An agent meets a new client who is a high-income earner and immediately recommends a high-premium universal life policy, emphasizing its investment components. The agent does not ask about the client's debts, existing assets, or specific financial goals for their dependents. Which fundamental ethical obligation has the agent most clearly neglected?
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A
Client confidentiality
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B
Conducting a needs-based analysis
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C
Reporting a suspicious transaction
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D
Avoiding tied selling