NAIFA Cleveland Code of Ethics

Preamble
Those engaged in life underwriting occupy the unique position of liaison between the purchasers and the suppliers of life and health insurance and closely related financial products.  Inherent in this role is the combination of professional duty to the client and to the company, as well.  Ethical balance is required to avoid any conflict between these two obligations.  I Believe I To Be My Responsibility:

• To hold my profession in high esteem and strive to enhance its prestige
• To fulfill the needs of my clients to the best of my ability
• To maintain my clients’ confidences
• To render exemplary service to my clients and their beneficiaries
• To adhere to professional standards of conduct in helping my clients to protect insurable obligations and attain their financial security objectives
• To present accurately and honestly all facts essential to my clients’ decisions
• To perfect my skills and increase my knowledge through continuing education
• To conduct my business in such a way that my example might help raise the professional standards of life underwriting
• To keep informed with respect to applicable laws and regulations and to observe them in the practice of my profession
• To cooperate with others whose services are constructively related to meeting the needs of my clients