Which of the following actions would likely result in disciplinary action against an insurance agent?

Failing to provide proper disclosures is a fundamental issue in the insurance industry and can lead to disciplinary action against an insurance agent. Disclosures are critical as they ensure that clients have all the necessary information to make informed decisions about their insurance coverage. When agents neglect this responsibility, it not only undermines trust but also may violate regulatory requirements aimed at protecting consumers. In many jurisdictions, including Colorado, regulatory bodies expect transparency in all aspects of the insurance transaction. Therefore, failing to provide proper disclosures can result in penalties, license suspension, or other disciplinary actions due to the breach of ethical and legal standards.

In contrast, attending industry seminars, helping clients compare policies, and offering discounts for referrals are generally accepted practices that enhance an agent's knowledge, service to clients, and business growth, provided they comply with industry regulations.