Karen (principal) hires John (agent) to be her financial planner. John recommends that Karen purchase a life insurance policy because he honestly believes that her family will benefit from it. He recommends a policy from UNeed Insurance because he will receive an undisclosed commission from the company if Karen purchases it.

Is John in breach of his duty to Karen?

• Yes, because he is failing in his duty to give information.
• No, because he is performing his duty to obey.
• No, because he is fulfilling his fiduciary duty.
• Yes, because he is "self-dealing."