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Ethical Practice Standards for Today's Producer

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$16.$ Edna, an insurance producer, routinely asks her new clients to write testimonial letters describing their experience in working with her. In return for the letters, she agrees to give the letter writers $5$ percent of the commission she receives on each sale influenced by their letter. What must she disclose, if anything, to the prospective clients to whom she gives the testimonial letter?

$($Search Chapter $3)$

a$.$ nothing

b$.$ that the testimonial letter writertreceives compensation in the event of a sale

c$.$ that the testimonial letter writer is actually her client

d$.$ the nature of the product purchased by the testimonial letter writer