Case study: Julie and Richard Davis had just had their first child. Becoming parents had them thinking about how they would cope in the event that one partner became ill, was disabled, or worse, died. Julie was on maternity leave but planned to return to work, Richard worked a four day week. Friends told them they should look at incorporating life insurance as part of their superannuation, but they werent really sure. They decided to play it safe and seek advice. Richard and Julie saw Bethany Green, a risk adviser who worked alone, but was licenced by a large, well-known insurance group. The strong brand behind Bethany gave Richard and Julie comfort that theyd receive the right advice. Bethany told Julie that because she was on maternity leave, insurance in superannuation wasnt an option for her. She convinced the pair it was much better to pay for insurance separately as they could be more specific about their requirements. As she said, they were parents now and had to plan for every eventuality. Although they did not have to pay Bethany for her advice upfront and trail commission took care of that the cost of insurance was significantly higher than they had budgeted for and they found it challenging to manage on one salary. Thirteen months after they had initiated the policy, Bethany got in touch and told them about a new policy that provided better coverage than they had. She convinced them they should change policies. She did not mention the new upfront commission she would receive. The following year they added a second child to their policy, and Bethany used this to suggest yet another change.

Question: Which of the FASEA standards has Bethany breached?