Remaining Ethical in Insurance




(253) 846-1155


Course Overview

  Remaining Ethical in Insurance is a field guide for insurance producers. Like other professional who deal with the financial security of their clients, insurance professionals face a large number of ethical questions.  We believe that most insurance producers are honest people.  Even so, we feel it makes sense to remind the field agents of their ethical responsibilities.


  The objective of this course is to make the insurance professional aware of ethical issues when selling a product as well as laws that each professional should educate themselves on before representing any insurance product.



Course Schedule




Chapter 1

Looking at the General Picture


Chapter 2

Who Needs Ethics

Remaining Ethics in Insurance looks at the general trends in our society.  From this viewpoint, the course looks at the definition of ethics. It also examines ethics from a historical standpoint, since ethical norms change as social trends change.

Chapter 3

Avoiding Deadly Attitudes

This course points out attitudes that an insurance professional needs to avoid if they are to make insurance their career.  Such things as value judgments, communication skills and avoiding instant gratification (by placing the wrong insurance product) are discussed.  We also look at why business needs a code of ethics.  When ethics are not stressed in business at the management level, it will not be stressed at the field level either.

Chapter 4

Business & Ethics Need Each

Although desired behavior can be mandated by law if necessary, this course strives to show professionals why it is to their benefit to follow ethical guidelines whether mandated or not.  We look at what it takes to make ethical decisions.  We look at what it takes to market insurance products ethically while still making a good living.

Chapter 5

Making Ethical Decisions

There are examples of state insurance laws cited as well as insurance producers that did not follow the laws.  They are highlighted where subjects like commingling funds and replacement of insurance products are discussed.

Chapter 6

Ethical Marketing

The course uses the word “marketing” but not in the way that this word is normally used.  It discusses not only how a professional treats the consumer but also how insurance products are presented through verbal contact and through insurer advertising. The course cites specific state regulations as examples of what insurance professionals need to be aware of when presenting insurance products.

Chapter 7

Ethical Selling

   Throughout the course, NAIC’s annuity best interest requirements are discussed. The principles of best interest are applied to insurance professionals as well as adjusters. The course covers specific requirements in states trying to protect the consumers.

Additional Information