Misrepresentation
Illustrations without giving both optimistic and conservative estimation of returns
Replacement of an existing policy by a fresh policy without any specific need
All of the above
✅ The correct answer is D.
Four major areas of unethical behaviour are Misrepresentation, Illustrations without giving both optimistic and conservative estimation of returns and Replacement of an existing policy by a fresh policy without any specific need.
Four major areas of unethical behaviour are Misrepresentation, Illustrations without giving both optimistic and conservative estimation of returns and Replacement of an existing policy by a fresh policy without any specific need.