can be introduced in the regulation here to ensure that a telemarketer can proceed only if he gets a consent in explicit terms from the clientthe rules should also mandate telemarketers to make proper disclosures this will curb misselling especially in products like unitlinked insurance plans ulips that have an investment component the client has to be kept in the loop if she has to bear the investment risk on a productdisclosures should also be made on the lockin period and all charges simply put the rules should ensure that no misleading claims are made on the product knowyourclient kyc norms should be in place as well to ensure that the client can furnish her source of funds or proof of identity to the insurer or the regulator whenever required the regulator plans to get feedback on the guidelines from the general and life insurance council said a giridhar executive director at irdaa round of consultations with regulators including the rbi and telecom regulatory authority of india will help if turf issues arise