Code of Ethics and By-laws

HOLD the selling of Health Insurance as a profession
and a public trust and do all in my power to maintain its prestige.

KEEP the needs of my prospects and their families paramount.

RESPECT my client’s trust in me, and never do anything which
would betray that trust or confidence.

GIVE all service possible when service is needed.

PRESENT policies factually and accurately — providing all
information to my clients which may be essential to their best

USE no advertising which may false or misleading.

EXERCISE diligence in securing and submitting all information
necessary for the issuance of sound insurance coverage to the
public I serve.

CONSIDER the sale of Health Insurance as a career, know and
abide by the insurance laws of my state, and seek constantly
through study to increase my knowledge and improve my ability
to serve the insuring public.

BE fair and just to my competitors, and engage in no practice which
might reflect unfavorably on myself or my industry.

TREAT prospects, clients, and companies fairly by submitting
applications which give all information pertinent to the underwriting
of a policy.

BE loyal to my associates, my fellow agents and the company or
companies I represent.