Which of the following is NOT a method for an insurance producer to prevent or avoid ethical troubles?

Relying solely on the agency's practice of personal ethics is not a method for an insurance producer to effectively prevent or avoid ethical troubles. While an agency may promote a culture of ethics, each individual producer is responsible for their own decisions and actions in their professional conduct. Ethical behavior should not depend solely on the agency's policies or practices, as personal accountability plays a critical role in ensuring that ethical standards are upheld.

In contrast, the other methods outlined are proactive strategies that an insurance producer can undertake. Exercising due care when recommending policies ensures that the producer considers the best interests of clients, reducing the likelihood of unethical behavior. Purchasing personal errors and omissions insurance protects the producer against potential claims for negligence, thus encouraging careful practices. Lastly, committing to a program of continuing education keeps producers informed about ethical standards and best practices, empowering them to make informed decisions that align with industry ethics.