Moral Obligations

Table of Contents

 

Our Debt

1

Defining Morality

1

Staying on the Path

1

What Are Moral Obligations?

2

Legal Issues

3

  Legal Obligation

4

Professional Ethics

5

State Mandated Ethics

6

    Principles Versus Rules

7

Meeting Educational Requirements

8

Preventing Public Harm       

10

    Integrity

10

    Objectivity

11

    Competence

11

      Example

12

    Fairness

13

    Confidentiality

13

    Professionalism

13

    Diligence

13

    CFP Case Law

14

        Falsely Stating Education

14

        Churning Policies

14

        Inappropriate Sale

15

        Conflict of Interest

15

Express and Ostensible Authority

15

    Where Your Allegiance is Legally based

15

Ethics & Risk Control

16

Agent Liability

17

    Company Insolvencies

17

    Third Party Liability

18

    Hidden Costs of Litigation

18

    Documenting Procedures for Self-Protection

18

    Imposed by Law: Promise of Good Faith

19

Professionally Moral

19

Morality Made Simple

20

    Honesty – A Moral & Legal Obligation

20

    Policy Replacement

21

      Gallup Survey

22

Corporate Ethics

24

Conducting Business – A Moral Concern

25

Enron Relied on Appropriate Accounting

26

A Personal Choice

27

The Exceptional Man

28

“My Dog Ate My Homework.”

28

Taking the Moral Path

29

Understanding Our Moral Origins

30

Individual Moral Development

30

Integrating Morality Into Our Lives

31

    Developing A Work Ethic

31

Acting in the Best Interest of the Majority

32

Expanding Our Moral View

32

Acknowledging the Needs of Others

33

Listening Our Way to Success

33

Fulfilling Our Obligation to the Client

34

Making Our Own Moral Choices

34

Progressively Moral

35

Can You Teach An Old Dog New Tricks?

36

Philosophic Morality

37

Policy Presentations

38

Insurance Applications

38

Representing the Companies With Honesty

40

The First Step is Awareness

40

    Comparing Company Practices

40

    Comparing Losses and Gains

41

    Public Trust

41

    Know the Products

41

    Who Owns the Company?

41

Acknowledging Our Moral Obligations

42

 

 

United Insurance Educators, Inc.

 

(253) 846-1155

 

mail@uiece.com