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Ethical Practice Standards for Today's Producer

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Because of her belief, the majority of her insurance recommendations involve whole life insurance. Which of the following disclosures is she ethically required to make when recommending whole life insurance?

$($Search Chapter $5).$

a$.$ that the FTC had issued a report indicating that whole life insurance was not a good investment

b$.$ that a whole life insurance policy involves initially higher fixed, regular premiums than a comparable amount of term life insurance issued at the same age to the client

c$.$ that she normally receives a larger amount of compensation on her sale of whole life insurance when compared with term life insurance $q,$ d$.$ that whole life insurance involves a surrender charge