Jillian is a life insurance producer who has recommended replacement to a client. She knows replacement is not illegal, but she also knows that such a recommendation is not always in the best interest of the policyowner. Her coworker questions her activities, but Jillian is satisfied that her recommendation is

A$)$ in compliance with all state regulations for legality and in the policyowner's best interest

B$)$ ethical because her actions were not illegal

C$)$ appropriate because she earned a high commission on the replacement

D$)$ ethical because she completed a Replacement Questionnaire