Montana State Life Insurance Exam 2025 – 400 Free Practice Questions to Pass the Exam

An insurance consultant is expected to provide objective, unbiased advice to clients regarding insurance matters. Recommending insurance based on personal interests compromises the integrity of the consultancy relationship and could lead to conflicts of interest. Consultants must prioritize their clients' needs and choices instead of being influenced by personal gain or relationships with specific insurance companies. This ensures clients receive the best recommendations suited to their circumstances rather than suggestions tailored to benefit the consultant themselves.

Negotiating contracts, adjusting claims, or advising on insurance policies are typically within the scope of activities that an insurance consultant may engage in, provided they act in the best interest of their clients. Thus, personal interest when making recommendations is something that is categorically prohibited to maintain trust and ethical standards in the industry.