This document discusses the rights and remedies available to Rugger Advance Pty Ltd against their sales agent for the SA in the Northern Territory. It explores the duties of an agent, including fiduciary duty and disclosure of conflicts of interest. The document also examines the case of ACCC v Flight Centre Travel Group Ltd and its implications for damages. In addition, the document addresses the Royal Commission into Misconduct in the Banking, Superannuation and Financial Services Industry and its impact on the insurance sector.