The presenter is an insurance agent who emphasizes the value of ethics in the profession.

We get busy in everyday life and don’t have time to think. Hopefully, we’ll gain something from the speech tonight. Quote: The measure of a man’s character is what he would do if it would never be found out. it means integrity.

Sometimes we get stuck doing things the same way. Unfair claims practices: Listing of several scenarios. Laws that agencies have to look out for: rebating (illegal) but it’s okay to give away a cell phone to someone who comes in for a quote; misrepresentation (example of a company in Florida that was signing up lots of teachers for a “retirement plan”).

Situation: Sally was referred to Frank. Frank was interested in a life insurance policy. Sally knew how much Frank needed. While waiting in his living room, Sally noticed a picture of Frank with his climbing club. Sally explains the policy. He said he doesn’t do any risky activities. Sally needs to give an accurate picture to the underwriters of the degree of risk of his mountain climbing activities. Frank gets miffed and said he won’t sign up for the policy if she reveals it to the underwriters. What would you do?

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