Which of the following is not an unfair practice under good-faith guidelines?

• A. Tied selling
• B. Churning
• C. Premium rebating
• D. Helping clients with applications

Answer: (D)

In this context, the focus is on fair dealing and avoiding practices that manipulate or pressure clients. Helping clients with applications is not an unfair practice because it involves assisting, clarifying options, and ensuring forms are completed accurately—activities that support informed decisions and proper service.

The other practices are considered unfair under good-faith guidelines: tied selling pressures a client to buy an additional product as a condition of the sale; churning involves excessive trading to generate commissions rather than client benefit; premium rebating attempts to give back part of the premium to influence the client’s purchase. These undermine client autonomy and trust.