Which of the following should agents avoid to comply with ethical standards?

Agents should avoid exaggerating coverage benefits to comply with ethical standards because doing so constitutes a misrepresentation of the insurance products they represent. Ethical standards in the insurance industry mandate that agents provide truthful and accurate information to their clients. When agents exaggerate the benefits of coverage, they mislead clients, which can lead to unrealistic expectations and potential dissatisfaction down the line. This not only damages the trust between the client and the agent but can also lead to legal repercussions for providing deceptive information.

In contrast, providing clear information, staying updated on policy changes, and following guidelines set by their agency are all practices that support ethical behavior and contribute to transparent and responsible service for clients.