Which of the following is NOT considered an unethical practice in insurance solicitation?

Obtaining a license by misrepresentation is indeed not an unethical practice in the context of insurance solicitation because it pertains to the actions taken to gain licensing rather than actions taken during the solicitation process itself. The other options involve direct interactions with clients or potential clients, where ethical standards are crucial.

Misleading estimates of dividends, inducing a policyholder to surrender a policy, and misrepresenting policy terms all fall under unethical practices because they directly compromise the trust and transparency essential in the insurance industry. These actions can lead to significant financial loss or distress for policyholders, making them clearly unethical. In contrast, the act of obtaining a license through misrepresentation focuses more on the individual’s qualification to operate within the industry rather than how they conduct their business with clients.