Which of the following actions could be seen as unethical under CPCU ethical guidelines?

Disparaging a competitor to clients is viewed as unethical under CPCU ethical guidelines because it undermines the principles of professionalism and integrity that are foundational to the insurance industry. The CPCU code emphasizes the importance of maintaining a fair competitive environment, respecting competitors, and focusing on the merits of one's own services rather than undermining others. Engaging in negative comments or disparagement can damage trust among clients and within the industry, creating an adversarial atmosphere rather than one based on mutual respect and ethical competition. Professionals are expected to promote their own offerings by highlighting their strengths instead of demeaning competitors, which fosters a more reputable and ethical market.