John Agent has received competitive quotes from two insurers on one of his commercial accounts. The coverage and pricing terms are extremely close. He feels that one of the insurers will provide better claims service than the other and wants to recommend that insurer. Coincidentally, his agency also has a contingency commission arrangement with that insurer that is likely to result in more compensation for him. When John presents his recommendation, he also informs the insurance manager for the account of this arrangement. Why does John do this
a. His contingent commission agreement with the insurer likely requires him to disclose it.
b. John is not a very savvy salesperson and doesn't realize that sharing this information with the account manager will hurt him in the long run.
c. The contingent commission arrangement presents John with a conflict of interest, which he is disclosing to avoid any appearance of unethical behavior.
d. The insurance manager must have asked him a direct question about his agreement with the insurer because John wouldn't normally disclose it.