• The easiest way for a large corporation to respond to allegations of fraud or dishonesty is to suggest that there are a few ‘bad apples’ in every organization, but that the company’s policies and practices are honest.
• Life insurance companies, however, would have a hard time making this argument.
• A practice, referred to in some locations as ‘misselling’ of insurance policies – “violating industry rules, guidelines and codes of ethics, if not the law” – occurs quite regularly.These practices involve “institutionally endorsed manipulation, deception and sometimes fraud” (p. 994).
• [Bonk: 2006 - AP -The Institutionalization of Deceptive Sales in Life Insurance. Richard V. Ericson and Aaron Doyle, British Journal of Criminology, Vol. 46, Issue 6, p993-1010]

2007 01 - Criminological Highlights - p.4 - Deceptive sales practices in the life insurance business have become part of ‘normal business’: sales agents are taught by companies how to be deceptive and not get caught., Volume 8, Number 4 - 12p