1. Engage in fair and active competition in the marketing and sales of insurance products. The Company and its agents will:
    1. Maintain compliance with the applicable state and federal laws fostering fair competition
    2. Refrain from disparaging competitors
  2. Sales involving the replacement of an insurance product, agents will:
    1. The agent shall provide clients with information they need to ascertain whether a replacement is appropriate, including reasons why it may not be appropriate.