Which action is typically deemed unethical for an insurance agent?

The action deemed unethical for an insurance agent involves always representing the insured. While an agent should certainly advocate for their clients, their primary responsibility is to the insurance company they represent. This means agents must balance the needs and wants of their clients with the policies, procedures, and guidelines established by the insurer. An agent who exclusively prioritizes the insured's interests may not fulfill their obligations to the insurer, which can lead to ethical conflicts and potential misconduct.

On the other hand, keeping customers' best interests in mind and working within the conditions of their contracts are both fundamental aspects of ethical practice in insurance. Agents are expected to find suitable products for their clients while ensuring that they adhere to legal and contractual guidelines. Representing the insurer, not the insured, aligns with the agent's role in promoting and selling insurance products on behalf of the company, which is a legitimate part of their duty. Balancing both responsibilities is key to maintaining ethical standards in the insurance profession.