Which of the following is NOT considered a deceptive and unfair practice?

The practice of asking probing questions to determine suitable products is considered a responsible business practice rather than a deceptive or unfair one. This approach is essential for ensuring that consumers receive products that meet their specific needs and circumstances. It allows the professional to gather necessary information without leading the customer into misunderstanding or confusion about the product offerings. In contrast, practices such as referring to a premium as an investment, making misleading statements, or indicating cash values as death benefits can create false impressions about the product's nature or benefits and are thus deemed deceptive. By distinguishing client needs through appropriate questioning, the professional fosters informed decision-making, enhancing transparency and trust in the transaction.