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<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0><tr> <td valign="top" colspan=2 height=90 BGCOLOR="#006699" TEXT="#080000" bgproperties="fixed" background="122285a1erlcgo.gif"> <div> <FONT SIZE="5" COLOR="#FFCC66" FACE="Arial" ><B>Florida Agent Ethics</B></FONT><B>     |     </B><A HREF="index.htm" TARGET="_top" TITLE="Florida Agent Ethics"><U><B>home</B></U></A><B>            </B><B>TABLE OF CONTENTS</B>   |   <A HREF="id55.htm" TARGET="_top" TITLE="FINAL EXAMINATION"><U>FINAL EXAMINATION</U></A></div> <div> <B>TABLE OF CONTENTS</B>   |   <A HREF="id55.htm" TARGET="_top" TITLE="FINAL EXAMINATION"><U>FINAL EXAMINATION</U></A></div> <div> </div> </td> </tr><tr> <td valign="top" width=210 BGCOLOR="#FFCC66" TEXT="#080000" background="121d2c00dkelyh.gif"> <div> <A HREF="mailto:instructor@wallstreetinstructors.com" TARGET="_top" TITLE="mailto:instructor@wallstreetinstructors."><U><IMG SRC="12caf630.gif" border=0 width="175" height="99" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></U></A></div> <div> <I><B>You can contact an instructor by clicking the Wall Street Instructors logo on any page.</B></I><FONT SIZE="3" COLOR="#003399" FACE="Arial" > </FONT></div> <bR> <div> Copyright ©2007 Wall Street Instructors, Inc. All rights reserved. No portion of this publication may be reproduced, stored in a retrieval system, or transmitted in any form by any means electronic, mechanical, photocopying, recording or otherwise without prior written permission of Wall Street Instructors, Inc.</div> <bR> </td> <td valign="top" height=390 BGCOLOR="#FFFFFF" TEXT="#080000"> <div> <I>TABLE OF CONTENTS</I></div> <div> The study materials for this course are available on-line. To begin the interactive version, click a chapter link in the Table of Contents. You may study the material in any order you wish -- but<I><B>  we recommend following the NEXT link found on each page</B></I>. If you use the NEXT links, you will be sure you have studied all of the material. </div> <bR> <DIV ALIGN="LEFT"></DIV> <div> to begin the online study program click here...... </div> <bR> <div> <TABLE BORDER="2" CELLPADDING="1" CELLSPACING="1" WIDTH="97" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" ALIGN="BOTTOM" HSPACE="0" VSPACE="0" BGCOLOR=#FFCC66 > <tR> <tD VALIGN=CENTER HEIGHT= 38 WIDTH="87"><div> <A HREF="id3.htm" TARGET="_top" TITLE="Chapter 1"><U><B><U>NEXT</U></B></U></A></div> </tD> </tR> </TABLE></div> <bR> <bR> <div> Print versions of the chapters are available. If you choose to study using the print version, be sure to complete the Chapter Reviews on-line before taking the final exam.</div> <bR> <bR> <div> <TABLE BORDER="1" CELLPADDING="2" CELLSPACING="1" WIDTH="770" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="NONE" ALIGN="BOTTOM" HSPACE="0" VSPACE="0" BGCOLOR=#006699 > <tR> <tD VALIGN=TOP COLSPAN=7 HEIGHT= 36 WIDTH="736"><div> <B>TABLE OF CONTENTS</B></div> </tD> </tR> <tR> <tD VALIGN=TOP BGCOLOR=#006699 HEIGHT= 33 WIDTH="67"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="33" ALIGN="bottom" WIDTH="67" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="140"><div> <B>ONLINE STUDY MATERIAL</B></div> </tD> <tD VALIGN=TOP WIDTH="140"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="33" ALIGN="bottom" WIDTH="140" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="144"><div> <B>ONLINE REVIEW QUESTIONS</B></div> </tD> <tD VALIGN=TOP WIDTH="71"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="33" ALIGN="bottom" WIDTH="71" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP><NOBR><div> <B>PRINT VERSION</B></div> </NOBR></tD> <tD VALIGN=TOP WIDTH="40"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="33" ALIGN="bottom" WIDTH="40" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP BGCOLOR=#006699 HEIGHT= 16 WIDTH="67"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="16" ALIGN="bottom" WIDTH="67" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="140"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="16" ALIGN="bottom" WIDTH="140" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="140"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="16" ALIGN="bottom" WIDTH="140" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="144"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="16" ALIGN="bottom" WIDTH="144" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="71"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="16" ALIGN="bottom" WIDTH="71" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="128"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="16" ALIGN="bottom" WIDTH="128" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="40"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="16" ALIGN="bottom" WIDTH="40" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP BGCOLOR=#006699 HEIGHT= 49 WIDTH="67"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="49" ALIGN="bottom" WIDTH="67" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=CENTER BGCOLOR=#FFCC66 WIDTH="140"><div> <A HREF="id3.htm" TARGET="_top" TITLE="Chapter 1"><U>Chapter 1</U></A></div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFCC66 WIDTH="140"><div> <B> Insurance Regulations & Compliance</B></div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFCC66 WIDTH="144"><div> <A HREF="id23.htm" TARGET="_top" TITLE="Chapter 1 Review Questions"><U>Chapter 1</U></A></div> </tD> <tD VALIGN=CENTER WIDTH="71"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="49" ALIGN="bottom" WIDTH="71" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=CENTER BGCOLOR=#FFCC66 WIDTH="128"><div> <A HREF="id60.htm" TARGET="_top" TITLE="Chapter 1"><U>Chapter 1</U></A></div> </tD> <tD VALIGN=TOP WIDTH="40"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="49" ALIGN="bottom" WIDTH="40" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP BGCOLOR=#006699 HEIGHT= 33 WIDTH="67"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="33" ALIGN="bottom" WIDTH="67" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=CENTER BGCOLOR=#FFCC66 WIDTH="140"><div> <A HREF="id66.htm" TARGET="_top" TITLE="Chapter 2 "><U>Chapter 2</U></A></div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFCC66 WIDTH="140"><div> <B>Unauthorized Insurance Entities</B></div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFCC66 WIDTH="144"><div> <A HREF="id72.htm" TARGET="_top" TITLE="Chapter 2 Review Questions"><U>Chapter 2</U></A></div> </tD> <tD VALIGN=CENTER WIDTH="71"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="33" ALIGN="bottom" WIDTH="71" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=CENTER BGCOLOR=#FFCC66 WIDTH="128"><div> <A HREF="id73.htm" TARGET="_top" TITLE="Chapter 2"><U>Chapter 2</U></A></div> </tD> <tD VALIGN=TOP WIDTH="40"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="33" ALIGN="bottom" WIDTH="40" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP BGCOLOR=#006699 HEIGHT= 16 WIDTH="67"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="16" ALIGN="bottom" WIDTH="67" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=CENTER BGCOLOR=#FFCC66 WIDTH="140"><div> <A HREF="id2.htm" TARGET="_top" TITLE="Chapter 3 "><U>Chapter 3</U></A></div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFCC66 WIDTH="140"><div> <B>Nature of Ethics</B></div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFCC66 WIDTH="144"><div> <A HREF="id20.htm" TARGET="_top" TITLE="Chapter 3 Review Questions"><U>Chapter 3</U></A></div> </tD> <tD VALIGN=CENTER WIDTH="71"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="16" ALIGN="bottom" WIDTH="71" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=CENTER BGCOLOR=#FFCC66 WIDTH="128"><div> <A HREF="id59.htm" TARGET="_top" TITLE="Chapter 3"><U>Chapter 3</U></A></div> </tD> <tD VALIGN=TOP WIDTH="40"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="16" ALIGN="bottom" WIDTH="40" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP BGCOLOR=#006699 HEIGHT= 33 WIDTH="67"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="33" ALIGN="bottom" WIDTH="67" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=CENTER BGCOLOR=#FFCC66 WIDTH="140"><div> <A HREF="id5.htm" TARGET="_top" TITLE="Chapter 4 "><U>Chapter 4</U></A></div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFCC66 WIDTH="140"><div> <B>Ethical Use of Sales Tools</B></div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFCC66 WIDTH="144"><div> <A HREF="id29.htm" TARGET="_top" TITLE="Chapter 4 Review Questions"><U>Chapter 4</U></A></div> </tD> <tD VALIGN=CENTER WIDTH="71"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="33" ALIGN="bottom" WIDTH="71" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=CENTER BGCOLOR=#FFCC66 WIDTH="128"><div> <A HREF="id61.htm" TARGET="_top" TITLE="Chapter 4"><U>Chapter 4</U></A></div> </tD> <tD VALIGN=TOP WIDTH="40"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="33" ALIGN="bottom" WIDTH="40" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP BGCOLOR=#006699 HEIGHT= 33 WIDTH="67"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="33" ALIGN="bottom" WIDTH="67" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=CENTER BGCOLOR=#FFCC66 WIDTH="140"><div> <A HREF="id6.htm" TARGET="_top" TITLE="Chapter 5 "><U>Chapter 5</U></A></div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFCC66 WIDTH="140"><div> <B>An Ethical Insurance Practice</B></div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFCC66 WIDTH="144"><div> <A HREF="id36.htm" TARGET="_top" TITLE="Chapter 5 Review Questions"><U>Chapter 5</U></A></div> </tD> <tD VALIGN=CENTER WIDTH="71"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="33" ALIGN="bottom" WIDTH="71" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=CENTER BGCOLOR=#FFCC66 WIDTH="128"><div> <A HREF="id62.htm" TARGET="_top" TITLE="Chapter 5"><U>Chapter 5</U></A></div> </tD> <tD VALIGN=TOP WIDTH="40"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="33" ALIGN="bottom" WIDTH="40" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP BGCOLOR=#006699 HEIGHT= 16 WIDTH="67"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="16" ALIGN="bottom" WIDTH="67" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=CENTER BGCOLOR=#FFCC66 WIDTH="140"><div> <A HREF="id4.htm" TARGET="_top" TITLE="Chapter 6 "><U>Chapter 6</U></A></div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFCC66><NOBR><div> <B>Other Ethical Issues</B></div> </NOBR></tD> <tD VALIGN=CENTER BGCOLOR=#FFCC66 WIDTH="144"><div> <A HREF="id43.htm" TARGET="_top" TITLE="Chapter 6 Review Questions"><U>Chapter 6</U></A></div> </tD> <tD VALIGN=CENTER WIDTH="71"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="16" ALIGN="bottom" WIDTH="71" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=CENTER BGCOLOR=#FFCC66 WIDTH="128"><div> <A HREF="id63.htm" TARGET="_top" TITLE="Chapter 6"><U>Chapter 6</U></A></div> </tD> <tD VALIGN=TOP WIDTH="40"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="16" ALIGN="bottom" WIDTH="40" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP BGCOLOR=#006699 HEIGHT= 19 WIDTH="67"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="67" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="140"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="140" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="140"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="140" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="144"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="144" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="71"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="71" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="128"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="128" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="40"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="40" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP COLSPAN=7 BGCOLOR=#FFCC66 HEIGHT= 20 WIDTH="736"><div> <A HREF="id55.htm" TARGET="_top" TITLE="FINAL EXAMINATION"><U><B>FINAL EXAMINATION</B></U></A></div> </tD> </tR> </TABLE></div> <bR> <bR> <bR> <div> <A HREF="id3.htm" TARGET="_top" TITLE="Chapter 1"><U>Chapter 1</U></A>  <B> Insurance Regulations & Compliance</B></div> <bR> <div> <A HREF="id8.htm" TARGET="_top" TITLE="State Governments Role"><U>State Government's Role</U></A></div> <div> <A HREF="id10.htm" TARGET="_top" TITLE="Federal Governments Role"><U>Federal Government's Role</U></A></div> <div> <A HREF="id9.htm" TARGET="_top" TITLE="Common Law"><U>Common Law</U></A></div> <div> <A HREF="id21.htm" TARGET="_top" TITLE="Judicial Review"><U>Judicial Review</U></A></div> <div> <A HREF="id23.htm" TARGET="_top" TITLE="Chapter 1 Review Questions"><U>Chapter 1 Review Questions</U></A></div> <bR> <div> <A HREF="id66.htm" TARGET="_top" TITLE="Chapter 2 "><U>Chapter 2</U></A>  <B>Unauthorized Insurance Entities</B></div> <bR> <div> <A HREF="id67.htm" TARGET="_top" TITLE="Introduction to Unauthorized Entities"><U>Introduction to Unauthorized Entities</U></A></div> <div> <A HREF="id69.htm" TARGET="_top" TITLE="Recent Changes in Insurance Regulation"><U>Recent Changes in Insurance Regulation</U></A></div> <div> <A HREF="id70.htm" TARGET="_top" TITLE="Alphabet Soup of Regulations"><U>Alphabet Soup of Regulations</U></A></div> <div> <A HREF="id71.htm" TARGET="_top" TITLE="Penalties Enforcement Efforts"><U>Penalties & Enforcement Efforts</U></A></div> <div> <A HREF="id72.htm" TARGET="_top" TITLE="Chapter 2 Review Questions"><U>Chapter 2 Review Questions</U></A></div> <bR> <div> <A HREF="id2.htm" TARGET="_top" TITLE="Chapter 3 "><U>Chapter 3</U></A> <B> Nature of Ethics</B></div> <bR> <div> <A HREF="id17.htm" TARGET="_top" TITLE="What are Ethics?"><U>What are Ethics?</U></A></div> <div> <A HREF="id18.htm" TARGET="_top" TITLE="Ethics versus Compliance"><U>Ethics versus Compliance</U></A></div> <div> <A HREF="id19.htm" TARGET="_top" TITLE="Professionalism "><U>Professionalism </U></A></div> <div> <A HREF="id20.htm" TARGET="_top" TITLE="Chapter 3 Review Questions"><U>Chapter 3 Review Questions</U></A></div> <bR> <div> <A HREF="id5.htm" TARGET="_top" TITLE="Chapter 4 "><U>Chapter 4</U></A>  <B>Ethical Use of Sales Tools</B></div> <bR> <div> <A HREF="id25.htm" TARGET="_top" TITLE="Letterhead and Business Cards"><U>Letterhead and Business Cards</U></A></div> <div> <A HREF="id26.htm" TARGET="_top" TITLE="Advertising Direct Mail"><U>Advertising & Direct Mail</U></A></div> <div> <A HREF="id27.htm" TARGET="_top" TITLE="Personal Brochures"><U>Personal Brochures</U></A></div> <div> <A HREF="id28.htm" TARGET="_top" TITLE="Articles"><U>Articles</U></A></div> <div> <A HREF="id29.htm" TARGET="_top" TITLE="Chapter 4 Review Questions"><U>Chapter 4 Review Questions</U></A></div> <bR> <div> <A HREF="id6.htm" TARGET="_top" TITLE="Chapter 5 "><U>Chapter 5</U></A>  <B>An Ethical Insurance Practice</B></div> <bR> <div> <A HREF="id31.htm" TARGET="_top" TITLE="The Approach"><U>The Approach</U></A></div> <div> <A HREF="id32.htm" TARGET="_top" TITLE="Interviews"><U>Interviews</U></A></div> <div> <A HREF="id33.htm" TARGET="_top" TITLE="Recommendations"><U>Recommendations</U></A></div> <div> <A HREF="id34.htm" TARGET="_top" TITLE="Illustrations Exhibits"><U>Illustrations & Exhibits</U></A></div> <div> <A HREF="id35.htm" TARGET="_top" TITLE="Followthrough"><U>Follow-through</U></A></div> <div> <A HREF="id36.htm" TARGET="_top" TITLE="Chapter 5 Review Questions"><U>Chapter 5 Review Questions</U></A></div> <bR> <div> <A HREF="id4.htm" TARGET="_top" TITLE="Chapter 6 "><U>Chapter 6</U></A>  <B> Other Ethical Issues</B></div> <bR> <div> <A HREF="id38.htm" TARGET="_top" TITLE="Fiduciary Responsibility"><U>Fiduciary Responsibility</U></A></div> <div> <A HREF="id40.htm" TARGET="_top" TITLE="Replacement, Twisting and Churning"><U>Replacement, Twisting and Churning</U></A></div> <div> <A HREF="id39.htm" TARGET="_top" TITLE="Rebating Gifts"><U>Rebating & Gifts</U></A></div> <div> <A HREF="id41.htm" TARGET="_top" TITLE="Client Expectations"><U>Client Expectations</U></A></div> <div> <A HREF="id42.htm" TARGET="_top" TITLE="Misleading Terms"><U>Misleading Terms</U></A></div> <div> <A HREF="id43.htm" TARGET="_top" TITLE="Chapter 6 Review Questions"><U>Chapter 6 Review Questions</U></A></div> <bR> </td> </tr></table></body>