JR is a sales associate at Mapagmahal Insurance Company based in Naga City. The firm started twenty years ago in Naga City and had considerable success in capturing the Bicol region's market share.

JR is confronted with a dilemma of which product to offer to a young middle-class family for protection: a. Plan A - least protection to the head of the family in case of untimely death, and the savings part only earn between 1% to 3% and 3% to 5% to other insurance companies in the area. However, this product gets a lot of attention from sales associates because they get a 115% commission on the first annual premium payment. While Plan B provides better coverage and higher interest on the savings, sales associates will only get 38% commission on the first annual premium payment, which is very much lower than Plan A. However, the daughter of JR will be having her 18th birthday two days after the meeting, and she wants to have a party in a five-star hotel, which is not part of the family's regular budget. Tomorrow will be his meeting with Romulo, the head of the family and the decision-maker.

If you were JR, how would you present the two plans to Romulo? Which of the two plans will you push? Is there an ethical consideration in this case? Discuss your answers. In answering the questions, please apply at least two of the normative ethical theories that we have covered in justifying the decision of JR.