Ethics
Insurance Ethics for Texas Producers
Twisting, rebating, misrepresentation, fiduciary premiums, suitability, and fair claims — the conduct answers examiners want.
If an answer choice maximizes commission while hiding costs, it is almost never correct on a licensing exam. Ethics items reward disclosure, suitability, and fiduciary care of premiums.
Twisting is deceptive replacement. Churning is replacement theatre for commissions. Sliding adds coverages without informed consent. Rebating uses improper inducements outside the filed contract.
Never coach applicants to omit medical history. Never forge signatures. Never invent claim facts. Privacy duties cover nonpublic personal information.
After licensing, CE ethics hours exist because market-conduct failures harm real people — and draw TDI attention. Build the habit now while you still have practice-mode feedback.