A client asks you about how you get paid regarding insurance recommendations: Are you in any way biased when you give us insurance advice? Which of the following would be an appropriate answer?

Question 7Select one:

a. Even though I get paid insurance commissions, all comprehensive insurance providers pay the same commission structures. Therefore I or my company are not biased in any way.

b. My company gets paid insurance commissions, but that only because my employer mandates it, and its only my employer who benefits from the commissions. I always put your best interests first and dont let commissions affect my recommendations.

c. My recommendations are not affected by what I get paid. Insurance commissions are still legal and are a standard in our industry. You have my word that I will always do what is best for you.

d. Many top tier insurance companies offer me a commission payment if you take up insurance with them. This does present some conflict regarding my advice to you. However, as per my obligations, I disclose the commissions I would receive so that you can decide for yourself if my advice is right for you before agreeing to go ahead.