A young parent of two children contacts an insurance agent and indicates that she wishes to purchase a life insurance policy. This parent has a modest income. Her main concern, as stated to the agent, is that her children will be provided for financially if she should die before they reach adulthood. The agent knows that he will make more money if he sells her a whole life policy than if he sells her a term policy, because his commission is a percentage of the premium (which will be higher with a whole life policy than with a term policy). What ethical issues does the agent face under these circumstances?