Certain principles support and inspire the ethical code to which professional insurance producers should adhere. This course offers an overview of those principles and provides a practical, hands-on guide to the ethical standards that producers can apply to their day-to-day professional activities. Using the steps in the insurance sales process-from prospecting, to needs analysis, to product recommendations-this course examines the ethical requirements that apply to the solicitation and placement of insurance policies and contracts.

• identify the ethical principles on which a producer's professional services should be based
• demonstrate an understanding of how to approach clients, present product solutions, and provide follow-up service in a suitable, ethical manner
• describe the acts producers should avoid and the disclosures they should make to clients in each step of the insurance and financial services sales process
• identify the ethical concerns related to the use of social media in the insurance sales process
• explain the meaning of suitability as well as cite the client and product factors that must be considered in a suitability analysis

Life and health insurance producers and finance professionals