Which of the following is NOT considered an unethical practice in insurance solicitation?

Obtaining a license by fraud or misrepresentation is considered a serious ethical violation in the insurance industry, as it undermines the integrity of the entire profession. Licensing is intended to ensure that agents are qualified and capable of providing appropriate financial advice and services. When an individual secures a license through deception, it not only compromises their ability to sell insurance ethically but also puts consumers at risk. Insurance agents are expected to adhere to high standards of honesty and integrity to protect the interests of their clients and the industry as a whole.

In contrast, the other options listed represent various forms of unethical practices that can directly harm clients or mislead them regarding their insurance products. Misleading estimates of dividends can create unrealistic expectations for policyholders, inducing them to make poor financial decisions. Inducing a policyholder to forfeit their policy can result in significant financial loss for the policyholder and typically serves the agent's interests rather than the client's. Misrepresenting policy terms not only breaches trust but can also lead to disputes and potential financial detriment for the insurance buyer. Each of these practices erodes the foundational trust that is necessary in the insurance relationship.