Sally is a life insurance producer who is meeting with John, a prospective client. John flies hobby aircraft in his spare time but explains that he's never crashed and it's really quite safe. Sally then tells John that the company she represents may exclude coverage if an insured dies from dangerous activities, including flying personal aircraft. She tells John that his hobby must be disclosed on the application but that he can purchase a rider to buy back the coverage. He decides not to purchase the rider since he's confident that nothing bad will happen. Which ethical principle do Sally's actions best illustrate?

$($Search Chapter $3)$

a$.$ fairness

b$.$ salesmanship

c$.$ confidentiality

d$.$ full disclosure