P-C agents entering the life business must be aware that, more than ever before, they have an obligation to act prudently and ethically, for the benefit of their customers and for their own sakes. As a result, they sell unsuitable policies that don't provide the security sought. Agents are not properly identifying themselves or their products. Sometimes they misrepresent their policies as college or retirement savings plans. The LUTC says they do these things because they are afraid they will not get the interview with the client or make the sale.
Agents fail to deal objectively with clients.
In a careless or hard-driving sales office, the ethics policy can quickly turn from gray areas to wrongful actions.