Here is an extract that the regulators are working to skin end the restrictions.
Incentive Management Guidance
Representatives who operate under an incentive arrangement must maintain their obligations to manage conflicts of interest and their duty to prioritize Customers’ interests as described in the CCIR/CISRO FTC Guidance.
Risks of negative outcomes to Customers
CCIR and CISRO expect Insurers and Intermediaries to identify and assess on a regular basis the risks of negative outcomes to Customers that may arise from incentive arrangements so that they can either introduce appropriate controls or adjust their incentive arrangements.
Negative outcomes are more likely to be present when Insurers, Intermediaries or any persons and entities acting on their behalf pay or receive Incentives for practices that fail to achieve expected FTC outcomes
Such risks may arise from the design of incentive arrangements, issues specific to distribution methods and systems for reporting and controlling Customer outcomes.