Your BMS entry is not the client file

Answers are general operational information only — not legal, tax, regulatory, clinical, privacy, immigration, or professional advice. Requirements vary by matter, client, and regulator.

Frequently asked questions

Isn't Epic my client file?

Epic holds policy administration. Supporting documents and quote-time disclosure records must be attachable and complete — not implied by diary notes.

What counts as supporting documents?

Typically applications, ID where required, driver's abstracts, disclosure/confirmation records, CISRO Principles and RIBO Fact Sheet delivery evidence where your process uses them, and needs notes — follow current RIBO-002 guidance and your PB plan.

Do CSRs create the same gap?

Yes — service changes need documented client instructions and uploads.

Can I fix this without new software?

Strict attachment discipline helps — checklists scale better across producers.

Does Hivi-X replace Epic?

No. Collect upstream; export PDF into Epic.

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