Problem: Nancy Broker takes an application for a large deferred annuity on the life of Ted Consumer without formally checking his identification. Nancy knows that Ted is an employee of the Federal Bureau of Investigation and has undergone extensive background checks. In not checking Ted's identification, Nancy has Answers Acted unethically, because it was her express responsibility to check Ted's identification in the application process Appropriately eliminated an unnecessary step in the application process Upheld her identification verification responsibilities sufficiently, given who Ted's employer is Acted the way any competent and loyal insurance professional would to achieve her prospect's objective