National Association Of Health Underwriters (NAHU) –

NAHU’s Code of Ethics is the foundation of our practice.

• To hold the selling, service and administration of health insurance and related products and services as a professional and public trust and do all in my power to maintain its prestige.
• To keep paramount the needs of those whom I serve.
• To respect my clients’ trust in me, and to never do anything which would betray their trust or confidence.
• To give all service possible when service is needed.
• To present policies factually and accurately, providing all information necessary for the issuance of sound insurance coverage to the public I serve.
• To use no advertising which I know may be false or misleading.
• To consider the sale, service and administration of health insurance and related products and services as a career, to know and abide by the laws of any jurisdiction Federal and State in which I practice and seek constantly to increase my knowledge and improve my ability to meet the needs of my clients.
• To be fair and just to my competitors, and to engage in no practices which may reflect unfavorably on myself or my industry.
• To treat prospects, clients and companies fairly by submitting applications which reveal all available information pertinent to underwriting a policy.

To extend honest and professional conduct to my clients, associates, fellow agents and brokers, and the company or companies whose products I represent.

We are also proud members of:

The National Association of Insurance and Financial Advisors (NAIFA)

A national nonprofit organization representing the interests of more than 70,000 insurance and financial advisors nationwide, through its federation of over 900 state and local associations. Founded in 1890, NAIFA is the nation’s largest financial services membership association.

NAIFA’s code of ethics – Preamble – Those engaged in offering insurance and other related financial services occupy the unique position of liaison between the purchasers and the suppliers of 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.

Therefore, I Believe It 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 those in my profession.
• 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.

We are also proud members of:

S.H.R.M.

Society for Human Resource Management (SHRM)

SHRM Code of Ethical and Professional Standards in Human Resource Management

PROFESSIONAL RESPONSIBILITY

Core Principle

As HR professionals, we are responsible for adding value to the organizations we serve and contributing to the ethical success of those organizations. We accept professional responsibility for our individual decisions and actions. We are also advocates for the profession by engaging in activities that enhance its credibility and value. Intent

• To build respect, credibility and strategic importance for the HR profession within our organizations, the business community, and the communities in which we work.
• To assist the organizations we serve in achieving their objectives and goals.
• To inform and educate current and future practitioners, the organizations we serve, and the general public about principles and practices that help the profession.
• To positively influence workplace and recruitment practices.
• To encourage professional decision-making and responsibility.
• To encourage social responsibility.

Guidelines

• Adhere to the highest standards of ethical and professional behavior.
• Measure the effectiveness of HR in contributing to or achieving organizational goals.
• Comply with the law.
• Work consistent with the values of the profession.
• Strive to achieve the highest levels of service, performance and social responsibility.
• Advocate for the appropriate use and appreciation of human beings as employees.
• Advocate openly and within the established forums for debate in order to influence decision-making and results.