CPCU ETHICS FINAL EXAM 2024-
2025|BRAND NEW EXAM
QUESTIONS AND CORRECT
ANSWERS ALL GRADED
A+|GUARANTEED SUCCESS|LATEST
UPDATE 2024-2025
Everyday choices made regarding dress or speech are more a reflection of a person's
personality; ethical choices reflect a person's - ANSWER-✅Character
Moral principles or practices arise out of the desire to avoid - ANSWER-✅the chaos
of unrestrained personal behavior at the expense of the social order
When it comes to ethics we have the opportunity to - ANSWER-✅create our own
perception and process
In general, it is our ability to _______, in other words to think beyond a surface level
that distinguishes us from the plants and animals with which we share this earth -
ANSWER-✅reason critically
P T Barnum said: - ANSWER-✅"No man can be dishonest without soon being found
out and when his lack of principle is discovered, nearly every avenue to success is
closed... "
Situational ethics is the term for - ANSWER-✅social behavior that allows people to
choose to deal with dilemmas based on what's right at the moment
The ability to reason critically includes all of the following, EXCEPT - ANSWER-✅the
ability to use judgment of facts and reach logical conclusions EXCEPT WHEN those
conclusions differ significantly from our own basic beliefs
What comment followed this remark by Aleksandr Solzhenitsyn, a famous Russian
dissident? "I've lived my life in a society where there was no rule of law. And that's a
terrible existence." - ANSWER-✅"But a society where the rule of law is the only
standard of ethical behavior is equally bad."
,What does "it's not the harness but the horses that pull the wagon" mean? -
ANSWER-✅Individual actions create the ethical climate in a company.
When everyone determines his or her own standards, there are no standards. What
human tendency magnifies this dilemma? - ANSWER-✅judging oneself according to
one's own GOOD INTENTIONS while judging others by their WORST ACTIONS
Which term is used to describe a gut feeling, when you can tell something feels right
or wrong, ethical or unethical, legal or illegal? - ANSWER-✅intuition
Acting on your mentor's suggestion that you sell a certain form of insurance to one
of your clients without questioning whether the insurance is required by your client
may be an example of which of the following common patterns of reaction? -
ANSWER-✅blind faith
Suggesting the same life coverage for each person between 20 and 25 or the same
annuity products for each person between 30 and 35 may be an example of which
common pattern of reaction? - ANSWER-✅habit
Reasoning critically involves much more than just an overt, animal instinct reaction
to the external events around us. Reasoning critically requires that we use our
mind's ability to process information in a logical, organized way to reach conclusions
that will allow us to make thought-based, rather than reaction-based, decisions. This
involves which of the following? - ANSWER-✅questioning, rather than simply
accepting
an ethical philosophy that postulates that we should always choose the action that
will cause the greatest amount of good for the greatest number of people -
ANSWER-✅Utilitarianism
a philosophy that postulates that the highest ethical standard can be achieved by
doing what is the greatest good for the "individual" over the long term - ANSWER-
✅Individualism
Individualism is most often associated with which of the following? - ANSWER-
✅Greatest good for the individual over the long term
Justice is most often associated with which of the following? - ANSWER-✅Equal
treatment of everyone
All of the following are philosophical approaches to ethics, EXCEPT: - ANSWER-
✅legal rule
The Moral Rights philosophy argues each human being is born with all of the
following rights, EXCEPT: - ANSWER-✅Right to Universal Health Care
Silver Rule only asks you to do one thing. What is that? - ANSWER-✅Do no harm
,The Moral Rights approach to ethics is based upon: - ANSWER-✅Developing an
understanding of and healthy respect for the rights of others as individuals
Utilitarianism is most often associated with which of the following? - ANSWER-
✅Greatest amount of good to occur for the greatest number of people
All of the following are philosophical approaches to ethics, EXCEPT: - ANSWER-
✅religion
The overriding theme of the Justice View is to treat everyone equally, meaning
______________. - ANSWER-✅equally good, not equally bad.
Moral Rights is most often associated with which of the following? - ANSWER-
✅Each individual is endowed with the right to think for him or herself and to make
decisions as free thinking human beings
Moral rights philosophy - ANSWER-✅each individual is endowed with the right to
think for himself or herself and to make decisions as a free thinking human being.
The moral rights philosophy holds that the decisions and choices made by each
individual are deserving of (and should be) respected
Among the moral rights philosophy - ANSWER-✅The right to privacy, truth, justice,
freedom from injury or harm, and many other individual rights
The justice view - ANSWER-✅in order to act ethically you need to treat everyone in
the same way
Silver Rule - ANSWER-✅only asks you to do one thing—don't cause any harm to
others
The Silver Rule - ANSWER-✅doesn't require the universal ethical investment as the
Golden Rule
Golden Rule - ANSWER-✅a strong, proactive universal standard that calls for you to
do what is right and good for others
Ethical - ANSWER-✅Behavior consistent with agreed principles of correct moral
conduct.
Values - ANSWER-✅relate to how an individual determines his or her own behavior,
whereas ethics relate to the broader societal definition of moral conduct
As a rule, - ANSWER-✅values have little to do with ethics.
, Individuals place high value - ANSWER-✅on behaviors relating to accumulation of
wealth, physical appearance, and other behaviors not related at all to ethical
behavior.
Values impact ethics - ANSWER-✅when they pertain to individual beliefs about
what is right and wrong
Most people base their conviction about what is right and wrong - ANSWER-✅based
on religious beliefs, cultural roots, family background, personal experiences, laws,
organizational values, professional norms, and political habits.
One man's religion - ANSWER-✅trumps another man's right to live.
Ethical standards must be - ANSWER-✅universal, coexisting, and prevailing over
individual values.
Core standards: - ANSWER-✅trustworthiness, respect, responsibility, and fairness
which honor the dignity and autonomy of each person, steeling one against the urge
to impose individual values in areas of legitimate disagreement
Common values generate - ANSWER-✅moral standards in the form of specific right
and wrong
Ethical standards - ANSWER-✅foundation in history, tradition, and philosophical
concepts
Consistency between values and ethics is a matter of - ANSWER-✅Integrity
The Golden Rule: - ANSWER-✅It is asking you to take the initiative to do the
greatest good and act in the most ethical manner to others. It's asking you to show
the same respect for the rights and feelings of others as you would like shown to you.
The Golden Rule requires individuals - ANSWER-✅to admit mistakes quickly, to
compensate individuals for the harm caused, and to make a firm purpose of
amendment; just like you would want to be treated in similar circumstances
To (Golden Rule) become more of a mandate - ANSWER-✅it must be enforced by a
fear of private dishonor, public shame, or divine retribution. Where none of these
fears provides sufficient guidance, civil and criminal penalties can provide the
necessary deterrent
Self-interest restraint - ANSWER-✅not doing what you have the power to do or
what you have the right to do or not doing what you want to do
Unethical behavior can be - ANSWER-✅legal
2025|BRAND NEW EXAM
QUESTIONS AND CORRECT
ANSWERS ALL GRADED
A+|GUARANTEED SUCCESS|LATEST
UPDATE 2024-2025
Everyday choices made regarding dress or speech are more a reflection of a person's
personality; ethical choices reflect a person's - ANSWER-✅Character
Moral principles or practices arise out of the desire to avoid - ANSWER-✅the chaos
of unrestrained personal behavior at the expense of the social order
When it comes to ethics we have the opportunity to - ANSWER-✅create our own
perception and process
In general, it is our ability to _______, in other words to think beyond a surface level
that distinguishes us from the plants and animals with which we share this earth -
ANSWER-✅reason critically
P T Barnum said: - ANSWER-✅"No man can be dishonest without soon being found
out and when his lack of principle is discovered, nearly every avenue to success is
closed... "
Situational ethics is the term for - ANSWER-✅social behavior that allows people to
choose to deal with dilemmas based on what's right at the moment
The ability to reason critically includes all of the following, EXCEPT - ANSWER-✅the
ability to use judgment of facts and reach logical conclusions EXCEPT WHEN those
conclusions differ significantly from our own basic beliefs
What comment followed this remark by Aleksandr Solzhenitsyn, a famous Russian
dissident? "I've lived my life in a society where there was no rule of law. And that's a
terrible existence." - ANSWER-✅"But a society where the rule of law is the only
standard of ethical behavior is equally bad."
,What does "it's not the harness but the horses that pull the wagon" mean? -
ANSWER-✅Individual actions create the ethical climate in a company.
When everyone determines his or her own standards, there are no standards. What
human tendency magnifies this dilemma? - ANSWER-✅judging oneself according to
one's own GOOD INTENTIONS while judging others by their WORST ACTIONS
Which term is used to describe a gut feeling, when you can tell something feels right
or wrong, ethical or unethical, legal or illegal? - ANSWER-✅intuition
Acting on your mentor's suggestion that you sell a certain form of insurance to one
of your clients without questioning whether the insurance is required by your client
may be an example of which of the following common patterns of reaction? -
ANSWER-✅blind faith
Suggesting the same life coverage for each person between 20 and 25 or the same
annuity products for each person between 30 and 35 may be an example of which
common pattern of reaction? - ANSWER-✅habit
Reasoning critically involves much more than just an overt, animal instinct reaction
to the external events around us. Reasoning critically requires that we use our
mind's ability to process information in a logical, organized way to reach conclusions
that will allow us to make thought-based, rather than reaction-based, decisions. This
involves which of the following? - ANSWER-✅questioning, rather than simply
accepting
an ethical philosophy that postulates that we should always choose the action that
will cause the greatest amount of good for the greatest number of people -
ANSWER-✅Utilitarianism
a philosophy that postulates that the highest ethical standard can be achieved by
doing what is the greatest good for the "individual" over the long term - ANSWER-
✅Individualism
Individualism is most often associated with which of the following? - ANSWER-
✅Greatest good for the individual over the long term
Justice is most often associated with which of the following? - ANSWER-✅Equal
treatment of everyone
All of the following are philosophical approaches to ethics, EXCEPT: - ANSWER-
✅legal rule
The Moral Rights philosophy argues each human being is born with all of the
following rights, EXCEPT: - ANSWER-✅Right to Universal Health Care
Silver Rule only asks you to do one thing. What is that? - ANSWER-✅Do no harm
,The Moral Rights approach to ethics is based upon: - ANSWER-✅Developing an
understanding of and healthy respect for the rights of others as individuals
Utilitarianism is most often associated with which of the following? - ANSWER-
✅Greatest amount of good to occur for the greatest number of people
All of the following are philosophical approaches to ethics, EXCEPT: - ANSWER-
✅religion
The overriding theme of the Justice View is to treat everyone equally, meaning
______________. - ANSWER-✅equally good, not equally bad.
Moral Rights is most often associated with which of the following? - ANSWER-
✅Each individual is endowed with the right to think for him or herself and to make
decisions as free thinking human beings
Moral rights philosophy - ANSWER-✅each individual is endowed with the right to
think for himself or herself and to make decisions as a free thinking human being.
The moral rights philosophy holds that the decisions and choices made by each
individual are deserving of (and should be) respected
Among the moral rights philosophy - ANSWER-✅The right to privacy, truth, justice,
freedom from injury or harm, and many other individual rights
The justice view - ANSWER-✅in order to act ethically you need to treat everyone in
the same way
Silver Rule - ANSWER-✅only asks you to do one thing—don't cause any harm to
others
The Silver Rule - ANSWER-✅doesn't require the universal ethical investment as the
Golden Rule
Golden Rule - ANSWER-✅a strong, proactive universal standard that calls for you to
do what is right and good for others
Ethical - ANSWER-✅Behavior consistent with agreed principles of correct moral
conduct.
Values - ANSWER-✅relate to how an individual determines his or her own behavior,
whereas ethics relate to the broader societal definition of moral conduct
As a rule, - ANSWER-✅values have little to do with ethics.
, Individuals place high value - ANSWER-✅on behaviors relating to accumulation of
wealth, physical appearance, and other behaviors not related at all to ethical
behavior.
Values impact ethics - ANSWER-✅when they pertain to individual beliefs about
what is right and wrong
Most people base their conviction about what is right and wrong - ANSWER-✅based
on religious beliefs, cultural roots, family background, personal experiences, laws,
organizational values, professional norms, and political habits.
One man's religion - ANSWER-✅trumps another man's right to live.
Ethical standards must be - ANSWER-✅universal, coexisting, and prevailing over
individual values.
Core standards: - ANSWER-✅trustworthiness, respect, responsibility, and fairness
which honor the dignity and autonomy of each person, steeling one against the urge
to impose individual values in areas of legitimate disagreement
Common values generate - ANSWER-✅moral standards in the form of specific right
and wrong
Ethical standards - ANSWER-✅foundation in history, tradition, and philosophical
concepts
Consistency between values and ethics is a matter of - ANSWER-✅Integrity
The Golden Rule: - ANSWER-✅It is asking you to take the initiative to do the
greatest good and act in the most ethical manner to others. It's asking you to show
the same respect for the rights and feelings of others as you would like shown to you.
The Golden Rule requires individuals - ANSWER-✅to admit mistakes quickly, to
compensate individuals for the harm caused, and to make a firm purpose of
amendment; just like you would want to be treated in similar circumstances
To (Golden Rule) become more of a mandate - ANSWER-✅it must be enforced by a
fear of private dishonor, public shame, or divine retribution. Where none of these
fears provides sufficient guidance, civil and criminal penalties can provide the
necessary deterrent
Self-interest restraint - ANSWER-✅not doing what you have the power to do or
what you have the right to do or not doing what you want to do
Unethical behavior can be - ANSWER-✅legal
