Donald is happy with his agent's ability to meet his insurance needs but would not have agreed to meet with her if she had stated initially that she was a life insurance agent. Instead, the agent avoided providing any information that would identify her as an agent. Is the agent's approach ethical?

a$.$ Yes, it simply helps to overcome an unreasonable dislike of insurance products.

b$.$ No$,$ the agent avoided providing important and material information about her role.

c$.$ Yes, since Donald's financial problems have been resolved as a result of the agent's actions, those actions are ethical.

d$.$ Yes, but only if the agent's recommendations were suitable.

Alan's client realizes he needs additional life insurance protection and has decided to purchase another policy. His client wants to be able to vary premium payments as his cash flow changes and have a guarantee that interest of at least a minimum rate will be credited to cash value. Which of the following recommendations is likely to be the most suitable?

a$.$ renewable and convertible term life insurance

b$.$ level term life insurance

c$.$ whole life insurance

d$.$ indexed universal life insurance