Moral Obligations:
Upholding Integrity in Practice
Table of Contents
|
Our Debt |
1 |
|
Defining Morality |
1 |
|
Staying on the Path |
1 |
|
What Are Moral Obligations? |
2 |
|
Legal Issues |
3 |
|
Legal Obligation |
4 |
|
Professional Ethics |
5 |
|
State-Mandated Ethics |
6 |
|
Principles Versus Rules |
7 |
|
Meeting Educational Requirements |
8 |
|
Preventing Public Harm |
10 |
|
Integrity |
11 |
|
Objectivity |
11 |
|
Competence |
11 |
|
Example |
12 |
|
Fairness |
13 |
|
Confidentiality |
13 |
|
Professionalism |
13 |
|
Diligence |
13 |
|
Misrepresentation and Misconduct |
13 |
|
The Fiduciary Duty of an Insurance Agent |
14 |
|
Legal Foundations of Fiduciary Duty in Insurance |
14 |
|
Key Elements of an Insurance Agent’s Fiduciary Duty |
14 |
|
Loyalty |
14 |
|
Disclosure |
15 |
|
Diligence and Competence |
15 |
|
Confidentiality |
15 |
|
Proper Handling of Funds |
15 |
|
Avoiding Conflicts of Interest |
15 |
|
Key Elements from IAIS Guidance |
15 |
|
Fiduciary Duty in Practice |
16 |
|
Fiduciary Duties and Ethical Standards |
16 |
|
Fiduciary Duty in the Age of Technology |
17 |
|
Ethics & Risk Control |
17 |
|
Agent Liability |
18 |
|
Company Insolvencies |
18 |
|
Third Party Liability |
18 |
|
Hidden Costs of Litigation |
19 |
|
Documenting Procedures for Self-Protection |
20 |
|
Imposed by Law: Promise of Good Faith |
21 |
|
Professionally Moral |
21 |
|
Morality Made Simple |
22 |
|
Honesty – A Moral & Legal Obligation |
22 |
|
Policy Replacement |
23 |
|
Gallup Survey |
24 |
|
Corporate Ethics |
26 |
|
Conducting Business – A Moral Concern |
27 |
|
Enron Relied on Appropriate Accounting |
28 |
|
A Personal Choice |
29 |
|
The Exceptional Man |
30 |
|
“My Dog Ate My Homework.” |
30 |
|
Taking the Moral Path |
31 |
|
Individual Moral Development |
32 |
|
Integrating Morality Into Our Lives |
33 |
|
Developing A Work Ethic |
33 |
|
Acting in the Best Interest of the Majority |
33 |
|
Expanding Our Moral View |
34 |
|
Acknowledging the Needs of Others |
34 |
|
Listening Our Way to Success |
35 |
|
Fulfilling Our Obligation to the Client |
36 |
|
Making Our Own Moral Choices |
36 |
|
Progressively Moral |
37 |
|
Can You Teach An Old Dog New Tricks? |
38 |
|
Philosophic Morality |
39 |
|
Policy Presentations |
40 |
|
Insurance Applications |
40 |
|
Representing the Companies With Honesty |
42 |
|
The First Step is Awareness |
42 |
|
Comparing Company Practices |
42 |
|
Comparing Losses and Gains |
43 |
|
Public Trust |
43 |
|
Know the Products |
43 |
|
Acknowledging Our Moral Obligations |
44 |
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