The legal implications of - and the laws that govern - agent or broker conduct. Gain a lawyer's perspective in the principles of agency; agency powers and limitations; waiver and estoppel; misrepresentations and warranties by agents or companies, and hundreds of other laws that serve to protect the interests of the insurance-buying public.Objectives • Learn to spot unethical behavior by unscrupulous insurance companies or agents. • Develop basic skills in properly filling out an insurance application, scheduling a medical examination, collecting advance premiums, etc. • Gain insight to the legal implications of unethical agent, broker, or insurance company conduct.Major Subjects Covered • Knowledge of Agent as Imputed to the Company. • Representations and Acts of Agent or Company. • Misrepresentations and Warranties Generally. • Authority of Agents for the Company. • Types and Powers of Agents.