Producers are not required to compel clients to purchase complete insurance protection, but they need to explain policy options that are

reasonably priced and widely available for the policy suggested.

Explanation:

Ethics are sets of values, and rules that guide the way we conduct our activities on a daily basis. One side of these ethics talks about the things we should avoid as humans which include lies and cheating, while the other side talks about the things we need to do.

Certain ethical values, which forms part of the responsibilities of a sales agent and what they owe their clients include; avoiding every cases that brings up conflicts of interest and they must bring to bare, all material information their clients need to know.

In order for the agents to be able to disclose the material information as required, they must have good product knowledge and know the differences in the array of products they are selling. They must also be able to explain the policy options that are reasonably priced and widely available for the policy suggested.