If you notice repeated misrepresentation by an agent across several accounts, who should you address this with?

• A. Do nothing; it's not your problem.
• B. Address the issue with the agent directly, the customer, and the insurance department; disclosing to carriers you represent is optional.
• C. Publish an industry notice about the agent.
• D. Only inform the customers who signed policies.

Answer: (B)

When you see repeated misrepresentation by an agent, the responsible steps involve addressing it through proper channels: talk with the agent to address and correct the behavior, inform the customers who were misled so they’re aware and protected, and report the issue to the insurance department for regulatory oversight and possible action. Disclosing the issue to carriers you represent is optional; it isn’t required, but follow your company policies and regulatory guidance. Doing nothing ignores the harm and responsibility, while publishing an industry notice or informing only the customers doesn’t properly address the agent’s behavior or regulatory concerns.