12. Kareem, an insurance producer, uses a testimonial letter from a former client for which he provided compensation. Since providing the testimonial, the client discovered
Kareem had acted unethically, and she no longer uses his services. She has, clearly,
changed her assessment of Kareem's character. Which of the following is correct in
regard to Kareem's continued use of the testimonial letter?
O a. Because the former client legitimately felt Kareem's services were worthwhile at
the time of writing the testimonial, Kareem may use it.
ob. Because the former client had received compensation for writing the letter, her
change of heart does not impact Kareem's use of the testimonial.
Oc. Kareem cannot use the testimonial because it does not express the writer's current
opinion.
od. Kareem may use the testimonial if he discloses that he provided compensation to
the writer.