Ethics & the Client by Jody Broyles
Course Information
Course Title: "Ethics & the Client"
Course Number: OLT # INSCE009       DOI # 60889
Course Description:

3 hour Continuing Ed Course, Intermediate Level. This course is designed and delivered to comply with State requirements. Students can complete the course at their own time and pace via the Internet. The course comprises of Modules or Chapters and two Exams. The program will allow you to re-take a new exam only if you fail with a score of less than 70%. You must make a grade of 70% on each exam to pass and receive your Certificate of Completion. Your scores are graded online. OnLine Training will issue your Certificate of Completion.

This course on "Ethics & the Client" is a completely self-contained study which is to be completed entirely online. It contains four sections: Introduction to Ethics, Unauthorized Entities, Unfair Trade Practices, and Agent Behavior & Client Expectations. There are two examinations (one after part two and the other after part four). Upon completion of this course, the student will receive 3 hours of continuing education credit.

Online Through: College of Central Florida, Daytona State, Edison-Collier, Edison-Lee, Gulf Coast, Hillsborough, Indian River, Miami-Dade, Pensacola, State College of Florida, Santa Fe, Tallahassee and Valencia
Available: 24/7/365
Prerequisite(s): Available to licensed Florida Insurance Agents holding a 2-14, 2-15, 2-16, 2-18, 2-20, 2-40, 20-44 or 4-40 license.
This course satisfies the 9908 - Ethics requirement.
Course Goals

The Goals of this course are:

  • The student will pass each of two exams with a 70% or better and receive a certificate for 3 hours of continuing education credit in the field of ethics. 
  • The student will learn the laws regarding ethical conduct in the insurance profession.
  • The student will see individual case studies of agents prosecuted for unethical conduct.
  • The student will be encouraged to pattern their personal and professional lives on high moral values, resulting in ethical behavior.
  • Lastly, the student will learn how to establish their own personal code of ethics to guide them.
Course Outcomes

The student will successfully learn and comprehend the material and pass the online exams with a score of 70% or higher, thereby attaining his/her Certificate of Completion for 3 hours of CE credits.

Course Outline
It is important to note that not all pages are standard 8x11 pages.

A page is the length required to express an idea or subtopic.

Therefore, some pages may consist of only a few sentences.
Syllabus/Course Outline Time Module
Chapter One - Introduction to Ethics 30 min. A

A. Does Everyone Understand Ethics?
B. Definitions & Application
C. License Suspension & Revocation
     • 626.611
     • 626.621



Chapter Two - Unauthorized Entities
20 min. B

A. Defining Terms
     • 626.901

B. Criminality
     • Case Study #1
     • Case Study #2




Review Exam - for Grade 30 min.  
Chapter Three - Unfair Trade Practices 55 min. C
A. Statute 626.9541

     • Case Study #3
  C/2 - 4
C/6 - 19

Chapter Four - Agent Behavior & Client Expectations 15 min. D

A. Needs-Based Selling
     •  Case Study #4

B. Ethical Dilemas
C. Developing a Personal Code of Ethics




Final Exam - for Grade 30 min.  
Instructor Information
Name: Jody Broyles
Email: jodybroyles@juno.com
Phone: (561) 283-0333 or fax (561) 357-4957
Biography: Jody Broyles is a native Floridian, yet has also traversed the country, spending several years in the Great Northwest. He has over 25 years experience in writing and teaching curriculum for adult studies as most of his professional life has been devoted to preaching the gospel of Jesus Christ. He thoroughly enjoys research and curriculum design, having authored numerous classroom studies. Besides the ministry, he has also worked as both an independent and captive agent in the insurance industry. He has been very happily married for 27 years and has been active in supporting athletics as all of his sons played both high school and college basketball. Jody holds a B.A. in Biblical Studies.

Last Updated: October 1, 2012 by Max Combs