What is Kendra's ethical concern regarding the incentive bonus offered by ABC Insurance Company?

The ethical concern surrounding the incentive bonus offered by ABC Insurance Company primarily relates to higher premiums than competitors. When an incentive is tied to sales performance, it may encourage salespeople to prioritize selling certain products even if those products are not the best fit for the client, potentially leading to higher costs for them. This situation raises ethical questions regarding whether sales practices are being conducted transparently and fairly.

Clients deserve to be informed and guided honestly, and if the incentive structure results in them being pushed towards costlier options without adequate justification, it undermines the trust in the insurer's commitment to the clients' best interests. Additionally, Kendra's concern likely stems from the idea that focusing solely on performance bonuses may detract from the ethical responsibility of ensuring that clients receive value for their money.

In contrast, concerns about the quality of the products, the fairness of the sales process, or the legality of the incentive are significant but do not directly address the implication of pricing on client relationships and the overall integrity of the sales process as influenced by the incentive.