODUCTION INTO CROSS­-SELLING & SCOPE

Cross-selling refers to the practice of offering a combination (a “package” or “bundle”) of products or services together. For the purpose of the Guide, at least one of the components offered is an insurance product. This insurance product can either be the main product or an accessory.