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Free course template · US federal

Producer ethics: Replacement, twisting, churning, rebating and commission disclosure

A ready-made course, live deck and two surveys for licensed agents and brokers. AhaSlides tracks progress, completion and scores for you. 40 minutes, 6 lessons. Last reviewed 28 October 2026; not legal advice.

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Course outline at a glance

  • An agent, Chris, tells a client to drop a ten-year-old life policy for a "better" new one, without mentioning the new contestability period or that the commission is larger
  • What's wrong here?
  • Checklist
  • Quiz

  • Definitions
  • Terms
  • Accordion
  • Flashcards
  • Matching quiz

  • Six steps
  • Replacement checklist
  • Process
  • Checklist
  • Quiz
  • Multi-select quiz

  • Back to Chris
  • A thank-you gift
  • Ethical or not
  • Scenario
  • Sorting activity
  • Matching quiz

  • Reporting misconduct
  • The top seller
  • Process
  • Scenario
  • Quiz

  • Your next steps
  • Process
  • Quiz

Try some questions from the course

Question 1 of 3

What was the main problem with Chris's advice?

 

Chris left out drawbacks that mattered to Mina's decision. More cover is not a fault in itself, and Mina's good payment record is a reason to be careful, not a reason to switch. A fair recommendation names the costs, the lost benefits and the conflict of interest.

Lesson 1, The "better" policy, teaches this. See the outline

Question 2 of 3

Which step comes first in a replacement?

 

Start by asking whether a policy is being replaced. Everything else, the notice, the comparison and the record, depends on knowing that it is one.

Lesson 3, Doing a replacement right, teaches this. See the outline

Question 3 of 3

You see a colleague's clients replacing policies every year. What is the best first action?

 

Report it through the reporting route. You do not need proof: a pattern is enough to raise, and compliance can look at the facts. Copying, warning or ignoring leave clients at risk.

Lesson 5, Speak up and apply, teaches this. See the outline

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Learners earn a certificate

Your organisation

Certificate of completion

This certifies that

Alex Morgan

has completed

Producer ethics: Replacement, twisting, churning, rebating and commission disclosure

Completed on12 October 2026
Sample certificate with a placeholder learner name.

Style 1 of 6: Teal humanist

Everyone who finishes gets a certificate with their name, the course title and the completion date. Add your own logo, colours and signer.

Three pieces that work together

Learners prepare on their own, you answer questions live, and the surveys tell you what stuck. 9 fields to fill in with your own policy, contacts and locations; each one is highlighted inside the course.

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Completion is tracked for you

Learners sign in to take the course, so every start, finish and score is recorded in AhaSlides. No spreadsheet to keep.

  • Who has finished

    See who has not started, who is in progress and who has completed the course.

  • Every score

    Each learner's answers to the quizzes and activities in the course.

  • What landed

    Survey results show what people took away, and the 30-day check-in shows whether they use it.

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6 lessons, about 40 minutes

What learners can do at the end of each lesson. Minutes are an estimate.

  • Lesson 1: The "better" policy · 7 min

    Before you begin · An agent, Chris, tells a client to drop a ten-year-old life policy for a "better" new one, without mentioning the new contestability period or that the commission is larger · What's wrong here?

  • Lesson 2: The misconduct in brief · 7 min

    Definitions · Terms · Check

  • Lesson 3: Doing a replacement right · 7 min

    Six steps · Replacement checklist · Check

  • Lesson 4: Grey areas · 7 min

    Back to Chris · A thank-you gift · Ethical or not

  • Lesson 5: Speak up and apply · 7 min

    Reporting misconduct · The top seller · Check

  • Lesson 6: Final assessment and completion · 5 min

    Your next steps · Practice

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Often taught together

Courses teams often run alongside this one.

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Common questions

Yes. The course, the live deck and both surveys are free. Claiming the template into your AhaSlides account is free too.

Yes. The course is self-paced and online, and the live deck lets you add a live session in the room or online.

Yearly or on your state's ethics CE cycle , and at onboarding.

Licensed agents and brokers in any line, and the sales managers who supervise them; run by the compliance or sales training lead.

Record completion in your own LMS or record system, so you can show who finished the course and when.

Yes, everything. Change the wording, swap scenarios for ones from your workplace, add your logo, or remove parts that don't apply.

Your own details, each highlighted inside the course:
  • Compliance contact
  • Compliance policy link
  • Reporting route
  • Licensing or ce contact
  • Jurisdiction rules link
  • LMS or record system
  • Course URL
Then edit anything else you like: wording, scenarios, your logo.
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Free. Copy the course, live deck and both surveys into your AhaSlides account in one click.

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