It is often noted in ethics articles that there is a difference between business ethics and personal ethics and that personal ethics are stronger than business ethics. In a 1996 study by Kluwer Academic Publishers Group titled “The Ethics of Insurance Professionals: Comparison of Personal Versus Professional Ethics,” the authors concluded: Insurance professionals are more likely to engage in unethical behavior in order to benefit professionally than in a personal setting. In general, however, the average respondent was “unlikely” or “extremely unlikely” to engage in unethical conduct.
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