What is a key requirement for the agent when presenting a proposed policy?

The key requirement for the agent when presenting a proposed policy is to disclose all pertinent information. This principle stems from the necessity for transparency and honesty in the insurance transaction process. An agent must provide the client with all relevant details regarding the policy's coverage, exclusions, limitations, and any other risks involved. This is crucial because it enables the client to make an informed decision based on a full understanding of what the policy entails. By ensuring that clients have access to complete and accurate information, agents help foster trust and integrity in the client-agent relationship, ultimately ensuring compliance with legal and ethical standards within the insurance industry.