Which stakeholder group is primarily affected by Kendra's ethical dilemma regarding insurance premiums?

The correct choice is the group of new insurance applicants at Wayside Insurance, as they are directly impacted by Kendra's ethical dilemma regarding insurance premiums. This is because the way premiums are set affects the financial accessibility of insurance for these applicants. If the premiums are inflated or manipulated unethically, it may result in potential clients being unable to afford necessary coverage or facing unfair pricing models.

New insurance applicants rely on fair and transparent premium structures to make informed decisions about their coverage options. An ethical dilemma concerning premiums indicates that Kendra's actions or decisions could lead to significant consequences for this group, either in terms of pricing or in the standards of practices used to establish premiums.

Understanding the specific impact on new applicants highlights the importance of ethical considerations in insurance pricing, as the integrity of the premium-setting process is crucial not only for business practices but also for the trust and protection of individuals seeking insurance coverage.