Which of the following is NOT a level of duties owed by insurance producers to insureds?

• A. Expert level
• B. Dual-agency level
• C. Generalist level
• D. Due-diligence level

Answer: (D)

In this area, insurance producers owe duties to insureds based on professional standards and the agency relationship, including honesty, competence, loyalty, and disclosure of material facts. Some study materials describe different operating levels for producers to reflect their roles: a generalist handles a broad range of needs, an expert provides specialized guidance, and a dual-agency setup covers representing both insured and insurer with appropriate conflict handling. However, due diligence is not treated as a separate level of duties owed. It’s the standard of care expected in performing any professional task and is embedded in the general duties, not a distinct category. So the term that doesn’t fit as a level of duties owed is due-diligence level.