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Insurance regulators are charged with making personal lines insurance widely available. Nothing has undermined the industrys image more over the years than the battles between regulators and carriers over the availability and affordability of auto and homeowners insurance. The question is, are carriers and their producers ethically required to assist in this effort? What are the ethical responsibilities of insurers and their agents and brokers, if any, with regard to providing insurance to all who approach them for personal lines coverage? Click on to respond.

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