Agent has not rendered proper advice in the selection of an insurance product.
Agent has not done any service after sales (from proposal stage to issue of policy document, and also any service after sales (from proposal stage to issue of policy document and also after issue of policy document in regard to payment of premiums, etc.); and against ATIs).

ATI has indulged in bad practices which caused their candidates (who were earlier trained by them) who became insurance agents of no use to the policy-holders;
Any other matter which could be against ATI.