Q1. A Missouri insurance agent is offered a bonus by an insurer for steering clients to a particular policy, even if it is not the best fit. What does Missouri law say about this practice?

• ○It is unethical and prohibited under Missouri producer conduct rules.
• ○It is allowed as long as the client signs a waiver acknowledging the bonus.
• ○It is permitted if the policy meets minimum coverage requirements.
• ○It is acceptable if disclosed to the insurer but not to the client.