Q1. A Kansas agent is helping a client replace an existing life insurance policy. The agent fails to provide the client with the required Notice Regarding Replacement form before the sale. What is the agent’s violation under Kansas law?

• ○Failure to comply with replacement disclosure requirements per K.A.R. 40-3-20.
• ○Breach of fiduciary duty under K.S.A. 40-4-101.
• ○Unfair claims settlement practice under K.A.R. 40-5-10.
• ○Unauthorized advertising under K.A.R. 40-1-15.