Presenting Products Ethically




(253) 846-1155


Course Overview

  This course is designed for career agents who intend to remain in the insurance profession long term but it will benefit any person who wishes to be ethical.  Commissioned sales are not an easy road to travel, but for those who excel at their job it can be very satisfying and also financially rewarding.  It is unlikely that an individual would remain in the profession unless he or she presented all products ethically.  This course charts that process from first contact through product servicing.


  Insurance agents must be professional of course, but they must also have a sense of honesty that never waivers.  Insurance sales may lead to friendships that last a life time since agents often have continued contact with their clients.  Whether or not this happens, however, every client must receive complete disclosure regarding products and services.  There is never any excuse for doing any less than that.

Course Schedule




Chapter 1

Agent Ethics

Why is ethical conduct necessary?

Chapter 2

First Contact

Sales conduct

Chapter 3

Product Suitability

How do determine suitability?

Chapter 4

Product Costs

Adverse selection, risk categories

Chapter 5

Anti-Money Laundering

Client due diligence.

Chapter 6


Lifetime Income Funds

Chapter 7

Following the Sale

What happens when the product perform badly?

Additional Information