Code of Ethics

• To hold the selling, service and distribution of disability insurance and health insurance plans as a professional and a public trust and to do all in my power to maintain its prestige.

• To keep paramount the needs of those whom I serve.

• To respect my clients' trust in me, and to never do anything which would betray their trust or confidence.

• To present policies factually and accurately, providing all information necessary for the issuance of sound insurance coverage to the public I serve.

• To use no advertising which may be false or misleading.

• To consider the sale of disability income and health insurance plans as a career, to know and abide by the insurance laws of my state, and to seek to constantly increase my knowledge and improve my ability to meet the needs of my clients.

• To use no advertising which I know may be false or misleading.

• To consider the sale, service and administration of health insurance and related products and services as a career, to know and abide by the laws of any jurisdiction Federal and State in which I practice and seek constantly to increase my knowledge and improve my ability to meet the needs of my clients.

• To be fair to my competitors, and to engage in no practices which may reflect unfavorably on myself or my industry.

• To treat prospects, clients and companies fairly by submitting applications which reveal all available information pertinent to underwriting a policy.

• To be loyal to my clients, associates, fellow agents and brokers, and the company or companies whose products I represent.