OTOH, most of these training videos exist for stupid reasons. They don't make brokers any better at navigating ethical dilemmas -- as the content is usually 100% obvious -- nor make them any more predisposed to be ethical. And they training videos did that, and they do actually watch them, said brokers don't remember any of it two days later.
The training, and its mandate, basically exist to protect someone else from liability: "see, we told them you can't lie to potential customers, not our problem!" And that, in turn, probably exists only because we tolerated that defense:
"Yeah, I [did obviously unethical practice] ... but no one never told me I couldn't!"
So we all go through the motions of watching a mandatory training video that tells us nothing we didn't already know and won't remember anyway.
The result was their brokers ended up being very ignorant of insurance products and practice.
Ethics is a small portion of the requirements. It's mostly basic stuff on what insurance is.
Zenefits fell down there as well--they had many gaps in their producer licensing. They've now open sourced a compliance app to track this. https://www.zenefits.com/blog/zenefits-now-leader-licensing-...
(Most insurance agencies get by with a spreadsheet for this...)
They also list all their licenses here
early investors who accused the old CEO of turning Zenefits into a criminal enterprise for using unlicensed brokers to sell insurance.
I guess they somewhat misinterpreted the Y-Combinator preference for entrepreneurs who are a "little bit naughty."