In what product should agents enroll consumers?

• A. A product that is suitable for the consumer's needs, goals and financial resources.
• B. The product with the highest commission.
• C. The product that is easiest to sell.
• D. The product with the most advertising.

Answer: (A)

Suitability is the guiding principle: agents must enroll consumers in a product that fits their individual situation. This means considering the consumer’s healthcare needs and drug coverage, preferred doctors and pharmacies, anticipated services, and their ability to pay premiums, deductibles, and other costs. A product chosen solely because it offers the highest commission, is the easiest to sell, or is heavily advertised can ignore these important factors and result in coverage that doesn’t meet the consumer’s needs or budget. The best choice is the product that aligns with the consumer’s needs, goals, and financial resources.