Four major areas of unethical behaviour are

A. Misrepresentation

B. Illustrations without giving both optimistic and conservative estimation of returns

C. Replacement of an existing policy by a fresh policy without any specific need

D. All of the above

Answer: Option D

Solution(By Examveda Team)

Four major areas of unethical behaviour are Misrepresentation, Illustrations without giving both optimistic and conservative estimation of returns and Replacement of an existing policy by a fresh policy without any specific need.