Ethics cut both ways. That means violations aren't always fueled by nefarious intentions.
Sometimes its laziness, sometimes carelessness and sometimes it stems from an effort to help. An anecdote from the P&C side of the business illustrates our point. While circumstances may differ, the outcome for your life, health and annuity lines could be the exact same.
Case in point: A long-time friend of the agent in question inherited his parents' house and had trouble with insurance due to an environmental issue. It might have been a detached oil storage tank or lead paint on its walls or some other issue—the agent wouldn't say. What he did say is that when he asked his friend if the home had the particular environmental issue, his friend said no, and even indicted as much on the application.
After he left the agent's office one of the CSRs noticed the application wasn't signed. She called the friend to inform him of the "oversight." He then asked her to sign if for him.
