CPCU ETHICS ACTUAL EXAM PAPER WITH
100% CORRECT SOLUTIONS GRADED A+
2026.
⫸ Moral principles or practices arise out of the desire to avoid. Ans:
the chaos of unrestrained personal behavior at the expense of the
social order
⫸ When it comes to ethics we have the opportunity to. Ans: create
our own perception and process
⫸ In general, it is our ability to _______, in other words to think
beyond a surface level that distinguishes us from the plants and
animals with which we share this earth. Ans: reason critically
⫸ P T Barnum said:. Ans: "No man can be dishonest without soon
being found out and when his lack of principle is discovered, nearly
every avenue to success is closed... "
⫸ Situational ethics is the term for. Ans: social behavior that allows
people to choose to deal with dilemmas based on what's right at the
moment
⫸ The ability to reason critically includes all of the following,
EXCEPT. Ans: the ability to use judgment of facts and reach logical
,conclusions EXCEPT WHEN those conclusions differ significantly
from our own basic beliefs
⫸ What comment followed this remark by Aleksandr Solzhenitsyn, a
famous Russian dissident? "I've lived my life in a society where there
was no rule of law. And that's a terrible existence.". Ans: "But a
society where the rule of law is the only standard of ethical behavior
is equally bad."
⫸ What does "it's not the harness but the horses that pull the wagon"
mean?. Ans: Individual actions create the ethical climate in a
company.
⫸ When everyone determines his or her own standards, there are no
standards. What human tendency magnifies this dilemma?. Ans:
judging oneself according to one's own GOOD INTENTIONS while
judging others by their WORST ACTIONS
⫸ Which term is used to describe a gut feeling, when you can tell
something feels right or wrong, ethical or unethical, legal or illegal?.
Ans: intuition
⫸ Acting on your mentor's suggestion that you sell a certain form of
insurance to one of your clients without questioning whether the
insurance is required by your client may be an example of which of
the following common patterns of reaction?. Ans: blind faith
,⫸ Suggesting the same life coverage for each person between 20 and
25 or the same annuity products for each person between 30 and 35
may be an example of which common pattern of reaction?. Ans: habit
⫸ Reasoning critically involves much more than just an overt,
animal instinct reaction to the external events around us. Reasoning
critically requires that we use our mind's ability to process
information in a logical, organized way to reach conclusions that will
allow us to make thought-based, rather than reaction-based, decisions.
This involves which of the following?. Ans: questioning, rather than
simply accepting
⫸ an ethical philosophy that postulates that we should always choose
the action that will cause the greatest amount of good for the greatest
number of people. Ans: Utilitarianism
⫸ a philosophy that postulates that the highest ethical standard can
be achieved by doing what is the greatest good for the "individual"
over the long term. Ans: Individualism
⫸ Individualism is most often associated with which of the
following?. Ans: Greatest good for the individual over the long term
⫸ Justice is most often associated with which of the following?. Ans:
Equal treatment of everyone
⫸ All of the following are philosophical approaches to ethics,
EXCEPT:. Ans: legal rule
, ⫸ The Moral Rights philosophy argues each human being is born
with all of the following rights, EXCEPT:. Ans: Right to Universal
Health Care
⫸ Silver Rule only asks you to do one thing. What is that?. Ans: Do
no harm
⫸ The Moral Rights approach to ethics is based upon:. Ans:
Developing an understanding of and healthy respect for the rights of
others as individuals
⫸ Utilitarianism is most often associated with which of the
following?. Ans: Greatest amount of good to occur for the greatest
number of people
⫸ All of the following are philosophical approaches to ethics,
EXCEPT:. Ans: religion
⫸ The overriding theme of the Justice View is to treat everyone
equally, meaning ______________.. Ans: equally good, not equally
bad.
⫸ Moral Rights is most often associated with which of the
following?. Ans: Each individual is endowed with the right to think
for him or herself and to make decisions as free thinking human
beings
100% CORRECT SOLUTIONS GRADED A+
2026.
⫸ Moral principles or practices arise out of the desire to avoid. Ans:
the chaos of unrestrained personal behavior at the expense of the
social order
⫸ When it comes to ethics we have the opportunity to. Ans: create
our own perception and process
⫸ In general, it is our ability to _______, in other words to think
beyond a surface level that distinguishes us from the plants and
animals with which we share this earth. Ans: reason critically
⫸ P T Barnum said:. Ans: "No man can be dishonest without soon
being found out and when his lack of principle is discovered, nearly
every avenue to success is closed... "
⫸ Situational ethics is the term for. Ans: social behavior that allows
people to choose to deal with dilemmas based on what's right at the
moment
⫸ The ability to reason critically includes all of the following,
EXCEPT. Ans: the ability to use judgment of facts and reach logical
,conclusions EXCEPT WHEN those conclusions differ significantly
from our own basic beliefs
⫸ What comment followed this remark by Aleksandr Solzhenitsyn, a
famous Russian dissident? "I've lived my life in a society where there
was no rule of law. And that's a terrible existence.". Ans: "But a
society where the rule of law is the only standard of ethical behavior
is equally bad."
⫸ What does "it's not the harness but the horses that pull the wagon"
mean?. Ans: Individual actions create the ethical climate in a
company.
⫸ When everyone determines his or her own standards, there are no
standards. What human tendency magnifies this dilemma?. Ans:
judging oneself according to one's own GOOD INTENTIONS while
judging others by their WORST ACTIONS
⫸ Which term is used to describe a gut feeling, when you can tell
something feels right or wrong, ethical or unethical, legal or illegal?.
Ans: intuition
⫸ Acting on your mentor's suggestion that you sell a certain form of
insurance to one of your clients without questioning whether the
insurance is required by your client may be an example of which of
the following common patterns of reaction?. Ans: blind faith
,⫸ Suggesting the same life coverage for each person between 20 and
25 or the same annuity products for each person between 30 and 35
may be an example of which common pattern of reaction?. Ans: habit
⫸ Reasoning critically involves much more than just an overt,
animal instinct reaction to the external events around us. Reasoning
critically requires that we use our mind's ability to process
information in a logical, organized way to reach conclusions that will
allow us to make thought-based, rather than reaction-based, decisions.
This involves which of the following?. Ans: questioning, rather than
simply accepting
⫸ an ethical philosophy that postulates that we should always choose
the action that will cause the greatest amount of good for the greatest
number of people. Ans: Utilitarianism
⫸ a philosophy that postulates that the highest ethical standard can
be achieved by doing what is the greatest good for the "individual"
over the long term. Ans: Individualism
⫸ Individualism is most often associated with which of the
following?. Ans: Greatest good for the individual over the long term
⫸ Justice is most often associated with which of the following?. Ans:
Equal treatment of everyone
⫸ All of the following are philosophical approaches to ethics,
EXCEPT:. Ans: legal rule
, ⫸ The Moral Rights philosophy argues each human being is born
with all of the following rights, EXCEPT:. Ans: Right to Universal
Health Care
⫸ Silver Rule only asks you to do one thing. What is that?. Ans: Do
no harm
⫸ The Moral Rights approach to ethics is based upon:. Ans:
Developing an understanding of and healthy respect for the rights of
others as individuals
⫸ Utilitarianism is most often associated with which of the
following?. Ans: Greatest amount of good to occur for the greatest
number of people
⫸ All of the following are philosophical approaches to ethics,
EXCEPT:. Ans: religion
⫸ The overriding theme of the Justice View is to treat everyone
equally, meaning ______________.. Ans: equally good, not equally
bad.
⫸ Moral Rights is most often associated with which of the
following?. Ans: Each individual is endowed with the right to think
for him or herself and to make decisions as free thinking human
beings
