In which of the following situations would you be guilty of rebating?
a) You quoted your client a premium of $1500 and the policy was issued with a premium of $1575. You call the insurance company and arrange to decrease your commission by $74 to make up the difference
b) You have a quote from your insurance company for $1000. The competition quotes $750 and you decide you really want the business so you match the reduced premium and contribute $250 yourself
c) The insurer issues a policy with a premium of $1200 for your client. You realize that a mistake has been made on the application that increased the charge substantially. You explain the situation to your client and contact the company to rerate the policy
d) All of the above